American Express® Card
Earn 30,000 bonus Scotia Rewards points upon first purchase1
Earn 4 Scotia Rewards points on every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.2
Book and redeem for travel anywhere, anytime, with no travel restrictions3,4
Enjoy luxury travel privileges for your journey
Great reasons to get this Card for your everyday purchases
Reach your goals 4x faster
Earn 4 Scotia Reward points on every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.
Earn 1 point for every $1 you spend on everything else.
Book travel and redeem easily
Use your Card and book travel through Scotia Rewards Travel Service, our full-service travel agency.
Redeem for travel anywhere, anytime, with no travel restrictions.
Enjoy exclusive benefits
Access to complimentary concierge services5, airport lounges6, Hertz #1 Club Gold membership, merchandise, rewards and more.
Peace of mind for every trip
Travel with confidence on every trip with our comprehensive travel insurance coverage
Scotiabank Rewards Program Terms and Conditions
Fees, rates & other information8
99.0 each Supplementary Card
19.99 / 22.99
19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques
Your card comes with exclusive benefits
As a Scotiabank American Express Platinum
Cardholder, you’ll enjoy ultimate travel privileges.
Book and redeem easily
Book and redeem any flight for any time through Scotia Rewards Travel Service, a full-service travel agency. Plus, take advantage of the Best Price Guarantee on airfare9.
Enjoy Premium Concierge Services
For everything from restaurant reservations to show tickets to finding the perfect birthday gift, your full-service travel and lifestyle Concierge Service is happy to assist, 24/7.
Ensure your comfort at the airport
Be confident that you’ll have a place to relax or catch up on business. Enjoy complimentary lounge access with Priority Pass™ and access over 600+ VIP lounges around the world.
Enjoy Special Offers, Access and Experiences with American Express Invites®
American Express Invites11 opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and the first to go! Sign up for e-updates.
Get exclusive access to Fashion Week in New York City, golf at Pebble Beach, custom menus by celebrity chefs and much more. Choose from a full menu of events and get the red carpet treatment.
Your Card extends to you extraordinary discounts, offers, special amenities and privileges. Visit Scotia Rewards to take advantage today.
Be a Hertz #1 Club Gold Member
Enjoy speedier service, less paperwork, and other special privileges and benefits at over 8,500 locations across 147 countries.
Beyond Travel Rewards
Reward yourself and choose from a wide selection of merchandise and gifts by visiting Scotia Rewards.
Scotia Rewards & SCENE® Points Conversion21
You can convert your Scotia Rewards points to SCENE or your SCENE points to Scotia Rewards points instantly, anytime you want. Remember that you must have a SCENE account to convert Scotia Rewards points to SCENE points and please review the rate conversions.
Visit scotiarewards.com and see the Conversion Program terms and conditions for more details.
Travel with 7 types of coverage
Relax… While you’re away you have comprehensive travel protection.
Coverage is provided for eligible persons under age 65 for up to 31 consecutive days and for eligible persons age 65 and older for up to 10 consecutive days.
Protect your travel investment with trip cancellation and trip interruption insurance at no extra cost when you charge at least 75% of your trip costs to your Card.
Flight Delay Insurance14
Charge at least 75% of the full ticket cost to your Scotiabank American Express Platinum Card and you’ll be eligible for reimbursement of necessary expenses such as hotel accommodations, meals and other emergency items.
Rental Car Collision Loss/Damage Insurance14
Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.
Delayed and Lost Baggage Insurance14
Charge the full cost of your airplane, train, bus or cruise ship tickets to your Card. If your checked luggage is delayed or lost – you’re covered.
Travel Accident Insurance14
Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.
For claim forms and answers to Frequently Asked Questions visit our partner's site.
Shop with 2 types of coverage
Added coverage means you can shop with confidence anywhere around the world.
Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.
Enjoy all the benefits
You also have all the advantages that come with being an American Express Cardholder.
Save time at the checkout
Tap your Scotiabank American Express Platinum Card or your smartphone for quick easy payments.
Get a Supplementary Card
Add an additional Supplementary Cardholder to your Scotiabank American Express Platinum Card. One account, multiple cards. Added benefits! Get an additional Card for a friend or family member17.
Feel reassured (Optional protection)
Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the 30,000 bonus Scotia Rewards point offer (the “Offer”). Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
Offer Description and Conditions: To be eligible for the 30,000 bonus Scotia Rewards points offer (the “Offer”), an eligible purchase must be posted to your new Scotiabank credit card account (“Account”) within 2 months of your Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will appear as an adjustment on your Account statement within 2 statement cycles of your first card purchase provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Offer applies to a new Account only opened by March 1, 2020.
Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).
All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended and cannot be combined with any other offers.
You will earn 4 points per $1 on the first $100,000 in purchases made annually at American Express merchants classified in the American Express network as: Gas Service Stations and Automated Fuel Dispensers; Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; and Entertainment including Motion Picture Theaters, Theatrical Producers, Ticket Agencies, Bands, Orchestras and Miscellaneous Entertainers. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by American Express in another manner, in which case this added benefit would not apply. You will earn 1 point per $1 on purchases made after you have reached the 4 points per $1 $100,000 annual spend maximum and on all other purchases made with the card. Points are not awarded for cash advances, Scotia®* Credit Card Cheques, Scotia Rewards Dollars, returns, payments, casinos and gambling, annual membership or card fees, interest charges or service transaction charges. Scotia Rewards points must be redeemed within 60 days of account closure or they will be deleted permanently. If your account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption
Scotia Rewards Travel Service and Travel Booking Site provided by a duly licensed 3rd party travel agent HRG (Hogg Robinson Group).
You can purchase eligible travel or related travel expenses at a travel provider other than the Scotia Rewards Travel Service (e.g., other travel agencies, tour operators and online travel websites) (the “Other Travel Suppliers”). These types of purchases at Other Travel Suppliers are called “Post Purchase Travel Redemptions”.
Scotia Rewards points are redeemable for Post Purchase Travel Redemptions made through your Program Card. To redeem Scotia Rewardspoints for a Post Purchase Travel Redemption at Other Travel Suppliers, the purchase must first appear (post) on the Program Card Account. Scotia Rewards Card members can then redeem points towards the amount of the Post Purchase Travel Redemption charged to the Program Account through scotiarewards.com or by calling 1-800-665-2582.
The Post Purchase Travel Redemption must be charged on your Program Card Account and recognized by our systems with the Merchant Category Codes or identifiers: airlines & air carriers – 4511; airports, flying fields, and airport terminals – 4582; lodgings, hotels, motels and resorts – 7011; trailer parks and campgrounds – 7033; passenger railways – 4112; bus lines – 4131; steamship and cruise lines – 4411; travel agencies and tour operators – 4722; automobile rental agency – 7512; motor home and recreational vehicle rentals – 7519. These Merchant codes/identifiers and categories are subject to change.
The Post Purchase Travel Redemption can include related taxes, booking fees, airport fees and travel insurance premiums.
You must redeem Scotia Rewards points within 12 months from the date when the Post Purchase Travel Redemption is posted to the Program Card Account (the posting date). It may take up to two statement periods for the points redeemed towards a Post Purchase Travel Redemption to appear as a credit on your Program Card Account. Points redeemed cannot be reversed once posted to the Account. To redeem Scotia Rewards Points towards your Post Purchase Travel Redemption, the Program Card Account must be open and in good standing. The value of the points redeemed cannot exceed the amount of the Post Purchase Travel Redemption charged to your Program Card Account.
The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a Post Purchase Travel Redemption is made.
Concierge Service provided by a duly licensed 3rd party premium concierge provider (currently Hogg Robinson Canada Inc. (HRG). Provider is subject to change by The Bank of Nova Scotia
Priority Pass™ membership includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Platinum American Express Card is cancelled. Lounge visits are counted on a per person per visit basis (e.g. Lounge access by a Cardholder and one accompanying guest will count as two (2) visits). The first 10 lounge visits for the primary Cardholder and the first 4 lounge visits for the supplementary Cardholder per 12-month cycle from date of enrolment are complimentary. Beginning with the 11th visit for the primary Cardholder and the 5th visit for the supplementary Cardholder, lounge visits are subject to a per person per visit charge of $32 USD. For complete Priority Pass terms and conditions, please visit www.prioritypass.com/Conditions-of-use.cfm
Best available price guarantee on airfares is provided by HRG and is only available within 24 hours of time of booking. All offers are based on availability. Offers are subject to merchants’ standard booking requirements, terms, and conditions. Offer cannot be combined with other offers, promotions, discounts, or programs, and may not be redeemed for cash. Complete terms and conditions are available at scotiarewards.com. The Bank of Nova Scotia is not responsible for the best available price guarantee.
Foreign currency conversion charges will apply.
Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing agent terms, conditions, and fees. Not all seats are available. All sales are final. No refunds. No exchanges. The Bank of Nova Scotia and its affiliates are not responsible for fulfilment of offers under the American Express Invites program. All offers are provided and fulfilled by participating merchants and are subject to the specific terms and conditions of the respective merchant. American Express and its affiliates are not liable or otherwise responsible for any offer or experience made available under this program, and are not responsible for fulfilment, any changes or cancellation of any offer.
Individual offer terms and conditions apply.
Travel Advantage is supplied by a third party (currently Hogg Robinson Canada Inc. (HRG) and subject to change).
Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) and/or American Bankers Life Assurance Company of Florida (ABLAC). Travel Emergency Medical Insurance is underwritten by ABLAC, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. Price Protection Service is a service provided by ABIC. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the respective insurers. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.
Travel Emergency Medical Insurance is underwritten by American Bankers Life Assurance Company of Florida, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. Trip Cancellation/Trip Interruption Insurance is underwritten by American Bankers Insurance Company of Florida. Travel Accident Insurance is underwritten by American Bankers Life Assurance Company of Florida. Rental Car Collision Loss Damage Insurance is underwritten by Primmum Insurance Company. Purchase Security, Extended Warranty, Delayed/Lost Baggage Insurance and Hotel/Motel Burglary Insurance are underwritten by Elite Insurance Company. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel. For all insurance coverages, certain limitations, restrictions and exclusions apply.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
The Primary Cardholder on the Scotiabank American Express Platinum Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.
Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada. All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.
20% of your outstanding credit card account balance for up to 10 months up to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70. Life coverage terminates at age 80.
The Scotiabank StartRight Program created for Canadian Landed Immigrants from 0-3 years in Canada, International Students and Foreign Workers.
Scotia Rewards points can be converted into SCENE points and SCENE points can be converted into Scotia Rewards points. To do so, you must have a Scotiabank card account that earns Scotia Rewards points (the “Scotiabank Program Card Account”) and is in good standing, and a valid SCENE membership card. You must convert a minimum of 1,000 points per conversion. You can convert points up to a maximum of 4 times within a 24 hour period. Conversions cannot be reversed or cancelled once completed. These conversions are subject to the terms of your Points Conversion Terms and Conditions. See the Points Conversion Terms and Conditions on scotiarewards.com for full details.
Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.