Overview of the Scotiabank®* Platinum American Express® Card

• Minimum income $12K/yr
• Household income Any
• Recommended credit score 760+
• You are a permanent Canadian resident and have reached the age of majority in the province in which you live.

* Savings and point earn potential in first 14 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of May 22, 2026:

$600 in travel points (60,000 bonus Scene+ points) for new Scotiabank Platinum American Express Card clients who spend $5,000 within the first 3 months

$200 in travel points (20,000 bonus Scene+ points) when you spend $10,000 within the first 6 months

$200 in travel points (20,000 bonus Scene+ points) when you make at least one eligible purchase that is posted to the new Account during the 14th month after the month the Account was opened.

$241 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months (don’t pay the 2.5% foreign transaction fee markup typically charged by other card issuers);

$1,023 in first year point earn potential (102,297 Scene+ points) on everyday purchases based on average annual spend per active account over the last 24 months;

$784 value of a complimentary Priority Pass membership and free lounge passes per year for the primary cardholder (‘Standard Plus’ annual membership fee package of approx. CAD$454/USD$329, which includes 10 lounge passes) and for one supplementary cardholder (‘Standard’ annual membership fee of approx. CAD$137/USD$99, plus 4 lounge passes at CAD$48/USD$35 each). Currency conversion as at May 22, 2026.

Potential First 14-Month Value = up to $3,048 (rounded down to $3,000)

Actual offers, savings and points earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.
1 Offer Description and Conditions: The 100,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (“Account”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below. To qualify for 60,000 bonus Scene+ points (the “60,000 Point Bonus”), you must have at least $3,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must have at least $10,000 in eligible purchases posted to your new Account in the first 6 months of the Account open date. To qualify for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened. . Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 60,000 Point Bonus and 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $5,000 or $10,000) in the appropriate time frame (i.e., first 3 months or first 6 months), and (ii) the Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the first transaction that qualifies as an eligible purchase during the 14th month after the month the Account was opened. If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 60,000 Point Bonus or the 20,000 Point Bonus, or completes the first transaction that qualifies for the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Scene+ Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional card (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for the Account are: 9.99% on purchases and 9.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.