Scotiabank®* Platinum American Express® card
First year rewards (up to)
Gift card
Spending
bonus
bonus
Monthly
bonus
bonus
Annual fee
Annual fee
(1st yr waived)
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Annual fee
(Waived)
Monthly
interest fee
interest fee
after
months
Required deposit
Rewards
Calculator
Redeem
Insurance
Earn points on each dollar you spend
How much do you spend on gas or in gas stations each month? Remember that even if you buy food or other items at a gas station, it will come up as a gas purchase on your cash back credit card statement.
Gas
How much do you spend on groceries or in grocery stores each month? Remember that even when you purchase household items at the grocery store, they will show up as a grocery store purchase on your cash back credit card statement.
Groceries
4
points per dollar
on the first $100,000 spent each year; 1 point thereafter
1
point per dollar
on all other eligible expenses
Monthly spending by category
First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a gift card from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details.
Gift card
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary.
Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so.
Spending reward
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement.
Annual fee
Total net reward
Subsequent years
Subsequent years
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary.
Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so.
Spending reward
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement.
Annual fee
Total net reward
Value of a Scotia Reward Point
The average dollar value of an individual Scotia Reward Point is $0.01. To see how we calculated this, click here.
Step by step guide
- Login to your Scotia Rewards account, using your card number and password.
- If you DO NOT have an online Scotia Rewards account you can create an account online at https://www.scotiarewards.com or you can redeem points over the phone by speaking to a Scotiabank travel agent at 1-800-665-2582.
- Points can be redeemed for travel – flights, hotels, and car rentals.
- The Scotia rewards program allows you to book travel through any provider and then redeem points towards the travel, once the transaction is posted on your account (EXCEPT if you have a Scotiagold passport card).
- In the rewards centre, you can view your travel purchases and can choose to redeem points towards a purchase.
- After redeeming points towards a travel purchase, your account will be credited back for the cost of the travel in 7-10 days.
Benefits
Travel emergency medical
Travel Accident Insurance
Trip cancellation
Trip interruption
Flight delay
Baggage loss
Baggage delay
If you use your credit card to rent a car, you will likely have some amount of collision and damage insurance. Collision and damage insurance protects you, the cardholder, in the event that a rental car is damaged and/or in an accident, while it's in your possession. Read the fine print in your agreement, before you rent your next car.
Rental
Car rental collision / loss damage waiver
- Zero liability
- Price protection
- Extended warranty
- Purchase assurance
Fees & interest
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement.
Annual fee:
$399
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement.
Purchase interest rate:
19.99%
Eligibility
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves.
Household income:
Any amount
- Be a permanent Canadian resident Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QA, SK. 19 yrs all others)