Scotiabank Platinum AMEX Card

Card Details & Scotia Points Calculator
4x Gas Station
4x Grocery
4x Dining
4x Entertainment
1x Non-Category
Priority Pass
Hertz #1 Club Gold Membership
Travel & Purchase Protections

Review the benefits of the Scotiabank Platinum AMEX Card and calculate total Scotia Points and cash value based on spend, benefits, and fees.

Bonus Categories

The Scotiabank Platinum AMEX Card has four bonus categories which are gas station, grocery, dining, and entertainment. All four of these categories share a combined cap of $100,000 in purchases made annually. After you have hit that cap, you will earn at the non-category rate for the remainder of the calendar year. There's no limit to the amount of points you can earn with the card overall.

  • 4x Gas Station
  • 4x Grocery
  • 4x Dining
    • Includes eating places and restaurants, drinking establishments, and fast food restaurants.
  • 4x Entertainment
    • Includes motion picture theaters, theatrical producers, ticket agencies, bands, orchestras and miscellaneous entertainers.
  • 1x Non-Category

Perks & Benefits

The Scotiabank Platinum AMEX Card comes stacked with a bunch of benefits including complimentary membership with Hertz, Priority Pass, and comprehensive travel protection.

  • Hertz #1 Club Gold Membership
  • Priority Pass
  • American Express Invites
  • Travel & Purchase Protections
    • Travel Emergency Medical Insurance
    • Trip Cancellation/Trip Interruption Insurance
    • Flight Delay Insurance
    • Rental Car Collision Loss/Damage Insurance
    • Delayed and Lost Baggage Insurance
    • Travel Accident Insurance
    • Hotel/Motel Burglary Insurance
    • Purchase Security
    • Extended Warranty
    • Price Protection

Sign Up Bonus (SUB)

The sign up bonus for the Scotiabank Platinum AMEX Card is 30,000 bonus Scotia Rewards Points upon your first purchase.

Fees & Income Requirements

Annual Fee

The Scotiabank Platinum AMEX Card has an annual fee of $399.

Authorized User Fee

Each supplementary card for the Scotiabank Platinum AMEX Card is $99. You can earn a lot of Scotia Rewards Points running spend through this card, so I recommend adding family and friends as authorized users. Just make sure they're spending enough to make the card worth it.

Foreign Transaction Fee

The Scotiabank Platinum AMEX Card has an foreign currency conversion fee of 2.5%

Income Requirements

There is no listed income requirements for the Scotiabank Platinum AMEX Card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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