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The Scotiabank Platinum American Express Card charges no foreign transaction fee, which saves about 2.5% on purchases in other currencies; it carries a low 9.99% purchase rate if you sometimes keep a balance.
Welcome offer
Earn up to $2,800 in value in the first 14 months, including up to 80,000 bonus Scene+ points.
+$175 extra cash back paid by FinlyWealth when you apply through our link and are approved.
Year-one value: $576 — 80,000 Scene+ × 1¢ = $800 + $175 extra cash back − $399 annual fee. How we count
Key facts
Pros
- Low interest rates
- Strong rewards
- Airport lounge access
- Comprehensive travel insurance
- Shell Fuel Savings
- Flexible travel rewards
- No foreign transaction fees
- Instant decision. No credit impact.
Cons
- Higher annual fee
- Limited premium perks
All Scotiabank cards · Low interest cards · Travel rewards cards · No FX fee cards
Similar cards
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
 Scotiabank | Earn up to $1,100 in welcome offers, first year rewards and savings value, including up to 65,000 bonus Scene+ points.Est. value $650 | +$150 cash back | $120 | 21.99% | 22.99% | 0% | Apply → |
 American Express | Up to 15,000 Membership Rewards® pointsEst. value $285 | +$75 cash backuntil Dec 30, 2026 | $191.88 | 21.99% | 21.99% | 2.5% | Apply → |
 Scotiabank | — | +$150 cash back | $150 | 20.99% | 22.99% | 0% | Apply → |
 American Express | Earn up to 85,000 Aeroplan points.Est. value $1,140 | +$150 cash backuntil Dec 30, 2026 | $599 | 21.99% | 21.99% | 2.5% | Apply → |
Card data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often — confirm the current terms on the issuer's site before applying. crediteasy.ca is independent and does not provide financial advice.