The ClearFin bottom line
💳 Flat-Rate Premium
Its strongest published earn rate in our data is 2.0% on dining. The $399 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · Scotiabank · American Express
Scotiabank Platinum Amex
Start with up to 100,000 Scene+ points in the first 14 months, worth about $1,000.
Independent comparisonFees includedCanadian card data
- Annual fee
- $399
- Reward type
- Scene+
- Welcome offer
- 100,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
$175cash rebate*
💳 Flat-Rate Premium
💳 Flat-Rate Premium
Welcome bonus
Up to 100,000 Scene+ points in the first 14 months
New cardmembers can earn up to 100,000 Scene+ points in the first 14 months by completing the steps below.
Offer details
The issuer currently describes up to $3,000 in first-14-month value when points and selected benefits are combined. Full offer terms apply.
How you earn
- Earn 2 Scene+ points per $1 on all eligible purchases
- Earn 2 Scene+ points per $1 on eligible travel purchases
- Earn an additional 3 Scene+ points per $1 when booking hotels and car rentals through Scene+ Travel (Expedia platform)
- Flexible redemption through Scene+ for travel, movies, groceries, restaurants, and statement credits
- No minimum redemption restrictions beyond standard Scene+ program thresholds
- Points accumulate on everyday spending with no strict category caps on base earn rate
- Bonus Scene+ offers available through promotional welcome packages (varies by campaign period)
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$399
Purchase interest9.99%
Cash advance interest9.99%
Foreign transaction fee0%
Income requirement$12,000Issuer approval criteria apply
Recommended credit score660+ Good to Excellent
Approval is typically aligned with a strong credit profile given the premium travel positioning of the card and its higher credit limit floor. While no official score requirement is published, applicants are generally expected to demonstrate responsible revolving credit usage and stable repayment history.
300Poor
560Fair
660+Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated underwriting range based on comparable Canadian premium Amex-backed products; final approval depends on income stability, debt ratios, and overall credit behaviour.
Reward limits: No explicit category-based earning caps or annual reward limits are published for this card. Scene+ points earn at a flat rate on eligible purchases, subject to standard program exclusions (e.g., cash advances, fees, interest, returns, and similar charges do not earn points).
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem Scene+ points with participating grocery, entertainment, dining, and retail partners.
Use eligible Scene+ points toward travel booked through the program; redemption values and availability vary.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Airport Lounge Access
10 complimentary lounge visits per year through Priority Pass and Plaza Premium lounges across 1,200+ locations worldwide.
No Foreign Transaction Fees
0% FX fee on all foreign currency purchases, saving the standard 2.5% conversion charge.
Strong Travel Insurance Package
Includes emergency medical coverage up to $2 million, trip cancellation/interruption, flight delay, baggage delay/loss, rental car insurance, and travel accident coverage.
Mobile Device Insurance
Up to $1,000 coverage for eligible smartphones or tablets against damage, theft, or mechanical failure.
Purchase Protection & Extended Warranty
90–120 days purchase security against damage or theft and extended warranty coverage that can double manufacturer warranties up to 2 years.
Amex Experiences & Front of the Line Access
Early access to concerts, events, dining experiences, and exclusive ticket presales.
Premium Concierge Service
24/7 concierge support for travel bookings, dining reservations, event tickets, and lifestyle requests.
Fuel Savings Program
Up to 11¢ per litre in value at Shell stations when linked with Scotiabank programs.
Show all 9 benefitsShow fewer
Flexible Scene+ Rewards
Earn Scene+ points on all purchases and redeem for travel, entertainment, groceries, or statement credits with flexible redemption options.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Strong travel-focused rewards with 2x Scene+ points on eligible purchases
- Premium travel perks including airport lounge access (Priority Pass) with annual visit allotment
- No foreign transaction fees on international purchases
Worth noting
- High annual fee ($399)
- Minimum income requirement limits accessibility for some applicants
- Lounge access is capped annually rather than unlimited
- Rewards are tied to the Scene+ ecosystem, which may offer variable redemption value depending on usage strategy
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
💳 Flat-Rate Premium
2x Scene+ on all eligible purchases. Up to 5x on hotels & car rentals via Scene+ Travel. Unlimited lounge access.
How the rewards work
Dining, Groceries, Gas, Travel, Everything else receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 2.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $19,950 in annual spending at that rate would equal the $399 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.