{"id":398806,"date":"2026-04-03T09:00:00","date_gmt":"2026-04-03T13:00:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=398806"},"modified":"2026-05-09T08:32:44","modified_gmt":"2026-05-09T08:32:44","slug":"comparison-platinum-american-express-vs-american-express-platinum-scotia","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-platinum-american-express-vs-american-express-platinum-scotia\/","title":{"rendered":"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card"},"content":{"rendered":"\n<p>American Express Canada and Scotiabank offer two cards for frequent travellers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a target=\"_blank\" title=\"American Express Platinum Card<sup>&reg;<\/sup>\" href=\"\/go\/amex-platinum-card\/\" rel=\"noindex\">American Express Platinum Card<sup>&reg;<\/sup><\/a><\/li>\n\n\n\n<li><a target=\"_blank\" title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22616,22641\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Their names are very similar, and yet, they are not the same! These cards both give us great advantages, but their characteristics differ. Let&#8217;s see which one is the best.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h2>\n\n\n\n\n\n<p>The welcome bonus offered by each of these cards varies according to the promotions.<\/p>\n\n\n\n<p>Here&#8217;s how the current offer is structured:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>With this welcome offer from the <a target=\"_blank\" title=\"American Express Platinum Card<sup>&reg;<\/sup>\" href=\"\/go\/amex-platinum-card\/\" rel=\"noindex\">American Express Platinum Card<sup>&reg;<\/sup><\/a>, you can earn up to <strong>100,000 Membership Rewards points<\/strong>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>70,000 points after charging <span class=\"nowrap\">$10,000<\/span> to<\/strong> your Card in the first 3 months of Card membership<\/li>\n\n\n\n<li><strong>30,000 additional points<\/strong> for purchases made within 14 to 17 months of Cardmembership<\/li>\n<\/ul><\/div>\n\n\n\n<p>Based on our Membership Rewards points <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/points-miles-value-canada\/\">valuation<\/a> (1.7 cents per point), this welcome bonus corresponds to a value of <strong><span class=\"nowrap\">$1,700<\/span><\/strong>.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>With this welcome offer for <a target=\"_blank\" title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a> you can get up to <strong>80,000 Scene+ points:<\/strong><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong><span class=\"nowrap\">60,000<\/span> Scene+ points<\/strong> after you have charged <span class=\"nowrap\">$3,000<\/span> to your Card in the first 3 months<br><u><\/u><\/li>\n\n\n\n<li><strong><span class=\"nowrap\">20,000<\/span> Scene+ points<\/strong> by spending an additional <span class=\"nowrap\">$10,000<\/span> in the first 14 months<\/li>\n<\/ul><\/div>\n\n\n\n<p>Based on our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/points-miles-value-canada\/\">valuation of<\/a> Scene+ points (1 cent per point), this welcome bonus corresponds to a value of <strong><span class=\"nowrap\">$800<\/span><\/strong>.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-platinum-card\">Advantage: American Express Platinum Card<sup>&reg;<\/sup>.<\/h5>\n\n\n\n<p>The offer from the American Express Platinum Card<sup>&reg;<\/sup> provides significantly more points and value compared to its counterpart.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum Income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>American Express Platinum Card<sup>&reg;<\/sup> requires no minimum income.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>The Scotiabank Platinum American Express<sup>&reg;<\/sup> Card requires a minimum annual income of $12,000.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-platinum-card\">Advantage: American Express Platinum Card<sup>&reg;<\/sup>.<\/h5>\n\n\n\n<p>Like the vast majority of American Express cards, American Express Platinum Card<sup>&reg;<\/sup> requires no minimum income.<\/p>\n\n\n\n<p>It should be noted, however, that Scotiabank Platinum American Express<sup>&reg;<\/sup> Card is also very accessible with its low annual income requirement.<\/p>\n\n\n\n<p>If you&#8217;re looking for travel benefits, but don&#8217;t have a very high income, either of these cards may be right for you.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>The American Express Platinum Card<sup>&reg;<\/sup> has an annual fee of $799.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>The Scotiabank Platinum American Express<sup>&reg;<\/sup> Card has an annual fee of $399.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-draw\">Advantage: Draw<\/h5>\n\n\n\n<p>In theory, the Scotiabank Platinum American Express<sup>&reg;<\/sup> Card is much less expensive in terms of annual fees than the American Express Platinum Card<sup>&reg;<\/sup>.<\/p>\n\n\n\n<p>However, the American Express Platinum Card<sup>&reg;<\/sup> comes with an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-annual-travel-credit\/\"><strong>annual travel credit of $200<\/strong><\/a> and <strong>a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/amex-platinum-card-annual-dining-credit\/\">$200 annual credit for select restaurants<\/a><\/strong>, bringing the net annual fee to $399.<\/p>\n\n\n\n<p>If these credits are used correctly, both cards are equal in this category.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earning-points\">Earning Points<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a> and the <a target=\"_blank\" title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a> offer different point accumulations.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>With the American Express Platinum Card<sup>&reg;<\/sup>, you earn:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>2 points<\/strong> per dollar (value of 3.4 cents) on restaurant and bar purchases, food delivery, travel (air, rail, hotel, travel agency, cruise, etc.) and Amex Travel Services purchases (accommodation and car rental);<\/li>\n\n\n\n<li><strong>1 point<\/strong> per dollar (1.7 cent value) for the rest.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>Scotiabank Platinum American Express<sup>&reg;<\/sup> Card is very simple: you earn <strong>2 points<\/strong> per dollar (2-cent value) spent on everything!<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-draw\">Advantage: Draw<\/h5>\n\n\n\n<p>For simplicity, and if there&#8217;s a large portion of the budget related to groceries, recurring bills or subscriptions, pharmacy, gas, entertainment, etc., the Scotiabank Platinum American Express<sup>&reg;<\/sup> Card is best. It gives 2 points per dollar on everything!<\/p>\n\n\n\n<p>On the other hand, the person who is often away from home will benefit from taking the American Express Platinum Card<sup>&reg;<\/sup>.<\/p>\n\n\n\n<p>For a restaurant or travel purchase, it would be better to take the American Express Platinum Card<sup>&reg;<\/sup>, as it is more valuable.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-points\">Redeeming Points<\/h2>\n\n\n\n<p>Both cards are made for travellers.<\/p>\n\n\n\n<p>However, their loyalty programs are completely different:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards points<\/a> for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a>.<\/li>\n\n\n\n<li>Scene+ Points for the <a target=\"_blank\" title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>As a result, the way points are used is different.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-for-travel\">For Travel<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>With the American Express Platinum Card<sup>&reg;<\/sup>, you can apply its Membership Rewards points to reimburse any travel purchase charged to the card (airline tickets, hotels, Airbnb, car rentals, etc.), where <strong>1,000 points = $10 <\/strong>in reimbursement.<\/p>\n\n\n\n<p>You can also use the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">American Express fixed rate chart<\/a> for specific flights.<\/p>\n\n\n\n<p>The usage rate is<strong> 1,000 points = $20<\/strong>.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>Scene+ points and travel:<\/p>\n\n\n\n<p>You can apply them to travel purchases in two ways, thanks to the <strong>fixed<\/strong> redemption rate where <strong>10,000 points = $100 credit<\/strong>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Redeem points directly when booking travel with Scene+ Travel, administered by Expedia.<\/li>\n\n\n\n<li>Make your own travel purchase as you wish and use your points to pay off the card balance.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-draw\">Advantage: Draw<\/h5>\n\n\n\n<p>The two ways of using points for travel are relatively similar for the 2 cards.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-for-everyday-shopping\">For Everyday Shopping<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a>, you can apply Membership Rewards points to everyday purchases charged to the card.<\/p>\n\n\n\n<p>The usage rate is <strong>1,000 points = $10<\/strong>.<\/p>\n\n\n\n<p><strong>A minimum of 1,000 points<\/strong> (minimum $10) must be applied.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>You can redeem <strong>1,000 Scene+ points for a $10 discount<\/strong> at the IGA\/Sobeys checkout.<\/p>\n\n\n\n<p>Points can also be used to purchase gift cards on the Scotiabank\/Scene+ website, from 1,000 to 1,400 points for a $10 discount.<\/p>\n\n\n\n<p>Scene+ points can also be redeemed for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>500 points for a $5 discount at selected restaurants (Harvey&#8217;s, Swiss Chalet, etc.);<\/li>\n\n\n\n<li>100 points for $1 off movie tickets at Cineplex;<\/li>\n\n\n\n<li>500 points for $5 off food and beverages at Cineplex, Rec Room and tokens for Playdium&nbsp;;<\/li>\n\n\n\n<li>At least 14,500 points for a $100 statement credit on any card expense.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-platinum-card\">Advantage: American Express Platinum Card<\/h5>\n\n\n\n<p>With the American Express Platinum Card<sup>&reg;<\/sup>, whether you want to use your points for travel or everyday purchases, you&#8217;ll get the same value: 1,000 points = $10 less to pay out of pocket.<\/p>\n\n\n\n<p>This is not the case if you want to use Scene+ points for a statement credit on anything, where using your Scene+ points is not advantageous at all.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transfers-to-other-programs\">Transfers to Other Programs<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup> <\/a>you can transfer your points to other rewards programs:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/aeroplan\/\">Aeroplan<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/flying-blue\/\">Air France KLM Flying Blue<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/british-airways-club\/\">British Airways Club<\/a><\/li>\n\n\n\n<li>Delta Skymiles<\/li>\n\n\n\n<li>Asia Miles<\/li>\n\n\n\n<li>Etihad Guest<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/hilton-honors\/\">Hilton Honors<\/a><\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>You cannot transfer your Scene+ points to other programs.<\/p>\n\n\n\n<p>When your Scene+ points are in your Scene+ account, you have no other way out: you can only use them in the Scene+ program.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-platinum-card\">Advantage: American Express Platinum Card<\/h5>\n\n\n\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a> Membership Rewards points are highly flexible and can be transferred elsewhere for great savings.<\/p>\n\n\n\n<p>It&#8217;s a flexibility that the <a target=\"_blank\" title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a> doesn&#8217;t have.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-benefits\">The Benefits<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-access-to-airport-lounges\">Access to Airport Lounges<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a class=\"thirstylink\" title=\"American Express Platinum Card<sup>&reg;<\/sup>\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\" rel=\"nofollow sponsored\">American Express Platinum Card<sup>&reg;<\/sup> <\/a>you and a guest have unlimited free access to many airport lounges around the world:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a target=\"_blank\" href=\"https:\/\/www.prioritypass.com\/\">Priority Pass Lounges<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"https:\/\/www.executivelounges.com\/airport-lounges\/montreal-airport-swissport-lounge\">National Bank Lounge Montreal-Trudeau<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"https:\/\/www.aeroportdequebec.com\/fr\/pages\/salon-vip\">V.I.P Lounge at Jean Lesage International Airport Quebec<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"https:\/\/www.executivelounges.com\/\">Executive Lounges by Swissport<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"https:\/\/www.plazapremiumlounge.com\/en-uk\">Plaza Premium Lounge<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"https:\/\/www.delta.com\/us\/en\/delta-sky-club\/overview\">Delta Sky Club<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"http:\/\/www.airspacelounge.com\/\">Airspace Lounges<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"http:\/\/www.escapelounges.com\/\">Escape Lounges<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"https:\/\/thecenturionlounge.com\/\">Centurion Lounges<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.americanexpress.com\/fr-ca\/travel\/lounges\/the-platinum-card\/#\">American Express International lounges<\/a><\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>The Scotiabank Platinum American Express<sup>&reg;<\/sup> Card gives you <strong>10 complimentary airport lounge visits<\/strong> per year, from the date you join the program. The card is linked to the DragonPass and Plaza Premium networks.<\/p>\n\n\n\n<p>Once all 10 accesses have been used, the cost is USD 32 per person for entering alounge.<\/p>\n\n\n\n<p>Secondary cardholders enjoy 4 free visits per year.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-platinum-card\">Advantage: American Express Platinum Card<sup>&reg;<\/sup>.<\/h5>\n\n\n\n<p>If you travel regularly, it&#8217;s easy: the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a> will open the doors of numerous lounges around the world for you and one guest (or up to two children, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/benefits-unique-platinum-american-express-card\/#Les_avantages_voyages_de_la_Carte_de_PlatineMD\">depending on the lounge<\/a>), as well as in Canada in the <a target=\"_blank\" href=\"\/?p=141464\">Plaza Premium<\/a> lounges, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/air-france-lounge-montreal-trudeau-yul\/\">Air France Lounge<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\">National Bank Lounge<\/a> or the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/westjet-elevation-lounge-yyc\/\">WestJet Elevation Lounge<\/a>.<\/p>\n\n\n\n<p>If you travel less often, you&#8217;ll get 10 annual visits to airport lounges with the <a target=\"_blank\" title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-benefits\">Other Benefits<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a class=\"thirstylink\" title=\"American Express Platinum Card<sup>&reg;<\/sup>\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\" rel=\"nofollow sponsored\">American Express Platinum Card<sup>&reg;<\/sup><\/a>, you enjoy the following benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$200 Annual Travel Credit<\/li>\n\n\n\n<li>$200 Annual Dining Credit for certain restaurants<\/li>\n\n\n\n<li>$100 NEXUS membership credit<\/li>\n\n\n\n<li>Pearson Priority Security Control<\/li>\n\n\n\n<li>Access to over 1,300 airport lounges (including American Express Centurion)<\/li>\n\n\n\n<li>Free access to Priority Pass lounges for cardholder and one guest<\/li>\n\n\n\n<li>Hilton Honors Gold status<\/li>\n\n\n\n<li>Marriott Bonvoy Elite Gold Status<\/li>\n\n\n\n<li>Fine Hotels Resorts Program<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card <\/a>offers you the following benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>No foreign currency transaction fees (0%)<\/li>\n\n\n\n<li>10 annual visits to airport lounges<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-platinum-card\">Advantage: American Express Platinum Card<sup>&reg;<\/sup>.<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a> is aimed at all frequent travelers, making life at the airport easier for them as well as for those who stay in hotels and frequent the best restaurants.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h2>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td>Insurance<\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card-200x127.png\" alt=\"New Platinum Card\" width=\"200\" height=\"127\"><\/a><\/td><td><img class=\"wp-image-185857 \" title=\"Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/carte-banque-scotia-american-express-platine-sceneplus-450x291.png\" alt=\"Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" width=\"201\" height=\"130\"><\/td><\/tr><\/thead><tbody><tr style=\"height: 24px;\"><td>Trip Cancellation Insurance<\/td><td><strong>up to $5,000<\/strong><\/td><td>up to $2,500<\/td><\/tr><tr style=\"height: 24px;\"><td>Trip interruption insurance<\/td><td><strong>up to $6,000<\/strong><\/td><td>up to $5,000<\/td><\/tr><tr style=\"height: 48px;\"><td>Out-of-Province\/Country Emergency Medical Insurance<\/td><td>Up to $5,000,000<br>15 days<\/td><td>Up to $2,000,000<br><strong>31 days<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Flight delay insurance<\/td><td>Up to $1,000 after 4 hours<\/td><br><td>Up to $1,000<br>after 4 hours<\/td><\/tr><tr style=\"height: 24px;\"><td>Misdirected Baggage Insurance<\/td><td>Up to $1,000<br>after 6 hours<\/td><td><strong>up to $1,000<\/strong><br><strong>after 4 hours<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Baggage loss or theft insurance<\/td><td>up to $1,000<\/td><td>up to $1,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Hotel burglary insurance<\/td><td>up to $1,000<\/td><td>up to $1,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Rental car theft and damage insurance<\/td><td><strong>up to $85,000<\/strong><\/td><td>up to $65,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Travel accident insurance<\/td><td>$500,000<\/td><td>$500,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase Protection<\/td><td>1 additional year<\/td><td>1 additional year<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase Guarantee<\/td><td>Up to $1,000<br>120 days<\/td><td>Up to $1,000<br>120 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Standby medical concierge service<\/td><td>Included<\/td><td>&#8211;<\/td><\/tr><tr><td>Mobile device insurance<\/td><td>&#8211;<\/td><td><strong>up to $1,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-platinum-card\">Advantage: American Express Platinum Card<sup>&reg;<\/sup>.<\/h5>\n\n\n\n<p>The insurances offered by the two cards are similar on several coverages, but the American Express Platinum Card<sup>&reg;<\/sup> is slightly superior.<\/p>\n\n\n\n<p>However, Scotiabank Platinum American Express<sup>&reg;<\/sup> Card also offers practical mobile device insurance.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>So? Which Card is the winner?<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png\" alt=\"Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card - New Platinum Card\" class=\"wp-image-80221\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">Platinum Card<sup>&reg;<\/sup> from American Express<\/a> is the best because:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Its attractive welcome offer;<\/li>\n\n\n\n<li>Its flexible points allow a multitude of possibilities;<\/li>\n\n\n\n<li>Its multiple annual credits;<\/li>\n\n\n\n<li>It has a wide range of airline and hotel partners for the transfer of points;<\/li>\n\n\n\n<li>Its excellent insurance benefits;<\/li>\n\n\n\n<li>A wide choice of airport lounges for free, endless access.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-platinum-american-express-card.png\" alt=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express<sup>&reg;<\/sup> Card - Scotiabank<sup>&reg;<\/sup>* Platinum American Express Card<sup>&reg;<\/sup>\" class=\"wp-image-185858\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a> is a good compromise and stands out from the crowd:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>No foreign currency transaction fees (0%)<\/li>\n\n\n\n<li>10 annual visits to airport lounges<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22616,22641\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"165440,218289\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-amex-platinum-vs-scotia-platinum\">Frequently Asked Questions about the American Express Platinum vs Scotiabank Platinum American Express comparison<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"american_express_platinum_or_scotiabank_platinum_american_express_which_one_delivers_more_value_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAmerican Express Platinum or Scotiabank Platinum American Express \u2014 which one delivers more value?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>On paper, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-mc1-mastercard\/\">American Express Platinum Card<\/a> charges $799 annually but returns $200 in travel credits and $200 in restaurant credits, dropping the effective fee to roughly $399. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotiabank Platinum American Express<\/a> charges $399 flat with no automatic credits. Both end up at a similar net cost, but the Amex Platinum&#8217;s ecosystem is stronger: unlimited Priority Pass, Centurion lounges, hotel elite status (Hilton Honors Gold, Marriott Bonvoy Gold), and 100,000-point welcome bonus worth ~$1,700. The Scotiabank Platinum compensates with no foreign currency fees and a generous 80,000-point welcome offer (~$800 travel).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_has_unlimited_airport_lounge_access_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card has unlimited airport lounge access?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-mc1-mastercard\/\">American Express Platinum Card<\/a> is the lounge access king in Canada \u2014 unlimited Priority Pass visits (1,400+ lounges worldwide) for the cardholder and one guest at no marginal cost, plus access to Amex Centurion lounges in Vancouver, Toronto and select international airports. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotiabank Platinum American Express<\/a> includes a Priority Pass with 10 free annual lounge visits, then $35 USD per visit afterward. For travellers flying more than 5 round-trips per year, the Amex Platinum&#8217;s unlimited access easily justifies the price gap. Below that travel volume, the Scotiabank Platinum&#8217;s 10 visits often cover real-world needs.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_difference_between_membership_rewards_and_scene_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the difference between Membership Rewards and Scene+ points?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Membership Rewards (Amex Platinum) are highly transferable \u2014 Aeroplan 1:1, Marriott Bonvoy 5:6, British Airways Avios 1:1, Flying Blue, Delta SkyMiles, and more. This flexibility regularly delivers 2 to 4 cents per point of real value on premium-cabin redemptions. Scene+ points (Scotiabank Platinum) are not transferable to airlines; they&#8217;re worth 1 cent each through the Scene+ Travel portal or as travel statement credits, with bonus value at Cineplex (1.43 cents) or Sobeys (0.7 cents). For sophisticated points users hunting business class flights, Membership Rewards win. For straightforward travel statement credits and flexibility, Scene+ is simpler.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"does_either_card_waive_foreign_currency_fees_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDoes either card waive foreign currency fees?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes \u2014 but only one. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotiabank Platinum American Express<\/a> charges 0% foreign currency conversion fee, saving you 2.5% on every USD or international purchase. On $20,000 of annual overseas spending, that&#8217;s $500 in savings versus a standard card. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-mc1-mastercard\/\">American Express Platinum Card<\/a> still charges the standard 2.5% FX fee, which surprises some prospective applicants. For internationally focused users, this single feature makes the Scotiabank Platinum more attractive abroad. The Amex Platinum offsets this with its $200 travel credit and superior insurance limits, but if FX fees matter most to your spending pattern, Scotiabank wins this comparison handily.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-go-further-with-membership-rewards\">Go further with American Express Membership Rewards<\/h2>\n\n\n\n<p>To maximize your Membership Rewards earning, check our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">complete American Express Membership Rewards program guide<\/a> and our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/membership-rewards\/\">best American Express Membership Rewards credit cards ranking<\/a>, updated monthly by the Milesopedia team.<\/p>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s our detailed comparison of the American Express Platinum Card and the Scotiabank Platinum American Express Card, two cards for frequent travellers.<\/p>","protected":false},"author":3,"featured_media":396345,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[690,697],"class_list":["post-398806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","mc_loyalty_program-american-express-membership-rewards","mc_loyalty_program-sceneplus","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express\u00ae Card | Milesopedia<\/title>\n<meta name=\"description\" content=\"Here is our detailed comparison of the American Express Platinum Card and the Scotiabank Platinum American Express Card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-platinum-american-express-vs-american-express-platinum-scotia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comparison: American Express Platinum Card vs. Scotiabank Platinum American Express\u00ae Card\" \/>\n<meta property=\"og:description\" content=\"Here is our detailed comparison of the American Express Platinum Card and the Scotiabank Platinum American Express Card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-platinum-american-express-vs-american-express-platinum-scotia\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-03T13:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-09T08:32:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/07\/Cartes-Comparatifs-02-Amex-Platine-Scotia-vs-Amex-Platine-ENG.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1260\" \/>\n\t<meta property=\"og:image:type\" 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