Scotiabank · Rewards Calculator
Scotiabank American Express Platinum CardRewards Calculator
| Category | Earn Rate |
|---|---|
| All purchases | 2 Scene+ points per $1 |
Enter Your Monthly Spending
We'll calculate your Scene+ points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your Scene+ points earnings with the Scotiabank American Express Platinum Card.
Or try a quick-fill preset to get started
Ready to apply for the Scotiabank American Express Platinum Card?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Scene+ points.
Welcome Bonus
Bonus
Up to 80,000 bonus Scene+ points
~$800 estimated value
How to Earn It
60,000 Scene+ points
Spend $3,000 first 3 months
20,000 Scene+ points
Spend $10,000 first 14 months
Offer Expires
July 1, 2026
Card Details
- Annual Fee
- $399/yr
- Additional Card Fee
- $99
- Network
- Amex
- Rewards Program
- Scene+
- Purchase Interest Rate
- 9.99%
- Cash Advance Rate
- 9.99%
- Foreign Transaction Fee
- None
- Min. Income Required
- $12,000
- Lounge Access
- Yes
Insurance & Perks
- Travel emergency medical insurance
- Trip cancellation and interruption insurance
- Flight delay insurance
- Delayed and lost baggage insurance
- Hotel/motel burglary insurance
- Rental car collision/loss damage insurance
- Purchase security and extended warranty protection
- 10 complimentary Priority Pass and Plaza Premium lounge visits annually (14 total with supplementary cardholder), with access to 1,200+ global lounges.
How to Use the Scotiabank American Express Platinum Card Rewards Calculator
This calculator helps you estimate how many Scene+ points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the Scotiabank American Express Platinum Card's earn rates to show you a complete breakdown.
Understanding Scotiabank American Express Platinum Card Earn Rates
The Scotiabank American Express Platinum Card earns Scene+ points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- All purchases: 2 Scene+ points per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the Scotiabank American Express Platinum Card. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Scene+ points
The true value of your Scene+ points depends on how you redeem them. As part of the Scene+ program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $399 Annual Fee Worth It?
The Scotiabank American Express Platinum Card carries an annual fee of $399. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.