Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
Scotiabank's premium Scene+ Amex: a flat 2x on everything, global lounge access, and no foreign transaction fee — a simple high-earn card for those who value lounges and flat rewards.
People who want a flat 2x everywhere without tracking categories.
Travellers who value lounge access and no-FX-fee spending in a Scene+ card.
You'd earn more from a category card (Gold Amex hits 5–6x on food).
You won't use the lounge/premium perks to justify $399.
Watch-outs $399 fee needs real usage of lounges/credits to justify vs the flat 2x earn. · Amex acceptance is narrower than Visa/MC.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.