ScotiaGold Passport Visa Card Calculator

Card Details & Scotia Rewards Points Calculator
1x All Purchases
5% Cash Back Scotia Travel Rewards Portal
Avis & Budget Discounts
Travel & Purchase Coverage

Calculate how many Scotia Rewards Points you can earn with the ScotiaGold Passport Visa and compare against top rewards cards side by side.

The ScotiaGold Passport Visa Card is a great card for those who spend a good deal of money booking travel through the Scotia Rewards Travel Service. You'll get a solid 5% cash back when using this card to pay along with a flat rate of Scotia Rewards Points for all purchases as well. Plus, the ScotiaGold Passport Visa Card comes with travel coverage.

Bonus Categories

The ScotiaGold Passport Visa Card does not feature any bonus categories. You'll earn an unlimited 1 Scotia Reward Point per $1 spent on all purchases ran across the card. There's no limit to the amount of Scotia Rewards Points you can earn using the card.

  • 1x All Purchases

Perks & Benefits

The primary benefit of the ScotiaGold Passport Visa Card is the cash back you'll earn booking travel through Scotia Rewards Travel Service. The card also comes with discounts on car rentals and travel coverage.

  • 5% Cash Back On Scotia Rewards Travel
    • Applies to airline tickets, pre-package tours, and cruises booked through the portal.
    • Taxes, service charges, insurance, hotels, motels, car rentals and personal expenditures are excluded unless already included in prepackaged tours.
    • Cash back is in the form of a rebate and will be credited to your card within two billing cycles following your departure date.
  • Avis & Budget Discounts
    • Save up to 25% off base rates with Avis and Budget when you pay with your ScotiaGold Passport Visa Card.
    • Be sure to use the following codes when booking your rental:
      • bookings use Avis Worldwide Discount (AWD) Number: C030500
      • bookings use Budget Corporate Discount (BCD) Number: A363308
  • Travel & Purchase Coverage
    • Travel Emergency Medical Insurance
    • Rental Car Collision Loss Damage Insurance
    • Delayed and Lost Baggage Insurance
    • Travel Accident Insurance
    • Hotel/Motel Burglary Insurance
    • Purchase Security & Extended Warranty Protection

Sign Up Bonus (SUB)

The sign up bonus for the ScotiaGold Passport Visa Card is 5,000 points after you make your first purchase.

Fees & Income Requirements

Annual Fee

The annual fee for the ScotiaGold Passport Visa Card is $110. If you spend a lot on the Scotia Rewards Travel Service, you can easily make up the fee. The travel coverage and car rental discounts also adds some value to the card.

Authorized User Fee

Supplementary cards for the ScotiaGold Passport Visa Card is $30 per card. Adding family or friends as authorized users can help generate points and cash back faster. You'll want to make sure that they run enough spend through the card to make up for the additional fee.

Foreign Transaction Fee

The foreign transaction fee for the ScotiaGold Passport Visa Card is 2.5%.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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