Scotiabank GM Visa Card Calculator

Card Details & GM Earnings Calculator
5%/2% GM Earnings
Avis & Budget Savings
Purchase Protection

GM Earnings Calculator for the Scotiabank GM Visa Card. Calculate total GM Earnings based on spend and compare against top cards.

The Scotiabank GM Visa Card earns GM Earnings. $1 in GM Earnings is equal to $1 off the purchase price or lease of a new Chevorlet, Buick, GMC, or Cadillac. There's no earning caps or redemption limits for GM Earnings.

Bonus Categories

The Scotiabank GM Visa Card does not have any bonus categories. You'll earn GM Earnings at a rate of 5% back on the first $5,000 spent annually and then 2% back thereafter for the remainder of the calendar year. There's no limit to the amount of cash back you can earn overall.

  • 5%/2% All Purchases
    • Earn 5% back in GM Earnings on the first $5,000 in purchases annually.
    • Earn 2% back in GM Earnings on all purchases over the first $5,000.

If you're able to hit the $5,000 cap on the 5% category, you'll end up earning $250 in GM Earnings. After that, you'll need to spend $12,500 on the card to earn another $250 at the 2% earning rate.

Perks & Benefits

The Scotiabank GM Visa Card comes with car rental savings and purchase protection.

  • Avis & Budget
    • 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: C030302
      • bookings use Budget Corporate Discount (BCD) Number: A363311
  • Purchase Protections

Sign Up Bonus (SUB)

The Scotiabank GM Visa Card does not have a standard sign up bonus.

Fees & Income Requirements

Annual Fee

The Scotiabank GM Visa Card does not have an annual fee. This means you'll always be earnings a 2%-5% return on your spending.

Authorized User Fee

There's no fee to add authorized users to the Scotiabank GM Visa Card. Adding additional users can help you build your GM Earnings faster.

Foreign Transaction Fee

The foreign currency conversion fee for the Scotiabank GM Visa Card is 2.5%.

Income Requirements

There is no listed income requirements for the Scotiabank GM Visa Card.

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 cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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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.

Rakuten Rewards

Earn additional cash back when booking travel and shopping online using Rakuten. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
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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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