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Student credit cards
Build your credit history, earn rewards, and take advantage of special offers, all while focusing on school.
Bundle your banking. Boost your rewards.
Already have the Preferred Package for Students and Youth and Money Master Savings Account? Add an eligible credit card to qualify for the Scene+ Student Banking Bundle and you could unlock up to $625 in value*.
Choose the credit card that’s right for you
If you’re a Canadian citizen or permanent resident, you can apply online within minutes.
If you’re an international student, book an in-person appointment to apply.
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Value the rewards and benefits that can be earned with this Card
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer cash back rewards
- Prefer a card with certain embedded insurance benefits
STUDENT
Scotiabank® Scene+TM Visa* Card (for students)
Earn up to 5,000 bonus Scene+ points ($50 value) within your first 3 months.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
Interest rates: 21.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases
- Value the rewards and benefits that can be earned with this Card
- Interested in building your credit history if you make at least your minimum payments on time each month
- Want an interest-free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
STUDENT
Scotia Momentum® No-Fee Visa* Card (for students)
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2
Plus, get a 0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 22.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest-free grace period on purchases'
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer other types of rewards available with our other Cards
STUDENT
Scotia Momentum® Visa* Card (for students)
Get a 0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance; 22.99% after that; annual fee $49).2
Annual fee: $49
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases
- Value the rewards and benefits that can be earned with this Card
- Interested in building your credit history if you make at least your minimum payments on time each month
- Want an interest -free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
STUDENT
Scotiabank American Express® Card (for students)
Earn up to 10,000 bonus Scene+ points within your first 3 months (that’s up to $100 towards travel).4
Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more.
Annual fee: $0
Interest rates: 21.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Would like the option of paying an annual fee to receive a lower interest rate
- Usually carry a balance on your card (consistently each month)
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer cash back or reward points
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
STUDENT
Scotiabank Value® Visa* Card (for students)
Save up to hundreds of dollars a year on interest.1
0% promotional interest rate on balance transfers for the first 9 months with a 1% balance transfer fee.1 Plus pay no annual fee in the first year.1
Annual fee: $29
Interest rates: 13.99% purchases / 13.99% cash advances
Plan for success with the Student Hub
The best path forward to financial tips, tools, and advice to help students manage their money better.
Plan today for a secure tomorrow
Scotia Credit Card Protection
Help prepare for any kind of trip
with Scotia Travel Insurance
Frequently asked questions
ScotiaLine® Personal Line of Credit for Students
A tailored way to borrow money for school with flexible repayment options and competitive interest rates.
Do more with your card
Value of up to $625 in welcome bonuses and point value with the Scene+™ Student Banking Bundle includes $200 cash, up to $100 cash back, and up to 32,500 in Scene+ points (valued at up to $325) as follows:
- $200 cash offer for new Preferred Package for Students and Youth customers
- Earn 5% cash back on up to $2,000 in everyday purchases for the first 3 months (up to $100 value) on a Scotia Momentum® No-Fee Visa Card * (other Bundle eligible cards have different welcome offers)
- 2,500 Scene+ points ($25 value) for new customers who combine the Preferred Package for Students and Youth Account with a new Money Master Savings Account
- 30,000 Scene+ points ($300 value) when you bundle all 3 of the above accounts and complete certain qualifying transactions as part of the Scene+ Student Banking Bundle Bonus Offer.
Conditions apply. Please see Scotiabank® Scene+TM Student Banking Bundle Offer.