Get L’earn® Visa* Card

Are you a Scotiabank customer with access to online banking?

L’earn® Visa* Card

  • Get up to a 1% Moneyback reward.1
  • No annual fee.
  • Earn even more rewards, faster!

Are you new to Canada in the past three years? Visit a branch to apply. Use our Branch Locator

L'earn Visa Card
L’earn® Visa* Card
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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, 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
  • 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 other types of rewards available with our other Cards

Fees, Rates & Other Information2

Annual fee $0/year
Interest rates

19.99% on purchases

22.99% on cash advances, balance transfers and Scotia Credit Card Cheques

Minimum credit limit $500
Each supplementary Card $0/year

Great reasons to get this card for your everyday purchases

The more you use your card, the more you'll get back in return.

  • Get up to a 1% Moneyback reward1
  • $0 annual fee
  • Spend wisely, earn valuable rewards
  • Build a good credit rating
  • Convenient with Visa payWave™ simply wave your card and go!
  • Eligible for My Mobile Wallet
  • Eligible for Apple Pay & Google pay
  • Click to PayΔ* - Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
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L’earn® Visa* Card

Is this the right card for you? Find out in just 43 seconds.

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Your card comes with benefits

Accelerated Moneyback Reward Program

Students can now get a VISA card that was designed with students in mind. The L’earn® Visa* Card offers a Moneyback® reward program and a host of other great benefits.

Save on car rentals

Planning a road trip? Save on car rentals with discounts of up to 20% at participating AVIS car rental locations worldwide.


Easy Access

Link your L’earn® Visa* account to your ScotiaCard® and use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Get cash advantages

As a cardholder, you have flexibility. You’ll receive Scotia Credit Card Cheques2 for added convenience. And it’s easy to get cash advances. 

Scotia Credit Card Protection
(optional)°

This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout.

There are two different coverage bundles to choose from:

Basic Protection 

  • Death Benefit
  • Critical Illness Benefit  
  • Hospitalization Benefit

Comprehensive Protection

  • Death Benefit
  • Critical Illness Benefit
  • Hospitalization Benefit
  • Disability Benefit
  • Job Loss Benefit
  • Strike or Lockout Benefit

Get L’earn® Visa* Card

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By phone

Call the Scotiabank Credit Card Centre

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In person

Make an appointment at your local branch.

Not sure if this is the right credit card for you?