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L’earn® Visa* Card
- Get up to a 1% Moneyback reward.1
- No annual fee.
- Earn even more rewards, faster!
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 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.
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
- Life Benefit
- Critical Illness Benefit
- Hospitalization Benefit
Comprehensive Protection
- Life Benefit
- Critical Illness Benefit
- Hospitalization Benefit
- Disability Benefit
- Job Loss Benefit
- Strike or Lockout Benefit
Explore Finance for Students
Find helpful information on student programs, budgeting tools and scholarship opportunities.
View nowStudent Centre
Purchase returns, payments, cash advances, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for a Moneyback reward.
Not including cash advances, balance transfers and Scotia Credit Card cheques. Provided that you pay your balance in full by the payment due date.
All Scotiabank retail credit cards, except ScotiaLine VISA card, Scotiabank Value VISA card, and No-Fee Scotiabank Value VISA card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic.
Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. The Bank of Nova Scotia is not responsible for this service.
Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to The Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.
Visa Int. / Licensed User