No Annual Fee


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rewards, faster!


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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 Android Pay

  • Visa Checkout - Now you can checkout online easier with Visa Checkout

  • Fees, Rates & Other Information2

    Annual Fee


    Interest Rates


    19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques

    Credit Limit





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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.

    More details, Accelerated Moneyback Reward Program
    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.

    More details, Save on car rentals
    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.

    More details, Easy Access
    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. 

    More details, Get cash advantages
    Feel reassured (Optional protection)

    Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.

    More details, Feel reassured (Optional protection)
    In Person

    Make an appointment

    Find a branch
    By Phone

    Call the Scotiabank Credit Card Centre

    1 (800) 747-3208