Get L'earn™ Visa* Card

Are you a Scotiabank customer with access to online banking?


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

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.

  • 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
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    The Scotiabank 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.

    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

    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

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

    In Person

    Make an appointment

    Find a branch
    By Phone

    Call the Scotiabank Credit Card Centre

    1 (800) 747-3208