No annual fee and cash back on everyday purchases.

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).2

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

Fee & Rates


Annual Fee3


Interest Rates3

19.99% on purchases
22.99% on cash advances
Move money

Minimum credit limit

Request money

Supplementary Card3


Additional Benefits

  • 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.1 Plus earn 0.5% cash back on all other eligible purchases.1
  • Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S. when you pay with your Scotia Momentum No-Fee Visa card.4
  • Consolidate all your eligible recurring payments on your card and turn them into cash back rewards.
  • Scotia SelectPayTM. A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.10 Learn more.
  • Optional Scotia Credit Card Protection insurance. Coverage to help you and your family stay financially on track through unexpected events.9

You may also like these options

Scotiabank® Scene+™ Visa* Card (for students)

Main features and perks

Earn 2X the Scene+ points on every $1 you spend at Sobeys, Safeway, Foodland, and Cineplex.4

Special offer

Earn up to 5,000 bonus Scene+ points within your first year.2

Learn more

Scotiabank American Express® Card (for students)

Main features and perks

Earn up to 3X Scene+TM points on every $1 you spend on eligible grocery, dining, and entertainment purchases1.


Special offer

Earn up to 7,000 bonus Scene+ points within your first year (that’s up to $70 towards travel).4

Learn more

Scotiabank Rewards Comparison

Select the type of reward or benefit you're interested in and take the guesswork out of choosing a card.

Meet with a Scotiabank advisor

Book a meeting with a Scotiabank advisor today and start the conversation.

Other credit card solutions that might interest you 

Start over