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Never before has it been more important to start our young adults out on strong financial footing. Fortunately, there are tools available, such as the ScotiaBank L'earn card,that can help put that ever-important foundation in place. No annual fee sweetens the deal, too. Learn more about this Visa card designed for college students and apply today.

L'earn VISA Credit Card
Intro APR  APR Annual Fee 
N/A* 19.99% * $0*
Unfortunately, we do not currently offer online application for this card. See similar cards

Basic Information

Issuer: Scotiabank
Card Network: VISA
Card Category: Student (Regular)
Card Type: - Card for Bad Credit
- Instant Decision Card
- Reward Card
Credit Needed: Good*

Card Review

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Many college age students often are unsure of where to turn to get their financial history started. Parents want to ensure even their very first decision is the right one. The L'earn credit card offers the power of Visa, it addresses those unique challenges all young adults face and incentives for keeping on time payments and remaining within their credit limits. Let's face it, a college education is expensive and while we want to give our kids the best of everything, the most powerful gift, aside from a solid education, is a head start on their finances. These are the decisions that determine the interests rates they receive on their first homes, their insurance and future credit cards. Solid financial education is important as well, and what better way to instill that than with a hands on approach?

This Visa delivers it all, including an easy 1 percent moneyback reward every year on qualifying purchases. No worries about an annual fee, either. Plus, card members enjoy a generous grace period of at least 21 days, lower APR on purchases and cash advances. It even offers balance transfers.

There are times when a bit of additional assurance is required. ScotiaBank offers a few ways of accomplishing this. For instance, a co-signor can increase the odds of approval and once applicants submit their own application, they are provided a link for their co-signors if it's deemed necessary.

These are just a few of the benefits that make this a smart financial move. Learn more or apply today.
Card rating:
(3.8 out of 5) total 16 votes
Most attractive features: - No annual fee
- Tool to build a good credit rating
- Free rewards program
Least attractive features: - No intro rates

Rewards & Benefits

Reward Types: - CashBack Reward Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - 1% Moneyback every year on the purchases you've made with your card
Expiration: None*
Yearly Limit: None*
Other Benefits: - Student Credit Tips
- Scotia Credit Card Cheques
- Instant Cash Advances
- Visa payWave
- Easy Access
- Mobile Valet
- Scotia Credit Card Balance Protection (optional)
*See terms and conditions of the card for other benefits
Online Card Account Access:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
Regular APR (%): 19.99%*
Annual Fee: $0*
Grace Period: 21 days*
Minimum Credit Line: $500*

Balance Transfers

Balance Transfer:
Transfer Fee (%): 1.00% of each balance transfer

Cash Advances

APR on Cash Advances (%): 22.99%


View Other Scotiabank Cards
View Other VISA Cards
View Other Balance Transfer Cards
View Other Canadian Credit Cards
View Other No Annual Fee Cards
View Other Regular Cards
View Other Reward Cards
View Other Student Cards
View Other Cards for Bad Credit
View Other Instant Decision Cards
View Other CashBack Reward Cards
View Other Universal Reward Cards

* The information provided for L'earn VISA Credit Card is believed to be accurate at the time of evaluation (Apr 11, 2016). Please verify the terms and conditions for each provider to ensure accuracy of any information posted before applying for any product.

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