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Student (Regular) Card Offer from Scotiabank.

Basic Information

  • Get up to a 1% Moneyback reward
  • $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
  • 20% discount rates at Avis Car Rental

N/A* Intro APR

N/A*Intro APR Period

Good*Credit Needed

21 days*Grace Period

N/A*Late Payment Fee

APR: 19.99%*
Card Network:VISA
Card Type:- Card for Bad Credit
- Instant Decision Card
- Reward Card

Card Review

Product Rating:
Ratings (4 out of 5)

Today's younger consumers recognize the power of a strong credit rating. It's not surprising, then, that many turn to the ScotiaBank suite of credit card offers, including the Visa backed L'earn card.

Young adults, and certainly college students, can face big roadblocks when it comes to getting their financial foundation in place. This is one reason the L'earn is such a great choice. Even those who may not gain approval on their own are afforded the opportunity to including a co-signor, who can increase their approval odds. There's also the option of incorporating a Canadian savings bond or guaranteed investment certificate as a form of collateral.

And for all of that financial discipline, L'earn card members are rewarded for their hard work with bonus rewards and discounts with partners, such as Avis Rental Cars.

This is an ideal financial solution for many college age adults who are preparing to begin their careers and enter mainstream financial avenues.

The review is prepared by staff. Opinions expressed therein are solely those of the reviewer.

Rewards & Benefits

Reward Types:- CashBack Reward Cards
- Universal Reward Cards
Rewards:- 1% Moneyback every year on the purchases you've made with your card
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
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Introductory Period:N/A*
APR on Purchases: 19.99%*
Annual Fee:$0*
Minimum Credit Line:$500

Balance Transfers

Balance Transfer:Yes*
Transfer Fee:1.00%

Cash Advances

APR on Cash Advances:22.99%


* The information provided for the L'earn VISA Credit Card is considered to be accurate at the time of posting (Apr 11, 2016). However, we strongly advise site visitors to check the fees, terms and conditions applicable to the product on the card issuer's application page prior to completing an application.

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