L'earn® VISA® Credit Card

No annual fee money back rewards card for students

Updated: Aug 28, 2022

Advertiser Disclosure

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.







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L'earn® VISA® Credit Card

This card is not available through MarketProSecure Canada.

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Introductory APR


Intro APR Period


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Key Features

  • 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

Our Take

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 interest 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, cardmembers 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.

L’earn Visa Card Benefits

  • Eligible for My Mobile Wallet
  • Visa payWave
  • Eligible for Apple Pay & Android Pay
  • Accelerated Moneyback Rewards
  • Up to 20% car rental discount at AVIS locations worldwide
  • Link card and use TeleScotia® Telephone Banking & Scotia OnLine® Financial Services
  • Financial protection from a range of life events: Job Loss, Disability, Lockout or Strike, Critical Illness or loss of Life
  • Scotia Credit Card Cheques

L’earn Visa Competition



  • No intro rates

Frequently Asked Questions

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Basic Information
Issuer: Scotiabank
Network: VISA
Category: Student (Regular)
Best Used For:
  • Instant Decision
Rewards: Yes
Reward Types:
  • CashBack Rewards
  • Universal Rewards
Reward Units: Cash
Rates & Fees
Regular APR: 19.99%
Regular APR Type:
Annual Fee: $0
Balance Transfer: Yes
APR on Cash Advances: 22.99%
Grace Period: 21 days

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Non-Affiliate Offer Disclosure
*The information provided for L'earn® VISA® Credit Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure® Canada. The card issuer did not provide the details, nor it is responsible for their accuracy.

L'earn® VISA® Credit Card

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L'earn® VISA® Credit Card

L'earn® VISA® Credit Card

Rec. Credit Score: Good

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