My Rate Compass

Card Details

Bank Name: Scotiabank
Network Type: VISA
Card Type: Student
MRC Rating My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category.: (4.1)


Annual Fee: $0
Additional Card Fee: $0
Purchases Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%


  • You're a Canadian resident
  • You've reached the age of majority in your province or territory

Recommended Credit Score

Average to Excellent (670-900)

L'earn™ Visa* Card Review

Welcome Bonus:
Apply Now On Scotiabank's Secure Website
L'earn™ Visa* Card snapshot

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.

  • Get up to a 1% Moneyback reward
  • $0 annual fee
  • Spend wisely, earn valuable rewards
  • Build a good credit rating
L'earn™ Visa* Card Rewards
L'earn™ Visa* Card Features
Priority airport services
Airport lounge access
Concierge service
Balance protection(Optional)
Purchase Security & Extended Protection Insurance
Flight delay insurance,Baggage Insurance
Vehicule rental insurance
Travel accident insurance
Travel medical insurance
L'earn™ Visa* Card User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 4 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5


Other Recommended Credit Cards


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.

Save on car rentals with discounts of up to 20% at participating AVIS car rental locations worldwide.

Feel reassured (Optional protection)

Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.

Convenient with Visa payWave? simply wave your card and go!
Eligible for My Mobile Wallet
Eligible for Apple Pay & Android Pay
Visa Checkout - Now you can checkout online easier with Visa Checkout

Editor`s Review:

Students who are serious in building their credit history may find the L?earn Visa Card to their liking. It has no annual fee, gives 1% cash back and has easy-approval requirements. While this student credit card has no bells and whistles in terms of rewards, the straightforward cash back structure offers enough rebates for you to save cash when you shop and delivers the advantages of a credit card minus the high-income requirement.

Apply Now On Scotiabank's Secure Website

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Author Bio

Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).