Scotiabank L’earn Visa Card

Welcome Bonus



Annual Fee


Annual Rewards


$24,000 annual spending x 0.97% return on spending = $234 annual rewards

Rewards on Approval


Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

Are you looking for a credit card that offers flexibility, rewards, and convenience? The Scotiabank L'earn Visa Card might be the perfect choice for you. This card comes with various benefits that can help you make the most out of your day-to-day purchases. Let's take a closer look at some of these features.


  • 1% Moneyback reward
  • No annual fee
  • 20% off on car rental


  • No sign-up bonus
  • No travel insurances
  • No purchase security & extended warranty protection
  • 2.5% foreign transaction fees

Details & Eligibility

  • N/A
  • $12000
  • N/A
  • $0
  • $0
  • Visa
  • Yes
  • 19.99%
  • 22.99%
  • 22.99%
  • N/A
  • N/A
  • N/A

Flexible Rewards Program

One of the best features of this credit card is its flexible rewards program. With the Scotia L’earn Rewards Program, you can earn up to 1% cash back on select categories such as groceries, restaurant meals, home maintenance, and more.

No Annual Fee

Another great feature of this card is that it doesn’t have an annual fee. That means no pesky fees to worry about! Plus, there are no additional fees when using this card abroad or online, so it’s perfect for travellers and online shoppers.

Low Interest Rate

Finally, this credit card has a low-interest rate that starts at just 19.99%. That means that even if you carry a balance from month to month, your interest payments will still be manageable. Plus, if you pay off your balance in full each month, then there won’t be any interest payments at all!


The Scotiabank L’earn Visa Card is an excellent choice for those who want flexibility regarding their spending habits and rewards program options. It offers excellent benefits such as a money-back reward with no annual fee and low-interest rates starting at 19.99%. With all these features combined, this credit card will surely provide an enjoyable experience for both new and veteran users. So if you’re looking for the perfect credit card option for yourself or someone else, this card should be on your radar!