You've got to Learn to Earn!
Students can now get a VISA card that was designed with students in mind. The L’earn™ VISA* card offers an accelerated Moneyback reward program, automatic membership in the ScotiaStar Network program and a host of other great benefits. It’s the ideal choice for students who spend wisely and want to earn valuable cash rewards – that can really add up!
And best of all – there’s no annual fee!¹
Get up to a 1% Moneyback reward²
The L'earn VISA card automatically gives you a Moneyback reward of up to 1% on purchases you make with your card2. For students, we've significantly lowered the Moneyback reward tiers, so it's much easier to earn even more rewards.
The more you use you card, the more you’ll get back in return. As an example, if you were to put all of your spending on your card, and spent just over $200 per week on average over the course of a year (e.g., for books, tuition, transportation costs, utility bills or groceries), you’d receive a Moneyback reward of over $100 that year – which would be credited to your July VISA statement.
You can also use your card to pay your bills – it’s one of the easiest ways to maximize your Moneyback reward without spending any additional money. It’s like getting a discount on monthly bills you normally have to pay anyway.
Here's how the Moneyback reward program works:
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Annual Net Eligible Purchases
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% Moneyback
Reward
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On the first $500 |
0.25%
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On the next $500 |
0.50%
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On any amount over $1,000 |
1.0%
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Learn How to Boost Your Rewards with ScotiaStar Network®
You can earn up to 10 times the Moneyback reward on every dollar you spend when you shop at hundreds of our ScotiaStar® Partners3. There are no special cards to carry, no coupons and no hassles. Best of all, you even earn up to 10 times Moneyback reward on everything including sale-priced items at ScotiaStar Partners!
Your ScotiaStar Network includes hundreds of retailers and restaurants like XM Satellite Radio, TigerDirect.ca, Zip.ca, Europe Bound, and SimplyConnect (check out their special student cellular phone offers).
Visit www.scotiastar.com for a complete list of ScotiaStar Partners near your campus, on-line, or wherever you like to shop.
Other Benefits You'll Learn About!
- Credit limit of $1,000 to $2,000.
- Up to 21-days interest-free grace period on new purchases.4
- A new “secured” VISA card for students! A secured VISA option is available for Canadian citizens, landed immigrants, and foreign students. Ask a Scotiabank branch for more details.
- Car rental discounts of up to 20% at participating AVIS locations worldwide.
- Pre-authorized payment withdrawal. If you do not make your monthly payment by the payment due date, we can make the minimum payment for you on time providing you’ve given us a bank account number we can take the VISA payment from and you have available funds in that account for the payment. This helps protect your credit rating by keeping your VISA account up-to-date at all times.
- A competitive interest rate of 18.59%¹, still well below that of many retail store/gas cards.
- Optional Scotia VISA Balance Protection.
Learn About Managing Credit and Maintaining a Good Credit Rating
Building a good credit rating now will go a long way to help meet your future financial goals. We encourage you to spend wisely and pay off your balance in full each month by the due date – avoid paying interest if you can. By only spending what you can afford to pay off – you get the most out of your card and earn valuable rewards. Learn more about student banking and managing your finances, or drop by your nearest Scotiabank branch for more information. We'd be happy to help.
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It's Easy to Apply!
