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Student credit cards
Build your credit history, earn rewards, and take advantage of special offers, all while focusing on school.
Get rewarded with the Scene+TM Student Banking Bundle
Earn up to $400* in value when you bundle your banking.
Choose the credit card that’s right for you
If you’re a Canadian citizen or permanent resident, you can apply online within minutes.
If you’re an international student, book an in-person appointment to apply.
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Value the rewards and benefits that can be earned with this Card
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer cash back rewards
- Prefer a card with certain embedded insurance benefits
STUDENT
Scotiabank® Scene+TM Visa* Card (for students)
Earn up to 5,000 bonus Scene+ points within your first 3 months.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases
- Value the rewards and benefits that can be earned with this Card
- Interested in building your credit history if you make at least your minimum payments on time each month
- Want an interest-free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
STUDENT
Scotia Momentum® No-Fee Visa* Card (for students)
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2
Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest-free grace period on purchases'
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer other types of rewards available with our other Cards
STUDENT
Scotia Momentum® Visa* Card (for students)
Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).2
Annual fee: $39
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases
- Value the rewards and benefits that can be earned with this Card
- Interested in building your credit history if you make at least your minimum payments on time each month
- Want an interest -free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
STUDENT
Scotiabank American Express® Card (for students)
Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).4
Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more.
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Would like the option of paying an annual fee to receive a lower interest rate
- Usually carry a balance on your card (consistently each month)
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer cash back or reward points
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
STUDENT
Scotiabank Value® Visa* Card (for students)
Save up to hundreds of dollars a year on interest.1
0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29).2 Plus no annual fee in the first year.2
Annual fee: $29
Interest rates: 13.99% purchases / 13.99% cash advances
Plan for success with the Student Hub
The best path forward to financial tips, tools, and advice to help students manage their money better.
Plan today for a secure tomorrow
Scotia Credit Card Protection
Help prepare for any kind of trip
with Scotia Travel Insurance
Frequently asked questions
ScotiaLine® Personal Line of Credit for Students
A tailored way to borrow money for school with flexible repayment options and competitive interest rates.
Do more with your card
Value of up to $400 in welcome bonuses and point value with the Scene+™ Student Banking Bundle includes $175 cash and up to 22,500 in bonus Scene+ points (valued at up to $225) as follows:
- $175 cash offer for new Preferred Package for Students and Youth customers
- 7,500 Scene+ points ($75 value) for new Scotiabank American Express® Card customers
- 2,500 Scene+ points ($25 value) for new customers who combine the products above with a new Money Master Savings Account
- 12,500 Scene+ points ($125 value) when you bundle all 3 of the above accounts and complete certain qualifying transactions
Conditions apply. Please see Scotiabank® Scene+TM Bundle for Students Offer.