Best Student Credit Cards in Canada
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By CardFinder Editorial Team Affiliate Disclosure
Student credit cards are designed for post-secondary students who are new to credit. They typically have no annual fee, lower credit requirements, and features that help students build a credit history. Here are the best options for Canadian students.
Top 3 Cards
Best for Students
BMO SPC CashBack Mastercard
MastercardBMO · No annual fee
studentno-feecashback
Pros
- +No annual fee
- +Free SPC student discount membership
- +3% cashback on groceries
Cons
- –Low base earn rate
- –Limited perks beyond SPC
Scotiabank Scene+ Visa Card
VisaScotiabank · No annual fee
no-feeentertainmentnewcomersstudent
Pros
- +No annual fee
- +5x at Cineplex theatres
- +Scene+ redeemable at Sobeys/FreshCo
Cons
- –Only 1x earn rate on most purchases
- –Low point value
RBC Rewards+ Visa Card
VisaRBC · No annual fee
no-feestudentsnewcomerspoints
Pros
- +No annual fee
- +RBC Rewards points ecosystem
- +Available to students and newcomers
Cons
- –Low earn rate
- –Points less flexible than cashback
Quick Comparison
| Card | Annual Fee | Network | Groceries | Gas | Dining | Travel | Welcome Bonus | |
|---|---|---|---|---|---|---|---|---|
| BMO SPC CashBack Mastercard | No annual fee | mastercard | 3x | 0.5x | 0.5x | 0.5x | — | Apply |
| Scotiabank Scene+ Visa Card | No annual fee | visa | 1x | 1x | 1x | 1x | — | Apply |
| RBC Rewards+ Visa Card | No annual fee | visa | 1x | 1x | 1x | 1x | — | Apply |
How We Chose These Cards
We focused on cards that are accessible to students with limited credit history, charge no annual fee, and offer meaningful rewards on student-friendly spending categories like groceries and transit.
We rank cards based on category fit, fees, and commonly used perks. Learn more about our methodology.
Frequently Asked Questions
Related Resources
Offers and terms can change. Always confirm details on the issuer's website before applying. We are not a bank.