Best student credit cards in Canada
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11M
Readers
150+
Reviews
1,000+
Metrics
Partners on this page may provide us earnings.
Getting a student credit card is a great way to educate and reward students—without the income and credit score requirements of regular credit cards. Here's our expert-picked top 3 list for 2025.
Building strong credit early is essential for your financial future as a young adult. In Canada, the best student credit cards cater to both domestic and international students, offering perks such as cash back, travel rewards, and discounts—ideal for those with little to no income.
Here's our list (part of our larger best credit cards in Canada list and awards) and tips on how to make your pick. For more options, you can also try our credit card comparison tool.
up to 7,000 points†
Welcome Bonus
$506
First Year Value
$456
Annual Value
Welcome Bonus: Get up to 7,000 Avion points^ - that’s up to $50 of value in gift cards!†
Get this card if you...
Annual Fee & Annual Interest Rates
$48
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The RBC ION+ Visa is a rewards credit card offering elevated Avion points on categories such as groceries, dining, gas, rideshare, public transit, EV charging, streaming services, digital gaming, and online subscriptions, with a standard earn rate on all other purchases. Cardholders benefit from a welcome bonus, mobile device insurance, and savings on fuel at Petro-Canada; however, the card carries a modest annual fee, which is waived for students with an RBC Advantage Banking account.
Eligibility
Good (620 - 670)
Recommended Credit Score
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$48
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
$5
Cash Advance
Rewards Avion Premium
3
Avion points† per $1 on qualifying grocery, dining, food delivery, gas, rideshare, public transit, EV charging, streaming, digital gaming and online subscriptions
1
Avion point per $1 on all other purchases
Insurance Benefits
$1,000
Mobile device insurance amount
Get up to 7,000 Avion points^ - that’s up to $50 of value in gift cards!†
Get 3,500 Welcome Points and earn 3,500 bonus points when you spend $500 in your first 3 months.^
Our Take
The RBC ION+ Visa is a rewards credit card offering elevated Avion points on categories such as groceries, dining, gas, rideshare, public transit, EV charging, streaming services, digital gaming, and online subscriptions, with a standard earn rate on all other purchases. Cardholders benefit from a welcome bonus, mobile device insurance, and savings on fuel at Petro-Canada; however, the card carries a modest annual fee, which is waived for students with an RBC Advantage Banking account.
Eligibility
Good (620 - 670)
Recommended Credit Score
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$48
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
$5
Cash Advance
Rewards Avion Premium
3
Avion points† per $1 on qualifying grocery, dining, food delivery, gas, rideshare, public transit, EV charging, streaming, digital gaming and online subscriptions
1
Avion point per $1 on all other purchases
Insurance Benefits
$1,000
Mobile device insurance amount
Get up to 7,000 Avion points^ - that’s up to $50 of value in gift cards!†
Get 3,500 Welcome Points and earn 3,500 bonus points when you spend $500 in your first 3 months.^
Disclosures:
Refer to RBC page for up to date offer terms and conditions.
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800 AIR MILES†
Welcome Bonus
$201
First Year Value
$121
Annual Value
Welcome Bonus: Get 800 AIR MILES Bonus Miles.† Expires Jan 31, 2026
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO AIR MILES®† Mastercard®* for Students is a no-annual-fee credit card tailored for students, enabling them to earn AIR MILES on everyday purchases, with accelerated rates at participating AIR MILES Partners and eligible grocery stores. It offers benefits such as purchase protection and extended warranty, making it a practical choice for students looking to build credit while earning travel rewards.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$0
Annual Fee
Rewards AIR MILES
3x
Earn 3x the Miles for every $25 spent at participating AIR MILES Reward Partners
2x
Earn 2x the Miles for every $25 spent at any eligible grocery store.
2x
Earn twice the AIR MILES at partner stores
Get 800 AIR MILES Bonus Miles‡ (that’s enough for $80 towards purchases with AIR MILES Cash).
800 Bonus Miles will be awarded when you spend $1,000 in net card purchases in the first three (3) months from the Credit Card open date.
Our Take
The BMO AIR MILES®† Mastercard®* for Students is a no-annual-fee credit card tailored for students, enabling them to earn AIR MILES on everyday purchases, with accelerated rates at participating AIR MILES Partners and eligible grocery stores. It offers benefits such as purchase protection and extended warranty, making it a practical choice for students looking to build credit while earning travel rewards.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$0
Annual Fee
Rewards AIR MILES
3x
Earn 3x the Miles for every $25 spent at participating AIR MILES Reward Partners
2x
Earn 2x the Miles for every $25 spent at any eligible grocery store.
2x
Earn twice the AIR MILES at partner stores
Get 800 AIR MILES Bonus Miles‡ (that’s enough for $80 towards purchases with AIR MILES Cash).
800 Bonus Miles will be awarded when you spend $1,000 in net card purchases in the first three (3) months from the Credit Card open date.
up to $100 in value†
Welcome Bonus
$460
First Year Value
$360
Annual Value
Welcome Bonus: Get 3,000 Adapta Points after your first purchase† and roadside assistance. Then earn 3,000 Adapta Points when you spend $1,000 in the first 4 months.
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
Our Take
The CIBC Adapta Mastercard is a no annual fee credit card that adjusts to your spending each month to get you the most rewards possible, automatically. The innovative product is Canada's first credit card that automatically adapts to your spending habits, delivering 50% more points where you shop most.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
$50,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
Fees
$0
Annual Fee
Rewards
1.5
Adapta points for every dollar you spend in your top 3 spend categories each month.
1
for every dollar you spend on all other purchases.
10 cents
Save up to 10 cents per litre on gas at participating gas stations when you link your card with Journie Rewards™
Get up to 6,000 Adapta points during your first year (up to $50 in value):
Receive a Welcome Bonus of 3,000 Adapta Points after your first purchase† (up to $25 value)
Get 3,000 Adapta Points when you spend $1,000 in the first 4 monthly statement periods† (up to $25 value)
Includes membership to roadside assistance after you make your first purchase. Services include battery boosting, gas delivery, towing and more, offered by Dominion Automobile Association ($50 value)
Our Take
The CIBC Adapta Mastercard is a no annual fee credit card that adjusts to your spending each month to get you the most rewards possible, automatically. The innovative product is Canada's first credit card that automatically adapts to your spending habits, delivering 50% more points where you shop most.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
$50,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
Fees
$0
Annual Fee
Rewards
1.5
Adapta points for every dollar you spend in your top 3 spend categories each month.
1
for every dollar you spend on all other purchases.
10 cents
Save up to 10 cents per litre on gas at participating gas stations when you link your card with Journie Rewards™
Get up to 6,000 Adapta points during your first year (up to $50 in value):
Receive a Welcome Bonus of 3,000 Adapta Points after your first purchase† (up to $25 value)
Get 3,000 Adapta Points when you spend $1,000 in the first 4 monthly statement periods† (up to $25 value)
Includes membership to roadside assistance after you make your first purchase. Services include battery boosting, gas delivery, towing and more, offered by Dominion Automobile Association ($50 value)
15,152 points†
Welcome Bonus
$253
First Year Value
$203
Annual Value
Welcome Bonus: Earn a value of $50† in TD Rewards Points† to use on eligible Amazon.ca purchases. Conditions Apply. Offer effective as of January 7, 2025.
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD Rewards Visa* Card is a no-annual-fee credit card offering TD Rewards Points on everyday purchases, with elevated rates for travel booked through Expedia® For TD, as well as on groceries, dining, and recurring bill payments. Cardholders benefit from flexible redemption options, including travel, merchandise, and statement credits.
Eligibility
Excellent (740+)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards TD Rewards
4 Points
Earn 4 TD Rewards Points for every $1 you spend on travel through ExpediaForTD.com†
3 Points
Earn 3 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit†
2 Points
Earn 2 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
1 Points
Earn 1 TD Rewards Point for every $1 you spend on all other purchases†
50%
Earn 50% more TD Rewards Points and 50% more Stars at Starbucks†
Insurance Benefits
$1,000
Mobile device insurance amount
Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) when you spend $500 within 90 days of Account opening†. Conditions apply. Offer effective as of January 7, 2025.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Our Take
The TD Rewards Visa* Card is a no-annual-fee credit card offering TD Rewards Points on everyday purchases, with elevated rates for travel booked through Expedia® For TD, as well as on groceries, dining, and recurring bill payments. Cardholders benefit from flexible redemption options, including travel, merchandise, and statement credits.
Eligibility
Excellent (740+)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards TD Rewards
4 Points
Earn 4 TD Rewards Points for every $1 you spend on travel through ExpediaForTD.com†
3 Points
Earn 3 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit†
2 Points
Earn 2 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
1 Points
Earn 1 TD Rewards Point for every $1 you spend on all other purchases†
50%
Earn 50% more TD Rewards Points and 50% more Stars at Starbucks†
Insurance Benefits
$1,000
Mobile device insurance amount
Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) when you spend $500 within 90 days of Account opening†. Conditions apply. Offer effective as of January 7, 2025.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Disclosures:
†Terms and conditions apply.
This offer is not available to residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
0% intro rate
Welcome Bonus
$271
First Year Value
$171
Annual Value
Welcome Bonus: Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases); Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0). Expires Oct 31, 2025
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Momentum® No-Fee Visa* Card is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for spending at gas stations, grocery stores, drug stores, and on recurring bill payments. It also routinely comes with a generous welcome bonus.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
0.00%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
1%
Cash back at gas stations, grocery stores, drugs stores, and on recurring payments.
0.5%
Cash back on all other eligible purchases.
25%
Off base rates at Avid and Budget locations in North America.
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases); Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).
The 5% Cash Back and Introductory 0% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotiabank Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by October 31, 2025 and is subject to the terms and conditions. All other terms and conditions of the Program Terms continue to apply during the Offer Period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Our Take
The Scotiabank Momentum® No-Fee Visa* Card is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for spending at gas stations, grocery stores, drug stores, and on recurring bill payments. It also routinely comes with a generous welcome bonus.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
0.00%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
1%
Cash back at gas stations, grocery stores, drugs stores, and on recurring payments.
0.5%
Cash back on all other eligible purchases.
25%
Off base rates at Avid and Budget locations in North America.
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases); Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).
The 5% Cash Back and Introductory 0% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotiabank Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by October 31, 2025 and is subject to the terms and conditions. All other terms and conditions of the Program Terms continue to apply during the Offer Period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Disclosures:
up to 5,000 points
Welcome Bonus
$428
First Year Value
$378
Annual Value
Welcome Bonus: Earn up to 5,000 bonus Scene+ points within your first 3 months. Expires Oct 31, 2025
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank® Scene+™ Visa* Card is a no-annual-fee credit card designed for individuals who spend less than $10,000 annually, including students and those seeking to redeem rewards frequently without significant spending. It offers Scene+ points on everyday purchases, with elevated rates at Cineplex theatres and select grocery stores, making it ideal for moviegoers and frequent shoppers at participating retailers.
Eligibility
Good (620 - 670)
Recommended Credit Score
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards Scene+
2x
Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Earn up to 5,000 bonus Scene+ points within your first 3 months.
To qualify for these offers make sure to open a new Scotiabank Scene+ Visa credit card account (“Account”) between March 3, 2025 and October 31, 2025.
To qualify for the 5,000 bonus Scene+ points offer:
1. Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months.
2. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months.
Once you qualify, we’ll credit your account in 2 instalments:
1. 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $250 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. An additional 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 2,500 Point Bonus and the Additional 2,500 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions for full details.
Our Take
The Scotiabank® Scene+™ Visa* Card is a no-annual-fee credit card designed for individuals who spend less than $10,000 annually, including students and those seeking to redeem rewards frequently without significant spending. It offers Scene+ points on everyday purchases, with elevated rates at Cineplex theatres and select grocery stores, making it ideal for moviegoers and frequent shoppers at participating retailers.
Eligibility
Good (620 - 670)
Recommended Credit Score
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards Scene+
2x
Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Earn up to 5,000 bonus Scene+ points within your first 3 months.
To qualify for these offers make sure to open a new Scotiabank Scene+ Visa credit card account (“Account”) between March 3, 2025 and October 31, 2025.
To qualify for the 5,000 bonus Scene+ points offer:
1. Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months.
2. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months.
Once you qualify, we’ll credit your account in 2 instalments:
1. 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $250 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. An additional 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 2,500 Point Bonus and the Additional 2,500 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions for full details.
Disclosures:
up to 10,000 points
Welcome Bonus
$565
First Year Value
$365
Annual Value
Welcome Bonus: Join and get up to $200 in value in your first year!† Earn 10,000 Aeroplan points!†
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The CIBC Aeroplan® Visa Card is a no-annual-fee credit card that allows cardholders to earn Aeroplan points on everyday purchases, with accelerated rates for eligible gas, electric vehicle charging, groceries, and direct Air Canada purchases. While it offers benefits such as purchase security, extended protection, and auto rental collision/loss damage insurance, it does not include travel insurance or lounge access.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$15,000
Required Annual Household Income
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
25.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aeroplan
1 point
for every $1 you spend on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 point
for every $1.50 you spend on all other purchases.
2x
Earn points twice at over 150 Aeroplan partners and over 170 online retailers through the Aeroplan eStore.
Insurance Benefits
$100,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get a total of up to 10,000 Aeroplan points (up to $200 in travel value†):
2,500 Aeroplan points when you make your first purchase†.
2,500 Aeroplan points when you spend $3,000 or more during the first 4 monthly statements periods†.
5,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
Our Take
The CIBC Aeroplan® Visa Card is a no-annual-fee credit card that allows cardholders to earn Aeroplan points on everyday purchases, with accelerated rates for eligible gas, electric vehicle charging, groceries, and direct Air Canada purchases. While it offers benefits such as purchase security, extended protection, and auto rental collision/loss damage insurance, it does not include travel insurance or lounge access.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$15,000
Required Annual Household Income
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
25.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aeroplan
1 point
for every $1 you spend on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 point
for every $1.50 you spend on all other purchases.
2x
Earn points twice at over 150 Aeroplan partners and over 170 online retailers through the Aeroplan eStore.
Insurance Benefits
$100,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get a total of up to 10,000 Aeroplan points (up to $200 in travel value†):
2,500 Aeroplan points when you make your first purchase†.
2,500 Aeroplan points when you spend $3,000 or more during the first 4 monthly statements periods†.
5,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
Disclosures:
$20 sign-up bonus
Welcome Bonus
$68
First Year Value
$48
Annual Value
Welcome Bonus: Get a 30-day free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.
Get this card if you...
Annual Fee & Annual Interest Rates
$48
Annual Fee
0%
Purchase
0%
Cash Advance
Our Take
The KOHO Prepaid Mastercard® is a reloadable card paired with a mobile app, offering features such as cash back on purchases, interest on account balances, and budgeting tools to help users manage their finances effectively. It provides options for credit building and has tiered plans to cater to different financial needs, making it a versatile alternative to traditional credit cards.
Eligibility
Poor (up to 299)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
0%
Purchase
0%
Cash Advance
Fees
$48
Annual Fee
1.50%
Foreign Transaction
Rewards cash back
1%
cash back on groceries, eating & drinking, and transportation
50%
extra cash back from select merchants
2.5%
interest on both your spending and savings account (Your funds will also be eligible for CDIC insurance)
0%
Get access to a cash advance of up to $250 at 0% interest with Cover.
30-day trial
All KOHO plans come with a free 30-day trial so you can see if it suits you.
Get 30 days of free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.
Only the users who successfully register a new KOHO account and make their first $20 purchase using their KOHO card within 30 days of registration are eligible for the offer and may claim the one-time $20 bonus in their KOHO account. This offer is non-transferable and may only be used once per person. Offer is not applicable in conjunction with other KOHO offers or promotions. KOHO may, at its sole discretion, suspend, terminate or change the terms and requirements of the offer.
Our Take
The KOHO Prepaid Mastercard® is a reloadable card paired with a mobile app, offering features such as cash back on purchases, interest on account balances, and budgeting tools to help users manage their finances effectively. It provides options for credit building and has tiered plans to cater to different financial needs, making it a versatile alternative to traditional credit cards.
Eligibility
Poor (up to 299)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
0%
Purchase
0%
Cash Advance
Fees
$48
Annual Fee
1.50%
Foreign Transaction
Rewards cash back
1%
cash back on groceries, eating & drinking, and transportation
50%
extra cash back from select merchants
2.5%
interest on both your spending and savings account (Your funds will also be eligible for CDIC insurance)
0%
Get access to a cash advance of up to $250 at 0% interest with Cover.
30-day trial
All KOHO plans come with a free 30-day trial so you can see if it suits you.
Get 30 days of free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.
Only the users who successfully register a new KOHO account and make their first $20 purchase using their KOHO card within 30 days of registration are eligible for the offer and may claim the one-time $20 bonus in their KOHO account. This offer is non-transferable and may only be used once per person. Offer is not applicable in conjunction with other KOHO offers or promotions. KOHO may, at its sole discretion, suspend, terminate or change the terms and requirements of the offer.
KOHO has 3 credit card tiers, all of them are prepaid meaning you have to put money on the card to use it.
These come with the following benefits:
10% cash back
Welcome Bonus
$484
First Year Value
$384
Annual Value
Welcome Bonus: Earn 10% cash back for 2 months† (up to $100). Expires Aug 31, 2025
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
Our Take
The Tangerine Money-Back Credit Card is a no-annual-fee cash back card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opening a Tangerine Savings Account and directing cash back earnings there, a third higher rate cash back category can be added. Additional benefits include purchase assurance and extended warranty protection, with cash back rewards automatically applied monthly.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Annual Interest Rates
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
24.95%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
Rewards cash back
2%
Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)
3
Get a Tangerine Savings account and add a 3rd 2% cash back category.
0.5%
Earn 0.50% on all your other everyday purchases.
Earn 10% cash back for 2 months† (up to $100).
Our Take
The Tangerine Money-Back Credit Card is a no-annual-fee cash back card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opening a Tangerine Savings Account and directing cash back earnings there, a third higher rate cash back category can be added. Additional benefits include purchase assurance and extended warranty protection, with cash back rewards automatically applied monthly.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Annual Interest Rates
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
24.95%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
Rewards cash back
2%
Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)
3
Get a Tangerine Savings account and add a 3rd 2% cash back category.
0.5%
Earn 0.50% on all your other everyday purchases.
Earn 10% cash back for 2 months† (up to $100).
bonus 5% back
Welcome Bonus
$438
First Year Value
$338
Annual Value
Welcome Bonus: Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The SimplyCash® Card from American Express is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for eligible gas and grocery store purchases in Canada, up to a specified annual limit. Cardholders benefit from purchase protection and extended warranty coverage.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
$45
Return Penalty
Rewards cash back
2%
cash back on eligible gas station purchases in Canada
2%
cash back on eligible grocery store purchases in Canada (up to $300 cash back annually)
1.25%
cash back on all other purchases
Insurance Benefits
$100,000
Travel accident insurance amount
Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).
That’s on top of your everyday cash back earn rates.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The SimplyCash® Card from American Express is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for eligible gas and grocery store purchases in Canada, up to a specified annual limit. Cardholders benefit from purchase protection and extended warranty coverage.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
$45
Return Penalty
Rewards cash back
2%
cash back on eligible gas station purchases in Canada
2%
cash back on eligible grocery store purchases in Canada (up to $300 cash back annually)
1.25%
cash back on all other purchases
Insurance Benefits
$100,000
Travel accident insurance amount
Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).
That’s on top of your everyday cash back earn rates.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Disclosures:
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
Student credit cards are a great way for undergraduates to build credit while getting their degree. But student cards aren't exactly the same as any other rewards, balance transfer or other regular type of credit card:
Lower credit score required: Because student cards are for students, they have simpler credit score requirements that make them easier to access. This lower eligibility requirement makes student cards a great option for those who want to build a positive credit history but don't want to be tied to a secured credit card that requires a cash deposit to open.
Smaller credit limits: Student cards typically have lower credit limits than regular credit cards from the same bank or issuer, which may restrict your overall purchasing power. These reduced credit lines help students gain experience with credit at a much lower risk level but might impact your available credit for larger purchases like textbooks, each semester.
10,000 points*
Welcome Bonus
$340
First Year Value
$240
Annual Value
Welcome Bonus: Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Disclosures:
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
Apply for a student credit card as soon as possible. Use it responsibly and grow your credit score to give yourself a financial step up. Applying for a credit card as a student might be daunting but it’s one of the smartest decisions you can make to help you get ahead and build credit. Student credit cards are fantastic tools to help manage your college/university and day-to-day expenses. Plus, many of these credit cards also come with perks like rewards or cash back. But, you do have to be careful. A credit card comes with a lot of responsibility that can have a big impact for many years to come. However, when used responsibly and correctly, a student credit card will teach you a lot about personal finances and help set you up for a stronger financial future.
Read: How do student loans affect your credit score?
Applying for a student credit card is simple. As long as you have what you need ready to go, this process should run smoothly. Here’s a step by step look at how to apply for a student credit card:
In short, yes, you can apply for a student credit card without a job. Some credit card providers may require proof of income along with your application (which will be verified with the credit bureau), but if you don’t have full- or part-time work, you can provide them with an alternate form of income to prove you’d be able to pay off any accumulated expenses. This may come from a student loan, personal savings, or help from a parent or guardian.
Yes! There are currently five financial institutions that offer up to $1,000 of credit to newly arrived international students: BMO, Scotiabank, CIBC, RBC and HSBC. And while TD Canada does offer credit to international students, they will only offer secured credit cards (credit cards with a security deposit) to students who have just arrived in Canada.
The Scotiabank® Scene+™ Visa* Card, the Tangerine Money-Back Credit Card, and the BMO CashBack® Mastercard®* for students are the easiest cards to get approved for as a student. Plus, none of these cards have an annual fee.
Being a student means you’re already busy enough with things like academics, extracurriculars and networking. Worrying about your finances is a stress you don’t need to add to the list. By choosing a credit card that suits your lifestyle and personal finances you can reap some great rewards and discounts, save yourself some money and focus on hitting the books!
You’ll also have peace of mind knowing that you don’t need to worry about switching your credit card until after you’re done with school—and even then, you have options for your student credit card after you graduate.
If you’re buying your own course books, spending money on groceries, or buying a monthly public transit pass, there’s no reason you shouldn’t be earning rewards on each purchase with a credit card. A student card can help you build credit and practice financial responsibility. And trust me, post-graduate you will thank yourself when tackling things like car leases, mortgages, rental housing and retail financing is made easier by the credit you built using your student credit card.
Em Norton is a Staff Writer for Money.ca. Em holds a B.A. in Professional Writing from York University and has been writing professionally since 2019. Em's work has previously been published by Room Magazine, IN Magazine, Our Canada and more.
Jack has an undergraduate degree in journalism from Carleton University and a master's of Urban Planning from Toronto Metropolitan University. Over the years Jack has written for not-for-profits like World Vision and WE Charity, shot video content for accelerators like Techstars, and co-authored urban planning papers with organizations such as Parkdale's Neighbourhood Land Trust. Jack currently specializes in real estate and investing news.
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