Trusted by More than 2,000,000 Canadians since 2016
Student credit cards aren't special – they're just regular cards with lower limits and fewer features, but that's exactly what you need to build credit before graduation. The BMO CashBack Student Mastercard leads with 3% on groceries, flexible cashback redemption from just $1, and no income requirements, while Tangerine lets you pick your own 2% categories that change with your life (restaurants one semester, transit the next). Whether you grab the Scotiabank SCENE+ for movie rewards that became something more, TD's 3% on fast food (they know you're eating McDonald's at 2am), or RBC ION+ that actually rewards Netflix and Uber, the key is simple: use it for everything, pay it off completely every month, and graduate with a 700+ credit score instead of just a degree.
