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Under 21s

Finding the best under 21's credit cards in Canada means looking for cards that don't penalize you for being young. The right cards offer no annual fees, low or zero income requirements, and practical rewards that match student spending patterns. Whether you're building credit from scratch or earning cash back on groceries and entertainment, we've compared the cards that actually approve under 21s and help establish the credit history you'll need for your financial future.

Students BMO CashBack Mastercard
  • Annual Fee$0
  • Purchase APR21.99%
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