Compare Student Credit Cards

One of the easiest ways a student can start to build credit is by using a student credit card throughout post-secondary. These no (or low) fee credit cards offer the best credit solution to students on a budget. Here’s a list of the best student credit cards in Canada.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks.
Monthly spending by category
Monthly spending by category

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Credit card Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $155 Get details
19.97%
bal. trans.: 22.97%
cash adv.: 22.97%
$0 $180 Get details
19.97%
bal. trans.: 22.97%
cash adv.: 22.97%
$0 $180 Get details
19.89%
bal. trans.: 21.49%
cash adv.: 21.49%
$0 $195 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $216 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$0 $50 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $225 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$99 $421 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$39 $249 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$35 $145 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $135 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$120 $412 Get details
19.99%
cash adv.: 21.99%
$0 $175 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$39 $191 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $161 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$19 $161 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$120 $262 Get details
19.99%
bal. trans.: 19.99%
cash adv.: 19.99%
$120 $530 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$120 $435 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 24.99%
$0 $90 Get details
19.99%
cash adv.: 22.99%
$89 $201 Get details
19.99%
cash adv.: 22.99%
$399 $190 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$19 $161 Get details
19.8%
bal. trans.: 19.8%
cash adv.: 19.8%
$65 $115 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 24.99%
$0 $ Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$0 $152 Get details
19.8%
bal. trans.: 19.8%
cash adv.: 19.8%
$0 $ Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$99 $246 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$29 $147 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$39 $266 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$0 $167 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 24.99%
$0 $190 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$0 $90 Get details
30% $399 $-174 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$0 $127 Get details
30% $180 $-35 Get details
19.99% $0 $325 Get details
30% $150 $508 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 24.99%
$0 $200 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$0 $320 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$150 $474 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$0 $169 Get details
19.8%
bal. trans.: 19.8%
cash adv.: 19.8%
$0 $ Get details
30% $699 $26 Get details
30% $120 $540 Get details
19.75%
bal. trans.: 21.99%
cash adv.: 21.99%
$0 $382 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$65 $292 Get details
30% $499 $351 Get details
30% $250 $180 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $180 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $180 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$39 $299 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$120 $470 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$110 $120 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $108 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$79 $ Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$65 $ Get details
19.75%
bal. trans.: 21.99%
cash adv.: 21.99%
$79 $338 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$99 $538 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $ Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$120 $ Get details
19.99%
bal. trans.: 19.99%
cash adv.: 19.99%
$0 $190 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$0 $ Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $108 Get details
19.9%
bal. trans.: 19.9%
cash adv.: 21.9%
$110 $ Get details
19.99%
bal. trans.: 21.99%
cash adv.: 24.99%
$89 $371 Get details
19.97%
bal. trans.: 22.97%
cash adv.: 22.97%
$0 $ Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$150 $510 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$99 $605 Get details
19.99%
bal. trans.: 21.5%
cash adv.: 21.5%
$29 $ Get details
19.99%
bal. trans.: 19.99%
cash adv.: 19.99%
$0 $200 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $90 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$99 $81 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $0 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$99 $101 Get details
17% + prime
bal. trans.: 19.7%
cash adv.: 19.7%
$0 $ Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$120 $ Get details
19.8%
bal. trans.: 19.8%
cash adv.: 19.8%
$150 $ Get details
19.99%
cash adv.: 21.99%
$120 $727 Get details
19.99%
bal. trans.: 21.99%
cash adv.: 21.99%
$150 $ Get details
19.95%
cash adv.: 19.95%
$0 $ Get details
12.9%
bal. trans.: 12.9%
cash adv.: 12.9%
$0 $ Get details
19.9%
bal. trans.: 19.9%
cash adv.: 21.9%
$111 $ Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$120 $570 Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$99 $ Get details
17.9%
bal. trans.: 17.9%
cash adv.: 17.9%
$0 $ Get details
12.9%
bal. trans.: 12.9%
cash adv.: 12.9%
$0 $ Get details
19.9%
bal. trans.: 19.9%
cash adv.: 21.9%
$42 $ Get details
19.99%
bal. trans.: 22.99%
cash adv.: 22.99%
$0 $ Get details
19.9%
cash adv.: 19.9%
$0 $ Get details
19.9%
cash adv.: 19.9%
$0 $ Get details
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% + prime
bal. trans.:
cash adv.:
%
% after months
int. rate:
cash adv.:
 thereafter
after months
Get details

If you need any help comparison shopping, read our frequently asked questions below:

Why should I get a student credit card?

Student credit cards are the best tool you can use to establish your credit history, which, in turn, will help prepare you for a number of responsibilities you’ll have later in life, such as renting an apartment, financing a vehicle and eventually buying a home. The bonus: Student credit cards typically come with no (or low) annual fees, as well as low credit limits, making it accessible for you to make purchases, establish your credit history and build good money managing habits.


What is the best way to use a student credit card?

The main purpose of a student credit card is to establish and build up your credit history, so it’s important to use the card responsibly. First, never spend more and go over your credit limit (which will typically be $500-$1,000 with most cards). Second, pay your bill on time each month – and, preferably, the entire balance, not just the minimum payment. Finally, if you think you’ll want to eventually switch to a rewards credit card, slowly start paying for more and more of your everyday expenses (up to how much you can afford to repay each month). Once you feel comfortable, or if you’re experienced with budgeting and managing money, you could pay for all of your purchases with your credit card, but only if you know you can afford to pay the full balance.


What should I consider before getting a student credit card?

Before you get a student credit card, you should make sure you’re ready to use your card responsibly. It’s all too easy to rack up credit card debt, or worse – miss a payment and damage your credit. If you’re prepared to be responsible with your credit card, you should also consider that student credit cards have high interest rates on outstanding balances and cash advances, and usually come with fewer rewards and benefits than standard credit cards. Before making the decision, you should read more about student credit cards on our website, including how you can use them to build a strong credit history.


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