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Find the best student credit cards without impacting your credit score

Apply with confidence. In under 60 seconds, CardFinder narrows down your top matches without impacting your credit score, no SIN required.

Compare the best student credit cards

The best rewards cards for
  • all reward types
  • cash back
  • store credit
  • travel
with
  • any annual fee
  • no annual fee
CardBest used forAnnual feeRewards
BMO eclipse Visa Infinite* Card
Purchase interest: 20.99%, Cash advance: 23.99%, Balance transfer: 23.99%

Food & transit

$120

  • 5 pts/$1 for gas, groceries, restaurants
  • 1 pts/$1 for other
Featured
BMO® CashBack® Mastercard® - Student
Purchase interest: 19.99%, Cash advance: 22.99%, Balance transfer: 22.99%

Groceries

$0

  • 3% groceries
  • 1% bills
  • 0.5% other
Featured
BMO AIR MILES® Mastercard® - Student
Purchase interest: 22.99%, Cash advance: 22.99%, Balance transfer: 22.99%

$0

  • 0.05 pts/$1 for other
Featured
Plastk Student Secured Visa Rewards Credit Card
Purchase interest: 17.99%, Cash advance: 21.99%, Balance transfer: 17.99%

$120

  • 1% all purchases

Why use CardFinder

  • CardFinder has no impact on your credit score, no SIN required

  • Industry-standard protection

  • Match with cards you're most likely to qualify for

  • Your information is encrypted & never shared

Our top picks

Ratehub's top credit card picks

Student credit cards FAQ

What is the best student credit card in Canada?

Why should I get a student credit card?

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

What should I consider before getting a student credit card?

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Find the best credit cards without impacting your credit score

Apply with confidence. In under 60 seconds, CardFinder narrows down your top matches without impacting your credit score, no SIN required.

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How can I get a student credit card?

Wondering how to find and apply for a student credit card? Scroll further up and use our tool, then click your chosen card to apply. As a student, your credit score probably isn't that impressive yet, so keep that in mind when applying. And remember to look for a card with low interest. See our blog about how credit card interest works for more information (although be warned, it's a lot to read!) so you can pay off your debt with fewer hassles.

What kind of credit card should a student get?

Banks love to lure in students with all kinds of flashy sign-up bonuses and incentives (which are usually temporary), but remember to avoid getting taken in and keep focused on a card with these basic elements:

  • Low interest rate
  • No annual fee
  • Cash back (to help with expenses)

Summary (+/-)

About Ratehub.ca

We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.

How does Ratehub.ca make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.