Best Student Credit Cards in Canada

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. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. 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. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. 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. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. 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. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account.
Monthly spending by category
Monthly spending by category

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Credit card Purchase Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.99% $120 $ Get details
19.8% $0 $ Get details
19.99% $99 $915 Get details
19.9% $0 $ Get details
19.99% $0 $299 Get details
19.99% $120 $262 Get details
19.99% $130 $297 Get details
19.99% $99 $101 Get details
19.9% $110 $ Get details
19.99% $99 $510 Get details
19.97% $0 $180 Get details
19.99% $65 $ Get details
19.99% $65 $357 Get details
30% $250 $180 Get details
30% $699 $26 Get details
30% $499 $351 Get details
19.99% $150 $474 Get details
19.99% $99 $421 Get details
19.99% $0 $108 Get details
19.99% $0 $175 Get details
19.99% $0 $127 Get details
19.99% $99 $ Get details
19.9% $0 $25 Get details
19.99% $0 $190 Get details
30% $399 $-174 Get details
19.99% $0 $ Get details
19.99% $89 $371 Get details
19.99% $79 $ Get details
19.99% $0 $155 Get details
30% $120 $540 Get details
19.99% $150 $617 Get details
19.8% $75 $115 Get details
19.99% $0 $0 Get details
19.99% $120 $432 Get details
19.8% $0 $ Get details
19.99% $0 $108 Get details
19.99% $0 $ Get details
19.9% $50 $130 Get details
19.99% $29 $ Get details
19.9% $30 $ Get details
19.99% $0 $90 Get details
19.99% $0 $325 Get details
30% $180 $-35 Get details
19.99% $0 $169 Get details
19.99% $0 $180 Get details
19.99% $0 $90 Get details
19.99% $0 $405 Get details
19.99% $120 $727 Get details
19.9% $0 $ Get details
19.99% $35 $145 Get details
19.9% $130 $140 Get details
19.99% $0 $161 Get details
19.99% $0 $ Get details
19.9% $42 $ Get details
19.99% $0 $90 Get details
19.99% $150 $370 Get details
19.99% $125 $145 Get details
19.97% $0 $180 Get details
19.99% $39 $249 Get details
19.97% $0 $ Get details
19.99% $125 $145 Get details
19.99% $39 $191 Get details
19.99% $0 $402 Get details
19.99% $110 $120 Get details
19.99% $399 $190 Get details
19.99% $99 $246 Get details
19.99% $120 $470 Get details
19.89% $0 $195 Get details
19.95% $0 $243 Get details
19.99% $99 $441 Get details
19.99% $99 $ Get details
16.5% + prime $0 $ Get details
10.9% $50 $ Get details
30% $150 $532 Get details
19.99% $0 $231 Get details
19.99% $120 $412 Get details
19.99% $39 $266 Get details
19.99% $0 $152 Get details
19.99% $89 $201 Get details
19.99% $120 $582 Get details
19.99% $399 $0 Get details
19.99% $120 $435 Get details
19.9% $110 $ Get details
19.99% $120 $ Get details
19.99% $0 $180 Get details
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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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