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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
  • 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


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



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


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


  • 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?

education centre

Have your credit card questions answered with our education centre

Find your perfect credit card in under 60 seconds - No SIN required

  1. Tell us a bit about yourself

    Answer some questions so we can personalize our recommendations - this won't impact your credit score

  2. Check your eligibility

    We confirm your eligibility with our partner, TransUnion. This will be a ‘soft credit check’ which you can see but lenders cannot

  3. Find your perfect matches

    We show you the cards you’re most likely to want and most likely to get

The knowledge bank

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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 (+/-)


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 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.