The best student credit cards in Canada
Get matched with the right credit card in under 2 minutes to earn rewards and start building your credit history on the right track.
The best rewards cards for
|Card||Best used for||Annual fee||Rewards|
Food & transit
better choices made
to Canada’s top financial institutions
Cash Back Card
Earn 10% cash back during your first 4 months and 2% when your welcome rate ends.*
No Fee Card
Collect 4% in CT Money‡ at Canadian Tire and 1.5% on your first $12,000 per year in grocery purchases (excludes Costco and Walmart)
Rewards Points Card
Apply now and you could earn up to 30,000 bonus points with the American Express Cobalt™ Card
Mikael Castaldo, Senior Business Manager Everyday Banking
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)
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?
One of the easiest and most straight-forward ways to build credit as a student in college or university is to get a credit card and use it responsibly by making your payments on time (and, ideally, in full). Tell us a bit about yourself and we'll match you with the right card for your needs.
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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.
Travel and Cash
Credit Card Basics
Types of Rewards Credit Cards
- Credit Card Rental Car Insurance
- Trip Cancellation/Interruption Insurance
- Travel Medical Insurance
- Travel Accident Insurance
- Delayed Baggage Insurance
- Lost Luggage Insurance
- Flight Delay Insurance
- Hotel/Motel Burglary Insurance
- Purchase Security Insurance
- Price Protection Insurance
- Extended Warranty Insurance