Best Student Credit Cards Canada

If your annual income is at least $15,000…

Then you qualify for the Tangerine Money-Back Credit Card.

Tangerine Money-Back Credit Card

tangerine credit card

Apply Now

on Tangerine's website

Welcome Offer: choose up to 3 categories and receive a 4% cash back on those for the first 3 months.

Earn Rate: 2% cash back on your selected categories, and 0.5% on everything else.

Annual Fee: $0

Min. Income Required: Personal $15,000

This card gives you 2% Money-back rewards on any two of the 10 available money-back categories of your choice. Your options include grocery, furniture, restaurants, hotel, gas, drug store, home improvement, entertainment, and public transportation and parking. The rewards are credited to your account automatically and are ready for withdrawal every month. You can redeem the earning to your savings account or use it to pay off your credit balance.

If your annual income is below $15,000…

Then sign up to the BMO student cards for either Cash Back or Travel rewards

BMO® CashBack® MasterCard®*(Student)

bmo cashback mastercard

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on BMO's website

Welcome Offer: 5% cash back in your first 3 months + 1.99% introductory interest rate on balance transfers for 9 months with a 1% transfer fee.

Earn Rate: Get 3% cash back on grocery purchases, 1% cash back on recurring bill payments, 0.5% cash back on all other purchases.

Annual Fee: $0

Min. Income Required: None

BMO® AIR MILES®† MasterCard®* (Student)

bmo air miles mastercard

Apply Now

on BMO's website

Welcome Offer: Get 950 AIR MILES Bonus Miles!* That’s enough for $100 towards purchases with AIR MILES Cash.

Earn Rate: Get 5x the Miles at Shell until December 31, 2020. Get 2x Miles for every $20 spent at participating AIR MILES Partners. Get 1 Mile for every $20 spent everywhere else.

Annual Fee: $0

Min. Income Required: None

Both cards have zero annual fees and offer the highest earn rates of any student card in Canada with no annual fees.

SUMMARY: All 3 cards have ZERO annual fees. However, to be approved for the Tangerine Credit Card, you must have an annual income of at least $15,000.

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