Best student credit cards in Canada for 2019 award seal

If you’re a student, the age of majority, and have been into your local bank recently, you have probably been offered a student credit card.

As a young adult, now is the perfect time to start building your credit and practicing responsible spending – but why just settle for any card? With one of the top student credit cards in Canada, you’ll get more rewards, perks, and insurance at no additional cost – so why not shop around?

Getting your first credit card is a big deal. Think of it a powerful tool that needs to be handled responsibly. Welcome to adulting.

One of the best times to get a credit card is when you’re a student. Because students are pretty much guaranteed to be approved for a student credit card, it’s a good time to start working on your credit history.

And then there's added benefits…

  • Rewards - Earn cash back, travel, or even movie tickets
  • Discounts - Get discounts and save money. For example, Scotiabank Student cards give you discounts on rental cars, making it easier to travel on spring break.
  • Insurance - Free coverage for shopping and travel. Check out our full list of included insurance coverage on each credit card (check the Insurance Coverage tab after clicking Learn More on a card below).

Whatever your goal is, there is a student credit card out there for you.

Still have some credit card questions you would like to have answered before "taking the plunge?" Be sure to check out our Credit Card FAQ.

Best student credits cards for 2019

Here are some of the best student credit cards that should be closer looked at:

Best student credit card BMO CashBack Mastercard for students
Best student credit card for movie lovers Scotiabank SCENE Visa Card for Students

Review all 10 top student credit cards here.

Best student credit card

Our top rated student card is the .

Why? It offers great cash back rewards, no annual fee, and some purchase insurance as well.

To start, you'll earn 5% cash back in the first 3 months, up until you've earned $100 cash back.

After that, you'll earn 1% on everything else you buy. Plus you can choose when you want your cash back paid out, as long as you've accumulated $50 worth of rewards.

Best student credit card for movie lovers

The is another great student card to consider if you love being in front of the big screen.

With the price of movie theatre popcorn these days, getting a credit card that will help you cut costs on your movie night is never a bad idea.

This card will earn you:

  • a welcome bonus of 1,250 SCENE points (enough for 1 movie ticket),
  • 1 SCENE point for every dollar you spend, as well as
  • 5 SCENE points for every dollar you spend at Cineplex theatres and

With 1,250 points being worth 1 movie ticket, and 1,000 points getting $10 off at and participating restaurants, your next study-break is sure to be a good one.

Prepaid Cards

While they won't help build your credit score, prepaid cards are a good way to learn responsible credit card use.

Since you have to load the card with your own money first, you don't have to worry about spending more money than you can afford, keeping you from going down the path of accruing credit card debt.

So if these cards interest you, here is a great option currently available:


A prepaid Visa, the offers rewards and no annual fee.

You'll earn 0.5% cash back on every purchase. Use our promo code CCGBONUS and you'll earn an extra 1% cash back in the first 90 days.

It also has a lower foreign transaction fee of 1.5%, which is better than most credit cards.

And to top it off, you get a choice of 4 designs to choose from.

If you want more rewards, you can upgrade to .

For an annual fee of $84 (or $9 per month), you'll also get 2% back on a variety of categories, including:

  • Groceries,
  • Gas,
  • Restaurants, and
  • Transit.

Get 0.5% back on everything else. KOHO premium also comes with price protection. Find a cheaper price for an item you bought in the last 30 days, and KOHO will refund the difference to your account.

To top it off, it also charges no foreign exchange fees, saving money while you travel.

And if you decide it's not worth it, you can switch back to a regular card anytime you like.

Compare Student Credit Cards

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