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?

Best student credits cards for 2019

Here are some of the best student credit cards:

Best student credit card for earning cash back BMO SPC CashBack Mastercard
Best student credit card for movie lovers Scotiabank SCENE Visa Card for Students
Best credit card to earn AIR MILES BMO SPC AIR MILES Mastercard

Review all 10 top student credit cards here.

Credit cards 101

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 credit card for earning cash back and saving money

As a Canadian student, chances are you’ve heard of SPC, you may even have the SPC card in your wallet right now, because, let’s face it…

Getting a 10-20% discount at over 250 locations across Canada is pretty awesome.

So, why not combine that money-saving discount with a credit card that gives you 1% cash back on ALL your purchases? Sounds like a no-brainer right? Especially because this is a credit card with no annual fee.

If you use your card for $500 worth of spending a month, you’ll have $60 at the end of the year! $1,000 spent = $120 cash back!

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

Best student credit card for earning Air Miles

Or if you just want something simple to help you get your travel credit card adulting feet wet, the is a no fee, AIR MILES credit card that does the trick. This card will give you:

  • 1 mile per $20 spent,
  • 2x miles at participating AIR MILES partners, and
  • a free SPC membership.

(Bonus: Find out why we think every student needs an SPC card.)

This basic card could be a great way to start building your credit and earn yourself a little extra AIR MILES along the way.

Compare Student Credit Cards

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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