Navigation skipped
a group of university students having fun using their no annual fee credit cards

Student credit cards

Make student life a little more rewarding with a no annual fee student credit card that lets you earn every time you spend. Along with enjoying the convenience a credit card provides, you’ll also start building a credit history.

  • Student
  • No Fee

Welcome offer: Get 5% cash back in your first 3 months!‡‡

  • $0

    annual fee8

  • 21.99%

    for purchases8

  • 23.99%

    for cash advances8

    (21.99%

    for Quebec residents8

    )
  • Student
  • No Fee

Welcome offer: Get  (that’s enough for $80 towards purchases with AIR MILES Cash).

  • $0

    annual fee8

  • 21.99%

    for purchases8

  • 23.99%

    for cash advances8

    (21.99%

    for Quebec residents8

    )

Studying Medicine or Dentistry?

BMO has special offers for medical/dental students.

What’s the right rewards program for you?

Let’s keep it simple. Easily earn cash on all your purchases. Redeem your cash back how and when it best suits you.

  • Conveniently cash out – You can choose if you want your cash as a recurring payment or as a lump sum. Redeem any time for as low as $1 or set up an automatic recurring deposit starting at $25.

  • Feed the piggy bank – Choose to deposit your cash back into your BMO chequing, savings or InvestorLine account.

  • Put it back on your card – Redeem your cash back as a statement credit.

Student FAQs

  • There are a few requirements you need to meet to apply for a student credit card with us.

    • Be a student between the ages of 18 and 24 at a recognized post-secondary school
    • Be a Canadian citizen or permanent resident. Are you an international student? You can apply for a BMO credit card by visiting a branch.
    • Have reached the age of majority in the province in which you live (18 years in AB, MB, ON, PE, QC and SK. 19 years in all other provinces)
    • Earn annual income from employment, scholarship/grant, student loan or family allowance