You dont have to pay an annual fee, and your APR wont change if you make a late payment. If you pay less than the entire balance, know that youll pay even more in interest on the remainder, which will increase your debt. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. American Express has no liability regarding the NEXUS program. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. This means that the points deducted from your points balance may be different from the amount originally earned. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Student credit cards are virtually identical to traditional credit cards. The card doesnt carry an annual fee or charge foreign transaction fees. Save up to 25% on rentals at participating National Car Rental and Alamo Rent A Car Locations. Heres another tip: Check with your card issuer and see if you qualify for an upgrade that will allow you to keep your credit history. Terms apply to the offers listed on this page. The flat 1.5% cash-back rate on the card is straightforward, yet it can also provide even more value when you pair the Freedom Unlimited with a more premium Chase card in the future such as the Chase Sapphire Preferred Card or Chase Sapphire Reserve. Save up to 25% on rentals at participating National Car Rental and Alamo Rent a Car locations. American Express Platinum Travel Credit Card. The welcome bonus has no strings attached or hoops to jump through simply make a purchase a receive 10,000 Aeroplan points. The 16.74% to 30.74% variable APR is something of a double-edged sword. If you are a newcomer to the U.S., and international student or another noncitizen, American Express might have you covered: You can apply for all American Express personal credit card online without an SSN if you have credit history in one of the following countries: Australia, Canada . While the card does not offer a traditional sign-up bonus, it does waive foreign transaction fees on purchases outside the U.S., so its perfect for students looking to travel while still in school. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan points. American Express Cobalt Card; . Digital Transcript fee is $3.00. Get 1x Mile for every $25 spent on credit card purchases. Amenities may vary among airport lounge locations. While a number of factors were considered in narrowing down our list, the most notable were: Our full criteria include: Regular APR, foreign transaction fee, sign-up bonus, credit needed, rewards rates and categories, redemption options, ease of application, customer service, security and miscellaneous benefits. There are also fees to be aware of, including: There are also penalty APRs that can come into effect when minimum payments are not met. Discover will match all the cash back you've earned at the end of your first year which could be a real windfall but it does involve waiting. You can open the Citi Premier Card down the line and effectively convert your Double Cash earnings into fully-transferable Citi ThankYou points which TPG values at 1.8 cents apiece. Helpful security features include transaction monitoring and alerts, zero liability for unauthorized use and Mastercard Identity Check. Points can be converted for use with multiple partner airline loyalty programs. Were sorry, but something went wrong and we couldnt find your approval odds. Includes popular food delivery and food subscriptions. Points will be earned on the amount of all eligible purchases, less credits and returns. Your personal information and data are protected with 256-bit encryption. Check statements, set account alerts and more while you're on the go. Plus, its an excellent starter card for students who want to build a relationship with Capital One and keep a high-earning, no-annual-fee credit card in their wallet for years to come. Earn 1 point for every $1 thereafter. The balance transfer promotional period cannot be used to transfer a balance from another Scotiabank Account. If you needed to pay $5,000 in tuition, the fee would add an extra $150 to your bill. Access to a credit building service that reports your payments for only $10 per month a rare feature for a prepaid card. Account must be in good standing. After that, you'll earn 1% cash back in those categories. Preferred rates: 19.99% on purchases, 22.99% on cash advances. Losing track of when the promotional interest rate expires could lead to higher than expected interest charges. In your first 10 months as a new SimplyCash Card from American Express Cardmember, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card. Please download one of these up-to-date, free and excellent browsers: Enter your cell phone number and well send you a link to install the WalletHub app. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. card. Many part-time jobs, internships and personal freelance work are acceptable as a form of income when applying for a student credit card. With a student credit card, income and credit score requirements are much more relaxed, or in some cases, non-existent. The overall goal is to partner with parents and caregivers of teens to help prepare them for adulthood in the areas of adolescent development, healthy life skills, and healthy relationships. You can earn 2 Membership Rewards points ('points') for every $1 in eligible consumer purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, (ii) at stand-alone drugstores in Canada, (iii) at stand-alone grocery stores in Canada, and (iv) for travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales but not including local and commuter transportation. For current or former SimplyCash Preferred Card from American Express Cardmembers, we may approve your application, but you will not be eligible for this offer. Access Front Of The Line Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express Experiences. Select Credit, pick either the Neo Card or the Hudsons Bay Mastercard, and then choose Secured Card as the type of credit you are looking for. Teach her to pay in full each month so that shes building good credit habits. Our Credit Cards. Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. Offer subject to change at any time. Welcome Gift4 of 10,000 Membership Rewards Points redeemable for Flipkart5 voucher or Pay with Points option in Amex Travel Online 6, worth Rs. 15. Annual fee of $695. You're juggling your housing, health insurance, payments on your student loans and credit cards, transportation, food, and utilities. Check here before booking an award fare. No refunds and no exchanges subject to merchant'sobligations under applicable law. Statement credit will be reversed if returns result in the required spend threshold not being achieved. Earn interest on the money in your secured savings account. Paying rent with a credit card can offer convenience and flexibility. Eligible Purchases include purchases made at American Express merchants and charged to an Eligible Card. Offer valid for applications received through the link provided on this webpage if offered. Terms apply to American Express benefits and offers. All credit cards come with specific interest rates, usually around 19.99%, that is charged on top of your balance assuming you dont pay it off within the allotted grace period, usually about a month. Cardholders must be Canadian residents of the age of majority in their province/territory of residence. Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants. If youre hoping to get a student card, consider checking out the best student credit cards currently being offered by other issuers. It can be tough to budget when you're a college student or a recent college graduate, because there are so many calls on your income. Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months. Youll have to activate this bonus each quarter, but you can frequently find useful merchants like gas stations, restaurants or Amazon.com. $1 minimum redemption required. Capital One Quicksilver Student Cash Rewards Credit Card: Best for flat-rate cash back. No extra costs your points cover all flight fees and taxes on travel redepemptions. Account must be in good standing. This offer is only available to new Marriott Bonvoy American Express* Cardmembers (Cardmembers). Your credit score is a number between 300 900. Select locations are subject to change. Lose your Card? If your Card is ever lost or stolen, we'll arrange to get you a new one as soon as possible. smart phone) with an attached card reader. It only includes purchase assurance and extended protection insurance. The higher your credit score, the more creditworthy you are to creditors. The Petal 2 Cash Back, No Fees Visa Credit Card can help you learn good credit habits without getting nickeled-and-dimed on fees. Redeem your TD Points towards making purchases at Amazon.ca to get what you want, when you want, quickly and easily. Most college students . Featured photo by Justin Lewis/Getty Images. No annual fee for the Standard rewards plan. Includes rideshare, buses, taxis, subway, and more. Petal 2 "Cash Back, No Fees" Visa Credit Card: Best for earning rewards + avoiding fees. Credit card interest rates on balance transfers or cash advances may be even higher. Ensure that you have good credit and keep paying your bills on time so that she benefits. It doesnt matter if youre a Canadian citizen or an international student studying in the country; both can apply for most student credit cards. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offers details page using the designation "Sponsored", where applicable. Over time, you can expect your credit score to increase. Points can be redeemed for travel flights, hotels, car rentals, cruises and vacation packages merchandise and gift cards, and can be redeemed for contributions to BMO savings or investment accounts. Zero liability protection for lost or stolen cards. We encourage everyone to share their knowledge while respecting our content guidelines. Failing to manage your balance on any credit card, including this one, frequently leads to some kind of penalty. Standard message rates apply. As a new American Express Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. Merchants are typically assigned codes and categorized based on what they sell. If you're not into delayed gratification, you might not appreciate Discover's version of the new cardholder bonus. Terms and Conditions Apply. Among the best options for students are travel credit cards, which allow cardholders to earn travel rewards points or miles that can be redeemed for discounted fares, merchandise, gift cards, and other perks. Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license. Accelerated earn rates for groceries and recurring bills are capped at $500 per billing cycle. All references to you means the Basic Cardmember. Overall, its a good idea to hang onto the card since having a credit account open for a long time is good for your credit score. Speaking of earning, all purchases made with this card will net you Chase Ultimate Rewards points that you can redeem in a variety of ways. If you want us, there is always someone to speak with you, 24/7, about whatever you need big or small. $100 NEXUS Card Statement Credit 5. If youre applying for a card that does take your credit score into consideration, know that it may require a credit score of 660 or higher. Additional reporting by Stella Shon and Christina Ly. No travel medical coverage for cardmembers over the age of 65. How old do I have to be to get a student credit card? To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment. Account must be in good standing. Earn accelerated earn rates on eligible gas and grocery purchases. Conditions Apply. If their notification doesnt point you in the right direction, you should review your credit report for any errors or major demerits. If your issuer reports this information to their respective credit bureaus, then adding your children to your account could give them FICO advantages when they're ready to apply for a personal card in their (respective) name. 1x Scene+ point per dollar spent on everyday credit card purchases. Conference rooms, where available, may be reserved for a nominal fee. Please allow up to eight weeks for the Welcome Bonus to be awarded. The Capital One Venture X card is one of the best all-round travel credit cards ever launched. In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your Card. Common Amex card benefits like extended warranties, travel protections and access to pre-sale tickets to concerts and sporting events can justify a pricier annual fee. Merchants are typically assigned codes and categorized based on what they sell. Use the CIBC Pace It feature to make installment payments on large purchases. Don't interpret "no fees" as "no consequences." There's no minimum spending or maximum rewards. When used responsibly, a student credit card is a phenomenal tool for building your credit history. To view the full terms and conditions, visitwww.marriottbonvoy.com/terms. Some student credit cards dont require that you have an annual income to be approved. Before we can consider your application, please ensure you can say yes to the following: You are a Canadian resident and have a Canadian credit file. Account must be in good standing. This information may be different than what you see when you visit a financial institution, service provider or specific products site. American Express doesn't have a student-specific card, but it does offer a rewards card without an annual fee, which could be interesting to students. Add an eligible RBC credit card to a DoorDash account and enjoy no delivery fees for 12 months. Best Offer Ever. The standard APR for purchases of 26.74% variable is on the high side, even for a secured credit card. American ExpressAeroplan*Reserve Cardmembers are eligible to receive up to $100 CAD in statement credits every four (4) years for application or renewal fees for the NEXUS program when charged to an eligible Card. Want a Credit Card that meets your needs without having to pay an annual fee? The up to $2,600 or more in value is based on the combined total value of: Welcome Bonus of up to 85,000 Aeroplan points are redeemed for a flight(s) (up to $1,700), based on over 70% of current Aeroplan Cardmembers that receive a value of $0.02/points or more when redeeming for a flight as of March 1, 2022. Dont worry, as there are other solutions available. Credit cards can be extremely useful tools by earning you cash back or points rewards every time you spend. In other words, even if a card isnt called a student credit card, you may still have a chance at approval. Receive preferred pricing when paying for flights with your Aeroplan points. Building a solid credit history and staying out of debt should be your primary goals, so focus on cards with low fee structures and rewards for your biggest expenses. We won't tell you where to spend, we'll just reward you on your Card purchases. While many great rewards credit cards on the market right now have an outsized value that more than make up for an annual fee, its always a good practice to start slow with a no-annual-fee card early on in your credit journey. The NEXUS program is subject to change, and American Express has no control over those changes. 17.99% to 27.99% variable. Account must be in good standing. For current or former Choice Card from American ExpressTMor American ExpressGreen Card Cardmembers, we may approve your application, but you will not be eligible for the Welcome Bonus. Conditions apply. Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift card. Activities fees, parking fees, orientation fees adding credit card fees to the outflow of cash from your pockets might seem like a bridge too far. No problem. Earn 3X the points on eligible Air Canada * & Air Canada Vacations * purchases 7. Preferred rates: 19.99% for purchases, 22.99% for cash advances. Partner Designation is determined by AIR MILES in its sole discretion. No annual fee and build your credit with responsible use. Thats why its a great time to also establish a positive credit history. Earn up to 6% cash back plus $250. Unless you have an annual fee, there is pretty much no reason to get rid of the credit card, and even then you want to make sure there are no benefits to counterbalance getting rid of the card. To be eligible, you must be able to provide security funds and be a Canadian resident of the age of majority in the province or territory where you live. These can include: Here well look at how to get your first credit card and how to understand the features of the card: When youre ready to get your first credit card, start by checking your credit reports and credit score. Subject to availability and to event and ticketing terms, restrictions,verification procedures and fees. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. American Express may make changes to the types of purchases that are eligible for redemption with Use Points for Purchases at any time without notice. Student card APRs average more than 17 percent, according to . I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. Put $0 if you currently don't have a rent or mortgage payment. Citibank is one of the best options because it offers an easy process. Before attempting to pay tuition with a student credit card, make sure youre clear on what credit card fees youll be charged, and investigate alternative forms of payment, such as direct deposit or a cheque. Just make sure its an upgrade and not a new account so that your history continues to grow. Also, there should be no hard inquiry if its an upgrade. Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments. All Eligible Purchases: 1,000 points = $10 statement credit. Account must be in good standing. No transaction fees and no interest charges. Read our Chase Freedom Student credit card review. American Express does not offer any other credit cards for people with limited credit history, either, which means students and other applicants with no credit will need to build their credit score before applying for a American Express card. New to The Points Guy? If you have an existing credit history, the Chase Freedom Unlimited is the perfect card to start building a relationship with a premium issuer. Eligibility is restricted to Canadian residents who are the age of majority in their province/territory of residence. Once you have found the Card that suits you best, make sure you read the important information, then hit the 'Apply now' button to begin the application process. Earn flexible and easy-to-redeem cash rewards on everyday purchases. Get all the convenience and security of an American Express Card while earning cash back on all your eligible purchases with the card. Offer subject to change. Earn 1% in cash back on recurring bill payments, such as streaming services, subscriptions or monthly utilities, up to $500 in spending per billing cycle. The process of acquiring a student credit card is similar to that of other cards. AIR MILES Onyx Collector status qualification requirements and benefits are subject to change The accelerated 2% earn rate wont earn you more than $300 in cash back annually. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Editors note: This is a recurring post that has been updated with the latest information. For example, making a late payment on your Petal 2 card could prevent you from redeeming your cash back rewards. The potential for earning cash back on everyday purchases is huge. You wont earn cash back or points on purchases, since this is not a rewards card. *, Balance Transfer option is only available at time of online application. American Express, with the help of Nova Credit, can use your international credit history from select countries to evaluate your Card application. While most credit card applications require you to input your annual income, you do not need a formal job title to be considered for most student credit cards. On the credit-building front, Discover will automatically review your account starting at seven months to determine your eligibility for an upgrade to an unsecured line of credit and a full refund of your deposit. You charge purchases to your card and you dont have to pay for them until your statement due date. Its an especially great card for studying abroad, since youre avoiding foreign transaction fees and earning 1.5% cash-back on everything whether its a train ticket to a new country or souvenirs at a gift shop. For a student who doesnt mind putting down a deposit to start an account, the right secured card could be a solid choice. Please allow up to eight weeks from the date the Bonus Miles were earned for the bonus to be awarded to your Collector Account. If you have not received the Priority Pass card after 14 business days, please contact Card Services using the number on the back of your American Express AIR MILES Reserve Credit Card. WalletHub makes it easy to find the best American Express student credit card for you. For current or former American Express AIR MILES* Credit Card Cardmembers, we may approve your application, but youwill not be eligible for the welcome bonus. This is not an American Express program. And theres nothing wrong with that. You may also have to provide government-issued identification, like a passport or a Canadian-issued drivers license, as well as some form of proof that youre actually enrolled at a post-secondary institution. If you've held an American Express credit card in a foreign country and have moved to the U.S. as a student, you may consider applying for the no-annual-fee Blue Cash Everyday Card. Apply by January 31, 2023 and get 35,000 Welcome Points on approval, plus earn 20,000 bonus points when you spend $5,000 in your first six months. While it may not earn the most valuable rewards on the market, it has many benefits that encourage responsible payment practices and can be a valuable tool for earning modest rewards while forming a healthy relationship with a credit issuer. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. And what do these actions do to your credit? Just because youre a college student doesnt mean youll automatically get approved for a student card. Its all in the name. Get an optional snappy new vertical Premium card! Our experts at CreditCards.com analyzed 109 student credit card offers to find our top recommendations. Introductory Bonus Cash Back. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. Its also worth calling your financial institution to ask if they can waive the interest charges. If you dont travel frequently, this might not be the best card for you. Disclaimer: NerdWallet strives to keep its information accurate and up to date. 55,000 bonus points (a value of up to $1,1000). Capital Ones two new credit cards are the best for college students, significant benefits to adding your child to your account. However, this does not influence our evaluations. No credit score? Discover it Student chrome: Best for cash back. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses including excursions and taxes within 90 days of your purchase. Any additional Miles required, and applicable taxes and fees are payable by the Basic Cardmember. Once the maximum is reached, you will no longer earn 4% regardless of credits, returns and adjustments subsequently posted to your account. However, keep in mind that this could impact both the credit score of the student and the score of the co-signer on the account, as even one missed payment can significantly impact your credit score. American Express student credit cards, chosen from 2022's best offers. Earn 0.5% cash back on all other eligible purchases. 24/7 Customer Services *American Express is not responsible for maintaining or monitoring the accuracy of information on this website. Preferred rates: 19.99% on purchases and 22.99% on cash advances (21.99% for Quebec residents). 1% cash back on all purchases, with a 1.25% boost to cash back total with on-time monthly payments. Youll earn cash back at gas stations and restaurants year-round, ideal for students who stay on-the-go even when theyre not in class. The credit bureaus want to see an established history of responsible credit use, which is why a credit card under your own name can help. However, if you have negative marks in your credit history or no credit history at all, make sure to check the eligibility requirements. While managing your own finances and having a credit card in your name are big steps toward being an independent adult, make sure to check your account frequently and keep track of your spending to help get your FICO score off on the right foot. A great American Express credit card for international students from Australia, Canada, India, Mexico and the UK. Post-secondary institutions may also charge significant fees in exchange for the convenience of paying with a credit card, sometimes as much as 3% of the total transaction. This offer cannot be combined with any other offer. For full details, current product information and Terms and Conditions, click the Apply now link. Maximize your points by adding up to three additional cards and giving them to your spouse or other family members. (1) No, American Express does not have a student credit card. International students with an F-1 visa that provides work authorization in the U.S. can apply for a SSN and thus . 16. If you're 30 days late, your student loan status goes from current to delinquent and once your lender reports your late payment to the major credit bureaus, your credit score could fall. Applicants must be Canadian citizens or permanent residents who have not declared bankruptcy in the past seven years, and who have reached the age of majority in the province where they live. For additional information on the NEXUS program, please visitwww.cbsa-asfc.gc.ca/prog/nexus/term-eng.html. Instead of the traditional welcome offer, Discover will match all the cash back you've earned at the end of your first year as a cardholder. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14 (transaction date) and posts on Sept 15th (posting date) may not count for eligible spend for that month. Accountmust be in good standing. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Official application link: Chase Freedom Unlimited.Official application link: Capital One SavorOne Student.Official application link: Capital One Quicksilver Student.Official application link: Citi Double Cash.Official application link: Journey Student Rewards from Capital One. The easiest way and fastest way to build credit is with a credit card, but that can be a tough nut to crack for consumers under 21 years old. Significant discounts on some car rentals. If you dont qualify for a student card, a secured credit card may be a better choice for you. Issuers technically have 30 days to respond to a credit card application. There are generally four steps youll have to take: Yes, international students can get credit cards in Canada. After your four (4) complimentary visits have been used, you may visit for a usage fee at the prevailing rate, which is subject to change without prior notice. Most importantly, as long as the account is managed properly, your children will likely get boosts to their personal credit scores, and itll add more depth to their credit histories. Rewards rates: Earn 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target) and 1% on everything else. A low spending limit can prevent you from racking up a big credit card bill you cant pay, but it can also leave you in the lurch if a major purchase becomes necessary and youre already up against your maximum spending amount. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Earn 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account. Avion cardholders receive 20% off and 2x the points at Hertz Rent a Car. Offers are subject to change at any time. Should you graduate from a student credit card to a regular credit card? Wells Fargo Reflect Card. In this case, that purchase will count towards spend in the next months billing period. Use your Scene+ points for travel, shopping, dining and more. Increase non-taxable income or benefits included by 25%. Cash back is simply a percentage of the charges you make credited back to your account. Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options, Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary, Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, Earn unlimited 2X miles on all other purchases, Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network, Receive up to a $100 credit for Global Entry or TSA PreCheck, Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and moreyou can even transfer your miles to your choice of 15+ travel loyalty programs, Named editors' choice for "Best New Credit Card of 2021" by The Points Guy, Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023. The age of majority is 18 in Alberta, Manitoba, Ontario, Prince Edward Island, Quebec and Saskatchewan. Click "Apply Now" to see terms and conditions. Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Earn 1X Scene+ point for every $1 spent on every other purchase. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. To be eligible, you must be a resident of Canada and the age of majority in the province or territory where you live. Points do not expire. SupplementaryCardmembers must be at least 13 years old. Earn 1.5 points for every dollar you spend on eligible purchases 11. Earn 1 point for every $1 in Card purchases everywhere else. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. When an application gets denied, the provider must notify you to explain why. If you dont spend on the cards bonus categories, youll likely be better-served by a flat-rate cash back card. Your credit cards journey is officially underway. Students can enjoy one of the highest return rates on bonus categories with this rewards card from Capital One. Set up a system in which she pays you the same time every month, like a bill. Personalized financial coaching on demand. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. In most cases, you must be the age of majority in the province where you live in order to apply for a credit card. Here are some good tips to keep in mind to avoid common mistakes and to make the most of your student card: If you are preparing to graduate this year, youll likely want to think through your credit and credit card. If this occurs, that purchase will count towards eligible spend for the next billing period. Please allow up to eight weeks for your bonus points to be awarded. Rewards Many credit cards, student cards included, offer rewards to the user. Plus, for your first 4 months, enjoy 10% bonus cash back at restaurants and bars up to $500 spend. As an international student, you havent been given permission to work in Canada, which prevents you from obtaining a Social Insurance Number. More informationClose Earn 1 BMO Rewards point for every dollar spent on applicable purchases. Credit Card Rewards & Benefits. When youre ready to book, you can redeem your TD Rewards Points towards your travel purchase right away. More informationClose Let your points pick up the tab. Student credit cards are meant to help college students build a strong credit history, which will eventually give you access to top-of-the-line credit cards. Many people hang onto their student credit card until they secure a full-time job. To get the best value, youll have to be loyal to Air Canada and the Aeroplan rewards program. From valuable cash-back credit cards that are perfect for a student with an existing (but limited) credit history to student credit cards that are designed specifically for first-timers with no credit at all, here youll find the perfect mix of no-annual-fee credit cards designed specifically to fit your student needs. Use WalletHub's unique tool and compare American Express student cards to other popular offers. Comparing american express student credit cards can be tough. Best no-fee student card for SCENE and points: Best no-fee student Aeroplan travel rewards card: Best no-fee student card for earning cash back on groceries: Best student card for travel rewards and rewards on travel booking: Best student card for Avion Travel rewards: Best no-fee student card to earn flexible rewards: Best no-fee student card for balance transfers: Best student card with the lowest annual interest rate: Best no-fee student card with promotional interest rate on purchase: Best SCENE + points and to save on foreign transaction fees student card: Best no annual fee or foreign exchange fees student rewards card: Best no-fee flexible reward student card: Best no-fee student card with bonus categories tailored to your spending: Best reloadable prepaid MasterCard that earn interest and builds credit: Earn 150,000 points in the first year by spending up to $30,000 on eats, drinks and groceries. Welcome Bonus of up to $100 in Statement Credits - This offer is only available to new SimplyCash Card from American Express Cardmembers. Youre too young or too old to meet the age criteria. Account must be in good standing. All financial products, shopping products and services are presented without warranty. Earn 2 points for every $1 at restaurant, quick service restaurant, coffee shop, and drinking establishments in Canada, and delivery of food in Canada as a primary business, but not including groceries. For example, if you deposited $500 onto your secured credit card, youd have a $500 spending limit. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. Why? FreshCo, Thrifty Foods, IGA West, Les Marchs Tradition, Rachelle Bry and Co-Op. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at, 13. Scene+ points can be redeemed for points for travel, shopping, dining, statement credits, Cineplex entertainment, and more. Scene+ points can be redeemed for travel purchase, merchandise and other non-travel rewards such as gift cards and prepaid cards. Thats $100 towards groceries or concert tickets. Account must be in good standing. 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