Student Cards · March 2026

Best Student Credit Cards
in Canada 2026

Whether you're at UofT, UBC, McGill, or any Canadian university — here's the best way to build credit, earn rewards, and collect a $100 bonus while you study.

No fee everyday banking

Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.

See how it works

Top Student Cards Ranked

1
KOHO Free — Best for students with no credit
Prepaid Visa · No credit check · No income req
$0/mo
Fee
$100
Signup bonus
1%
Cashback
None
Credit check
Best starting point for Canadian students. No credit check, no income requirement, no enrollment verification. Works immediately. 1% cashback on everything. Add KOHO Credit Building ($7/mo) to start reporting to Equifax and build your first credit score. $100 bonus with referral code BREMO2026.
Get KOHO — code BREMO2026 ($100) →
2
Scotiabank Scene+ Visa — Best real student credit card
Visa credit card · Student-specific · No annual fee
$0
Annual fee
2x pts
Cineplex
1x pts
Everywhere
No min
Income
No annual fee student Visa. Earn Scene+ points (redeemable at Cineplex, Scotiabank partners). No minimum income — student loans and part-time income count. Builds real credit history. Available at any Scotiabank branch with student ID + proof of enrollment (or sometimes without).
See student bank guide →
3
BMO CashBack Mastercard for Students
Mastercard · No annual fee · Student cashback
$0
Annual fee
3%
Groceries (first 3mo)
1%
Ongoing
$500
Min credit limit
up to 2% cashback and restaurant for the first 3 months (up to $500 spend), 1% ongoing. No annual fee. No minimum income requirement for students. Available online. Good for students who want real cashback on their grocery and food spending.
4
Neo Secured Mastercard — Best for credit-building
Secured credit card · $50 deposit · Builds credit
$0
Annual fee
5%+
Partners
$50
Min deposit
Credit
Reports to bureaus
No income requirement. $50 deposit required as security. Reports to Equifax monthly — builds real credit history. 5%+ cashback at Neo partner stores. Good alternative to KOHO Credit Building if you want a real Mastercard instead of a prepaid. Zero annual fee.
5
TD Rewards Visa — TD student card
Visa credit card · TD Bank · No annual fee
$0
Annual fee
TD Rewards
Points program
No min
Income
Credit
Builds history
TD's no-fee student Visa. TD Rewards points on every purchase. No minimum income. Available online or in-branch. Best for students who already bank with TD. Points can be redeemed for travel, merchandise, or statement credits.

Student Card Comparison Table

CardAnnual FeeSignup BonusIncome ReqBuilds Credit
KOHO Free$0$100 (code BREMO2026)NoneVia add-on ($7/mo)
Scotiabank Scene+ Visa$0Scene+ pointsNone (student)✅ Yes
BMO CashBack Student$05% cash first 3moNone (student)✅ Yes
Neo Secured$0NoneNone✅ Yes
TD Rewards Visa Student$0TD pointsNone (student)✅ Yes
RBC ION Visa Student$0Avion pointsNone (student)✅ Yes

Frequently Asked Questions

Can I get a credit card as a student with no income?
Yes. KOHO has zero income requirement (it's prepaid, not credit). Student credit cards from Scotiabank, BMO, and TD accept student status without minimum income — student loans and part-time income count. Secured credit cards (like Neo) require a deposit instead of income, making them available to any student with $50+.
What is the best credit card for a first-year university student?
Start with KOHO for immediate $100 bonus and daily cashback (no credit check). Simultaneously apply for the Scotiabank Scene+ Visa or BMO CashBack Student card to start building real credit history. Using KOHO + one student credit card together gives you both the bonus and a growing credit score within months.
How does a student build credit in Canada?
Get a student credit card (or secured card or KOHO Credit Building). Use it monthly and pay it in full. Keep utilization below 30% of the credit limit. Never miss a payment. Your credit score will appear in 3–6 months and reach 650+ in about a year. Then you can qualify for better cards.

Related guides

🎓 Best student bank accounts Canada 2026 → 📈 How to build credit in Canada — student guide → 💜 KOHO referral code — $100 free, no credit check → 📊 Credit score Canada — what it means and how to improve →

Start earning cashback as a student — $100 free

KOHO code BREMO2026 · $100 bonus · No income required · No credit check

Get KOHO — code BREMO2026 →
Disclosure: Bremo earns referral commissions on KOHO signups. Credit card terms subject to change. Information as of March 2026.

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