Best Credit Cards for Students in 2025 in Canada (No Fees, Easy Approval)

 Best Credit Cards for Students in 2025 in Canada (No Fees, Easy Approval)

Being a student in Canada often means managing tight budgets, building credit from scratch, and learning how to handle money wisely. A student credit card can be your first step toward financial independence, and in 2025, many Canadian banks offer no annual fee cards with easy approval, even for first-time users.

In this guide, we list the best student credit cards in Canada this year based on fees, approval process, rewards, and overall value.

Top Student Credit Cards in Canada for 2025

BMO CashBack® Mastercard for Students

• Annual Fee: $0

• Cashback: 3% on groceries, 1% on recurring bills, 0.5% on everything else

• Approval: Easy, even with limited credit history

• Why It’s Great: Ideal for students living away from home with grocery expenses.

2. Scotiabank SCENE+™ Visa Card for Students

• Annual Fee: $0

• Rewards: Earn SCENE+ points on every purchase

• Bonus: Extra points on entertainment, dining, and travel

• Why It’s Great: Perfect for students who enjoy movies, restaurants, and travel.

3. CIBC Aeroplan® Visa Card for Students

• Annual Fee: $0

• Rewards: Earn Aeroplan points for flights, hotels, and purchases

• Welcome Bonus: Up to 10,000 Aeroplan points

• Why It’s Great: Great choice for students planning to travel.

4. RBC Student Visa Credit Card

• Annual Fee: $0

• Perks: Purchase protection, no minimum income

• Bonus: Discounts with partner brands and cash-back offers

• Why It’s Great: Reliable everyday card with added protection.

5. Desjardins Student Credit Card

• Annual Fee: $0

• Benefits: Mobile device insurance, travel insurance

• Approval: Simple online application, quick response

• Why It’s Great: Insurance benefits not often offered to students.

Why Students Should Use a Credit Card Wisely

Using a student card responsibly can:

• Build your credit history for future loans

• Teach money management and budgeting

• Offer rewards or cashback on everyday purchases

• Help with unexpected emergencies

Tips to Avoid Credit Card Mistakes

• Never spend more than you can afford to repay

• Always pay on time to avoid late fees and credit damage

• Keep credit usage below 30% of your limit

• Avoid cash advances — they come with high interest

How to Get Approved Easily

• Apply for student-specific cards (don’t apply for premium cards yet)

• Use your student status or part-time job as income

• If denied, consider secured credit cards (you provide a deposit)

The best student credit cards in Canada for 2025 are simple, free, and reward-focused. They are built to help you build credit, earn points, and learn financial discipline—all without charging you fees.

Choose a card that fits your spending habits, whether it’s groceries, movies, or travel. With time and responsible use, you’ll build a strong credit foundation that pays off for years to come.