New to credit and still in school? This guide explains how student credit cards work, what to look for, and shows examples of popular student cards in Canada and the US — all in simple language.
A student credit card is designed for people with little or no credit history — typically college or university students. These cards usually have:
In both Canada and the US, issuers and comparison sites emphasise that these cards are mainly tools to build your credit history, not to spend a lot of money.
As of late 2025, several comparison sites list strong no-fee student options in Canada, especially from Scotiabank, BMO, CIBC, Rogers, RBC and TD.
Highlighted by NerdWallet Canada as a top overall student card in 2025, with no annual fee and Scene+ points on everyday spending.
Frequently recommended for simple cash back on groceries and everyday essentials, with no annual fee.
Cash back on gas and groceries with no annual fee, often listed among Canada’s student options.
Praised for high cash back on all eligible purchases, especially if you’re a Rogers / Fido / Shaw customer.
These are examples only, not recommendations. Always review the official card pages for full details, income requirements and current offers.
In the US, major student cards often come from Discover, Capital One, Bank of America and others. Comparison sites and publishers regularly highlight cards like Discover’s student lineup and Capital One’s SavorOne and Quicksilver student cards.
Designed for students with limited history, offering cash back rewards and reporting to major bureaus. Discover emphasizes that these cards help you build credit with responsible use.
Frequently mentioned as strong student options for earning cash back on categories like food, entertainment and everyday spending.
Highlighted for simple, flat cash back on every purchase, good for students who want “no thinking” rewards.
Often listed for students who want simple travel rewards while studying abroad or traveling.
This page is my own summary of publicly available information. It is not a recommendation to apply for any specific card. Always read the latest terms and conditions on the issuer’s website.