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.

    Studying Medicine or Dentistry?

    BMO has special offers for medical/dental students.

    Learn more

    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.

    Use your AIR MILESRegistered symbol dagger Reward Miles for more than just travel. You can also use them for merchandise, events, attractions and even AIR MILES Cash Rewards.

    • Travel Rewards – Where will you go next? Book your flights, hotels, cruises, vacation packages and car rentals.

    • Dream Rewards – Use your Miles on something special for you or your home. Or how about a spa pass? Or movie tickets? There’s so much to choose from.

    • AIR MILES Cash Rewards – Why wait? Instantly use your Miles online or in-store at participating Partners towards your everyday purchases.

    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

    • Along with convenience, there are a number of reasons why applying for a student credit card makes financial sense:

      • A student card is generally easier to qualify for than other credit cards.
      • You’ll start building a credit history. By using your card and paying it off every month, you’ll show you’re responsible with credit, making it easier to qualify for a loan, line of credit or mortgage in the future.
      • You’ll earn cash back or AIR MILESRegistered symbol dagger Reward Miles every time your spend.

    • Don’t worry, you can contact us online to report your lost or stolen card. Just sign in to Online Banking, go to the My Accounts page, and choose Lost or Stolen Card from the list of options.

      You can also visit your nearest branch or call us to report your missing card:BMO Mastercard: 1-800-263-2263

      Learn more