Benefit from a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that). If this occurs, that purchase will count towards eligible spend for the next billing period. Link the RBC Avion Visa Platinum to a Rexall Be Well card and earn 50 Be Well points for every dollar spent on eligible products at Rexall. Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account. Subject to availability and to event and ticketing terms, restrictions,verification procedures and fees. 15. Once the maximum is reached, you will no longer earn 2% regardless of credits, returns and adjustments subsequently posted to your account. You can opt-out of sharing your personal info here. This offer is only available to new Marriott Bonvoy American Express* Cardmembers (Cardmembers). When determining the best credit cards for college students, we looked at multiple factors that would be most relevant to young adults. This may influence which products we write about and where and how the product appears on a page. Heres what you need to know: If you and your student feel shes ready for a credit card, its a good idea to establish some ground rules: Having a budget will give students a better understanding of where their money goes. After that, you'll earn 1% cash back in those categories. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). As an international student, you havent been given permission to work in Canada, which prevents you from obtaining a Social Insurance Number. There are generally four steps youll have to take: Yes, international students can get credit cards in Canada. Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. 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. Account must not be cancelled at the time of benefit redemption. Earn up to 85,000 Welcome Bonus Aeroplan* points4. Plus, earn unlimited 1% cash back on all other purchases - automatically. Theres no medical insurance offered, either. Cardholders who enjoy VIP treatment will enjoy access to a multitude of perks through American Express Experiences. So, whatever you're looking for in a credit card, you will find it here. In Ontario, Quebec, Prince Edward Island, Alberta, and Manitoba, its 18. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. Intro offer is equal to a free General Admission or 3D movie ticket in a regular auditorium. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan points. Terms and Conditions Apply. Earn 1.5 points for every dollar you spend on eligible purchases 11. Credit Card Rewards & Benefits. FreshCo, Thrifty Foods, IGA West, Les Marchs Tradition, Rachelle Bry and Co-Op. Maximize your points by adding up to three additional cards and giving them to your spouse or other family members. No refunds and no exchanges subject to merchant'sobligations under applicable law. Exclusions include, but are not limited to, refunded Miles, transferred Miles, any Miles collected through an employee incentive program, and Miles collected in connection with any specifically excluded offer. Best American Express credit cards of 2022: The Platinum Card from American Express: Best for luxury travel perks. Best overall student credit card. 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. Build credit alongside hundreds of thousands of Petal card members. American Express will not provide additional statement credits once the maximum of $100 CAD in cumulative statement credits have been issued for subsequent NEXUS application or renewal fees charged to the same eligible Card within the same four (4) year period even if the original application is rejected. Plus, its permanent, provided you make a minimum payment every month. Earn accelerated earn rates on eligible gas and grocery purchases. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere. When evaluating offers, please review the financial institutions Terms and Conditions. There are a number of moving parts to a credit card, for example: APR The annual percentage rate is the interest you will be charged on balances carried from month to month. The idea of opening up your own line of credit as a young adult can be daunting, but the short- and long-term benefits are undeniable. The best credit card for international students and immigrants is the Capital One Platinum Secured Credit Card, because it doesn't come with an annual fee and only requires an ITIN to apply. Sign-up bonus: Cardholders get an unlimited dollar-for-dollar match of all the cash back youve earned at the end of your first year. 2,500 bonus rewards points awarded after first purchase, redeemable for $25 cash . Please allow up to eight weeks for your bonus points to be awarded. Generally speaking, student credit cards are easier to qualify for than premium credit cards. Youre then required to pay back the amount you borrowed by the due date when you receive your credit card statement to avoid incurring interest. We won't tell you where to spend, we'll just reward you on your Card purchases. Card issuers usually view students as high-risk borrowers, which often results in higher interest rates on student credit cards. All transcript orders require a major credit or debit card (Visa, MasterCard, Discover, or American Express) to complete the transaction. A low spending threshold means the welcome offer should be claimable for most cardholders. Jason is also the founder and producer of CardCon, a conference for credit and credit card journalists thats held annually. Many part-time jobs, internships and personal freelance work are acceptable as a form of income when applying for a student credit card. Earn rate of 1 point for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone, or online retailer that sells goods of other merchants, or the merchant category is otherwise not identified. When starting on your credit journey, remember that the length of your credit history (which includes the average age of your accounts) is one factor of your FICO score. Points do not expire. Find the right card for you. Save up to 10 cents per litre at participating Chevron, Ultramar and Pioneer gas stations if you link your card with Journie Rewards. Well use the last four digits of your Social Security number to get your approval odds. Not many of the cards here are eligible to international students, but the Deserve EDU Mastercard for Students is a great option for a student studying abroad in the United States thanks to it not requiring a credit history. Aeroplan Points never expire and can be redeemed for a variety of travel, merchandise, gift card, and other rewards offered by Aeroplans participating partners and suppliers. Check here before booking an award fare. Don't interpret "no fees" as "no consequences." The standard rate on purchases and cash advances is dependent on Neo Financials assessment of your credit application, credit profile, and your province. Please allow up to 8 weeks after earning your Aeroplan points for your Aeroplan account to be updated. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Teach her to pay in full each month so that shes building good credit habits. For current orformer American Express AIR MILES* Platinum Credit Cardmembers, we mayapprove your application, but you will not be eligible for the Welcome Bonus. Youll have to apply for a Social Insurance Number first, and youll only receive one if your study permit allows you to work while in the country studying. Earn 0.5% cash back on all other eligible purchases. Account must be in good standing. 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. Some prepaid cards, like the KOHO Standard Prepaid Visa and the KOHO Premium Reloadable Prepaid Visa even earn interest and report to the credit bureaus. Well use this information to to verify your credit profile. 670-850 (Good to Excellent) Capital Ones two new credit cards are the best for college students, significant benefits to adding your child to your account. American Express does not offer any other credit cards for people with limited credit history, either, (2) Find the best credit card by American Express for your needs. Mount Alvernia High School's Prom Fashion Show is a long-standing tradition. Theyll also help you build your credit score. Conditions Apply. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. The accelerated 2% earn rate wont earn you more than $300 in cash back annually. No Pre-Set Spending Limit. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. As mentioned, itll help you build your credit score. This offer is not available for residents of Quebec. 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. Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. 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. 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. Rewards rates: Earn 1% cash back on all purchases, with a potential to increase to 1.25% cash back total with on-time monthly payments. Many of the American Express credit card benefits are tremendously valuable. While Neo plans to report card activity to TransUnion, the company has confirmed that this function isn't fully operational yet, so the credit-building benefits of this card will be delayed. 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. Earn rate of 2% cash back on eligible purchases applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Includes rideshare, buses, taxis, subway, and more. 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. To be eligible for a student credit card in Canada, youll have to be a Canadian resident and/or provide evidence that you are enrolled in a post-secondary education program. Better-than-usual intro offer for a student card, plus the ability to earn rewards on everyday purchases. The typical secured credit card is a functional tool for building or rebuilding credit. Official application link: Capital One SavorOne Student Cash Rewards Credit Card. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. Choose between travel, cash back, rewards and more. We'll run a soft credit check to find special offers, but it wont affect your credit score. A low promotional interest rate for the first six months. Account must be in good standing. The minimum age to get a credit card depends on the age of majority in your province or territory. There are also ways around this by having a co-signer help you out or becoming an authorized user. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. In fact, Capital One offers several student credit cards, such as the Capital One SavorOne Student Cash Rewards Credit Card and Capital One Quicksilver Student Cash Rewards Credit Card, both of which have low annual fees and are available to college and graduate students who have limited credit history or better. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. 120,000 points. Supplementary Cardmembers must beat least 13 years old. 10. However, all credit card information is presented without warranty. The cash back calculation resets annually. CreditCards.com credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Multiple applications can negatively impact your credit score and make it more difficult to get approved for a card. Merchants are typically assigned codes and categorized based on what they sell. No, American Express does not have a student credit card. Card Member Reviews. The best student credit cards in Canada have low fees and interest rates while still providing some perks and strengthening your credit profile. Thats up to $300 towards a weekend getaway or concert tickets. A statement credit does not constitute a payment and does not satisfy the requirement to pay the minimum due on a credit card. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. However, certain credit cards offer low interest rates as a way to attract cardholders who may not be as experienced with revolving credit products. This is not an American Express program. Related: Capital Ones two new credit cards are the best for college students. Box 3204, Station F, Toronto, ON M1W 3W7, Copyright 2022 American Express Company, travel-rewards-cards-Opening in same window, airmiles-rewards-credit-cards-Opening in same window, 4. If this occurs, that purchase will count towards eligible spend for the next billing period. International students can apply for a BMO credit card by visiting a branch. The Platinum Card from American Express. Ask our in house certified financial coach any money question you have. 9. The 19.99% interest rate may be an industry standard, but it could feel high for first-time cardholders. Every time you apply for a credit card, a hard credit inquiry gets noted on your credit report. Up to 30,000 Welcome Bonus This offer is only available to new American Express Cobalt Cardmembers. Second Year Fee: Rs. In most cases, you must be the age of majority in the province where you live in order to apply for a credit card. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies. Official application link: Journey Student Rewards from Capital One. Intro Offer: Earn up to 50,000 TD Rewards Points plus, first year no Annual Fee for the Primary and Additional Cardholders (a value of up to $370). 3,500 plus applicable taxes. Those aren't the only differences that distinguish these two dual-threat credit card companies, either. You charge purchases to your card and you dont have to pay for them until your statement due date. Transfer balances within your first 30 days and pay only 1.95% interest on the transferred balance for the first six months (19.95% after that). Welcome Bonus of up to $100 in Statement Credits - This offer is only available to new SimplyCash Card from American Express Cardmembers. American Express AIR MILES Reserve Cardmembers enjoy automatic AIR MILES Onyx Collector status and have access to the corresponding benefits as long as they remain Cardmembers (Partner Designation). Offer valid for applications received through the link provided on this webpage if offered. 7. Visit americanexpress.com to learn more. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of credits, returns and adjustments. Account must be in good standing. If you don't qualify for the low end of that range, your standard APR could be considerably higher than the student average of around 16%. The biggest change you might want to make is to increase your credit limit. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. The list of fees it doesnt charge includes annual fees, foreign transaction fees and late fees. Just remember: as a college student, its imperative that youre on top of your spending and know what it takes to stay on track financially. The $395 annual fee might be expensive for some, but this cards benefits provide much more value than that. No problem. Ability to upgrade to an unsecured rewards credit card. Earn up to $2,600 or more in value within your first year 6. At the same time, you can enjoy some benefits specifically tailored to students and new credit users. If you dont travel frequently, this might not be the best card for you. 2% cash back on transportation, groceries and restaurants. Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for this offer. It also includes features tailored to new credit users, starting with the fact that you can apply even if you dont have a credit history. Rewards rates: Enroll each quarter to earn 5% cash back on your first $1,500 in purchases in rotating quarterly bonus categories (then 1%) and 1% cash back on all other purchases. Privacy Policy. Your email address unlocks your approval odds. Has talk of interest, annual fees, rates and percentages left you feeling confused? Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. You must also be the age of majority in the province where you live. Wallethub doesnt charge for this service. Chase Freedom Student credit card: Best for sign-up bonus. (Photo by Topalov/Getty Images) . Some student rewards credit cards even come with perks like purchase assurance or extended protection insurance on eligible purchases. The simplest is redeeming for cash back (earning 1% per dollar spent), but you can also choose travel purchases, purchases from Apple and Amazon.com and more. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan points. This wont impact your credit score. Its also worth mentioning that you can pay your bill whenever you want. Keep an eye on your inboxwell be sending over your first message soon. For current or former American Express Gold Rewards Cardmembers, we may approve your application, but you will not be eligible for these offers. The Discover it Student chrome offers a potentially lucrative way to earn cash back as you learn the ropes of using credit cards. Credit card interest rates on balance transfers or cash advances may be even higher. For more insurance, consider the Tangerine World Mastercard which requires a minimum personal income of $60,000. Just because youre a college student doesnt mean youll automatically get approved for a student card. If you plan on studying abroad, keep in mind that Discover has a lower acceptance rate at merchants than Visa and Mastercard do. The higher 20.99% interest rate could be a problem for students learning how to use their first credit card. 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. A maxed-out credit card can take years to pay off if youre only making minimum payments, and can damage your credit score in the process. 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. If a lower rate is important to you, consider the nearly-identical BMO Air Miles Mastercard, which comes with a 1.99% introductory interest rate on balance transfers for nine months. So you could turn $50 cash back into $100. Building credit as a college student is an essential step to a life of financial responsibility, helping you form a solid relationship with the money (and plastic!) Earn up to 1% cash back on eligible purchases and recurring bill payments. A student credit card allows cardholders to make purchases and shop online. 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. With American Express Experiences and Front Of The Line, American Express Cardmembers get access to amazing events in Canada. Cash Back rewards do not expire as long as your account is open. The card carries no annual fee and no foreign transaction fees. Once the maximum is reached, you will no longer earn 4% regardless of credits, returns and adjustments subsequently posted to your account. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Maximum of 9 supplementary cards per account. 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. Why we like it: The Journey Student Rewards from Capital One is marketed specifically to students and for good reason. For example, student cards may lack large sign-up bonuses and high credit limits. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. Most people will wait for their bill to arrive and then pay it off all at once. While other mid-tier credit cards may have more valuable perks, 2% back on everything leads the pack in terms of flat-rate rewards for cash-back credit cards. 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category. Its 19 everywhere else in Canada. 17. American Express AIR MILES Reserve Cardmembers enjoy automatic AIR MILES Onyx Collector status and have access to the corresponding benefits as long as they remain Cardmembers (Partner Designation). This is my first time I have the American Express card. See the Partner listing section on airmiles.ca. Companion Flight Benefit Once per year, based on the date your American Express AIR MILES Reserve Credit Card account was opened on our systems, when a Basic Cardmember redeems Reward Miles for one Flight Reward within the AIR MILES Flight Program, they can receive a Companion Flight up to a maximum of 1,700 AIR MILES Reward Miles for the same itinerary, excluding service charges and taxes. If you have no income whatsoever, consider opening a secured credit card which requires you to provide an up-front cash deposit before using the card or have a parent or guardian add you as an authorized user to their account. Student card APRs average more than 17 percent, according to . The 16.74% to 30.74% variable APR is something of a double-edged sword. Earn a welcome bonus worth up to $370 if you apply by May 28, 2023. This is a terrific starter card for students when you factor in the cash-back rewards that never expire, plus a bevy of potential future redemption options. 2% on two categories of your choice: grocery, furniture, restaurants, hotel-motel, gas, recurring bill payments, drug store, home improvement, entertainment, or public transportation and parking. $5,000+. Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license. Apply for a credit card online. It can also serve as a backup credit card in case your new credit card is not accepted at a merchant for some reason. Credit history is not required and international students can apply. Like the Freedom Unlimited, opening the Double Cash card can ultimately unlock even more valuable rewards. They don't charge any annual fees and give a 1% cash-back on any purchase you make. If you manage the categories and spend responsibly, the Discover it Student Cash Back can help you earn rewards on purchases youre probably making anyway. In either case, each subsequent four (4) year period follows the period that immediately preceded it. As you use your student credit card, youll build a strong credit history and that will impact your credit score. A different credit card issuer. * Activate for free. Earning valuable rewards is another benefit of having a student credit card that can make life a little less expensive. Depending on your spending habits, you might be able to earn more cash back with a bonus category rewards credit card. The Petal 2 Cash Back, No Fees Visa Credit Card addresses the issue head-on. Earn up to 15% cash back on purchases with select Neo partners. Account must be in good standing. If its her card, help her set up alerts so that she knows when shes approaching her monthly limit. For new Cardmembers after September 1, 2021, the first four (4) year period runs from the initial Card anniversary date until the day before the fourth (4th) Card anniversary date. With that new card in hand, you could cancel your student credit card since you wont need it anymore. 23. 3,000. If youre looking for a no-hassle, yet lucrative rewards student credit card, consider this Capital One card a top pick. 4.5 based on 5,600 reviews of Credit One Bank American Express Card. Besides accumulating debt and being charged interest, not much will happen if you miss a single payment. Hes frequently interviewed and quoted by mainstream outlets on the subjects of credit cards and travel. through a third party or by using a mobile device (e.g. Please view our advertising policy page for more information. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. 12. AIR MILES Onyx Collector status qualification requirements and benefits are subject to change Any additional Miles required, and applicable taxes and fees are payable by the Basic Cardmember. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. 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. Compare the cost in points or miles to cash, and see which option is best. 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. Statement credit will be reversed if returns result in the required spend threshold not being achieved. Avion members get access to exclusive travel, food, wellness and entertainment offers. Read our Deserve EDU Mastercard for Students review. Before calling, make sure to have your correct identification and income information on hand to field any questions that the representative might have. If your Card is ever lost or stolen, we'll arrange to get you a new one as soon as possible. Included insurance types are more limited than the Brim World or World Elite Mastercards. Two types of insurance are provided: extended warranty and purchase protection. When an application gets denied, the provider must notify you to explain why. Helpful security features include transaction monitoring and alerts, zero liability for unauthorized use and Mastercard Identity Check. If you dont spend on the cards bonus categories, youll likely be better-served by a flat-rate cash back card. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. All Rights Reserved. Preferred rates: 19.95% for purchases and cash advances. After that, you will then earn 2% on eligible purchases. This could add up to 30,000 points in a year. If you pay less than the entire balance, know that youll pay even more in interest on the remainder, which will increase your debt. The last thing you want is to be a victim of. Merchants are typically assigned codes and categorized based on what they sell. No, American Express does not have a student credit card. View All Petal 2 "Cash Back, No Fees" Visa Credit Card Details. Once you have your student credit card in hand, there are many things you can do with it. 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. To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live. Over time, you can expect your credit score to increase. Your life doesn't keep regular office hours, so neither do we. They do require an ITIN if you don't have an SSN. 5. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. If your application for a student card is unsuccessful, dont immediately apply for another. Before you apply for one of the best student credit cards in Canada, you should compare everything available. Citi is an advertising partner. Many student credit cards are limited to those aged 18-24. Official application link: Capital One Quicksilver Student Cash Rewards Credit Card. Based in New York City, Stella is always on the road (or in the air). Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. Earn 150,000 points. Dont worry, we wont spam your inbox. However, this does not influence our evaluations. Linking an RBC Avion Visa Platinum card at Petro Canada allows cardholders to save three cents per litre on fuel, earn 20% more Petro-Points and earn 20% more RBC Rewards points. Don't lose any sleep. Or turn $100 into $200. Click 'Apply Now' for complete details. Scene+ points can be redeemed for travel purchase, merchandise and other non-travel rewards such as gift cards and prepaid cards. If you miss two or more payments in a row, your financial institution could increase your interest rate or consider your account delinquent. Check statements, set account alerts and more while you're on the go. 28. Access to memorable experiences with American Express Invites. To be eligible, you must be a student between the ages of 18 and 24 at a recognized post-secondary school, earn annual income from employment, scholarship/grant, student loan or family allowance, and have reached the age of majority in the province in which you live. We also focused exclusively on credit cards with no annual fee. Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Please allow up to eight weeks from the date the Bonus Mileswere earned for the bonus to be awarded to your Collector Account. That being said, in accordance with the Credit CARD Act of 2009, anyone under the age of 21 must be able to provide proof of independent income to be approved for a card. To qualify for the 50,000 bonus points, you must have at least $1,500 in net purchases posted to your account on or before your three (3) month anniversary date. 20. Click "Apply Now" to see terms and conditions. The up to $2,600 or more in value does not include the Cards annual fee. To get the best value, youll have to be loyal to Air Canada and the Aeroplan rewards program. You cant use that deposit to pay your credit card bill, but youd get it back if you ever closed your account in good standing. Plus, earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca with Shop with Points) by keeping your Account open, active and in good standing for the first 90 days. Our points-obsessed staff uses a plethora of credit cards on a daily basis. 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. Simplicity-seeking students wont have to track rotating bonus categories or maximize their spending (a possible distraction while trying to build credit) with this flat-rate cash back credit card, which offers unlimited 1.5% cash back on all purchases. It only includes purchase assurance and extended protection insurance. Account must be in good standing. Get all the convenience and security of an American Express Card while earning AIR MILES**reward miles. Our experts at CreditCards.com analyzed 109 student credit card offers to find our top recommendations. 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. Thats why she needs to get a card of her own when she can. 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. This information may be different than what you see when you visit a financial institution, service provider or specific products site. This offer is only available to new American ExpressGreen or Choice Card from American Express. Our top goal is simple: We want to help you narrow down your search so you dont have to stress about finding your next credit card. Be in Charge is a five-lesson Family Life curriculum that is a part of Health and Wellness education for rural Tennessee students in 9th or 10th grade. : ', '}}. No Annual Fee, earn cash back, and build your credit with responsible use. The higher your credit score, the more creditworthy you are to creditors. The Delta SkyMiles Blue American Express Card offers a simple way to earn Delta SkyMiles, plus travel benefits including free checked bags and priority boarding. You must redeem a minimum of 1,000 points per redemption. No fees whatsoever. Make her responsible for her spending. Student bank accounts offer low or no fees, unlimited transactions and other perks. Cash back when you send money abroad with a Simplii Financial Global Money Transfer. Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift card. Zero liability protection for lost or stolen cards. Tangerine is a virtual bank with no physical bank branches. For current or former Marriott Bonvoy American Express Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. I'm happy with my new card. *, Balance Transfer option is only available at time of online application. 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