BMO
BMO CashBack Mastercard
4.3·No-fee grocery cash back — a great first or student card
- Annual fee
- No annual fee
- Welcome bonus
- ~$125
- Top reward
- 3% groceries
- Strong no-fee grocery rate
- Easy approval, good for students
studenttravelno fee
CIBC Aventura Visa Card for Students review
3.5Rated by the CreditCardGuru Editorial Team
One of the better student cards in Canada thanks to the SPC+ perk and welcome points, even if earn rates are modest.
At a glance
- Annual fee
- No annual fee
- Welcome bonus
- ~$125
- Foreign tx fee
- 2.5%
- Network
- VISA
- Rewards
- points
- Purchase APR
- 21.99%
Rewards & earn rates
| Gas & EV charging | 1x |
| Groceries | 1x |
| Drug stores | 1x |
| Travel via CIBC Rewards Centre (CIBC by Expedia) | 1x |
| Everything else1 point per $2 spent | 0.5x |
Welcome offer: Up to 12,500 Aventura Points (up to $125 in travel value) (2,500 points for completing five onboarding activities within 60 days; 10,000 bonus points with $1,000 in net purchases in first 4 statement periods).
Pros & cons
Pros
- No income requirement makes approval accessible for students
- Free SPC+ membership adds real student value
Cons
- Low 0.5x base earn rate
- Sparse insurance coverage
Perks & insurance
Key perks
- No annual fee and no minimum income requirement
- Free SPC+ membership with discounts at 450+ brands
- Builds credit history while earning travel points
- Credit limit up to $5,000 for Canadian students
- Points never expire while the account is open
Insurance
- Common carrier accident ($100,000)
- Purchase security and extended protection
Rates & fees
- Annual fee
- None
- Purchase interest
- 21.99%
- Cash advance
- 22.99%
- Foreign transactions
- 2.5%
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
Similar cards to consider
Scotiabank
Scotiabank Scene+ Visa Card
4.0·No-fee Scene+ points — a solid first or student card
- Annual fee
- No annual fee
- Welcome bonus
- ~$50
- Top reward
- 2x groceries (sobeys group)
- No-fee Scene+ earning
- Good for groceries and movies