best cash back credit cards for graduate students

Credit card rewards are actually one of the top ways my husband and I 'saved' money while we were in grad school, even though we rarely. Capital One offers a Journey Student Credit Card that is a great option for international students. They don't charge any annual fees and give a 1% cash-back on. Find the best credit cards for students in Australia. Get $400 cashback when you spend $4,000 on eligible purchases within the first 120.

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Best Credit Cards for Students, New Grads, and Beginners in 2020! // Credit Scores \u0026 Interest Rates

Everyday Long Term Balance Transfer Credit Card

Our longest balance transfer offer

A picture of Santanders Everyday Credit Card
  • 0% interest on balance transfers for 31 months from account opening (2.75% balance transfer fee applies, min £5)
  • 0% interest on purchases for 3 months from account opening
  • No monthly account fee

Representative example 

Representative 20.9% APR (variable)

Assumed credit limit £1,200

Check your eligibility

Purchase rate 20.9% p.a.

Monthly fee £0

Full details

All in One Credit Card

An all round credit card

A picture of Santanders All in One Credit Card
  • 0% interest on balance transfers for 26 months from account opening with no balance transfer fee
  • 0% interest on purchases for 20 months from account opening
  • 0.5% cashback on all your purchases
  • £3 monthly account fee

Representative example 

Representative 23.7% APR (variable)

Assumed credit limit £1,200

Check your eligibility

Purchase rate 17.9% p.a.

Monthly fee £3

Full details

Everyday No Balance Transfer Fee Credit Card

Save on balance transfers

A picture of Santanders Everyday Credit Card
  • 0% interest on balance transfers for 18 months from account opening 
  • No fee to transfer a balance for the first 18 months
  • 0% interest on purchases for 3 months from account opening
  • No monthly account fee

Representative example 

Representative 20.9% APR (variable)

Assumed credit limit £1,200

Check your eligibility

Purchase rate 20.9% p.a.

Monthly fee £0

Full details

Santander World Elite™ Mastercard®

Get premium features

A picture of Santanders World Elite Credit Card
  • Access to over 1000 airport lounges and over 1 million Wi-Fi hotspots worldwide
  • No foreign transaction fees on purchases made abroad in the local currency
  • 24/7 concierge service, cashback on everyday spend and much more
  • £15 monthly account fee

Representative example 

Representative 49.8% APR (variable)

Assumed credit limit £1,200

Check your eligibility

Purchase rate 18.9% p.a.

Monthly fee £15

Full details


After you graduate from high school at age 18, you are now considered an adult in many of the provinces and you should start taking your finances seriously if you are not already doing so. Now is the time to start building an excellent credit profile, avoiding debt, saving money, and planning for a great financial future.

And, if you are looking to pick up a credit card upon entry into university or college, this list of the best student credit cards in Canada is a great place to start.

  • Tangerine Money-Back Credit Card: best for flexible cash back 
  • BMO Cash Back Mastercard: best for flat-rate cash back rewards
  • Scotiabank SCENE Visa Card: best for free movies
  • PC Financial Mastercard: best for grocery cash back
  • BMO Air Miles Mastercard: best for student travel rewards
The best student credit cards in Canada

What Are Best cash back credit cards for graduate students Credit Cards?

Student credit cards are specifically designed for those pursuing post-secondary education and who are at least 18 years of age or the age of the majority in their province of residence.

While you may not be earning a significant income as a college student, a credit card is handy for building your credit history so it is easier for you to access credit facilities when you want to buy your first car or home in the future.

Student credit cards are easier to qualify for, however, the funds they make available to you should not be considered as ‘free’ money. You need to be responsible with your use of credit and pay off your entire balance every month if you want to enjoy the benefits that come with an excellent credit profile.

In addition to building your credit history, the best credit cards offer you rewards, such as cash back and travel benefits. Student credit cards can also serve as a starter credit card for first-time credit card users or newcomers to Canada.

The Best Student Credit Cards for 2021

These credit cards fit the bill for best student cards and offer no- or low-fees, everyday rewards, and they have no- or low-minimum income requirements.

1. Tangerine Money-Back Credit Card

The Tangerine 2% Money-Back Card is a great student card and also makes my list best cash back credit cards for graduate students the best cash back credit cards in Canada. It offers:

  • $0 annual fee
  • 2% unlimited cash back on up to 3 categories of spending including groceries, entertainment, public transportation, recurring bill payments, etc. 
  • 0.5% unlimited cash back on all other purchases
  • Extended warranty and free purchase assurance
  • Balance transfer at a low rate of 1.95% for 6 months

You get to choose how you want to redeem your cash back, whether as a credit card statement to pay down your credit card balance or as a deposit in your Tangerine Savings Account. The latter option increases your 2% cash back categories from two to three. 

For a limited time, best cash back credit cards for graduate students cardholders earn an extra 15% cash back on up to $1,000 spent in the first 2 months ($150 value).

You can also read our detailed Tangerine Money-Back Card review.

tangerine money-back card

2. BMO Cash Back Mastercard

The BMO Cash Back Mastercard is a no-annual-fee credit card that fits in well in the student cash back rewards category. It offers:

  • $0 annual fee
  • Earn 3% cash back on grocery purchases, 1% cash back on recurring bill payments, and 0.5% cash back on all other purchases. The 1% and 3% cash back categories are subject to a maximum spending of $500 per month
  • Earn 1% cash back on all purchases after the bonus period
  • 1.99% balance transfer rate for 9 months
  • Extended warranty and purchase protection
  • Up to 25% discount on car rentals
BMO Cashback Mastercard

3. Scotiabank SCENE Visa Card

The SCENE Visa Card for students is a nice starter card and great for getting free movies. It offers:

  • $0 annual fee
  • $12,000 pnc bank mobile check deposit limit income requirement
  • Earn 1 SCENE point on every $1 spent on everyday purchases
  • Earn 5 SCENE points for every $1 spent at Cineplex theatres or
  • Earn 1,250 bonus SCENE points after your first purchase (worth 1 free general Admission or 3D movie ticket)
  • Save up to 25% when you rent a car at participating AVIS and Budget locations

You can redeem your SCENE points for free movies or at participating restaurants including Swiss Chalet and East Side Mario’s at a rate of 1,000 points for $10 off your food/drink purchase. See how the SCENE point system works at redemption.

SCENE Visa Card

4. PC Financial Mastercard

The PC Financial Mastercard is a great store credit card for students to earn points and claim free grocery rewards, especially if you regularly shop at the Real Canadian Superstore and Shoppers Drug Mart. It offers:

  • $0 annual fee
  • Earn 25 PC Optimum points per $1 spent at Shoppers Drug Mart
  • Earn 10 points per $1 spent at Superstore and 20 points per $1 spent on PC Travel
  • Earn 3 cents per litre when you buy gas at Esso or Mobil stations
  • Earn 10 points per $1 spent elsewhere
  • Free extended warranty and purchase protection
  • Balance transfer at a low rate

You can redeem 10,000 PC Optimum points for $10 worth of rewards in-store.

PC Financial Mastercard

5. BMO AIR MILES Mastercard

The BMO Air Miles Mastercard for studentsis a great student travel care and offers:

  • $0 annual fee
  • $0 income requirement
  • Get 1 reward mile per $20 spent
  • Earn double the miles at participating retailers
  • Extended warranty and purchase protection
  • 1.99% balance transfer rate for 9 months
  • Up to 25% discount on car rentals

You can redeem your Miles for travel or merchandise.

BMO Air Miles Mastercard

Student Credit Cards – Conclusion

The bottom line with these student credit cards is that they are easy to qualify for, charge no annual fees, and offer some level of free rewards.

To qualify, you must be the age of the majority in your province which is 18 years in Alberta, Manitoba, Quebec, Ontario, Saskatchewan, and PEI; and 19 years in British Columbia, New Brunswick, Nova Scotia, Newfoundland and Labrador, the Northwest Territories, and Yukon.

Use your credit wisely by paying off your full balance within the 21-day grace period and avoid using your credit card for cash advances like the plague. An excellent credit score comes in handy later in the future when you need financing for significant monetary undertakings such as when you decide to buy a home in Canada.

If you are responsible with credit now, your future self will thank you when you are able to qualify for the best rates possible and save on fees!

If you are only looking for a card to make easy payments online/in-store and to earn cash back when you spend, the free KOHO Prepaid Visa earns cash back at a 0.50% rate. You also earn a 1.20% interest on your balance if you set up a direct deposit.


Best Student Credit Cards FAQ

What mobile homes for sale under 5000 in south carolina the best student credit card in Canada?

If you earn up to $12,000 in personal income per year, the Tangerine Money-Back Mastercard is our number one choice for a student credit card. Following that, we recommend the BMO CashBack Mastercard.

What is the easiest student credit card to get?

The Tangerine Money-Back Credit Card, Scotiabank SCENE Visa Card, and BMO CashBack Mastercard all have bare minimum eligibility requirements. All three cards also do not have an annual fee.

Can I build credit with a student credit card?

Yes, a student credit card works like air force federal credit union shared branches regular credit card, and your transactions are reported to the credit bureaus. If you pay your balances on time, it helps to raise your credit score over time.

What is the best student credit card for poor credit?

The Tangerine Money-Back credit card accepts credit scores starting at 600+ and is a great choice for students who have poor credit.

5 Best Student Credit Cards in Canada for 2021

Best credit cards for college graduates

Just finished school? Congrats! It wasn’t always easy, but you made it. As you get started on your credit journey, here are some of the best credit cards for college graduates, whether you just walked across the stage or decided to go back for more in grad school.

However, since the CARD Act went into effect in 2010, it became difficult to get a credit card before turning 21. It’s technically possible to get a credit card in your own name as long as you’re at least 18 years old and have proof of income, though lenders are much more strict than when your parents were in their late teens and early 20s.

What to know before applying for a card

Before we talk about picking a card, it’s crucial to highlight the importance of paying your credit card bills in full and on time. With an average interest rate just north of 16%, it’s expensive to carry credit card debt from month to month.

Many young adults shy away from credit cards for this reason. They generally prefer debit cards, and they often use “buy now pay later” services such as Affirm and Afterpay when they need a little more time to pay off a purchase (hopefully without interest). However, credit cards offer better buyer protection, and there’s tremendous rewards potential as you get more established.

It’s important for young adults to use credit cards for at least some of their purchases to establish a strong credit history. This will serve you well in so many ways, including the ability to rent an apartment and sign up for a cellphone plan, and later access other financial products such as mortgages, car loans and more lucrative, luxury credit cards.

For newly-minted high school grads

If you just finished high school, your best bet is probably either a student credit card or a secured credit card. It’s also worth considering getting on a parent’s credit card as an authorized user. This can jump-start your credit history and help you access more prestigious rewards right away.

Recent college grads have even more to consider

If this describes you, the good news is that it’s easier to obtain credit in your own name, but more opportunities bring more questions. Your first best cash back credit cards for graduate students should be to check your credit score. According to a 2019 report by Sallie Mae, 13% of college grads didn’t know their credit score. While most credit card issuers are looking for scores in the upper 600s or better, 73% of college graduates estimated their credit scores to be 651 or above.

Here are some excellent credit card options best cash back credit cards for graduate students consider, depending on where you are with your credit.

Best credit cards for college graduates and grad students

Petal 2 “Cash Back, No Fees” Visa Credit Card: Best for limited credit

It’s possible that you don’t have a credit score at all if you’re just starting out. Or if you do, it might be relatively low. That’s OK. You can usually bring it up pretty quickly, and there are credit cards that cater to people in your situation.

For example, we recommend looking into the Petal 2 “Cash Back, No Fees” Visa Credit Card. It offers a rewards structure that incentivizes responsible card usage, which can help you train yourself meredith village savings bank alton nh become a responsible cardholder. To start, you’ll earn 1% cash back on eligible purchases. This rate then will increase to 1.25% cash back on eligible purchases after you make six monthly payments on time, and to 1.5% on eligible purchases after 12 on-time, monthly payments.

The best part is Petal practices forms of cash flow underwriting, which go well beyond the credit score and looks at how much money you have coming in and how much you have going out. This allows the issuer to get more detailed information and potentially approve more people with higher credit limits.

Those higher limits are a huge advantage over secured credit cards, which often limit your purchasing power to no more than a few hundred dollars. The higher your credit limit, the easier it is to keep your credit utilization low – and that’s great news for your credit.

Discover it Secured Credit Card: Best secured card

Speaking of secured credit cards, don’t overlook them if you’re building credit. Despite the security deposit requirement, they can be quite helpful on your credit-building journey – and even earn you plenty of rewards.

Secured cards that offer rewards aren’t that common, but recently, more products of this type have been coming to the market.

The Discover it Secured Credit Card has long been one of the best secured credit cards out there. With this card in your wallet, you can start building a relationship with one of the top credit cards issuers.

You’ll also earn:

  • 2% cash back at gas stations and restaurants (up to $1,000 in purchases per quarter)
  • 1% cash back on other purchases

On top of that, Discover will match all the cash back you earn best cash back credit cards for graduate students the first year with the card. Depending on your initial security deposit, you may be able to earn your money back just in rewards within the first year.

Discover will review your account monthly after your first eight months with the card to determine whether you qualify for graduating to an unsecured card. If that’s the case, you’ll get your deposit back.

Discover it Student Cash Back: Best student credit card

If you’re continuing your education as a graduate student, there’s another Discover card we can recommend: the Discover it Student Cash Back.

Like other student cards, it may have more relaxed approval requirements. What makes the Discover it Student Cash Back stand out, however, is its generous rewards structure.

With this card, you’ll earn 5% cash back on rotating quarterly bonus categories (up to $1,500 per quarter, then 1% – enrollment required). Like the Secured card from Discover, the Student Cash Back also matches all the cash back you earn in the first year. Plus, you’ll get a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.

Considering the card doesn’t charge an annual fee, that’s some impressive earning potential.

Capital One QuicksilverOne Cash Rewards Credit Card: Best for fair credit

If your credit is average, you can start looking into unsecured credit cards from top issuers.

It’s not unheard of to get approved for a credit card marketed for good credit while having a fair credit score. But when your credit is young and you’re working to build it, it’s probably not the kind of risk you want to take. Every credit card application will result in a hard inquiry on your credit report. A hard inquiry stays on your report for two years and can negatively impact your scores for one year.

Instead, it’s safer to look into cards marketed for fair credit. One of such cards is the Capital One QuicksilverOne Cash Rewards Credit Card – and it’s a pretty decent offer.

You’ll earn unlimited 1.5% cash back on all purchases, which is a simple rewards structure great for those just starting their credit card journey. Capital One will also consider you for a credit limit increase after the first six months of on-time payments.

The only caveat is the card’s $39 annual fee, which can significantly eat into your cash back rewards. Still, if you put most of your spending on the QuicksilverOne, the rewards can be decent. Plus, once your credit improves, you can request a product change to a card with better terms – Capital One is arguably one of the easiest issuers to deal with when it comes to switching cards.

Chase Sapphire Preferred Card: Best starter travel card

If you’ve graduated not only with a degree, but also with a good credit score, using your time in college to practice good credit habits, you have a lot of options when it comes to credit cards.

At this point, you may be considering getting into travel credit card rewards. But which card should you start with?

The Chase Sapphire Preferred Card is a great card to get you into travel rewards.

With this card, you’ll get:

  • $50 annual Ultimate Rewards Hotel Credit
  • 5 points per dollar on Chase Ultimate Rewards travel (excluding hotel purchases that qualify for the $50 annual hotel credit)
  • 3 points per dollar on restaurants, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs)
  • 2 points per dollar on all other travel purchases
  • 1 point per dollar on general purchases

Ultimate Rewards points are flexible and offer significant value. With most redemption options on this card, you’ll get a value of 1 cent per point. However, if you redeem for travel through the Ultimate Rewards portal, your points get a value boost to 1.25 per point.

The card charges a comparatively modest annual fee for its class – $95 per year. It’s still a financial commitment, but if your goal is to move to more lucrative cards, the Chase Sapphire Preferred can offer some practice.

Currently, the card comes with a generous 60,000-point bonus after you spend $4,000 in the first three months. This spend requirement may seem quite hefty, but if you redeem the bonus for travel through Chase’s portal, you’ll get $750 in value.

Not a bad way to get into travel rewards, is it?

Bottom line

You won’t get rich off the rewards on most of these cards, but that’s not the point. When you’re new to credit, it’s all about establishing a strong track record of on-time payments while avoiding too much debt. Even if you just put an occasional small purchase on the card and pay it off right away, you’re making progress toward a strong credit score, which will serve you very well in the future.

Editorial Disclaimer

The editorial content on this page is based solely on the objective one main financial loan requirements of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Ana Staples is a staff reporter and young credit expert reporter for and covers product news and credit advice. She loves sharing financial expertise with her reader and believes that the right financial advice at the right time can make a real difference. In her free time, Anastasiia writes romance stories and plans a trip to the French Riviera she'll take one day—when she has enough points, that is.


Best Student Credit Cards 2021

  • Annual fee: free
  • 1% unlimited cashback on dining, entertainment, online shopping & telco
  • No minimum spend requirement
  • S$500 credit limit
  • Access to CIMB Deals & Discounts
CIMB AWSM Card is an excellent option for students, and the absolute best card for salaried employees earning less than S$30,000/year. In fact, CIMB AWSM Card is one of the only cards on the market open to salaried employees with low-incomes (who otherwise, would not qualify for typical cards requiring salaries of S$30,000+ for approval).

CIMB AWSM Card is still one of the best options for students as well. Cardholders earn a high 1% unlimited rebate on dining, entertainment, online shopping & telco–key spend categories for young adults. There’s no minimum spend requirement, and the card is free forever, making it a great way to earn stress and maintenance-free cashback. Finally, students can access CIMB Deals & Discounts, which offer travel, dining and regional promotions across Singapore, Indonesia and Malaysia.



Earn top-tier rewards and build credit history with Discover it® Student Card.

No annual fee, No credit score required to apply*

Annual Fee: None.22.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. the reach key west spa APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. best cash back credit cards for graduate students

Earn a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.1

Discover it® Student Cash Back Credit Card

Why Discover it® Student Cash Back Card?

Students earn 5% cash back on everyday purchases during the school year (and all year long) at different places each quarter, such as

  • Amazon.com14
  • Grocery stores
  • Restaurants
  • Gas stations
  • When you pay using PayPal15

up to the quarterly maximum when you activate.

And all your other purchases still earn 1% cash back automatically, with is good friday a major holiday limit.

With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.2 So you could turn $50 cash back into $100. Or turn $100 into $200.

The Discover it® Student Cash Back card gives you 5% back at places you love to shop

5% at, and

on up to $1,500 in purchases when you activate.3

5% at Grocery Stores and Fitness Club & Gym Memberships

on up to $1,500 in purchases when you activate. Excludes Walmart and Target purchases.4

5% at Gas Stations and Target

on up to $1,500 in purchases when you activate.5

5% at Restaurants and PayPal

on up to $1,500 in purchases when you activate.6

5% at and Digital Wallets

on up to $1,500 in purchases when you activate. 7

99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.8

Discover it® Student Credit Card FAQs

While paying a bill can be daunting, Discover offers convenient email and text alerts you can activate to help you when the following happens:

        a. Your statement is available.

        b. Your minimum payment is due.

        c. Your payment is posted.      

        d. Your card is declined.

        e. Merchant refund is posted.

        f. Balance transfer is posted.


These alerts can also be cancelled at any time. Interested? You can sign up here

Feel like you are ready to take on more credit? You can apply by requesting an increase online, or you can call us at 1-800-DISCOVER. Note that you must be at least 21 years old to apply for a credit line increase on the phone.


When you graduate, call us to update your income and personal information such as your income, housing, e-mail and address. Updating this information may make you eligible for credit line increases.

While many things might be changing in your life, your Discover Student card doesn't have to. You'll still keep many of the same benefits on your credit card. When you graduate, we encourage current student card members to call us to update make a car payment capital one personal information such as income, housing, e-mail and address. This may make you eligible for credit line increases.

Discover Student credit cards are meant to give you the opportunity to build your credit history, and earn cash back rewards on purchases.

While the concept of "building credit" may sound like a lot of hard work, it's a fairly simple process. These are ways to build your credit responsibly.9

  • Make all payments on-time
  • Either pay your balance in full, or try to pay more than your minimum each month
  • Avoid carrying a balance -- meaning you pay your balance in full and on time each month -- in order to avoid paying interest on purchase.
Choose from several colorful Discover Card designs

Which Discover it® Card design fits your style?

Choose from several colorful card designs when you apply to become a cardmember. Go ahead – express yourself.

Designed just for students

The Discover it® Student Cash Back Card helps you build credit with responsible use9 with our lowest intro APR: 0% Intro APR for 6 months on purchases.  Then 12.99% - 21.99% Standard Best cash back credit cards for graduate students Purchase APR will apply.

Discover it® Student Cash Back Card designed for Students

Why students love the Discover Student It® cash back card

x Average of x Reviews

Read All Reviews

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This card is GREAT for college students with no annual fees and the cashback with the end of the first year's match. The features on the Discover app are great.  I recommend this jp morgan chase bank customer service to anyone and everyone!


: Best cash back credit cards for graduate students

Best cash back credit cards for graduate students
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Best cash back credit cards for graduate students
Best cash back credit cards for graduate students
Best cash back credit cards for graduate students
best cash back credit cards for graduate students

2 Replies to “Best cash back credit cards for graduate students”

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