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Student Credit Cards in Canada

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Compare Student Credit Cards

Discover the best RBC student credit cards for first-time cardholders. Earn rewards points for travel, gift cards, and merchandise, or choose a cash back credit card for everyday student purchases or expenses.

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Choosing the Student Credit Card That Best Meets Your Needs

Explore our low and no annual fee cards

Many of our student credit cards have either low or no annual fees, so you can choose a card that’s both affordable and rewarding.

Consider what you spend money on

Every RBC student credit card earns you different rewards, depending what you spend your money on. From groceries and dining, to gas, travel and transit, choose a credit card that rewards you for your lifestyle.

Choose how you want to be rewarded

Want to earn points to redeem for merchandise, gift cards, or your next reading week vacation? Maybe you’re more interested in saving by earning cash back on your purchases? No matter what, we’ve got a student credit card for everyone.

Making the Most of Student Life in Canada

Discover a range of content, tools and resources to help you thrive as a student new to Canada.

Explore Useful Financial Resources for Students

How to Apply for a Student Credit Card

Find the Perfect Fit

Use our RBC Card Selector to find the best student credit card for you.

Help Me Choose

Compare Credit Card Rewards

Compare the different types of rewards our credit cards offer.

Compare Rewards

Apply Online Today

Once you find the right card, apply in five simple steps, and get a result in less than a minute.

FAQs

A credit card is a great way to start building credit history as using your card and paying it off before the due date every month shows you’re responsible with credit. Building a good credit history may make it easier to qualify for a car loan or a line of credit in the future.

They work like most other credit cards. You use them to make everyday purchases, and then make regular payments on the balance owing. The minimum payment amount showing on your statement is required to be paid each month. To avoid interest charges, you should pay your balance in full by your statement date.

You can earn rewards or cash back on purchases based on the card you’ve chosen. Plus, you can use your student credit card for cash advances if you have available credit. Note that you will be charged interest for a cash advance starting the day the advance is made and at a higher interest rate than your card’s purchase interest rate. You may also be charged an additional fee for each cash advance taken.

Are you interested in a no annual fee card? Do you want to earn points to redeem for travel, merchandise or gift cards? How about earning cash back on purchases like groceries, textbooks and more? Try our Credit Card Selector Tool to help narrow down what kind of credit card is most important to you.
If you have an RBC Advantage Banking account for students, you could benefit from discounts or rebates on your monthly or annual fees. Learn more about student banking accounts.
The minimum age to get a credit card depends on the province you live in. In Alberta, Manitoba, Saskatchewan, Ontario, Quebec and PEI, the minimum age is 18. In all other provinces and territories, the minimum age is 19.
If you are an International Student, please visit an RBC Branch or call to speak with an advisor to learn more about this offer and how to apply. Learn more here.