How Do I Choose the Best Student Credit Card?
Looking for your first credit card as a student? Want to earn points to redeem for merchandise, gift cards, or your next reading week vacation? Maybe you’re more interested in earning cash back, to put just a little more money back in your pocket? Our credit cards for students have either low annual fees, or no annual fees, so you can choose a card that’s both affordable and rewarding.
RBC’s Top Student Credit Cards

RBC ION Visa
-
Special Offer
- Enjoy 6,000 Welcome Avion points upon approval. Apply by October 31, 2023 .^
- Earn 1.5X Avion points for every $1 spent on groceries, rides, gas, streaming, subscriptions, digital gaming and more.1
- No annual fee
- Annual Fee: $0
- Purchase Rate: 20.99%
- Additional Card: $0
- Cash Advance Rate: 22.99%*

RBC ION+ Visa
-
Special Offer
- Get 12,000 Welcome Avion Points on approval.1 Apply by October 31, 2023.
- Earn 3X Avion points for every $1 spent on groceries, food delivery, rides, gas, streaming, subscriptions, digital gaming and more.4
- Annual Fee rebated every month for students with eligible accounts.2

RBC Cash Back Mastercard
- No annual fee
- Unlimited cash back and up to 2% back on groceries1
- Purchase security and extended warranty protection
- Annual Fee: $0
- Purchase Rate: 20.99%
- Additional Card: $0
- Cash Advance Rate: 22.99%*
Frequently Asked Questions
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.
Our student friendly credit cards are generally easier
to qualify for as a student compared to other credit
cards and offer a great way to start building credit
history.
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 rewards are 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, 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 to speak with an advisor to learn more about this offer and how to apply.