Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
- creditcardGeniusA no fee card that gives you reward miles and extra discounts at stores thanks to the free SPC membership it comes with.
- GreedyRates Team, GreedyRates.caThe BMO SPC MasterCard is the best option for Canadian students looking to build a credit history and earn the richest credit card rewards in the marketplace right now.
Interest Rates | |
---|---|
Regular APR Interest Rate | 19.99% |
Balance Transfer Interest Rate | 22.99% |
Cash Advance Interest Rate | 22.99% |
Rates & Fees | |
Annual Fee | $0.00 |
Balance Transfer Fee |
3% Maximum |
Cash Advance Fee |
$3.50 $5.00 fee charged at a financial institution/ATM outside Canada. |
Foreign Transaction Fee |
2.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
Over Limit Fee | $29.00 |
Late Payment Fee | $0.00 |
Promotions | |
Sign up bonus |
400 miles after spending $1,000 - On purchases within the first 3 months. - Get 400 Bonus Miles after your first credit card purchase. - Save 3¢ per litre at Shell until October 31, 2019. |
Rewards | |
All Purchases | 1 mile for $20 spent |
Restaurants | No |
Gas | No |
Groceries | No |
Hotels | No |
Travel | No |
Pharmacy | No |
Bills | No |
Additional Details |
Get double the Miles on every purchase at participating AIR MILES Partners |
Features & Benefits | |
Additional Card Holders | Yes |
Travel Accident Insurance | No |
Car Rental Insurance | No |
Car Rental Discount | No |
Extended Warranty | Yes |
Purchase Protection | Yes |
Zero Liability | Yes |
No Foreign Transaction Fees | No |
Emergency Assistance | No |
Concierge Service | No |
Price Protection | No |
Fraud Protection | Yes |
Free Credit Scores | No |
Wireless Payments | Apple Pay |
Virtual Cards | No |
Additional Benefits |
Exclusive SPC discounts from 10% to 15% at hundreds of your favourite stores. |
Eligibility | |
Minimum Security Deposit | $0 |
Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
Minimum Personal Income | |
Temporary Residents | No |
More | |
Additional comments | - |
Terms & Conditions | Official Terms & Conditions |
Suggest a correction |
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