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Best for: Students

The BMO CashBack® Mastercard® for students has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $125. You earn 3x on groceries and 0.5x at restaurants. Estimated first-year value is $500.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
Up to $125

Ends Oct 31, 2026

1st Year Value
$500

Pros

  • No annual fee
  • Welcome bonus of $125
  • 3x on groceries
  • Estimated 1st-year value of $500

Cons

  • Fewer premium perks
Best for: Students

The CIBC Aventura® Visa Card for Students has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 12,500 points. You earn 1x on groceries and 0.5x at restaurants. Estimated first-year value is $398.

Annual Fee
$0
Rewards rate
0.5x

CIBC Aventura

Welcome Bonus
Up to 12,500 points
1st Year Value
$398

Pros

  • No annual fee
  • Welcome bonus of 12,500 points
  • Estimated 1st-year value of $398

Cons

  • Fewer premium perks
Best for: Students

The CIBC Dividend® Visa Card for Students has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $125. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $477.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
Up to $125
1st Year Value
$477

Pros

  • No annual fee
  • Welcome bonus of $125
  • 2x on groceries
  • Estimated 1st-year value of $477

Cons

  • Fewer premium perks
Best for: No annual fee

The Tangerine Money-Back Credit Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $100. You earn 2x on groceries and 0.5x at restaurants. Estimated first-year value is $412.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
Up to $100

Ends Sep 30, 2026

1st Year Value
$412

Pros

  • No annual fee
  • Welcome bonus of $100
  • 2x on groceries
  • Estimated 1st-year value of $412

Cons

  • Requires good credit