COMPARE STUDENT CREDIT CARDS
Take advantage of great credit card offers today and start saving
MOST POPULAR CREDIT CARDS
Female handing over credit card to another
Sort By:
Featured Companies
Amex logo BMO logo mbna logo scotiabank logo amex logo BMO logo mbna logo scotiabank logo

Rates.ca Credit Cards

Designed specifically with college and university students in mind, student credit cards are not only a convenient way to pay for everyday purchases but a fantastic tool to help develop a credit history.

Credit card companies realize that students enrolled in colleges and universities across Canada have limited financial resources and many have little or no previous credit history. Student credit cards are a suitable means to build a positive credit history that will carry over beyond graduation, and perhaps facilitate future borrowing for household mortgages and/or car loans.

One of the first lessons, financial experts (or concerned parents) suggest for those selecting a student credit card is learning to pay off the card balance each month or, at the very least, pay significantly more than the credit card issuer's minimum payment. This could help establish a better credit rating and may eventually result in an increase in credit limit, if that's desired.

Since there are several student credit cards offered with various features and costs, candidates will have to do their research, something students should be all to familiar with.

Before applying for a student credit card it is important to understand:
  • What is the interest rate on the card?
  • What, if any, is the annual fee attached?
  • What are the benefits of the card?

Additionally, students should examine other fees that may be associated with the card including late payment fees, over limit fees, foreign exchange fees on overseas purchases, and also what the grace period is, as this may vary from card to card.

It is interesting to note that the Canadian University Survey Consortium's 2012 study of 15,000 graduating students, shows that 6 in 10 students are working, the vast majority pay off their credit card bills each month and only one-third have a debt load that exceeds $20,000.
Credit Card Guides
Thumbnail image of guide
Choosing the Right Credit Card
Thumbnail image of guide
Credit Cards & Your Credit Score
Thumbnail image of guide
Interest Rates For Credit Cards
Thumbnail image of guide
Avoiding Credit Card Fraud
Thumbnail image of guide
Credit Cards With No Or Bad Credit
Stay On Top of Your Finances
Sign up to subscribe to our newsletter, receive alerts when rates change or schedule a reminder prior to the renewal of your insurance policy and/or mortgage
FAQ
Are there any fees associated with comparing rates on Rates.ca?
Comparing rates on Rates.ca is absolutely free! We get paid by the brokers and financial services companies we work with so our service always remains free for the consumer.
What products can I compare on Rates.ca?
Currently you can compare car insurance quotes, mortgage rates and credit card offers.
What provinces is Rates.ca available in?
Car insurance is currently only available to Ontario & Alberta residents. Mortgages and credit cards are available across Canada.
How will the information I provide on the site be used?
Any information that you provide on Rates.ca will only be transferred to the financial services provider who you've chosen to share it with in order to fulfil your request. We will not sell your information to any third parties without your consent.
Is Rates.ca a broker?
Rates.ca is not a broker and is not affiliated with any particular financial services company. This allows us to take an objective/un-biased position in helping you compare products on our site.
How does Rates.ca make money?
We get compensated by insurance and mortgage brokers for referrals we send to them and by credit card issuers for approved credit card applications originating from our site. We only send referrals to our partners when you indicate that you want to be contacted by them. We do not sell your information to third parties without your consent.
How do I change my email address?
If you're subscribed to one of our services you can change your email on the Subscriptions page. Every one of our emails also contains a link at the bottom to edit your subscription and change your email. Lastly, you can send an email to [email protected] to request the change.
Does it matter what browser I use to access Rates.ca?
Rates.ca is compatible across all browsers and devices. If you do however spot an issue using a particular browser/device please notify us by emailing [email protected]
How do I change my subscription preferences?
Simply click on "Edit Existing Subscriptions" at the top of the Subscriptions page. You will be promoted to enter your email and check your inbox for an email from us containing a link to edit your current subscriptions. Every Rates.ca email also contains this link at the bottom. You will be able to change your subscriptions as well as unsubscribe. You may also email [email protected] to request any changes to your subscriptions.
How do I contact Rates.ca?
You may contact us via email at [email protected] or call 1-844-726-0907.
Rates.ca, 360 Adelaide Street West, Suite 100, Toronto, ON M5V 1R7, Canada
© 2018 Rates.ca. All Rights Reserved.