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4.6/5
Our editorial rating rationale
- No annual fee
- 3% cash back on groceries
BMO CashBack Mastercard for Students
4.6/5
BMO Bank of Montreal
Fact Checked🏆 2026 Award Winner
Student Card
Best for: Students wanting no-fee grocery cash back
No Annual Fee
No annual fee Mastercard made for students, with 3% cash back on groceries, 1% on recurring bill payments, and 0.5% on everything else.
2026 Award Winner
This product won Best Overall Student Credit Card in the Maple Wallet 2026 Best Of Awards.
See all 2026 award winners →Annual Fee
$0
APR
21.99%
Cash Back
0.5%
Welcome Bonus
5%
Reward Rates by Category
Groceries
3%
Dining
0.5%
Gas
0.5%
Welcome Bonus
Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on balance transfers for 9 months
Key Features
No annual fee
3% cash back on groceries
1% on recurring bills
0.5 on all other purchases
Special discounts on car rentals and Cirque du Soleil shows