MastercardFX: 2.5%Cash BackNo Annual FeeStudent
BMO
BMO Cash Back Mastercard (Student)
Cash Back
First Year Bonus
~$100
Welcome Bonus
5% cash back (first 3 months)
Annual Fee
$0
Spend Required
$0
Get notified when this offer goes elevated
We'll email you if BMO Cash Back Mastercard (Student) runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Earn rates
3%
grocery
1%
recurring bills
0.5%
all other purchases
Points value: Cash back (1¢/pt equivalent)
Lounge access
No lounge access
Additional perks
- ✓No annual fee for students
- ✓3% on grocery for a student card
- ✓Good first credit card
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkMastercard
Annual fee$0
Foreign fee2.5%
Income req.Student (no minimum income)
ProgramCash Back
