2 great student cards with no annual fee!

 

 

BMO SPC®** CashBack® MasterCard®*

BMO SPC ®** CashBack ® MasterCard ®*

Apply Now
  • Limited time: Earn bonus $50 Cash Back3
  • Get 1.0% CashBack on ALL card purchases4, with no restrictions
BMO SPC®** AIR MILES®† MasterCard®*

BMO SPC ®** AIR MILES ®† MasterCard ®*

Apply Now
  • Limited time: Get 400 AIR MILES Bonus Miles1!
  • 1 AIR MILES reward mile for every $20 that you spend on your credit card8




Common features between credit cards:

 

 

  • SPC®** discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores
  • Free extended warranty and purchase protection: Credit card purchases are insured against theft or damage for 90 days5.
  • Zero Dollar Liability: You're also covered against unauthorized usage6.
  • $0 Annual Fee7

19.99% for Purchases7
22.99% for Cash Advances7.

 

 


Rewards Calculator

 

See how much you could earn in a year on every purchase you make.

 

How much do you spend on your credit card each month?

 

 

  • $0
  • $5,000

BMO SPC CashBack MasterCard
BMO SPC AIR MILES MasterCard
BMO SPC®** CashBack® MasterCard®* Just for students: Exclusive SPC discounts + CashBack on every purchase. Get 1.0% CashBack on ALL card purchases, with no restrictions

BMO SPC®** CashBack® MasterCard®*


Rewards Summary

 

First Year Welcome Bonus3

 

$50

 

Total CashBack Earned

 

$50 Per Year

*Credited towards your account

 

BMO SPC AIR MILES MasterCard Just for students: Exclusive discounts + FREE rewards. Limited time offer: Earn 500 Bonus AIR MILES reward miles.*

BMO SPC®** AIR MILES®† MasterCard®*


Rewards Summary

 

First Year Welcome Bonus

 

500
AIR MILES reward miles1

 

Total CashBack Earned

 

500 per year

 

 

 


BMO SPC CashBack MasterCard credit card

 

Here is an example:

 

  • Spend $500 a month on your Card
  • Earn $60 CashBack per year

 

Tip: Enjoy Student Discounts

 

  • SPC** discounts of 10% to 15% at hundreds of your favourite stores

What can you redeem with your AIR MILES rewards miles?9

 

Travel27

Toronto to Thunder Bay
(900 reward miles)
Vancouver to Kelowna
(900 reward miles)
St. John's to Halifax
(900 reward miles)
Calgary to Fort McMurray
(900 reward miles)

Merchandise


Use of reward calculator is for illustrative purposes only. Values displayed valid as of May 13, 2015.
Rewards are subject to availability at time of redemption. Merchandise items may change without prior notice.

Terms and Conditions

 

1 Bonus offer is limited to new accounts and will be applied to your Collector Account within forty-five (45) days after your first purchase. Applications must be received between January 4, 2016 and April 30, 2016. Limit of one Bonus offer per Account. If you cancel your card within 30 days of opening your account, the Bonus reward miles will be cancelled. Existing BMO AIR MILES MasterCard customers or those who cancel their card between January 4, 2016 and April 30, 2016 are not eligible. This offer is time limited and may be changed, extended or withdrawn at any time without notice.

 

 

2 N/A

 

 

3 Bonus offer is limited to new accounts. Applications must be received between January 4, 2016, and April 30, 2016. 5,000 CashBack bonus points ($50 in CashBack rewards) are only available to new BMO CashBack MasterCard cardholders and will be applied to your account within forty-five (45) days after your first card purchase and not be awarded to current or former cardholders who reinstate a closed account or who open a new account. If you cancel your card within thirty (30) days of opening your account, the Bonus points will be cancelled. This offer is time limited and may be changed, extended or withdrawn at any time without notice.

 

 

4 Offer is cumulative over the statement period. Award of CashBack rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, payments, credit or debit adjustments) and is subject to the CashBack RewardsTerms and Conditions. The number of CashBack rewards will be rounded down to the nearest cent.

 

 

5 Purchase Protection and Extended Warranty Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).

 

 

6 If your card is used without your authorization, you will not be liable if: you did not contribute to the unauthorized use you used reasonable care to safeguard your card and PIN you notified us by telephone within 24 hours after you learned of the loss, theft or misuse of your card or cheques, or after you suspected that someone else knows your PIN you have not reported two or more unauthorized transactions in the last 12 months, and your account is in good standing. If you don't meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.

 

 

7 Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances includes Balance Transfers, cash-like transactions and MasterCard cheques. Visit your branch; call the Customer Contact Centre at 1-800-263-2263, or visit bmo.com/creditcards for current rates and fees.

 

 

8 Offer is cumulative over the statement period. Award of AIR MILES reward miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, payments, credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.

 

 

9 All rewards are subject to the terms and conditions of the AIR MILES Reward Program and are subject to change and may be withdrawn without notice. Some restrictions apply. Quantities may be limited. Flights are based on the AIR MILES Reward Program Low Season schedule. Required number of reward miles is determined by the departure date.

 

 

10 Exclusive 25% Flight Discount: Fly on any AIR MILES flight within North America for 25% fewer reward miles when you book through airmiles.ca or by calling 1-888-247-6453. For example, you could redeem a 1,300 reward miles flight for only 975 reward miles.* * If you have the BMO AIR MILES World MasterCard or BMO AIR MILES World Elite MasterCard, when you redeem AIR MILES reward miles for a flight in North America you will receive a 25% discount from the number of AIR MILES reward miles you would ordinarily require. North America includes flight travel within Canada, from Canada to the United States of America, including Hawaii and Alaska, excluding Puerto Rico and flight travel within the United States, and flight travel to and from Mexico. This benefit does not apply to Cash + Miles Rewards. For flight redemptions: There are no blackout periods. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. The mileages quoted are for low season, round-trip travel on economy flights under the regular AIR MILES flight offer. This benefit cannot be combined with any other offer. To redeem for Travel Rewards, you must have accumulated sufficient AIR MILES reward miles in your Dream Balance. Collectors must pay applicable surcharges, fees and taxes on air travel Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto (416) 226-5171).

 

 

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  • ® BMO Is a registered trademark of Bank of Montreal.
  • TM BMO Is a registered trademark of Bank of Montreal.
  • ®* MasterCard is a registered trademark of MasterCard International Incorporated. Used under license.
  • ®† AIR MILES is a trademark of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal.