Please confirm you meet the minimum income requirements for this card by answering the following question(s):

BMO SPC Cashback MasterCard BMO SPC Cashback MasterCard

Save while you spend with this student-friendly credit card.

BMO SPC®** CashBack® MasterCard®*

Card
Just for students:
Exclusive discounts + cash back on every purchase.
Get $1 back for every $200 you spend3
19.9% Interest Rate9
$0 Annual Fee9

Features

Exclusive Benefits

A card designed to help you save while in school

Safety & Security

We've got you covered on protection for your purchases

Travel Services

Get around-the-clock coverage
whether you're in Canada or abroad.

Global Access

Make purchases and access your funds, no matter where you are.

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Exclusive Benefits

Exclusive Benefits

Ideal for students who
  • Want a credit card with no annual fee
  • Love to get discounts
  • Want to earn a cash rebate with every card purchase
Annual 0.5% cash rebate on your credit card

That's $1 back for every $200 you spend — with no limits or restrictions on how you spend it3

Enjoy Student Discounts

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




Designed for Students

No reference letter or parent's signature is needed to apply for this student credit card.

We've Got You Covered

You're covered against unauthorized use of your credit card.31

We`ve Got Your Purchases Covered

Credit card purchases are insured against theft or damage for 90 days.5



Features Of Every Card



Extended Warranty

Save the cost of buying optional extended warranty insurance on your next purchase by paying with your BMO credit card. This coverage doubles the original manufacturer's warranty period up to a maximum of one additional year.8

Download insurance certificate (PDF) for full-coverage details
Purchase Protection

Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.8

Download insurance certificate (PDF) for full-coverage details
Zero Dollar Liability

Get free protection from both theft and fraudulent use of your card. 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 notify us by telephone within 24 hours if you learn 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.

Help Around the World and Lost or Stolen Card Replacement Funds from MasterCard Global Service

Whether you've left your wallet in the airport or are lost in Paris and need to locate an ATM, you can call us 24 hours a day, 365 days a year. We'll connect you with a representative who speaks your language, and can help with:
  • Lost or stolen cards
  • Emergency replacement cards or up to $1,000 in emergency funds24
  • Locate an ATM that accepts MasterCard, Maestro®*, and Cirrus®* brands
  • Access account-related information
  • Access any applicable card benefits
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Travel Services

Travel Services

Get around-the-clock coverage, whether you're in Canada or abroad.

Add any of these comprehensive travel or insurance options to your BMO MasterCard account.


® 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 Inc. Used under license.
®** Trade-mark/registered trade-mark of Student Price Card Ltd.
®†# IDefence® is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.
TM†# IDefence Plus is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.
TM†#CreditDefence is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.

Report Lost/Stolen Card
1-800-361-3361
Outside Canada or the U.S. call collect 514-877-0330