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Free Chequing & Savings Account

 

  • Free banking while you're a student and for up to one year after you graduate
  • Free SPC Card
Learn more

 

Apply now

 

BMO® SPC CashBack® MasterCard®*

 

  • No annual fee
  • Built in SPC discounts
Learn more

 

Apply now

 

BMO® SPC AIR MILES® MasterCard®*

 

  • No annual fee
  • Built in SPC discounts
Learn more

 

Apply now

 

Student Line of Credit

 

  • Use it to pay tuition, books, rent, meal plans - anything you need.
    Low interest payments

 

Learn more

 

Apply now

 

BMO Extra Deals

 

  • Download the SPC App and register your BMO SPC card to get exclusive student offers weekly.

 

 

 

 

 

Student Budget Tools and Advice

 

It’s never too early or too late to plan for your financial future.

 

BMO Manage My Finances

Get insights to help you make better choices.

 

Student Budget Calculator

Free tool to help you figure out your budget for the school year.

 

Get exclusive deals

Access to concerts, movies premiers, sports and more with BMO Extra Deals!

 

 

BMO Manage My Finances

Get insights to help you make better choices.

 

 

Student Budget Calculator

Free tool to help you figure out your budget for the school year.

 

 

Get exclusive deals

Access to concerts, movies premiers, sports and more with BMO Extra Deals!

 

 

Your Financial life

 

Get tips, tools and resources to help you navigate your finances.

 

Shop with SPC and BMO

 

10% to 15% discounts at 120+ retailers gives you access to
all the brands you love.

 

SPC BMO cards have exclusive offers, no fees and SPC
savings built right in.

 

Explore SPC offers

 

SPC FAQs

University & College Affinity Cards

 

As a college or university student, you’re looking for the best student credit card for your needs. A BMO SPC University/College Credit Card offers value, convenience and cash back or rewards on all your purchases. And it helps you support your school.

 

Every time you use this BMO credit card you support faculty alumni benefits, services and events and contribute to local and international student programs Whether you’re considering getting a certificate, diploma or degree, a first-year, or going to be a graduate soon, it’s never too early or late to give back to yourself by earning rewards. Rewards can add up quickly from buying textbooks at your campus bookstore to getting groceries if you’re not on a cafeteria  meal plan.  To help manage your student budget, you can also keep track of your spending with a detailed credit card statement. Even if you’re in classes, residence dorm, student centre or on the go, you can view it easily online or on your mobile device.

 


 

SPC FAQs

 

What is SPC?

SPC is Canada’s exclusive loyalty card that provides students with discounts and deals at thousands of stores and restaurants across Canada.


How do I get discounts With My BMO SPC Mastercard?

Get discounts from SPC Card retailers and restaurants when you pay with your BMO SPC MasterCard. When paying with your BMO SPC MasterCard you must notify the cashier BEFORE paying that you qualify for your discount. Please ensure that your discount has been applied at the point of sale. At places that do not accept MasterCard, you only need to show your BMO SPC MasterCard for the discount and then pay with cash or debit.


What kind of SPC card discounts can I get?

Savings on fashion, dining, sporting, beauty, lifestyle and more. Show your SPC Card at thousands of participating locations to receive instant discounts every time you shop. Offers vary but the most common are 10% to 15% off*. Download our new mobile app to find all SPC locations, discounts, deals and offers.

The card is accepted at thousands of locations across Canada. Plus, there are hundreds of local stores in your area offering you additional savings.