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BMO® SPC®‡ CashBack MasterCard®*

BMO® SPC®‡ CashBack MasterCard®*

Limited time: Get up to $60 Cash Back*

Our Rating:
Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
$0.00 19.99% 22.99% 22.99% Good 1.00% *maximum
  • Card Details Details
  • Our Review Review

Card Details

  • 500 first-use bonus + Win free tuition and books for a year

  • Earn 1% CashBack on ALL card purchases* without restrictions!*

  • No Annual fee*

  • Extended Warranty*

  • Purchase Protection*

  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores*

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

*Terms and conditions apply

Features and Benefits

  • Purchase protection and extended warranty

RateSupermarket.ca's Review

Listen up, cash-strapped students - here's a no-fee credit card option that will score you discounts at your favourite retailers, all because of your student status. In addition to the savings offered by this card, students can also earn modest cash back rewards - $1 per every $200 spent, making this an ideal option for a student's budget - where every dollar counts.

Top Features About the BMO SPC CashBack MasterCard

  • Get between 10 - 15% off merchandise at hundreds of retailers across Canada.
  • Includes a free SPC membership, which renews annually.
  • No fees - just earnings and discounts!
  • Is designed specifically for students and their specific needs - qualification is based on lower earning requirements, and a third-party or parental authorization isn't needed to sign up.


  • Up to 15% off at participating retailers PLUS 0.5% cash back on all purchases, with no restrictions
  • Includes extensive security features such as Purchase Protection, Extended Warranty, Zero Liability and MasterCard Global Service for lost or stolen cards
  • Includes Purchase Protection, free Extended Warranty, and Zero dollar liability


  • Cash back is awarded on an annual basis, and cannot be accessed outside of the rebate period
  • Cash back earnings are below market average at 0.5 per cent
  • No built-in insurance features, though they can be added on for an additional fee

Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

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