Credit cards provide our life trouble-free. We can make all kinds of payments including traveling, shopping, and college bills with credit cards. We are going to show you from our best researchable and Trusted data the top 10 best beginner credit cards for Canada the application Process, approval tips; and the pros & cons of fast credit cards and non-free secret systems let’s get started
What Are Student Credit Cards?
A student credit card is a type of credit card that is designed for students. It is offered to students at the college or university level. Student credit cards have lower interest rates. This facility is the best for student users. There is a 5 years validity period on this credit card. Usually, It is not possible to apply for a student credit card at the age of 18.
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Best beginner credit card for students
Sometimes you want to use a credit card, just you want to pay cash or maybe you have an urgent balance transfer or purchase that you want to put in a credit card. otherwise, you want to save money on the credit card or bill payment. So these credit cards are best for beginners in Canada.
According to the act of 2009 conditions, at the age of under 21 anyone can not be issued a credit card without a guardian or parent cosigning for them. Or they (applicants) have independent earning sources.
What is the best starter credit cards for students in 2022?
It is really sad that an international student does not have a credit card. You cannot maintain a normal life without a credit card. Because you have to use this credit card to pay for most payments including shopping, grocery, and many more facts. Below, we mentioned a list of the benefits of student credit cards in Canada.
1. Home Trust Secured®Visa Card*
Home Trust Secured®Visa Card* is one of the Best secured credit cards for students in Canada. It provides some attractive opportunities for students.
Details info
- No annual fee
- Not available to natives of Quebec
- 19.99% interest rate on purchases
2. BMO AIR MILES® Mastercard® – Student
BMO AIR MILES® Mastercard®* – is the best student credit card for Miles. This credit card offers a welcome bonus of 800 AIR MILES Bonus Miles.
Details info
1. No annual fee
2. Earn 0.04 Miles per US dollar
3. Welcome Offer: 800 (Up to) Air Miles Bonus Miles
4. Earn 3x the Miles per US dollar
3. PC Financial®- Mastercard*®
The no annual fee PC® Mastercard*® is a fast way to earn PC Optimum™ points towards great rewards credit cards that cover some best facilities for beginners.
Details info
1. No annual fee
2. Shoppers Drug Mart / Pharmaprix: Earn 25 PC Optimum Points per $1 spent
3. Income requirement: Any amount
4.. All other purchases: Earn 10 PC Optimum Points per $1 spent
4. Home Trust Secured®* Visa Card©
Home Trust Secured®* Visa Card© is a comprehensive credit card for students in Canada. This credit card provides many attractive facilities.
Details info
1. No annual fee
19.99% interest rate on purchases
2. Not available to natives of Quebec
3. Credit limit: between $500-$10,000
4. Not available to natives of Quebec
5. Triangle™ Mastercard*®
Triangle™* Mastercard® is a comprehensive credit card for Canadian Tire. This credit card is not mainly a student credit card, but there are some best facilities here. There is a 15% New Cardmember bonus.
Details info
1. No annual fee
2. New Cardmember Bonus: 15%
3. 0.5% on everything else
4. Earn 5¢ per liter back in Canadian tire (Gas+ and participating locations)
5. Income requirement: Any amount
6. grocery stores: 1.5% on the first $12,000 spent (per year)
Read More: Best Travel Insurance For Students Studying in USA
Top 10 Best beginner Credit Cards Canada
Here is a list of the top ten best credit cards, these are perfect for beginners.
1. Marriott Bonvoy™ American Express®* Card
The Marriott Bonvoy® American Express® is the best credit card for beginners. This credit card is offering the best free hotel nights. It provides a welcome offer of 50,000 Bonvoy points (Marriott) after $1,500 USD in Card purchases within the first 3 months.
You can earn 2 points per US dollar on all purchases and 5 points per US dollar at Marriott Bonvoy properties on all purchases with this card.
Last, of all, this Card provides comprehensive insurance: $500,000 travel accident, baggage delay, hotel or motel burglary, flight delay, lost or stolen baggage, Purchase Security, rental car theft & damage, and Purchase Protection.
Marriott Bonvoy®* American Express®* Card
Year 1: $762
Years 2 and +: $312
Welcome Bonus: 50 000 points
Annual Fee: $120
Balance Transfer Rates: 21.99%
Purchase Rates: 19.99
Cash Advance Rates: 21.99%
2. American Express® Aeroplan®* Card
This credit card is also suitable for beginners, it offers the American Express® Aeroplan®- Card, you can achieve an Air Canada Buddy Pass and earn 40,000 (up to) Aeroplan points. What’s here:
★ Within the first three months, A bonus Buddy Pass and 10,000 Aeroplan points after $1,500 US dollars in Card purchases
★ when you can Card purchases $500 US dollars per month (first 12 months) or earn 30,000 Aeroplan Points. Then you can earn 2,500 Aeroplan Points in a month.
★ You can earn 2X points on purchases made directly with Air Canada Vacations and Air Canada With this Card.
American Express® Aeroplan®** Card
Year 1: $1529
Years 2 and +: $379
Welcome Bonus: Air Canada Buddy Pass
Welcome points Bonus: Up to 40 000 points
Annual Fee: $120
3. American Express Cobalt® Card
The American Express Cobalt™ Card is the best credit card in America. American Express provides this card, it offers a facility where you can use points for Cash Back or travel.
You will get a welcome bonus for the first 12 months. You earn up to 30,000 USD Membership Rewards points. During the month, you can earn 2,500 USD Membership Rewards points for every purchase ( in $500 ).
You will spend $3,000 USD in your first 3 months of Card Membership in purchases on your Card. Then you can earn a welcome bonus of 20,000 points (Membership Rewards). The points value is: 1,000 points = $10.
American Express® Green Card
Year 1: $578
Years 2 and +: $408
Welcome Bonus: 10 000 points
Balance Transfer Rates: 21.99%
Annual Fee: $0
Cash Advance Rates: 21.99%
Purchase Rates: 20.99%
4. SimplyCash™ from American Express
If you are searching for a cashback credit card without any annual-free and high earning rate on all your purchases
There is the best option for you: the SimplyCash™ from ©American Express.
With SimplyCash™ Card, you earn up to $200 cashback and a 1.25% cashback on all purchases.
you can earn 4% cashback for the first 6 months with the SimplyCash™.
SimplyCash™ from American Express
Welcome Bonus: $ 200 (Up to) cashback
Year 1: $500
Years 2 and above: $300
Annual Fee: $0
Balance Transfer Rates: 21.99 %
Cash Advance Rates: 21.99 %
Purchase Rates: 19.99 %
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Would you like travel rewards credit card with no annual fee? Scroll down
5. American Express® Green Card
Would you like a travel* – rewards credit card without an annual fee? This is the best option for your: The American Express®* ©Card
You purchases $1,000 US dollars By using up the *American Express® Green Card© in the first 90 days of Card Membership. Then you will get 10,000 Membership Rewards points (welcome bonus).
American Express®* Green Card
Year 1: $578
Years 2 and above: $408
Welcome Bonus: 10 000 points
Annual Fee:0 $
Balance Transfer Rates: 21.99 %
Purchase Rates: 20.99 %
Cash Advance Rates: 21.99 %
6. Best Western Rewards Mastercard
Best Western Rewards®* Mastercard is one of the best Credit Cards for beginners. There is a Welcome bonus but no annual fee on this card.
after your first purchase! You earn Best Western points of 20,000 points. It offers you one free hotel night (at least).
With Best Western Rewards®* Mastercard, you earn:
- One point per US dollar anywhere else, including Costco
- Five points per US dollar at Best Western properties.
Best Western Rewards®* Mastercard®
Year 1: $352
Years 2 and +: $192
Welcome Bonus: 20 000 points
Balance Transfer Rates: 20.99 %
Annual Fee: 0 $
Purchase Rates: 19.99 %
Cash Advance Rates: 20.99 %
7. Tangerine Money-Back Credit Card
There is no annual fee on The Tangerine Money-Back Credit Card. It offers cashback and Welcome Bonus.
You will get 2% Cashback when you choose 2 to 3 categories that you are interested in: groceries, furniture, gas, home improvement, pharmacy, recurring bills, etc).
On the other hand, the Tangerine Mastercard provides Different insurance coverages for your purchases:
- 12 months extended warranty
- 3 months purchase insurance
Ultimately, by your first 1 month, pay only 1.95% interest on the transferred balance for the first 90 days.
Tangerine Money-*Back Credit Card
ANNUAL FEE: 0 $
Welcome Bonus: cashback $150 US dollars (Up to)
Year 1: $220
Years 2 and above: $120
Balance Transfer Rates: 19.95 %
Purchase Rates: 19.95 %
Cash Advance Rates: 19.95 %.
8. BMO® AIR MILES® Mastercard®*
Would you like an exclusive air journey rewards credit card without an annual fee? We recommended an option for you: BMO® AIR MILES®* Mastercard®*.
When you will purchase $1,000 US dollars in your Card purchases or a value of $150 cash (representing). Besides, the best facility for this card is a no-annual-fee credit card.
In addition, you get an introductory interest rate of 1.99% on Balance Transfers for up to 9 months*.
BMO AIR MILES®′† Mastercard®*
Value
Year 1: $283
Years 2 and above: $110
Welcome Bonus: 1500 miles
Annual Fee: $0
Interest Rates
Balance Transfer Rates: 19.99 %
Purchase Rates: 19.99 %
Cash Advance Rates: 22.99 %
9. NBC Mycredit Mastercard
NBC my-credit Mastercard provides to you:
- 1% cash back on recurring pre-authorized payments and restaurant purchases.
- 0.5% cashback including Costco on all other various purchases.
Cashback is automatically added to your statement of a credit card every billing cycle.
We will highly recommend this credit card is suitable and safe for those who are beginners and want a card (credit card) with no annual fee. Especially credit card offers with some insurance for your purchases, including mobile device insurance and more. These Insurance facilities are rare.
NBC mycredit Mastercard
Welcome Bonus: None
Year 1: $148
Years 2 and +: $148
ANNUAL FEE: 0 $
Balance Transfer Rates: 22.49 %
Cash Advance Rates: 22.49 %
Purchase Rates: 20.99 %
10. MBNA Rewards Platinum Plus® Mastercard®
The MBNA Rewards Platinum Plus®* Mastercard*® is the best credit card for beginners with no annual fee in Canada. It provides some best facilities for those who want a credit card with a 0% annual fee.
Beginners can earn 2 points per 1 US dollar on some purchases With this card:
- Restaurants
- gas
- grocery stores
One caveat: You earn 1 point per dollar and each Category has $5,000 US dollars max annual spend.
When you spend $100 US dollars on a travel purchase charged to your Card, then you will get a welcome bonus of 10,000 points (limited time).
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MBNA Rewards Platinum Plus®* Mastercard®
Year 1: $407
Years 2 and +: $307
ANNUAL FEE: 0 $
Welcome Bonus: Up to 10 000 points
Balance Transfer Rates: 20.99 %
Purchase Rates: 20.99 %
Cash Advance Rates: 20.99 %
Best beginner credit card company in Canada
Here is a list of the best beginner credit card companies in Canada.
1. Total Visa® Card
2. Fingerhut Credit Account
3. Capital One Platinum Secured Credit Card
4. Milestone® Mastercard® –
5. Journey Student Rewards from Capital One
6. Indigo®- Mastercard®
7. Discover it® Student Cash Back
8. Discover it® Student chrome
9. NetSpend® Visa® Prepaid Card
10. Discover it® Secured Credit Card
PC Financial® World Elite Mastercard®
11. OpenSky® Secured Visa® Credit Card
12. Capital One Platinum Secured Credit Card
13. HSBC +Rewards™ Mastercard®
14. NetSpend® Visa® Prepaid Card
15. CIBC Dividend® Visa Infinite* Card
Top 5 best beginner credit cards for college students
Nowadays most Credit card authorities usually offer the best facilities for beginners. Below, we will mention a list of the top 5 best beginner credit cards for college students that provide special facilities to beginners. What is the best beginner credit cards without a job
1. American Express® Green Card
2. Discover it® Student Cash Back
3. Capital One Platinum Secured Credit Card
4. Brinks Prepaid ®Mastercard*
5. Deserve® EDU Mastercard for Students
| Credit Card | Annual Fee | Best For |
| Discover it® Secured Credit Card | $0 | Bad Credit |
| Deserve® EDU Mastercard | $0 | Students International Students |
| Bank of America® Travel Rewards Credit Card | $0 | Students Travel & Study Abroad |
| Chase Freedom Unlimited® G | $0 | Good Credit |
| Brinks Prepaid ®Mastercard | $0 | N/A |
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How to apply for a credit card in Canada
You have to mention some important documents to apply for a credit card in Canada. We mentioned a process: how to apply for a credit card in Canada.
- Full legal name
- Date of birth.
- Email address.
- Present and permanent address (Canadian home address).
- Gross annual income
- Social Insurance Number.
- Current employment status
- Your residency status.
What is a good tip for getting approved for students?
Don’t let a credit card choose you: you do not sign-up for a credit card to get a free coffee mug or t-shirt etc until you are sure this is a good deal. Read all policy terms of the credit card agreement you receive. Check the interest rates, and fees comparing them to other card offers you have received, then you can decide what you will do.
Pay your balance in full every month: Though you have a habit of paying regular bills Then you don’t have to worry about credit card debt. However, you have to pay for what you purchased. You will not pay the extra fees credit card compared to not paying the full bill.
Stay under your credit limit: Not only are hard to get rid of, but they are also over-the-limit fees expensive. Because of the way payment dates and billing cycles fall. You will try to keep charges within 10-30% of your credit card limit.
Don’t be afraid to close the card: if your credit card expires, do not be afraid to close the credit card.
Pros and cons of no-fee credit cards
The advantages of getting a credit card (no fee) may seem Conspicuous to you, so we will highly recommend that you will know to carefully consider the cons and pros before you apply.
Pros of no-fee credit cards
No annual fee: As long as you pay your balance in full and on time every month, there is no cost to you to get the card. However, there is no annual fee.
Earn rewards: You can earn a welcome bonus, miles, or points that can later be Acquitted for merchandise or travel, etc.
Unlimited lifetime: Usually keep your account open for an unlimited time. Because there is no annual fee on this card. In our view, this Facility is one of the rare and best on your credit card.
Helps you build credit: You can build your credit score and credit history by using credit cards responsibly.
Good for emergencies: these credit cards are best for emergencies, are low-maintenance, and are low-cost. So that it makes for a Fantastic backup credit card.
Cons of no-fee credit cards
Limited benefits: Normally there are a lot of higher reward earn rates and great facilities in credit cards.
Smaller welcome bonus: There is a less generous sign-up offer in No-fee cards or this type of credit card.
Can be harmful: Like all credit cards, you can go into loan debt if you do not manage your expenses.
FAQS:
Is opening a student credit card a good idea?
We mentioned a process That is a good idea for opening a student credit card.
You can Start with low credit limits, be wary of high-interest rates, and read the fine print. Though you have confidence you can make monthly payments continue, you can open a credit card.
What is the best credit card for international students?
The American Express Cobalt™ Card is the best credit card for domestic and international students.
How much is a Student credit card age
As a whole; students will have been able to apply for a credit card At least 13 and above.
How To Get Your First Credit Card In Canada
Below is a list of How you get your first credit card in Canada.
1. NID card or Birth registration and essential documents
2. Minimum age of majority: 18 or 19 (depending on your home province).
3. An acceptable credit score
4. A social insurance number.
5. Be a permanent citizen or native of Canada.
And you must show more information that they want.
which is the best credit card to start with Is it hard to get your first credit card?
Usually, it is not possible to get your first credit card. If you show the correct information.
which is the best credit card to have in Canada
American Express Cobalt* oi the best credit card in Canada. It costs $120 US dollars per month.
What is the best starter credit card in Canada?
American Express® Cobalt- credit card is one the best starter credit cards in Canada.
Can a student get a credit card in Canada?
Yes, though you are an international student or a domestic student, you have to get a student’s credit card in Canada.
What is a popular first credit card for students?
Discover it® Student chrome© is a Popular first credit card for students. Because it offers a welcome bonus, a cashback bonus, etc.
Will I get approved for a credit card as a student?
Yes, you will get approval for a credit card as a student. But there are some requirements. Such
Your age will be up to 21 years old or you have to have independent earning sources or trusted adults/parents/guardians to sign for you.