Student BMO CashBack® Mastercard® card: check out how to apply!

Learn about the application process for one of the best cards available to Canadian and foreign students, the Student BMO CashBack® Mastercard® card. Enjoy cashback on all purchases and a welcome bonus!


Student BMO CashBack® Mastercard® card: a rare student card that pays 5% cashback

BMO logo
Learn how to apply for this card. Source: BMO

The Student BMO CashBack® Mastercard® is a differentiated card that you need to think about whether or not you will apply for it. In addition to an excellent cashback program and a great reward bonus, this card does not charge an annual fee.

In fact, all the features of this card have already been recognized and even awarded. Among the most recent awards received by this card, we can highlight:

  • Winner of the 2022 Milesopedia Best Cash Back Credit Card for Students;
  • 2022 RatesDOTCA®Rates Best Student Credit Card Winner;
  • Winner of the 2022 creditcardGenius®Credit Card Genius Best Student Credit Card.

I’m sure you are interested in the Student BMO CashBack® Mastercard® card. To learn how the application process works, check out the topics below!


Credit card

Student BMO CashBack® Mastercard®

Rewards Mastercard

Student card with zero annual fee and cashback on all purchases.

You will be redirected to another website

How to apply on the website

To apply for this card online, you must make sure that you meet the following conditions:

  • Be between the ages of 18 and 24 and be enrolled in a recognized post-secondary school;
  • Be a Canadian citizen or permanent resident (foreign students must attend a BMO unit to apply);
  • Earn some type of income (job, student loan, scholarship, family allowance);
  • Be of legal age, in accordance with the conditions of the region or province in which you reside;
  • Not having declared bankruptcy in the last 7 years.

All right? Then go to the official BMO CashBack® Mastercard® Student Card website and click “Apply Now”. You will be taken to a form. On average, after 60 seconds, you will know whether or not you passed.

How to apply using a mobile app

Blue credit card zoo (apply Student BMO CashBack® Mastercard® card).
Learn how to apply for the Student BMO CashBack® Mastercard® card. Source: Pixabay

BMO does not allow apps via mobile app. If you download the “BMO Mobile Banking” app and try to sign up there, you will be directed to the BMO website. Despite that, this app will be very useful as long as you have an active account.

Information, balances, rewards redemption, credit score… The application allows access to this information and many others.

Student BMO CashBack® Mastercard® card vs. KOHO Visa Prepaid card: choose which one is best for you

BMO cards are very popular in the Canadian market. However, in recent years, they have gained a strong competitor: KOHO. This company also has very interesting options that you need to know about. Below, see a comparison between equivalent cards from BMO and KOHO.

So you can decide which option is best for you:

Student BMO CashBack® Mastercard®KOHO Visa Prepaid
Credit ScoreFrom fair to good (670-739)Bad (300-559)
Annual Fee$0$0
Regular APR19.99%0%
Welcome bonusUp to 5% cashback in the first three monthsNone
Rewards3% cashback on grocery purchases, 1% on recurring payments (phone bills, streaming and other subscriptions) and 0.5% on all other purchases0.5% cashback on all purchases

For more details about the KOHO Visa Prepaid card, click on the link below!

KOHO logo

KOHO Visa Prepaid Card: check out how to apply!

Get 0.5% cashback on a prepaid card that lets you build your credit and control all your finances. Learn how to apply for the KOHO Visa Prepaid Card.

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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