Best Credit Cards for International Students in Canada
Canadian credit history is essential for renting an apartment, getting a phone plan, and qualifying for car loans. Student credit cards are the fastest way to build it.
Top Student Cards
Scotiabank L'earn Student
No annual fee, 1% cashback, no credit history required for international students.
RBC Cash Back Mastercard
2% cashback on groceries, no annual fee, easy approval for students.
BMO CashBack Student
3% on groceries, 1% on recurring bills, $0 annual fee.
TD Cash Back Visa Student
1% cashback everywhere, free with student bank account.
Credit Building Timeline
- Month 1–3: Apply for a student card, set up auto-pay.
- Month 4–6: Use the card for small recurring purchases (Netflix, transit).
- Month 6–12: First credit score appears (typically 650–700).
- Year 2: Qualify for premium cards and apartment rentals.
Frequently Asked Questions
Can international students get a credit card in Canada?
Yes — Scotiabank, RBC, BMO, and TD all approve international students with a study permit, even with no Canadian credit history or income.
How long to build Canadian credit?
Your first credit score typically appears 6 months after your first credit card. After 12 months of on-time payments, you'll qualify for most premium cards and rentals.