SPC Card Review – Why Every Student Should Get An SPC Card

SPC Card or The Student Price Card is an exclusive student membership card that provides discounts and offers on 100’s of participating retailers throughout Canada. That’s both discounts in-store and for online-only deals. You’ll be eligible to get discounts at the 1000+ Canadian shopping locations every time you shop.

In a country with an abundance of resources, life can sometimes be tough for young individuals trying to live by with insufficient earnings. One of the experiences most of us can relate to are the days we lived as a starving student.

As college and university students, our limited earns has sometimes left us in the dilemma of choosing between tuition, books, and daily expenses

This is the reason why reward programs such as SPC are so important.

What Is An SPC Card?

SPC or The Student Price Card is a loyalty program that is designed primarily for post-secondary students. It gives an opportunity for students to save money by providing discounts at various restaurants and retail stores across the country.

The good thing about SPC is its proficiency to offer these discounts not only at conventional stores but also in online stores as well.

SPC Card

How To Get An SPC Card?

Basically, there are three ways to get an SPC card.

The first method is to purchase an SPC card directly from the SPC Website at a cost of $10 per year. As long as you use the card frequently, the cost of the purchase would not be a problem as it should pay for itself in no time. (It’s just $10 anyways)

The second method; become a BMO customer. As a BMO customer, you get to earn an SPC card free of charge. Before you get the SPC card, you still need to open a BMO student chequing account, which luckily enough is also free.

The third and final method of getting an SPC card is to sign up for the BMO SPC credit cards. This card works both as a Mastercard and an SPC card with No annual fee. The BMO SPC credit card help students to claim discounts in the easiest way possible. 

How Does The SPC Card Work?

The SPC card rewards program is pretty straightforward to understand.

You can download the SPC Card on your iPhones and Android devices (via iOS and Android OS),

Once downloaded, you start to earn instant discounts on purchases made. The discounts do vary but usually fall between the range of 10-15%.

Just like any other loyalty program, it’s crucial you do your own research to confirm the places you love to shop or eat-outs that are participating/offering good discounts. For instance, some store locations are excluded from the program so make sure you check the SPC website before you go shop.

List Of SPC Card Stores

Discounts through the SPC Card is offered by hundreds of restaurants and retail shops across Canada. In fact, the company boast of more than 450 locations, both in-store and online combined.

While discounts through SPC are being offered by various industries, students have more options to receive discounts. These range from dining, shopping,  cell phone plans, auto repair and even healthcare.

Here are some of the companies SPC is in partnership with. Be sure to check for more companies on their website.

List of stores that accept the SPC Card: 

  • Calvin Klein

  • Foot Locker

  • Gap

  • Joe Fresh

  • Jack Astor’s

  • KFC

  • Manchu Wok

  • Montana’s

  • New York Fries

  • Taco Bell

  • Yogen Fruz

  • Aldo

  • American Eagle

  • Arden

  • Bluenotes

  • La Senza

  • Old Navy

  • Banana Republic

  • Orange Julius

  • Pizza Hut

  • Pizza Pizza

  • Subway

  • RW & Co.

  • Roots

  • Pink

  • West 49

  • Booster Juice

  • Boston Pizza

  • Burger King

SPC Stores

The BMO SPC Mastercards

There are two types of BMO Mastercards specifically designed for students and affiliated with SPC.

These student credit cards offer great reward programs with no fees whatsoever.

The two credit cards are:

Let’s first look at the – BMO SPC Cashback Student Credit Card

BMO SPC Cashback Mastercard

The BMO SPC Cashback Mastercard offers an impressive 5% Welcome Bonus on cashback on all purchases made within the first 3 months.

After the welcome bonus offer expires, you’ll get the standard 1% cashback for recurring bill payments and 0.5% unlimited cash back on all other purchases made using the card.

Mind you, the extra cashback is a nice bonus for a Mastercard with No annual fee. Keep in mind that the BMO SPC Cashback Student credit card also acts as an SPC card, making students benefit from all discounts available with SPC.

Features & Benefits of the BMO SPC Cashback Mastercard:

  • No annual fee

  • Welcome offer of 5% Cashback, in the first 3 months

  • 1% cashback for recurring bill payments and 0.5% unlimited cashback on all regular purchases

  • FREE Purchase protection 

  • Free Extended Warranty on purchases made using the credit card

  • No Credit History or Part Time Income required to apply

  • SPC discounts ranging between 10% to 15% at hundreds of locations

  • The standard purchase interest rate of 19.99%

  • Cash advance interest rate of 22.99%

  • SPC and BMO have recently put together a series of deals exclusively for the BMO SPC Mastercard members

BMO SPC Air Miles Mastercard

If you are a student and studying abroad, then the BMO SPC Air Miles Mastercard helps you to get home more often.

Do you want to know how? Of course, with the FREE Welcome Bonus Air Miles 🙂

After signing up for the card, you’ll earn a welcome bonus of 800 Air Miles.

That’s not all, students also earn double Miles on each purchase made via an Air Miles partner store.

Apart from these benefits offered, all bonuses pertaining to the SPC CashBack Mastercard are also applicable to this card.

  • No Annual fee ever

  • Initial Welcome bonus of 800 Air Miles

  • 1.25x reward miles at Shell gas stations
  • Double Air Miles on each purchase made via any Air Miles partner retail stores

  • SPC discounts ranging between 10% to 15% at hundreds of partner stores

  • The standard purchase interest rate of 19.99%

  • Cash advance Interest rate of 22.99%

SPC Card Apps

Students who are more tech-inclined tend to choose the SPC Card App over having another card in their wallet. Moreover, the SPC card app offers a more convenient way to utilize your SPC rewards card digitally. 

To get the app, simply download it on your device (available on both IOS and Android OS) and register the card number. Then you’re ready to shop!

Like any other digital card, The SPC Card app is scanned on your phone to apply discounts on purchases made.

Also, With the SPC Card App, you’ll receive notifications with limited time offers and special discounts directly to your phone, allowing you to take advantage of additional savings.

Benefits Of The SPC Card

SPC won’t be popular among students if they have nothing to offer.

Lots of remarkable discounts are available in more than 400 retail stores including Forever21, Urban Outfitters, Burger King, Taco Bell, and other local shops in Canada. These discounts help students find ways to save money on textbooks, gym memberships, makeup, eating, and even healthcare.

What makes SPC card unique is it offers rewards to students just for being students all just for $10. Most students might not take note but SPC Card offers yet another advantage; It enlightens students on the workings of money and the worth of a single dollar.

The constant aggregation of savings on all purchases made teaches students how small savings can sum up and be used for other future purchases. This awareness helps students to foster healthy financial habits and techniques that can be used in the future when handling financial intricacies such as tax filings.

SPC Card

SPC Card: Frequently Asked Questions

Below is the list of the Frequently Asked Questions or FAQs about the SPC Card: 

What can I do if I lose my physical card or if it gets stolen?

In a case like this, you will have to purchase a new card.

Lost or stolen cards are not replaced by SPC. No cause for alarm though, as none of your personal information is linked to the card in whatever way.

However, if you don’t want to replace the card, you can still use the SPC Card app provided you have already registered your membership.

Is The SPC Card only available for students?

YES! The SPC reward program is exclusive to students only.

All registered students are qualified to earn discounts and bonuses.

However, when redeeming an offer, students may need to tender a valid student ID card. An exception to these are students below the age of 13 who are not eligible for a digital membership.

What is the VIP Membership?

A special membership is made called the VIP SPC Membership reserved for non-students.

A limited quantity of these members is available every year to companies in partnership with SPC and also top staff so they can also benefit from the SPC discounts.

The VIP Membership is not for sale and cannot be renewed.

Where can I purchase a physical card?

If you don’t want to subscribe to the digital app then no problem!!

SPC card is very much available for purchase at either the Campus Bookstores or High Schools. It can also be purchased from the following retailers

  • Aerie

  • American Eagle Outfitters

  • Bentley

  • Running Room

  • Shell Gas Stations

  • Shoppers Drug Mart/Pharmaprix


  • The Brick

  • Call It Spring

  • NYX Cosmetics

  • Oxford Property Malls

  • Guest Services Desk

  • Panorama

  • Chatters Salon

  • Clore Beauty

  • Globo Shoes

  • Journeys

  • Little Burgundy

  • Mobile Snap

  • Rexall

Can SPC Card Memberships be shared with friends and family?

The answer is NO!

SPC Card Memberships cannot be shared.

Each individual must have an SPC Membership to qualify for such discounts.

In the case where a parent is making a purchase, the student must present the SPC Card before discounts can apply. Also, discounts only apply to student items that are eligible for a discount.

In situations where misuse of memberships occur, all offers and discounts can be a decline at the sole discretion of the SPC partner.


Is the SPC Card right for you? 

My review of the SPC card is positive. After all, the card costs only $10 per year and you definitely get a lot more for the price offered. If you are a Canadian student, you must go get one or order it online. The Pros and more and there are hardly any cons here. 

The number of stores offering SPC Discounts is also huge (Like 400+ premium stores). 

Also, The deals, bonuses, and discounts available for students to benefit from for just $10 a year are enormous. 

If you find this article useful please share it on social media and help spread the word. Let me know your thoughts and comments below. 

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SPC Card


Value For Money


Features & Benefits





  • $10 per year
  • Excellent value for money
  • Discounts all around the year from your favourite stores


  • Need to be a student
  • You need to present the STC Card to avail discounts

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