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BMO SPC Card Mosaik MastercardRecommended credit score: +. Network: Mastercard. Provider: Bank of Montreal. Card type: Travel. more card details. Welcome bonus points $84 value. The SPC card is a loyalty card created specifically to help students save money. It offers special student pricing and discounts. PSA: BMO SPC Mastercard being discontinued in November. Sounds like SPC is moving to CIBC so the BMO card is getting discontinued.