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Top Resources to Support #DECA AdvisorsIf you don't need the $ card with BMO, why bother? You can Keep using your credit card times a month for small expenses and. I got approved for a 4k limit w/ a score around , was using the BMO student cashback prior to this. 60~70% of my monthly spending is. Personally the CIBC card is better as the gas, transit and dining is at 1% rather than % with BMO. However if your grocery spend is the.