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Back when I was in first year, I banked at BMO and got the SPC joint one (am I exposing my age??), and then I got the MBNA on campus because. I've been looking around for an answer for quite a while but couldn't find the right answer. How does the BMO SPC MasterCard work? Does it. Share this item on Reddit reddit. Copy article link Copy link Best Card for Students: BMO SPC CashBack MasterCard. Best Card with.