Best Canadian Credit Cards
Canada credit cards are offered by the authoritative credit company, and you can find competitive rates and no annual fee American Express offers available in Canada. Canada bank card applications presented here are mainly for people with good payment history, who are eager to open credit lines for business or consumer needs.
Canada residents may choose from a wide assortment of bank products such as credit offers with low APR, no fee plastics and frequent flyer mile cards. You can apply online for a bank card of your choice orienting on your individual needs.
We offer a considerable number of Canada card applications online, so you can be in the know of the latest bank products in the country. Contrast the features, terms and conditions of the available online applications to choose the best Canadian deal for you!
Good Credit
Required FICO score for this card: 660 to 740
You can apply if: you missed a couple of payments a while back, your credit history is not long, or you declared a bankruptcy in the past, but now you manage your credit(s) perfectly, which cancelled out past credit troubles.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| n/a | 0.99% for the first 6 months | 11.99% | $29 | No | No |
- Low 11.99% interest rate.
- Interest free grace period of at least 21 days on purchases.
- Save hundreds of dollars a year.
- Pay down balances faster.
- Simplify your monthly payments.
- 20% AVIS rental card discount.
- Low interest rate credit card.
- Save on AVIS car rentals.
- Minimum credit limit of $500.
- Has an annual fee.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| n/a | 0% for your first 12 billing cycles | 17.99% | $0 | No | No |
- 0% annual interest rate14 (AIR) on balance transfers14 and deposits14 for the first 12 full months.
- Around-the-clock fraud protection.
- Online access to your credit card account.
- Unparalleled 24-hour customer service.
- International acceptance at millions of locations.
- No annual fee.
- Enhanced security and protection with Chip & PIN technology and PayPass.
- 0% intro annual interest rate on balance transfer.
- No annual fee.
- 1% (min. $7.50) fee on balance transfer.
Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.
This credit offer is only for people with Excellent credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| n/a | 0.99% for the first 6 months | 19.99% | $99 | No | No |
- 4% on eligible gas station and grocery store purchases.
- 2% on drug store purchases and recurring bills.
- 1% cash back on all other eligible purchases.
- VISA Infinite Complimentary Concierge Service - available 24/7.
- Access to VISA Infinite Luxury Hotel Collection.
- VISA Infinite Dining Series - Unique dining experiences in some of Canada´s top restaurants.
- Special access to unique offers and experiences.
- Rental car collision insurance.
- Purchase security and extended warranty protection.
- The maximum Scotia Momentum cash back.
- Minimum credit limit of $5,000.
- Save at participating AVIS car rental locations worldwide.
- Has an annual fee.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| n/a | 1.99% for your first 6 billing cycles | 17.99% | $0 | No | No |
- Use your card for eligible net retail purchases and be automatically entered for a quarterly Harley-Davidson® motorcycle draw14.
- Earn Harley-Davidson® Genuine Rewards that are redeemable for Harley Chrome® Cash14.
- Redeem your Harley Chrome® Cash at any authorized participating Harley-Davidson® retailer nationwide.
- No annual fee.
- Credit limits up to $100,000.
- Around the clock fraud protection.
- Enhanced security and protection with Chip & PIN technology and PayPass.
- Apply to win a new Harley-Davidson® motorcycle.
- Get high credit limit.
- Earn rewards to redeem for Harley Chrome® Cash.
- No 0% interest introductory period on balance transfers.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| n/a | n/a | 30%* | $065 | No | No |
- Earn a Welcome Bonus of 15,000 Membership Rewards® points when you charge $500 in purchases to your Card in your first 3 months of Cardmembership.
- Earn double points on eligible travel and everyday purchases.
- Transfer your points to frequent flyer programs, or 1:1 to Aeroplan®* and Avios.
- 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster.
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- * As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
- Conditions apply.
- Expanded rewards program.
- Insurance and shopping coverage.
- 1 Free Supplementary Gold Rewards Card.
- Has an annual fee.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| n/a | n/a | 9.99% | $0 | No | No |
- 9.99% annual interest rate on eligible purchases.
- No annual fee.
- Exclusive Platinum benefits and peace of mind.
- Add authorized users at no additional cost.
- Around-the-clock fraud protection.
- Enhanced security and protection with Chip & Pin technology.
- Low fixed interest rate.
- Fraud protection.
- Add authorized users for free.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| n/a | 1.99% for your first 10 billing cycles | 19.99% | $0 | No | No |
- Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months14.
- Up to 2% cash back on eligible gas and grocery purchases thereafter14.
- And, up to 1% cash back on all of your other eligible purchases14.
- 1.99% annual interest rate14 (AIR) on balance transfers14 and deposits14 for the first 10 full months.
- Enjoy free online access to your credit card account.
- And, with no annual fee and free additional cards you´ll start to see the benefits right away.
- Rewarding yourself is easy.
- Once your cash back totals at least $50 at the end of a monthly billing cycle, we´ll automatically mail you a cheque14 - it´s that simple.
- Generous cash back rewards.
- Low intro interest rate on balance transfers.
- Free additional cards.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| 2.99% (6 months) | n/a | 19.75% | $0 | No | No |
- You can earn cash back when you use your TrueEarnings® Card inside and outside of Costco.
- Plus, there´s no limit to the amount of cash back you can earn annually.
- Earn 3% CASH BACK on eligible restaurant purchases.
- Earn 2% CASH BACK on eligible gas purchases.
- 2% up to $3,000 annually.
- 1% on any amount over $3,000.
- Earn UP TO 1% CASH BACK on everyday purchases - including at Costco®.
- 0.25% up to $1,000.
- 0.50% on the next $2,000.
- 1% on any amount over $3,000.
- Add a FREE Supplementary Card - that person just needs to be a current member on your Costco account.
- Enjoy 2.99% special low interest rate on purchases for the first 6 months of Cardmembership, 19.75% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time.
- Show your TrueEarnings Card for entry into any Costco warehouse and use it to pay for your purchases.
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- Conditions apply.
- Cash back rewards program.
- Elevated cash back on gas and restaurant purchases
- No annual fee American Express credit card.
- Must be a Costco member.
Good Credit
Required FICO score for this card: 660 to 740
You can apply if: you missed a couple of payments a while back, your credit history is not long, or you declared a bankruptcy in the past, but now you manage your credit(s) perfectly, which cancelled out past credit troubles.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| n/a | n/a | 19.99% | $0 | No | No |
- Rental Car Collision Insurance.
- 20% discount rates at Avis Car Rental.
- Commission-free Travellers Cheques.
- VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.
- Travel benefits at no annual fee.
- Minimum credit limit of $5,000.
- Emergency travel assistance.
- No rewards program.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Guaranteed Approval | Instant Response |
|---|---|---|---|---|---|
| 2.99% (12 months) | n/a | 19.99% | $0 | No | No |
- Earn a Welcome Bonus of 150 AIR MILES®* reward miles the first time you use the approved Card.
- Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors.
- Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else.
- Shop at participating AIR MILES®* Sponsors across Canada with your American Express® AIR MILES®* Credit Card and your AIR MILES®* Collector Card, and you can earn reward miles twice.
- More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from movie tickets to electronics, travel and more.
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- Special interest rate on purchases: 2.99% special interest rate on purchases for the first 12 months of Cardmembership, 19.99% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time.
- Conditions apply.
- Earn reward miles.
- Low intro APR for first 12 months.
- No annual fee.
Wide Range of Credit Cards for Canadians
To make a credit card application online, make sure you are eligible for the chosen bank offer (e.g. unsecured or rewards credit card applications). Evaluate the terms and conditions of each product presented to make the right choice when making the application.
If you expect credit companies to offer instant approval for bank products for fair or bad credit, issued in Canada, unfortunately you won't find them here.
Canada applications require good credit rating, so we do not provide customers with secured credit card applications. Though bad credit card applications in Canada, cards for fair credit (including secured credit offers in Canada) and no credit products are a frequent request at the site, still, there are no applications for these products.
You can rather find a credit card application with balance transfer or some rewards than a secured Visa product for Canada residents or any other deal for bad payment history. So, select a Canadian bank offer for good payment record and satisfy your personal needs applying online for it.
Like all other online credit card applications, opening a Canada credit line implies filling out a form, after which the bank decides whether or not to approve you. The procedure of making online applications is quick and safe. If you are choosing a most profitable application form online, you have convenient charts and easy online tools for comparing Canada applications available.
On the site customers can also find bank offers with cash back, as well as gasoline and hotel credit offers available through MasterCard or Visa card applications. Get the best bank credit offers to apply - instant online approval and balance transfer credit cards. Or you can choose among bank student credit offers.
Our Experts about Canadian Credit Cards
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14 Please refer to online application legal disclsoures.
65 No Annual Fee for the first year; $150 Annual Fee thereafter.