Bad Credit

The following credit cards are for people with bad or less than perfect credit. These cards may be able to help you build, rebuild or re-establish your credit if you make on-time payments with all of your creditors and maintain your account balances below the credit limits. Choose from both secured and unsecured credit card offers below, then apply online for the credit card of your choice by completing a secure online application.

Capital One® Guaranteed MasterCard®

Apply Now at Capital One - Canada's
secure site
  • May help you strengthen your credit history
  • 24/7 customer service online or by phone
  • If you're approved for a Secured card, security funds will be required
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Apply Now at Capital One - Canada's
secure site
Typical APR
19.8%
Balance Transfer APR
19.8%
Balance Transfer Fee
See Terms
Annual Fee
$59
Credit Needed
Building Credit

Capital One® Guaranteed Secured MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Guaranteed access to credit
  • May help you establish or re-establish your credit history
  • Security funds required
  • MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
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Apply Now at Capital One - Canada's
secure site
Typical APR
19.8%
Balance Transfer APR
19.8%
Balance Transfer Fee
See Terms
Annual Fee
$59
Credit Needed
Building Credit

Capital One® Low Rate Guaranteed MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Annual interest rate for cash advances is 19.8%
  • Low annual interest rate of 14.9% on purchases and balance transfers
  • May help you strengthen your credit history
  • If you're approved for a Secured card, security funds will be required
  • Annual fee of $79
Show More
Apply Now at Capital One - Canada's
secure site
Typical APR
14.9%
Balance Transfer APR
14.9%
Balance Transfer Fee
See Terms
Annual Fee
$79
Credit Needed
Building Credit
* See the online bad credit applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click the “Apply Now” button you can review the credit card terms and conditions on the issuer's website.