Credit Cards for Limited or No Credit History

The following credit cards are for people with limited or no credit history. Compare the offers below, then apply online for the credit card of your choice by completing a secure online application.

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
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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

BMO SPC®** CashBack® MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Limited time: Get up to $60 Cash Back*
  • Earn 1% CashBack on all card purchases* without restrictions!*
  • No Annual fee*
  • Extended Warranty*
  • Purchase Protection*
  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • en Français
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Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
None

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
Show More
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
Show More
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
* See the online credit cards for limited or no credit history 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.