Money · Credit Cards
Best Credit Cards for Newcomers · 2026
Seven cards that approve you with zero Canadian credit history. Build your credit score from month one and earn cash back from day one.
Side-by-Side Comparison
Every card, every rewards rate that matters.
| Card | Credit check | Rewards | Annual fee | Best for |
|---|
Frequently Asked Questions
Straight answers, from one newcomer to another.
Yes. Every card in this guide is designed for newcomers with no Canadian credit file. Big-bank cards (RBC, Scotiabank, TD, BMO) approve based on income and your newcomer chequing account. Fintech cards (Neo, KOHO) skip the credit check entirely. Home Trust's secured Visa guarantees approval with a refundable deposit.
Credit card approved. Now get the income to back it up.
Browse 10,000+ Canadian jobs hiring newcomers right now.