- Features
- Issuer
- National Bank
- Network
- Loyalty Program
- Cash Back
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- —
- Rewards
- Rate
- Restaurants
- 1x
- Bills & recurring payments
- 1x
- Telecom
- 1x
Best Credit Cards for Newcomers to Canada - September 2026
Compare credit cards designed for newcomers to Canada. Get approved without a Canadian credit history and start building your credit file from day one.
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$170Total$170Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $170
- Welcome offerAfter $1,000 in 3 months
- 10,000 points
Apply Now
on American Express's website
Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
- Features
- Issuer
- Amex
- Network
- Loyalty Program
- Amex Membership Rewards
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- —
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$125Total$125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $125
- Welcome offerAfter $1,000 in 3 months
- Up to $125 cash back
- Ends Oct 31, 2026
Apply Now
on BMO's website
- Features
- Issuer
- BMO
- Network
- Loyalty Program
- Cash Back
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- —
- Rewards
- Rate
- Groceries
- 3x
- Bills & recurring payments
- 1x
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $100
- Welcome offerAfter $2,000 in 4 months
- Up to $100 cash back
Apply Now
on CIBC's website
- Features
- Issuer
- CIBC
- Network
- Loyalty Program
- Cash Back
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- $15,000+
- Rewards
- Rate
- Groceries
- 2x
- Gas & EV
- 1x
- Restaurants
- 1x
- Transit
- 1x
- Bills & recurring payments
- 1x
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $100
- Welcome offer+ 0.99% introductory rate on balance transfers for the first nine monthsAfter $2,000 in 3 months
- Up to $100 cash back
- Ends Nov 1, 2026
Apply Now
on Scotiabank's website
- Features
- Issuer
- Scotia
- Network
- Loyalty Program
- Cash Back
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- $12,000+
- Rewards
- Rate
- Groceries
- 1x
- Gas & EV
- 1x
- Pharmacy
- 1x
- Transit
- 1x
- Bills & recurring payments
- 1x
- Streaming
- 1x
Wealthsimple Prepaid Card
WealthsimpleCash Back
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$25Total$25Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $25
- Welcome offer
- $25 cash back
Apply Now
on Wealthsimple's website
- Features
- Issuer
- Wealthsimple
- Network
- Loyalty Program
- Cash Back
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- —
KOHO Prepaid Mastercard® Everything Plan
KOHOCash Back
- Annual fee
- $177
- Welcome offer
- 2 months free
Apply Now
on KOHO's website
- Features
- Issuer
- KOHO
- Network
- Loyalty Program
- Cash Back
- Fees and terms
- Annual Fee
- $177/yr
- Min. annual income
- —
- Rewards
- Rate
- Gas & EV
- 2x
- Groceries
- 2x
- Transit
- 2x
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Find your perfect card
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
