- 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
Ranking · Updated September 2026
Best Credit Cards for Newcomers to Canada
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 valuation
- $170
- Welcome offer
- 10,000 points
Milesopedia first-year estimateFirst-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.
Apply Now
on American Express Canada'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 valuation
- $125
- Welcome offer
- Up to $125 cash back
Milesopedia first-year estimateFirst-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.
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 valuation
- $100
- Welcome offer
- Up to $100 cash back
Milesopedia first-year estimateFirst-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.
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 valuation
- $100
- Welcome offer
- Up to $100 cash back
Milesopedia first-year estimateFirst-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.
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 Mastercard
WealthsimpleCash Back
- Annual fee
- $0
- Our valuation
- $25
- Welcome offer
- $25 cash back
Milesopedia first-year estimateFirst-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.
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
- No current welcome offer
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
Next step
Find your perfect card
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
