Compare credit cards designed for newcomers to Canada. Get approved without a Canadian credit history and start building your credit file from day one.
The National Bank mycredit™ Mastercard® has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 1x at restaurants. Estimated first-year value is $192.
Cash Back
The American Express® Green Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 10,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $680.
Amex Membership Rewards
The BMO CashBack® Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $125. You earn 3x on groceries and 0.5x at restaurants. Estimated first-year value is $500.
Cash Back
Ends Oct 31, 2026
The CIBC Dividend® Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $100. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $427.
Cash Back
The Scotia Momentum® No-Fee Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $100. You earn 1x on groceries and 0.5x at restaurants. Estimated first-year value is $334.
Cash Back
Ends Nov 1, 2026
The Wealthsimple Prepaid Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $25. Estimated first-year value is $325.
You earn 2x on groceries and 0.5x at restaurants. Estimated first-year value is $153.
Cash Back
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
