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Best Credit Cards for Bad Credit in Canada - October 2026

Rebuild your credit with cards designed for low scores or no credit history. Secured options, low-fee picks, and credit-builder cards available in Canada.

Scotiabank Value Visa Card
Scotiabank Value® Visa* Card
ScotiaFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $29
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$29
Welcome offer$29 annual fee rebated
First Year Annual Fee Rebate
Ends Jan 3, 2027
Apply Now

on Scotiabank's website

Features
Issuer
Scotia
Network
Loyalty Program
—
Fees and terms
Annual Fee
$29/yr
Min. annual income
$12,000+
Read full review
CIBC Select Visa Card
CIBC Select Visa* Card
CIBCFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $29
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$29
Welcome offer$29 annual fee rebated
First-Year Annual Fee Rebate
Apply Now

on CIBC's website

Features
Issuer
CIBC
Network
Loyalty Program
—
Fees and terms
Annual Fee
$29/yr
Min. annual income
—
Read full review
SimplyCash Card from American Express
SimplyCash® Card from American Express
AmexCash Back
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 3 months
Up to $100 cash back
Apply Now

on American Express's website

Apply 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
Cash Back
Fees and terms
Annual Fee
$0
Min. annual income
—
Read full review
Rewards
Rate
Gas
2x
Groceries
2x
Read full review
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