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.
Cash Back
Ongoing benefits are detailed below
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.
Amex Membership Rewards
Milesopedia estimate
The BMO CashBack® Mastercard®* has no annual fee, making it risk-free to hold. It comes with a welcome bonus of up to $125. You earn 3x on groceries and 0.5x at restaurants.
Cash Back
Milesopedia estimate
(Up to)
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 up to $100. You earn 2x on groceries and 1x at restaurants.
Cash Back
Milesopedia estimate
(Up to)
The Scotia Momentum® No-Fee Visa* Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of up to $100. You earn 1x on groceries and 0.5x at restaurants.
Cash Back
Milesopedia estimate
(Up to)
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.
Milesopedia estimate
You earn 2x on groceries and 0.5x at restaurants.
Cash Back
Ongoing benefits are detailed below
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
