Bad Credit/Build Credit

The following credit cards will help you build or rebuild your credit rating or credit score. You can apply for these credit cards online by following the Apply Now link. All of these cards are available in Canada.

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Capital One® Guaranteed MasterCard® Apply Now

Capital One® Guaranteed MasterCard®

Interest on:

Annual Fee

$59

Purchases

19.80%

Cash Advances

19.80%

Balance Transfers

19.80%

  • May help you strengthen your credit history
  • 24/7 customer service online or by phone
  • Security funds may be required

More information about the Capital One® Guaranteed MasterCard®

Capital One® Guaranteed Secured MasterCard® Apply Now

Capital One® Guaranteed Secured MasterCard®

Interest on:

Annual Fee

$59

Purchases

19.80%

Cash Advances

19.80%

Balance Transfers

19.80%

  • Guaranteed access to credit
  • May help you establish or re-establish your credit history
  • Security funds required

Capital One® Low Rate Guaranteed MasterCard® Apply Now

Capital One® Low Rate Guaranteed MasterCard®

Interest on:

Annual Fee

$79

Purchases

14.90%

Cash Advances

19.80%

Balance Transfers

14.90%

  • Low annual interest rate of 14.9% on purchases and balance transfers
  • Annual interest rate for cash advances is 19.8%
  • May help you strengthen your credit history
  • Security funds may be required

L’earn® VISA* card Apply Now

L’earn® VISA* card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

21.99%

Balance Transfers

21.99%

Accelerated Moneyback reward program designed with students in mind

  • Earn up to 1% Moneyback every year on the purchases you've made with your card
  • 20% discount rates at Avis Car Rental

More information about the L’earn® VISA* card

CIBC Classic VISA® Card for Students Apply Now

CIBC Classic VISA® Card for Students

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

21.50%

Balance Transfers

n/a1

  • Protect your purchases with automatic replacement, repair or reimbursement coverage for most personal items, if lost, stolen or damaged within 90 days of purchase with the card
  • Extended protection. Doubles the original Canadian or U.S. manufacturer's warranty automatically, up to one additional year on most items purchased with the card
  • CIBC CreditSmart®, a revolutionary array of smart credit management features

Notes:
  1. Interest rate not mentioned on website.
More information about the CIBC Classic VISA® Card for Students

Desjardins VISA® FOR STUDENTS ONLY Credit Card Apply Now

Desjardins VISA® FOR STUDENTS ONLY Credit Card

Interest on:

Annual Fee

$0

Purchases

19.40%1

Cash Advances

19.40%

Balance Transfers

19.40%

  • Cell Phone Insurance at no charge, in the event of loss or theft
  • Ticket reservation service
  • Accord D Desjardins financing, a second, separate credit limit
  • Cash advances up to $2,500 per day, anywhere in the world

Notes:
  1. Low annual interest rate option of 11.8% for $30 per year.

Home Trust Secured Visa® Card Apply Now

Home Trust Secured Visa® Card

Interest on:

Annual Fee

$49

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

n/a1

  • Requires a security deposit for eligibility. Credit limit is then set at the amount of the deposit. You can put down as little as $1,000, or as much as $10,000
  • To cancel your card, just pay off your outstanding balance, and you'll get your security deposit back from Home Trust
  • Virtually everyone is approved

Notes:
  1. Interest rate not mentioned on website.
More information about the Home Trust Secured Visa® Card

Laurentian Bank Student VISA® Black Card Apply Now

Laurentian Bank Student VISA® Black Card

Interest on:

Annual Fee

$201

Purchases

19.99%

Cash Advances

n/a2

Balance Transfers

n/a3

  • Reward Me Rewards Program: $1 purchase = 1 point
  • Redemption starts at 2,600 points
  • Protect your possessions with purchase insurance and extended guarantees, and double the manufacturer's guarantee for up to one year
  • When you spend over $200 net on purchases during your billing cycle, Laurentian Bank will offer to reimburse your monthly fees

Notes:
  1. Calculated from fee of $1.66 per month.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
More information about the Laurentian Bank Student VISA® Black Card

National Bank of Canada MasterCard® MC1 Credit Card Apply Now

National Bank of Canada MasterCard® MC1 Credit Card

Interest on:

Annual Fee

$0

Purchases

19.50%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Designed for young adults, this card lets you build a credit history
  • MasterCard Zero Liability
  • Purchase insurance - For a period of 90 days following the purchase date
  • Extended warranty on purchases - Doubles the manufacturer's guarantee up to one additional year

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.

National Bank of Canada MasterCard® Syncro Credit Card Apply Now

National Bank of Canada MasterCard® Syncro Credit Card

Interest on:

Annual Fee

$35

Purchases

8.90%1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Benefit from a variable interest rate that keeps up with changes in the market
  • Purchase insurance - For a period of 90 days following the purchase date
  • Extended warranty on purchases - Doubles the manufacturer's guarantee up to one additional year

Notes:
  1. Comprised of a variable prime rate established by the National Bank, to which is added a fixed adjustment rate of 4%.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.

RBC® VISA® Classic II Student Apply Now

RBC® VISA® Classic II Student

Interest on:

Annual Fee

$15

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

n/a1

  • Earn one RBC Rewards point for every dollar in purchases you make with your card. Keep collecting points and redeem for travel rewards, merchandise items, gift certificates, and RBC Registered Rewards
  • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
  • RBC Rewards start as low as 2,500 points
  • Exchange RBC Rewards points for Esso Extra points

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® VISA® Classic II Student

RBC® VISA® Classic Student Apply Now

RBC® VISA® Classic Student

Interest on:

Annual Fee

$0

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

n/a1

  • Helps university and college students build a credit history while enjoying the worldwide acceptance and convenience of an RBC Royal Bank Visa card

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® VISA® Classic Student
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