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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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Interest On

Annual Fee Purchases Cash
Advances
Capital One® Cash Back Guaranteed MasterCard® for Gas & Groceries

Capital One® Cash Back Guaranteed MasterCard® for Gas & Groceries

$79 19.80% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
Capital One® Guaranteed MasterCard®

Capital One® Guaranteed MasterCard®

$59 19.80% 19.80% 19.80%
Capital One® Guaranteed Secured MasterCard®

Capital One® Guaranteed Secured MasterCard®

$59 19.80% 19.80% 19.80%
Capital One® Low Rate Guaranteed MasterCard®

Capital One® Low Rate Guaranteed MasterCard®

$79 14.90% 19.80% 14.90%
Capital One® Low Rate Guaranteed Secured MasterCard®

Capital One® Low Rate Guaranteed Secured MasterCard®

$69 14.90% 19.80% 14.90%
BMO SPC Mosaik MasterCard®

BMO SPC Mosaik MasterCard®

$0 19.50%1 19.50% 19.50%
Notes:
  1. Low 11.9% interest rate available for an additional $35 per year.
CIBC Classic VISA® Card for Students

CIBC Classic VISA® Card for Students

$0 18.50%1 21.50%2 n/a3
Notes:
  1. Changing to 19.5% beginning November 2009.
  2. Begins November 2009.
  3. Interest rate not mentioned on website.
Desjardins VISA® FOR STUDENTS ONLY Credit Card

Desjardins VISA® FOR STUDENTS ONLY Credit Card

$0 19.40%1 n/a2 n/a3
Notes:
  1. Low annual interest rate option of 11.8% for $30 per year.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
Home Trust Secured Visa® Card

Home Trust Secured Visa® Card

$0 24.99% 24.99% n/a1
Notes:
  1. Interest rate not mentioned on website.
Laurentian Bank Student VISA® Black Card

Laurentian Bank Student VISA® Black Card

$0 19.92%1 n/a2 n/a3
Notes:
  1. Calculated from fee of $1.66 per month.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
National Bank of Canada MasterCard® MC1 Credit Card

National Bank of Canada MasterCard® MC1 Credit Card

$0 19.50% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
National Bank of Canada MasterCard® Syncro Credit Card

National Bank of Canada MasterCard® Syncro Credit Card

$35 8.90%1 n/a2 n/a3
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

RBC® VISA® Classic II Student

$15 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
RBC® VISA® Classic Student

RBC® VISA® Classic Student

$0 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
Scotiabank L'earn VISA® Card for Students

Scotiabank L'earn VISA® Card for Students

$0 18.59% 18.59% n/a1
Notes:
  1. Interest rate not mentioned on website.
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