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
CIBC Classic VISA® Card for Students

CIBC Classic VISA® Card for Students

$0 19.99% 21.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
Desjardins VISA® FOR STUDENTS ONLY Credit Card

Desjardins VISA® FOR STUDENTS ONLY Credit Card

$0 19.40%1 19.40% 19.40%
Notes:
  1. Low annual interest rate option of 11.8% for $30 per year.
Home Trust Secured Visa® Card

Home Trust Secured Visa® Card

$49 19.99% 19.99% n/a1
Notes:
  1. Interest rate not mentioned on website.
Laurentian Bank Student VISA® Black Card

Laurentian Bank Student VISA® Black Card

$201 19.99% 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.
Peoples Trust MasterCard

Peoples Trust MasterCard

$701 12.99% 24.50% 0.00%
Notes:
  1. ($5.80/month; collected monthly)
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.
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