Best Credit Cards for Beginners in Canada - November 2026

• Get $120 with a Tangerine^® Money-Back World Mastercard^®*.
• Spend $1,500 in your first 3 months to enjoy this Bonus.^††
• Get 2% unlimited cash back in 2 categories of your choice and 0.5% on all your other purchases.
• Plus, unlock a third 2% category when your cash back is deposited into a Tangerine Savings Account.

• No annual fee
• Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances.
• Rates and fee structures may differ for Quebec residents.
• You could get a 0% promotional annual interest rate (“AIR”)^† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee. This promotional offer is not available to residents of Quebec.
• This card is made from 100% recycled plastic.
• Around-the-clock fraud protection
• Use available credit on your credit card to transfer funds right to your chequing account.

Apply for the MBNA True Line^® Mastercard^® credit card today

Welcome Offer: Join and earn up to $125 in value^†

Here’s how it adds up:

• Get $25 cash back after you make your first purchase within the first 4 monthly statements.^†
• Get a 10% cash back welcome bonus for the first 4 monthly statements (up to $100 cash back).^†

Plus, get 2% cash back on eligible grocery purchases!^†

• 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments^†
• 0.5% cash back on all other purchases^†
• Get cash back on demand – redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking^®†

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.^†

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.^†

Get 50% off Disney+ for 6 months

Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement credits.^†

Get all the student-life essentials on a budget

Eligible student clients can get a free SPC+ membership, and receive over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways. Start banking with CIBC and make student life more rewarding.^†

CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.^†

• Get the Card that lets you live in the moment while getting ready for the future. The American Express^® Green Card lets you go for it with every swipe or tap of your Card
• As a new American Express^® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards^® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. That’s $100 towards groceries or concert tickets
• Earn 1x the points on Card purchases
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
• With Amex Experiences^TM and Front Of The Line^® Amex Presale Tickets^®, American Express Cardmembers get access to amazing events in Canada
• Transfer points 1:1 to several frequent flyer and other loyalty programs

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Get up to 7,000 Avion points^ - that's $50 of value in gift cards†! Apply by January 12, 2027

Points and Rewards

• Earn 1.5X Avion points for every $1 spent on groceries, gas, rideshare, streaming services and more¹
• Earn 1X Avion point for every $1 spent on all other qualifying purchases¹
• Start redeeming with as little as 1,400 Avion points, which gets you a $10 gift card²

No annual fee

Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).^†

Plus, get 2% cash back on eligible grocery purchases!^†

• 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments^†
• 0.5% cash back on all other purchases^†
• Get cash back on demand – redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking^®

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.^†

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.^†

Get 50% off Disney+ for 6 months

Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement credits.^†

CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.^†

• Apply for the Tangerine Money-Back Credit Card and receive an additional 10% cash back* (up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.
• Benefit from a promotional interest rate of 1.95% on balance transfers for 6 months.
• Earn 2% cash back on purchases in 2 categories of your choice and 0.5% cash back on all other regular purchases.
• Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category.
• Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.
• There’s no limit to the cash back you can earn on your regular purchases.
• Purchase protection and Extended Warranty

Earn up to 10,000 bonus Scene+ points within your first 3 months¹. Plus, get a 0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 22.99% after that; annual fee $0)¹.

• No annual fee
• Earn 2x Scene+ points¹ for every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, FreshCo and more
• Earn 2x Scene+ points¹ for every $1 you spend at Home Hardware, Home Building Centre and Home Furniture locations in Canada and online at homehardware.ca
• Earn 2x Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• Get up to 10¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027)
• Limited time: until December 31, 2026, get an additional 3¢/L off at Shell when you pay with your linked card in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba and the Northwest Territories (excluding Shell Flying J locations)

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

• Welcome offer: 5% cash back for the first three months*
• Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!
• Enjoy three months of Instacart+ membership and a monthly $5 Instacart credit when you sign up with your eligible BMO credit card*
• Enjoy the most cash back on groceries in Canada without paying an annual fee.
• Get a 0.99% introductory interest rate* on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.
• No annual fee*
• FREE additional cards
• Extended Warranty*
• Purchase Protection*