on TD's website
With NBC mycredit Mastercard, you get:
And since it’s a Mastercard credit card, you can use it at Costco.
Cash back is automatically applied to your credit card account balance when each monthly statement is issued…
Apply with confidence!
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
Do you want a cash back credit card with no annual fee that earns travel points? Here’s an option for you: American Express® Green Card.
By signing up for the American Express® Green Card, you can earn 10,000 Membership Rewards Welcome Bonus Points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. This is a $100 value for travel or any purchase on the Card.
You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, Flying Blue, etc.) and hotel partners (Marriott Bonvoy, Hilton Honors).
For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning…
on BMO's website
The BMO CashBack Mastercard is a no-annual-fee, cash-back credit card. With the BMO CashBack Mastercard, you can earn 5% cash back for the first three months. This represents a maximum welcome bonus of $125 :
Then you get a cash back rate of:
on CIBC's website
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!†
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.†
The CIBC Dividend® Visa* Card is one of the best no-fee cash-back Visa credit cards in Canada.
Get 5% cash back on net purchases for the first 4 statements, on up to $2,000 in purchases (up to $100 cash back)†.
Plus, get :
on Scotiabank's website
5% cash back on all purchases (up to $2,000 in total purchases) for the first three months1. 0.99% introductory rate on balance transfers for the first nine months (2% fee per cash advance; thereafter: 22.99%; no annual fee)1.
Rates, fees and other information are effective as of July 2, 2026. Subject to change.
The Scotiabank Momentum No Annual Fee Visa Card is an excellent cash back credit card in Canada. Right now, you can get 5% cash back on all your purchases for the first three months (up to $2,000 in total purchases).
With the Scotiabank Momentum No Annual Fee Visa Card, you get:
It is an excellent no annual fee Visa credit card for cash back. Also note that you can use your cash back at any time (the cash back balance must be at least $25)…
on Wealthsimple's website
With the Wealthsimple prepaid card, you can access your available funds in your Wealthsimple chequing account. Wealthsimple is gradually replacing its Mastercard with a Visa Platinum Prepaid card.
With this welcome offer, you can get $25 cash back as a new Wealthsimple client. To do this, you simply need to open an account and then deposit at least $1 within 30 days.
You can invest your money in an investment account or a cryptocurrency of your choice. Also, you earn interest on your Wealthsimple Cash account balance! Wealthsimple Generation clients can earn an interest rate of up to 2.25%.
In addition, there are no foreign transaction fees for any purchase made in a currency other than the Canadian dollar and no annual fees.
on KOHO's website
Special offer:
Features:
Special offer:
The KOHO Prepaid Mastercard with Everything Plan gives you more cash back:
Arriving in Canada without a credit history? You're not stuck. Most major banks (RBC, TD, Scotiabank, BMO, CIBC, National Bank) offer newcomer programs that approve you on the strength of your immigration status — Permanent Resident, work permit, study permit, or refugee — instead of a Canadian credit file.
Newcomer programs typically waive the credit-history requirement for the first 12 months. You may need to provide proof of arrival (PR card, work/study permit), proof of address, and ID. Once approved, you receive a regular credit card with a starter limit ($500–$5,000) that grows as you build credit.
Prioritize cards that: (1) report to both Equifax and TransUnion from day one, (2) waive the first-year annual fee, (3) include cell phone insurance and travel coverage useful for new arrivals, and (4) come from a bank where you can also open a chequing account to bundle services.
FAQ
Yes. RBC, TD, Scotiabank, BMO, CIBC, and National Bank all offer newcomer programs that approve you based on your immigration status (PR, work permit, study permit) instead of credit history. You typically need to apply within 5 years of arrival.
Most banks require: proof of arrival (PR card, COPR, work or study permit), valid passport or driver's licence, proof of Canadian address, and proof of income or employment. Some let you apply online; others require an in-branch appointment.
If you qualify for a newcomer program (most PRs and work-permit holders do), choose that — it's a regular credit card with a real limit and no deposit. Secured cards are a fallback when newcomer programs reject you.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
