BMO says a newcomer can apply for an unsecured card up to $5,000 with no Canadian credit history, and for a secured card if that application is declined.
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BMO's newcomer credit page is more conservative than RBC, TD, and Scotiabank on the unsecured limit. The number on the page is $5,000, not $15,000. Use that number. The NewStart chequing program is what makes you a 'newcomer' in BMO's system, and the bank tells you to apply for the card in a branch.
We did not copy a purchase APR because this page is a category page, not a single card agreement. The eclipse Rise Visa welcome points mentioned on the NewStart banking page (20,000 points after $1,500 spend in three months, plus a further bonus) are a separate promotion. Confirm the current points offer before you choose a card for the bonus rather than for the limit.
BMO says a newcomer in Canada may apply. You will be asked for status documents and two pieces of ID. Approval is not automatic.
Visit a BMO branch. The page says the conversation happens in person.
A secured Mastercard for building or repairing credit in Canada. You put up security funds. Capital One says approval is guaranteed if you meet four published conditions.
Last checked October 19, 2026
CIBC's newcomer page points you at a Dividend Platinum Visa and a bundle bonus on top of the Smart Account. We are not stating an interest rate because that page does not print one.
Last checked October 19, 2026
A secured Visa that Home Trust explicitly offers to newcomers, students, and others without a conventional Canadian credit file. Your deposit sets the limit. The card is not sold in Quebec.
Last checked October 19, 2026