BMO
BMO credit card for newcomers
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.
Last checked October 19, 2026
Rogers
Rogers Red Mastercard
Rogers describes the Red Mastercard on its newcomer page as a no-annual-fee card that earns cash back, and says you start it in a Rogers store.
- Last checked
- October 19, 2026
- Source
- Rogers, mobile and internet for newcomers
- Audience
- Permanent residents, Temporary workers, International students
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What we could verify
- Rogers says the card has zero annual fees.
- 2% cash back on eligible purchases if you have one qualifying Rogers service.
- A 1.5 times redemption bonus on Rogers purchases, which Rogers describes as a 3% cash back value.
- The newcomer page tells you to visit a Rogers store to get started. It does not print a purchase interest rate.
This card sits on the phone company's newcomer page, next to the mobile plans, because Rogers treats it as part of settling in. The cash-back rates above are what that page states. They depend on having a qualifying Rogers service and on Rogers' definition of an eligible purchase.
We are not calling this a 'no credit history' card. The newcomers page does not say that in the section we read. Ask in the store whether a newcomer file is considered, and read the cardholder agreement for the interest rate before you carry a balance.
Who it is for
Rogers' newcomer ID list, on the same site, is a passport plus a work or study permit, a permanent resident card, or a confirmation of permanent residence. The card itself may have extra credit rules. Confirm them in store.
How to act on it
Rogers says to visit a store. Do not apply from a third-party screenshot of the cash-back rate.
Also in credit cards
Capital One Canada
Capital One Secured Mastercard
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
CIBC card bundled with the newcomer account
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