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
British Columbia
Credit cards for newcomers in British Columbia
MSP enrolment is mandatory for eligible B.C. residents, and the province funds the BC Newcomer Services Program for many people the federal settlement program does not cover.
We do not yet have a British Columbia-only credit card page in this edition. The listings below are national programs whose official pages do not exclude British Columbia.
| Listing | Fee or rate | Credit history | What we could verify | Source |
|---|---|---|---|---|
| BMO credit card for newcomersBMO | Confirm the rate on the card you are offered | No Canadian history required up to the stated limit | Unsecured limit advertised up to $5,000 | Provider page |
| Capital One Secured MastercardCapital One Canada | $0 annual fee; 29.9% outside Quebec, 21.9% in Quebec | Security deposit; guaranteed only if four conditions are met | Reports to the credit bureaus | Provider page |
| CIBC card bundled with the newcomer accountCIBC | Annual fee and interest not on the page we checked | Tied to the newcomer account; age 25+ | Bundle values are advertised; confirm the card limit in the application | Provider page |
| Home Trust Secured VisaHome Trust | No annual fee at 19.99%, or $59 at 14.90% | Deposit of $500 to $10,000; not sold in Quebec | Built for thin credit files, including newcomers | Provider page |
| RBC credit card for newcomersRBC Royal Bank | Rate depends on the card; confirm before you apply | No Canadian history required inside a shorter arrival window | Limit advertised up to $15,000 | Provider page |
| Rogers Red MastercardRogers | $0 annual fee, as stated by Rogers; interest not published on this page | Ask in store; a qualifying Rogers service changes the cash-back rate | 2% cash back with a Rogers service | Provider page |
| Scotiabank StartRight credit cardScotiabank | Depends on the card; see the StartRight page | No Canadian credit file required | Unsecured limit advertised up to $15,000 | Provider page |
| TD Cash Back Visa for newcomersTD Canada Trust | $0 annual fee; 21.99% purchases | No history required for the PR limit offer | Up to $150 cash back if opened by November 2, 2026 | Provider page |
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
Home Trust
Home Trust Secured Visa
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
RBC Royal Bank
RBC credit card for newcomers
RBC will consider a credit card for newcomers who do not have Canadian credit history, once an eligible bank account is open. The window is shorter than the five-year banking offer.
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
Scotiabank
Scotiabank StartRight credit card
StartRight participants can apply for an unsecured card without Canadian credit history. Scotiabank's published ceiling is $15,000, and it can change.
Last checked October 19, 2026
TD Canada Trust
TD Cash Back Visa for newcomers
TD points permanent residents and other newcomers to the no-annual-fee Cash Back Visa, and says a permanent resident may be approved for up to $15,000 without a Canadian credit file.
Last checked October 19, 2026
Looking at another province? Start from the credit cards directory.