Best Credit Cards for Newcomers to Canada
Last updated:
By CardFinder Editorial Team Affiliate Disclosure
Moving to Canada means starting your credit history from scratch. Newcomer credit cards are designed for new immigrants and permanent residents who don't yet have a Canadian credit score. These cards help you build credit while earning rewards on everyday spending.
Top 3 Cards
Best for Newcomers
Neo Financial Mastercard
MastercardNeo Financial · No annual fee
no-feecashbacknewcomers
Pros
- +No annual fee
- +High cashback at partner stores
- +Guaranteed approval (secured option)
Cons
- –Low earn rate outside partner network
- –Partner network still growing
Scotiabank Scene+ Visa Card
VisaScotiabank · No annual fee
no-feeentertainmentnewcomersstudent
Pros
- +No annual fee
- +5x at Cineplex theatres
- +Scene+ redeemable at Sobeys/FreshCo
Cons
- –Only 1x earn rate on most purchases
- –Low point value
RBC Rewards+ Visa Card
VisaRBC · No annual fee
no-feestudentsnewcomerspoints
Pros
- +No annual fee
- +RBC Rewards points ecosystem
- +Available to students and newcomers
Cons
- –Low earn rate
- –Points less flexible than cashback
Quick Comparison
| Card | Annual Fee | Network | Groceries | Gas | Dining | Travel | Welcome Bonus | |
|---|---|---|---|---|---|---|---|---|
| Neo Financial Mastercard | No annual fee | mastercard | 1x | 1x | 1x | 0.5x | — | Apply |
| Scotiabank Scene+ Visa Card | No annual fee | visa | 1x | 1x | 1x | 1x | — | Apply |
| RBC Rewards+ Visa Card | No annual fee | visa | 1x | 1x | 1x | 1x | — | Apply |
How We Chose These Cards
We prioritized cards that accept applicants without a Canadian credit history, charge no annual fee, and offer a path to upgrading to premium cards as your credit score improves.
We rank cards based on category fit, fees, and commonly used perks. Learn more about our methodology.
Frequently Asked Questions
Related Resources
Offers and terms can change. Always confirm details on the issuer's website before applying. We are not a bank.