Credit Cards with No Credit Check in Canada

Guaranteed approval options for Canadians with bad credit, bankruptcies, collections, or no credit history at all.

Do No Credit Check Cards Exist in Canada?

Truly "no credit check" credit cards are rare in Canada — most lenders run at least a soft inquiry. However, several cards offer guaranteed or near-guaranteed approval regardless of your credit score. These fall into two categories: secured credit cards (require a deposit) and prepaid cards (not technically credit, but function similarly).

Guaranteed Approval Options in Canada

Product	Credit Check?	Deposit Required	Builds Credit?
Capital One Guaranteed Secured MC	Soft check only	$75 min	Yes
Home Trust Secured Visa	Soft check	$500 min	Yes
Neo Secured Mastercard	Soft check	$50 min	Yes
KOHO Prepaid Visa	No check	$0	Via optional add-on
Refresh Financial Secured Visa	Soft check	$200 min	Yes

Capital One Guaranteed Secured Mastercard

Capital One explicitly markets this as a "guaranteed" secured card — you will be approved as long as you're a Canadian resident, 18+ years old, and not currently in bankruptcy proceedings. The minimum deposit is $75 and your credit limit equals your deposit. Annual fee of $59 applies. Activity is reported to both Equifax and TransUnion monthly.

KOHO — No Credit Check at All

KOHO's prepaid Visa has zero credit check requirement. Sign up with just your name, email, and phone number. You get a Visa card that works anywhere Visa is accepted. No credit check, no deposit, no annual fee, and 1% cash back on groceries and transit. KOHO also offers an optional $10/month credit building service that reports to Equifax — so you can build credit without any traditional credit card.

What to Watch Out For

• High annual fees — Some guaranteed-approval cards charge $75–$120/year. Compare carefully.
• High interest rates — Guaranteed cards often charge 19.99%–29.99%. Always pay in full.
• Predatory products — Avoid cards charging monthly "membership fees" on top of annual fees.
• No credit building — Prepaid cards don't build credit on their own without optional features.

How to Get Approved With Bad Credit

Even with a very low credit score (below 560), you have options in Canada. The secured card route is the most reliable: put down a deposit, get approved, use the card for small monthly purchases, and pay in full. After 12 months of on-time payments, most lenders will upgrade you to an unsecured card and return your deposit.

After a bankruptcy in Canada, you're typically discharged after 9 months (first-time, no surplus income). Once discharged, you can immediately apply for a secured card to start rebuilding.

Building Credit Fast After Approval

• Use the card for one recurring bill (Netflix, phone, etc.) each month.
• Pay the balance in full on or before the due date every month.
• Keep your balance below 30% of your limit at all times.
• Don't apply for other credit products for 6 months.
• Monitor your Equifax and TransUnion scores monthly via free apps.