Discover the 5 top credit cards for new immigrants to Canada in 2025. Build your credit, earn perks, and get special newcomer benefits with these leading banks.
Why Getting a Credit Card Matters for New Immigrants
A credit card isn’t just a convenience—it’s the first step to building your Canadian credit history and unlocking financial opportunities. The right card helps you:
Build a strong credit score fast
Make safe, cashless purchases
Access rewards, cashback, and welcome bonuses
Qualify easily, even with no credit history
What Makes a Card Ideal for Newcomers?
Easy approval (no or limited credit history required)
Low or no annual fees
Credit-building support and reporting
Rewards or cashback benefits
Welcome bonuses or “new to Canada” features
The 5 Best Credit Cards for Newcomers to Canada (2025)
Here are the top options, chosen for their accessibility, rewards, and newcomer programs:
1. Scotiabank StartRight Program – Scotiabank Value Visa Card
Learn more: Scotiabank StartRight
Annual Fee: $0 for 1st year ($29 after, often waived for newcomers)
Key Benefits:
StartRight program for those with no credit history
Low interest on purchases (12.99%)
Easy approval with newcomer documentation
Strong fraud protection
Why It’s Great:
Tailor-made for new Canadians, with multilingual support and easy eligibility.
2. CIBC Welcome to Canada Banking Package – CIBC Dividend Visa
Annual Fee: $0
Key Benefits:
Guaranteed approval for permanent residents/foreign workers
Earn 2% cashback on groceries, gas, and more (intro offer)
No credit history needed
Free additional cards
Special newcomer telephone line
Why It’s Great:
No-fee, competitive cashback; perfect for building credit and earning on everyday spending.
3. RBC Avion Visa Platinum – RBC Newcomer Advantage
Annual Fee: Typically $0 for 1st year (contact for details)
Key Benefits:
Eligibility with newcomer status (even no credit history)
Earn RBC Rewards Points on all purchases
Welcome bonus offers
Extensive travel and purchase coverage
Why It’s Great:
Flexible reward points that can be redeemed for travel, merchandise, or even tuition payments.
4. TD Cash Back Visa Card – TD New to Canada Banking
Annual Fee: $0
Key Benefits:
Approval with proof of newcomer status
1% cashback on eligible purchases
Low minimum income requirement
Access to newcomer financial advice
Why It’s Great:
Simple, effective card focused on cash rewards and accessibility, even for international students.
5. BMO CashBack Mastercard – BMO NewStart Program
Annual Fee: $0
Key Benefits:
Designed specifically for new immigrants and international students
Up to 5% cashback on promotions, regular rates on essentials
No credit history or Canadian income required at signup
Robust customer support in many languages
Why It’s Great:
Ultra accessible, impressive cashback structure for a no-fee card—excellent first credit builder.
Requirements to Apply as a Newcomer
Proof of immigration status (PR card, work/study permit)
Passport or government-issued ID
Address proof (rental agreement, bill, etc.)
Some programs let you apply before arrival—contact the bank for details!
Tips for Success with Your First Canadian Credit Card
Use the card monthly—small, regular purchases are best.
Always pay on time and in full to avoid interest and build credit.
Monitor your credit score via Borrowell or Credit Karma.
Don’t chase too many cards at once. Start slow!
FAQ: Newcomer Credit Cards in Canada
Q: Can I qualify without a Canadian job or credit history?
A: Yes! Every card listed is specifically designed for new arrivals.
Q: Will using my card build my credit?
A: Yes, as long as you pay at least the minimum and never miss a payment.
Q: Are there credit cards for international students?
A: Yes, BMO, CIBC, and Scotiabank all offer student options for those with study permits.
Q: What about secured credit cards?
A: If you prefer or are declined for unsecured cards, many banks offer secured alternatives for newcomers.
External Resources
Conclusion
Picking your first Canadian credit card is a crucial milestone. These top five options for newcomers will help you build your credit, earn rewards, and establish yourself financially in Canada. Compare features, consider your spending habits, and apply today to secure your financial future!
