- Features
- Issuer
- TD
- Network
- Loyalty Program
- —
- Fees and terms
- Annual Fee
- $25/yr
- Min. annual income
- —
Best Credit Cards for Bad Credit in Canada - October 2026
Rebuild your credit with cards designed for low scores or no credit history. Secured options, low-fee picks, and credit-builder cards available in Canada.
- Annual feeNo annual fee the first year
- $0 $29
- Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $29
- Welcome offer$29 annual fee rebated
- First Year Annual Fee Rebate
- Ends Jan 3, 2027
Apply Now
on Scotiabank's website
- Features
- Issuer
- Scotia
- Network
- Loyalty Program
- —
- Fees and terms
- Annual Fee
- $29/yr
- Min. annual income
- $12,000+
- Annual feeNo annual fee the first year
- $0 $29
- Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $29
- Welcome offer$29 annual fee rebated
- Two-Year Annual Fee Rebate
Apply Now
on CIBC's website
- Features
- Issuer
- CIBC
- Network
- Loyalty Program
- —
- Fees and terms
- Annual Fee
- $29/yr
- Min. annual income
- —
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $100
- Welcome offerAfter $2,000 in 3 months
- Up to $100 cash back
Apply Now
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
- Features
- Issuer
- Amex
- Network
- Loyalty Program
- Cash Back
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- —
- Rewards
- Rate
- Gas & EV
- 2x
- Groceries
- 2x
- Features
- Issuer
- MBNA
- Network
- Loyalty Program
- —
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- —
- Features
- Issuer
- MBNA
- Network
- Loyalty Program
- —
- Fees and terms
- Annual Fee
- $39/yr
- Min. annual income
- —
- Features
- Issuer
- National Bank
- Network
- Loyalty Program
- Cash Back
- Fees and terms
- Annual Fee
- $35/yr
- Min. annual income
- —
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Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
