Annual Fee
Card Type
Cash Advance
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
  • Guaranteed approval – as long as you are the age of majority.
  • Security deposit starts at $200 and goes as high as $10,000.
  • Ability to build and rebuild credit history.
  • No credit history required.
  • Low annual fee of only $12.95, plus a $3 monthly fee.
  • Low interest rate of 17.99% on purchases and cash advances.
  • Free online financial education courses through
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The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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