Best Credit Cards for New Immigrants in Canada (2025 Edition)
Best Credit Cards for New Immigrants in Canada (2025 Edition)
Moving to a new country is exciting — but building your financial life from scratch can be overwhelming. One of the most important first steps for newcomers to Canada is getting a credit card to start building your credit history.
In this guide, we'll cover the best credit cards for new immigrants in Canada in 2025, based on real reviews, no credit history requirements, and useful perks.
Why You Need a Credit Card as a Newcomer
- Build your Canadian credit score from day one
- Make online purchases and subscriptions
- Rent a car or book hotels more easily
- Access cashback or rewards even as a beginner
TIP: Always pay your balance on time to avoid interest and grow your credit score fast.
1. Scotiabank StartRight® Program Credit Card
Best for: Newcomers with no credit history
- No credit history required
- $0 annual fee options
- Up to 5% cashback on groceries & dining
- Apply here (affiliate link)
This card is part of the StartRight program, designed specifically for immigrants. Easy approval + bonus perks.
2. KOHO Prepaid Mastercard
Best for: Budget control + cashback
- No credit check
- 1% cashback on essentials
- Real-time expense tracking with mobile app
- Sign up here (referral link)
KOHO is great for managing your budget without risking debt — and still earns rewards.
3. Tangerine Money-Back Credit Card
Best for: Flexible cashback categories
- Choose 2% cashback on 2 categories
- No annual fee
- Mobile-friendly banking
- Check eligibility
Even newcomers with limited credit history can often qualify if you show proof of income.
Credit Card Comparison Table
| Card | Annual Fee | Credit History Needed | Best Perk |
|---|---|---|---|
| Scotiabank StartRight | $0 | No | 5% Cashback Groceries |
| KOHO Prepaid | $0 | No | Budgeting + Cashback |
| Tangerine Money-Back | $0 | Maybe | Custom Cashback Categories |
Frequently Asked Questions (FAQ)
Can I get a credit card in Canada with no credit history?
Yes! Many Canadian banks offer newcomer-friendly cards that don’t require any history, especially if you have a job or proof of funds.
Does a prepaid card help build credit?
Usually no, but some (like KOHO Credit Building add-on) offer optional programs that report payments to credit bureaus.
What if I get declined?
Try a secured credit card instead — you provide a deposit, and it works like a regular card.
Final Thoughts
Getting your first credit card in Canada is a smart step toward financial independence. Choose one that suits your lifestyle, spending habits, and helps you build credit with minimal fees.
Want more tips for settling in Canada?
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