{"id":464700,"date":"2025-10-11T10:16:40","date_gmt":"2025-10-11T14:16:40","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=464700"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"best-credit-cards-for-newcomers-to-canada","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/news\/best-credit-cards-for-newcomers-to-canada\/","title":{"rendered":"Best Credit Cards for Newcomers to Canada"},"content":{"rendered":"\n<p>As a newcomer to Canada, you&#8217;ve likely got a long list of tasks that need doing.<\/p>\n\n\n\n<p>In addition to settling into your new home, you&#8217;re sure to be busy getting paperwork in order, signing up for a phone plan to stay connected with friends and family, and setting up your new financial plan.<\/p>\n\n\n\n<p>While working through your to-do list, you\u2019re likely to wonder: what\u2019s the <strong>best credit card for newcomers to Canada?<\/strong><\/p>\n\n\n\n<p>Choosing the right credit card for your life in Canada and being on the right track in terms of your financial plan is not only incredibly important, but it will also give you a tremendous amount of peace of mind once it&#8217;s all in order.<\/p>\n\n\n\n<p>In this article, we share our top picks for credit cards for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/newcomers-to-canada\/\">newcomers to Canada<\/a> to help you make informed choices so you can build your life in Canada on a strong financial foundation.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"348983\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"766\" height=\"508\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/09\/Best-CC-for-Newcomers-Canada-flag-with-sunset.png\" alt=\"Best Credit Cards for Newcomers to Canada - Best CC for Newcomers Canada flag with sunset\" class=\"wp-image-464703\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/09\/Best-CC-for-Newcomers-Canada-flag-with-sunset.png 766w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/09\/Best-CC-for-Newcomers-Canada-flag-with-sunset-450x298.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/09\/Best-CC-for-Newcomers-Canada-flag-with-sunset-200x133.png 200w\" sizes=\"(max-width: 766px) 100vw, 766px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-credit-cards-for-newcomers-to-canada\">Best Credit Cards for Newcomers to Canada<\/h2>\n\n\n\n\n\n<p>Our picks for the <strong>best credit cards for newcomers to Canada <\/strong>are:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a title=\"National Bank mycredit Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-mycredit-mastercard\/\" rel=\"noindex\">National Bank mycredit Mastercard<\/a><\/li>\n\n\n\n<li><a title=\"RBC ION Visa Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/rbc-ion-visa-card\/\" rel=\"noindex\">RBC ION Visa Card<\/a><\/li>\n\n\n\n<li><a title=\"CIBC Aventura<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-aventura-visa-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Visa* Card<\/a><\/li>\n\n\n\n<li><a title=\"Tangerine Money-Back Credit Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\" rel=\"noindex\">Tangerine Money-Back Credit Card<\/a><\/li>\n\n\n\n<li><a title=\"BMO eclipse rise Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-rise-visa-card\/\" rel=\"noindex\">BMO eclipse rise Visa* Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>Each of these cards are well suited to individuals who are new to Canada, whether you&#8217;re an <strong>international student<\/strong> or on your way to being a <strong>permanent resident.<\/strong> The cards each let you earn helpful rewards points or cash back, and they all come with variety of perks and benefits that can make settling in easier, more comfortable, and more affordable.<\/p>\n\n\n\n<p>Let\u2019s take a look at each card\u2019s details to understand why we\u2019ve added it to our list and how it can fit into your financial plan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"910\" height=\"529\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/09\/Best-CC-for-newcomers-stack-of-credit-cards.png\" alt=\"Best Credit Cards for Newcomers to Canada - Best CC for newcomers stack of credit cards\" class=\"wp-image-464705\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/09\/Best-CC-for-newcomers-stack-of-credit-cards.png 910w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/09\/Best-CC-for-newcomers-stack-of-credit-cards-450x262.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/09\/Best-CC-for-newcomers-stack-of-credit-cards-200x116.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/09\/Best-CC-for-newcomers-stack-of-credit-cards-768x446.png 768w\" sizes=\"(max-width: 910px) 100vw, 910px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-important-things-to-consider\">Important things to consider<\/h3>\n\n\n\n<p>As a newcomer to Canada, there are a few important things to consider when you&#8217;re choosing the best credit card for your needs and situation.<\/p>\n\n\n\n<p>Regardless of whether you&#8217;re applying for a card as a permanent resident, international student, or temporary foreign worker, you want to be aware of the following application requirements\/information:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>annual fee<\/li>\n\n\n\n<li>minimum income requirement<\/li>\n\n\n\n<li>credit score and\/or credit history requirements<\/li>\n\n\n\n<li>type of <strong>rewards points<\/strong> that you earn (e.g., cash back, flexible points, travel points, airline points, hotel points)<\/li>\n<\/ul><\/div>\n\n\n\n<p>Our 5 credit card recommendations in this article give you a range of options, focusing on cards that offer flexible earning and redemption and accessible approval opportunities for those who may not yet have a credit history in Canada.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Check out our guide to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/best-credit-cards-to-build-credit-history\/\">Best Credit Cards to Build Credit History<\/a> to learn about even more excellent credit card options for individuals who are new to Canada or new to building credit.<\/p>\n\n\n\n<p>In this guide, we share some additional recommendations that can help get you started, such as secured credit cards and prepaid options.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--6 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"170834,210569,86318,453543,253379,136815\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-credit-cards-for-newcomers-to-canada-national-bank-mycredit-mastercard\">Best credit cards for newcomers to Canada &#8211; National Bank mycredit Mastercard<\/h3>\n\n\n\n<p>Our first recommendation for <strong>best credit card for a newcomer to Canada<\/strong> is the <a title=\"National Bank mycredit Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/my-credit-national-bank\/\" rel=\"noindex\">National Bank mycredit Mastercard<\/a>.<\/p>\n\n\n\n<p>This card is a great straightforward choice as it has <strong>no annual fee<\/strong> and <strong>no minimum income requirement<\/strong>. To apply, you just need to be the age of majority in your province and a legal resident of Canada.<\/p>\n\n\n\n<p>The\u00a0<a title=\"National Bank mycredit Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/my-credit-national-bank\/\" rel=\"noindex\">National Bank mycredit Mastercard<\/a> <strong>earns 1% cash back<\/strong> on restaurant purchases and eligible recurring pre-authorized payments, like <strong>bill payments<\/strong>. You also <strong>earn 0.5% cash back on all other purchases<\/strong>.<\/p>\n\n\n\n<p>Your accumulated cash back is automatically redeemed to your credit card statement each month, keeping everything nice and simple.<\/p>\n\n\n\n<p>In terms of perks, the card comes with <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/insurance-mobile-devices\/\">mobile device insurance<\/a> which can protect against theft and damage for up to 2 years when you purchase an eligible mobile device with your card. Plus, you can enjoy <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\">extended warranty<\/a> and purchase protection to help protect other purchases made on your card.<\/p>\n\n\n\n<p>National Bank, the issuer of this card, also has <strong>a program set up to help newcomers get set up financially in Canada<\/strong>, with bank accounts, credit cards, and more. You can <a target=\"_blank\" href=\"https:\/\/www.nbc.ca\/personal\/accounts\/newcomers\/canada.html\">learn more about the program on their website<\/a>, and find out how it can help you start your credit card journey even if you don&#8217;t have any Canadian credit history.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"137724,132067\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22649\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-credit-cards-for-newcomers-to-canada-rbc-ion-visa-card\">Best credit cards for newcomers to Canada &#8211; RBC ION Visa Card<\/h3>\n\n\n\n<p>The second card on our list of <strong>best credit cards for newcomers to Canada<\/strong> is the <a title=\"RBC ION Visa Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/rbc-ion-visa-card\/\" rel=\"noindex\">RBC ION Visa Card<\/a>.<\/p>\n\n\n\n<p>Similarly to the National Bank option mentioned above, this card also has <strong>no annual fee<\/strong> and <strong>no minimum income requirement<\/strong>.<\/p>\n\n\n\n<p>The <a title=\"RBC ION Visa Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/rbc-ion-visa-card\/\" rel=\"noindex\">RBC ION Visa Card<\/a> earns flexible <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/rbc-avion-rewards\/\">Avion Rewards<\/a> points, and often comes with a welcome bonus to help get you started.<\/p>\n\n\n\n<p>With this card, you <strong>earn 1.5 Avion points per $1 spent on groceries, gas, rideshare, streaming services, and more<\/strong>. You also <strong>earn 1 Avion point per $1 spent on all other eligible purchases<\/strong>.<\/p>\n\n\n\n<p>Avion points can be quite versatile since they can be redeemed for travel, merchandise, gift cards, and more. You can also transfer your points to other program currencies, like <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/british-airways-club\/\">British Airways Avios<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/westjet-rewards\/\">WestJet points<\/a>, and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/aadvantage-american-airlines\/\">American Airlines AAdvantage miles<\/a>.<\/p>\n\n\n\n<p>Additionally, the <a title=\"RBC ION Visa Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/rbc-ion-visa-card\/\" rel=\"noindex\">RBC ION Visa Card<\/a> comes with a handful of benefits, such as purchase protection and extended warranty, and perks, like savings at Petro-Canada, earning bonus Rexall Be Well points, and a 3-month complimentary DoorDash subscription.<\/p>\n\n\n\n<p>It&#8217;s also important to note that RBC will approve you for some credit cards without you having a Canadian credit history. You can <a href=\"https:\/\/www.rbcroyalbank.com\/dms\/enterprise\/newcomers\/hybrid\/offers.html\">learn more about this opportunity and the bank&#8217;s other newcomer products on their website<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22740\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-credit-cards-for-newcomers-to-canada-cibc-aventura-visa-card\">Best credit cards for newcomers to Canada &#8211; CIBC Aventura<sup>&reg;<\/sup> Visa* Card<\/h3>\n\n\n\n<p>The <a title=\"CIBC Aventura<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/cibc-aventura-visa-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Visa* Card<\/a> is a good credit card for newcomers to Canada thanks to its <strong>$0 annual fee<\/strong> and its<strong> low minimum income requirement of $15,000<\/strong>.<\/p>\n\n\n\n<p>The card earns <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/cibc-aventura\/\">CIBC Aventura<\/a> points at the following rates:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>1 point for every $1 spent on eligible gas stations, electric vehicle charging stations, grocery stores, and drug stores.<\/li>\n\n\n\n<li>1 point for every $1 spent on travel purchase through the CIBC Rewards Centre<\/li>\n\n\n\n<li>1 point for every $2 spent on all other purchases<\/li>\n<\/ul><\/div>\n\n\n\n<p>Once accumulated, Aventura points can be <strong>redeemed for travel items like flights, hotel stays, car rentals, and vacation packages<\/strong>. They can also be <strong>redeemed for merchandise, gift cards, access to activities<\/strong> and more.<\/p>\n\n\n\n<p>As a new cardholder, you also get the following perks:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>12-month Skip+ membership, which can help you save money when you order with Skip the Dishes<\/li>\n\n\n\n<li>up to 10 cents off when you link your card with your Journie Rewards account and fill up your tank at participating gas stations<\/li>\n\n\n\n<li>the ability to send money to over 120 countries for $0 transfer fee<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>If you don&#8217;t have a credit history in Canada, CIBC may still approve you for a credit card through its newcomers program. To find out more about what&#8217;s on offer, check out <a target=\"_blank\" href=\"https:\/\/www.cibc.com\/en\/special-offers\/newcomers.html\">the CIBC newcomers program website<\/a> or visit your nearest CIBC branch.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22690\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-credit-cards-for-newcomers-to-canada-tangerine-money-back-credit-card\">Best credit cards for newcomers to Canada &#8211; Tangerine Money-Back Credit Card<\/h3>\n\n\n\n<p>Our next pick for a <strong>top credit card for newcomers to Canada<\/strong> is the <a target=\"_blank\" title=\"Tangerine Money-Back Credit Card\" href=\"\/go\/tangerine-money-back-credit-card\/\" rel=\"noindex\">Tangerine Money-Back Credit Card<\/a>, which has <strong>no annual fee<\/strong> and <strong>$12,000 minimum income requirement<\/strong>.<\/p>\n\n\n\n<p>As the card&#8217;s name would suggest, with each purchase, you <strong>earn up to 2% cash back<\/strong>, and this cash back is then deposited either onto your credit card or into your <a target=\"_blank\" title=\"Tangerine Savings Account\" href=\"\/go\/tangerine-savings-account\/\" rel=\"noindex\">Tangerine Savings Account.<\/a><\/p>\n\n\n\n<p>The\u00a0<a target=\"_blank\" title=\"Tangerine Money-Back Credit Card\" href=\"\/go\/tangerine-money-back-credit-card\/\" rel=\"noindex\">Tangerine Money-Back Credit Card<\/a> has a unique earning structure in that <strong>you get to choose the two spending categories from which you&#8217;d like to earn 2% cash back<\/strong>. You can choose from options like groceries, restaurants, gas, entertainment, recurring bill payments, and more.<\/p>\n\n\n\n<p>Once you&#8217;ve made your selection, any purchases you make in the other categories will earn the card&#8217;s base rate of 0.5% cash back. However, as an added bonus, you can actually choose a third 2% cash-back category if you decide to have your cash back deposited into your <a target=\"_blank\" title=\"Tangerine Savings Account\" href=\"\/go\/tangerine-savings-account\/\" rel=\"noindex\">Tangerine Savings Account<\/a>.<\/p>\n\n\n\n<p>As a cardholder, you can also <strong>enjoy discounted rates on eligible accommodations with Booking.com<\/strong>, a discount with H&amp;R Block, plus extended warranty and purchase protection.<\/p>\n\n\n\n<p>Also, an important thing to note about banking with Tangerine is that there are no physical locations or ATMs. Since Tangerine is a digital-only bank and a subsidiary of Scotiabank, you can use Scotiabank&#8217;s ATMs, but you will be limited to only phone calls for customer service issues.<\/p>\n\n\n\n<p>Take a look at <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/review-tangerine-money-back-world-mastercard\/\">our review of the card<\/a>, plus our head-to-head comparisons between the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-tangerine-money-back-world-mastercard-vs-cibc-dividend-visa\/\">Tangerine Money-Back Mastercard and the CIBC Dividend Visa<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-credit-card-bmo-rebates-tangerine-cashback\/\">Tangerine Money-Back Mastercard and the BMO CashBack Mastercard<\/a> to get even more details on this great option.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22687\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"478702,71360,183088\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-credit-cards-for-newcomers-to-canada-bmo-eclipse-rise-visa-card\">Best credit cards for newcomers to Canada &#8211; BMO eclipse rise Visa* Card<\/h3>\n\n\n\n<p>The last card on our list of <strong>best credit cards for newcomers to Canada<\/strong> is the\u00a0<a title=\"BMO eclipse rise Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/bmo-eclipse-rise-visa-card\/\" rel=\"noindex\">BMO eclipse rise Visa* Card.<\/a><\/p>\n\n\n\n<p>Like the other cards on this list, the <a title=\"BMO eclipse rise Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/bmo-eclipse-rise-visa-card\/\" rel=\"noindex\">BMO eclipse rise Visa* Card<\/a> has <strong>no annual fee<\/strong>, and the card has <strong>no minimum income requirement.<\/strong><\/p>\n\n\n\n<p>In terms of rewards, this card lets you <strong>earn flexible BMO Rewards points at a rate of 5 points per $2 spent on groceries<\/strong>, <strong>dining\/take-out, and recurring bill payments<\/strong>. When <strong>spending in all other categories, you earn 1 point per $2 spent<\/strong>.<\/p>\n\n\n\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a> points are quite flexible when it comes to their redemption opportunities. You can choose to redeem your points for travel, to cover purchases made on the credit card, or they can be used to make a contribution to your savings or investment account.<\/p>\n\n\n\n<p>The\u00a0<a title=\"BMO eclipse rise Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/bmo-eclipse-rise-visa-card\/\" rel=\"noindex\">BMO eclipse rise Visa* Card<\/a> gives cardholders perks and benefits similar to those offered by the other cards on this list. With this credit card, you can enjoy the following:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>mobile device insurance<\/li>\n\n\n\n<li>extended warranty insurance<\/li>\n\n\n\n<li>purchase security insurance<\/li>\n\n\n\n<li>save up to 7 cents per litre at Shell gas stations<\/li>\n\n\n\n<li>earn bonus bonus points for consistently paying off your full balance<\/li>\n<\/ul><\/div>\n\n\n\n<p>It&#8217;s also worth noting that <a target=\"_blank\" href=\"https:\/\/www.bmo.com\/main\/personal\/newcomers-to-canada\/\">BMO also has a Newcomers to Canada program<\/a> that will help you open a credit card without Canadian credit history, and which will generally help you get set up financially.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"334052\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-credit-card-should-you-choose-as-a-newcomer-to-canada\">Which Credit Card Should You Choose as a Newcomer to Canada?<\/h2>\n\n\n\n<p>Deciding which credit card is best for you will depend on your personal financial situation and desires.<\/p>\n\n\n\n<p>For example, if you don&#8217;t yet have a credit history in Canada, you&#8217;ll definitely want to focus on choosing a credit card from a bank like BMO, National Bank, or CIBC, which all have programs set up to help get you started financially even without Canadian credit history.<\/p>\n\n\n\n<p>Additionally, you&#8217;ll want to consider what type of rewards program you find most valuable.<\/p>\n\n\n\n<p>Do you want to earn flexible, travel-focused points? If so, you probably want to look at the <a title=\"CIBC Aventura<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/cibc-aventura-visa-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Visa* Card,<\/a> the <a title=\"BMO eclipse rise Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/bmo-eclipse-rise-visa-card\/\" rel=\"noindex\">BMO eclipse rise Visa* Card,<\/a> or the\u00a0<a title=\"RBC ION Visa Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/rbc-ion-visa-card\/\" rel=\"noindex\">RBC ION Visa Card<\/a>.<\/p>\n\n\n\n<p>Or perhaps you would prefer the simplicity of cash back. In this case, you might prefer the\u00a0<a target=\"_blank\" title=\"Tangerine Money-Back Credit Card\" href=\"\/go\/tangerine-money-back-credit-card\/\" rel=\"noindex\">Tangerine Money-Back Credit Card<\/a> or the\u00a0<a title=\"National Bank mycredit Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/my-credit-national-bank\/\" rel=\"noindex\">National Bank mycredit Mastercard.<\/a><\/p>\n\n\n\n<p>Also, in making your choice, don&#8217;t forget to consider the cost of the annual fee and weigh this against the value of the rewards you can earn and the perks and benefits offered by the card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>Choosing the best credit cards as a newcomer to Canada is one of about a million things on your to-do list when you&#8217;re new to the country.<\/p>\n\n\n\n<p>Whether you&#8217;re looking for a card with no annual fee, one that earns valuable points, or one that lets you get started without having Canadian credit history, we&#8217;re sure you&#8217;ll find a card that suits your needs and that will help you on your specific financial journey.<\/p>\n\n\n\n<p>We hope you&#8217;ve found this article helpful in terms of sorting through the ins and outs of Canadian credit cards, and we want to warmly say: Welcome to Canada!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_get_a_credit_card_without_a_credit_history_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I get a credit card without a credit history in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes. Many banks have created programs specifically for newcomers to Canada and will help approve you for a credit card even if you don&#8217;t yet have a credit history in Canada.<\/p>\n<p>In this case, it&#8217;s best to visit a bank branch in person so that you can speak with representative.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_it_possible_to_get_a_credit_card_with_no_income_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs it possible to get a credit card with no income?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes. There are a number of credit cards in Canada that don&#8217;t have a minimum income requirement. We&#8217;ve written a guide on exactly this topic, so take a look there to start your research: <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/credit-cards-with-no-minimum-income-requirement\/\">Credit Cards With No or Low Minimum Income Requirement<\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_get_a_credit_card_if_im_in_canada_as_an_international_student_or_a_temporary_foreign_worker_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I get a credit card if I&#8217;m in Canada as an international student or a temporary foreign worker?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes! Many Canadian banks offer credit card options for international students and temporary foreign workers.<\/p>\n<p>The exact requirements to be approved will depend on which bank you choose, so we recommend that you reach out to your bank of choice to see what they can offer.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Learn all about the best credit cards for newcomers to Canada and get your financial journey off to the best start 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