Good news! Many Canadians can get instant approval credit cards without a credit check, and there are a variety of credit cards to choose from. You can also avoid a credit check if you sign up as an authorized user on someone else’s account. Either way, we did the legwork, so compare the following features to find the best no-credit-check credit cards for your personal situation.
What is a No-Credit-Check Credit Card?
A no-credit-check credit card is a type of credit card that you can obtain without the issuer checking your credit history through the major credit bureaus. This is beneficial for individuals who have a poor credit history or no credit history at all, as it bypasses the usual assessment, which could otherwise result in a denial for the credit card.
There are different types of no-check credit cards, but they should all be used responsibly in order to build your credit score. You can learn more about the types with an online search.
Who Can Qualify For a No-Credit-Check Credit Card?
The majority of providers require applicants to be 18 years old, a Canadian citizen or a permanent resident with a valid Canadian address, and have a working bank account. However, criteria may vary depending on the issuer, so be sure to do a little digging to determine you’re eligible for a given card. For example, some providers issue credit cards for temporary residents.1
How To Get a Credit Card with No Credit
Look at a number of cards from different providers to find the card that makes the most sense for you. If you don’t know it, it can be helpful to find out your credit score ahead of time to get a sense of which cards you might qualify for.2
If you believe that you meet the eligibility criteria for a specific card, the next step is to apply, adding all required personal information. Be sure to read the fine print of your contract so that you understand the terms and conditions.
Start a Search
There are many credit cards with no credit check you can choose from if you have bad or no credit – you just need to know where to look. Spend some time researching online to compare different types of no-credit-check credit cards and find out which one could make the most sense for your personal situation. With a bit of searching and some persistence, you can begin to build your credit!
