Credit-Card-Guide.ca: Your guide to choosing the right credit card

Capital One

Capital One Canada offers Canadians a variety of MasterCard credit cards to fit your financial requirements. They are one of the only credit card companies who offer purchasers a guaranteed card to help you establish or re-establish your credit history. This is incredibly useful if you are new to Canada or are applying for your first credit card. If you already have a decent credit history, you can apply for their rewards, no fee or low rate credit cards. Unfortunately, Capital One credit cards are not available to residents in QC, NT, NU, or YT.

Excellent and Good Credit

SmartLine Platinum™ MasterCard® with no annual fee
	$0 annual Fee Annual Interest rate of 5.99% on purchases and balance transfers Add Reward Miles or 1% Cash Back for an annual fee of only $99 Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	5.99%	$0	-	No

Miles Platinum MasterCard® with No Hassle Rewards™
	$0 annual Fee Annual Interest Rate of Prime + 17.55% 1 reward mile per $1 spent on purchases 5,000 bonus reward miles on your first purchase Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	Prime + 17.55%	$0	-	Yes

Cash Back Platinum MasterCard® with No Hassle Rewards™
	$0 annual Fee Annual Interest Rate of Prime + 17.55% Up to 1% cash back on your purchases Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	Prime + 17.55%	$0	-	Yes

Miles Plus Platinum MasterCard® with No Hassle Rewards™
	$99 annual Fee Annual Interest Rate of Prime + 17.55% 2 reward miles per $1 spent on purchases 25,000 bonus reward miles on your first purchase Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.8%	$99	-	Yes

Cash Back Plus Platinum MasterCard® with No Hassle Rewards™
	$99 annual Fee Up to 2% cash back on your purchases Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.8%	$99	-	Yes

Credit Needs Improvement

Capital One ® Guaranteed Gold MasterCard ®
	$59 annual Fee 24/7 customer service online or by phone Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.8%	$59	-	No

Capital One ® Low Rate Guaranteed MasterCard
	$79 annual Fee 14.9% on annual purchases and balance transfers, and 19.8% on cash advances Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	14.9%	$79	-	No

Capital One ® Cash Back Guaranteed MasterCard® for Gas & Groceries
	$79 annual Fee 19.8% on annual purchases 2% cash back on gas purchases, 2% cash back on grocery purchases, 1% cash back on all your other purchases Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.8%	$79	-	No

Establish Credit

Capital One ® Guaranteed Secured MasterCard®
	$59 annual Fee 24/7 customer service online or by phone Requires a minimum $75 in Security Funds Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.8%	$59	-	No

Capital One ® Low Rate Guaranteed Secured MasterCard®
	$69 annual Fee 14.9% on annual purchases and balance transfers, and 19.8% on cash advances Requires a minimum $75 or $300 in Security Funds Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	14.9%	$69	-	No

Capital One ® Guaranteed MasterCard® for Newcomers
	$59 annual Fee 24/7 customer service online or by phone Not available to residents of QC, NT, NU, or YT.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.8%	$59	-	No

Reward Credit Cards
Cash Back Credit Cards
Reward Credit Cards
Gas Cards
Travel Credit Cards

Everyday Credit Cards
Low Interest Credit Cards
No Annual Fee Credit Cards
Student Credit Cards
Secured Credit Cards

Other Credit Cards
Small Business Credit Cards
US Dollar Credit Cards
Store Credit Cards
Prepaid Credit Cards