{"id":779169,"date":"2019-05-10T01:13:53","date_gmt":"2019-05-10T05:13:53","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=779169"},"modified":"2026-04-30T17:18:16","modified_gmt":"2026-04-30T21:18:16","slug":"minimum-credit-score-credit-card-approval","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/minimum-credit-score-credit-card-approval","title":{"rendered":"What credit score is needed for a credit card in Canada?"},"content":{"rendered":"

The minimum credit score for credit card approval in Canada depends on the card you want. Generally, you need a good score (660+) to apply for most cards with rewards and benefits, but there are options for bad and fair credit applicants. Find out what credit score is needed for a credit card in Canada, and review cards for bad, fair, good and excellent scores.<\/p>

Minimum credit score for popular Canadian credit cards<\/h3>

\u00a0<\/p>
<\/th>Card<\/th>Min. credit score<\/th><\/th><\/tr><\/thead>
\"Neo<\/td>
Neo Secured Mastercard<\/strong><\/div><\/td>
N\/A<\/td>Apply now<\/a><\/td><\/tr>
\"Picture<\/td>
Tangerine Money-Back Credit Card<\/strong><\/div><\/td>
600<\/td>Apply now<\/a><\/td><\/tr>
\"Neo<\/td>
Neo Mastercard<\/strong><\/div><\/td>
640<\/td>Apply now<\/a><\/td><\/tr>
\"BMO<\/td>
BMO CashBack Mastercard<\/strong><\/div><\/td>
660<\/td>Apply now<\/a><\/td><\/tr>
\"AMEX<\/td>
American Express Cobalt Card<\/strong><\/div><\/td>
700<\/td>Apply now<\/a><\/td><\/tr>
\"BMO<\/td>
BMO eclipse Visa Infinite Privilege<\/strong><\/div><\/td>
760<\/td>Apply now<\/a><\/td><\/tr><\/tbody><\/table>

What credit score is needed for a credit card in Canada?<\/h3>

There is no minimum credit score for credit card approval in Canada\u2014you can apply with any score. But you won\u2019t get approved for most cards unless your score is at least 660 (good). Many credit cards come with rewards points, cash back and free insurance. Credit cards for bad and fair credit are easier to get but may come with lower limits and less benefits.
\"Very<\/p>