{"id":813174,"date":"2019-10-31T17:00:30","date_gmt":"2019-10-31T21:00:30","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?page_id=813174"},"modified":"2026-05-08T05:24:37","modified_gmt":"2026-05-08T09:24:37","slug":"credit-builder-credit-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/credit-builder-credit-cards","title":{"rendered":"Compare credit building credit cards in Canada"},"content":{"rendered":"

Credit building credit cards can help you build or restore your credit history while you spend. You can expect lower opening credit limits, nominal interest rates, fewer, if any, reward programs in exchange for more lenient eligibility criteria.<\/p>

After all, your credit score and history are the main factors that determine whether you get approved for credit or financing products and they can dictate the terms you\u2019re offered. Having bad credit or no credit history can reduce your chances of getting approved for things like a mortgage, car financing or a credit card. Learn more and compare credit building credit cards in Canada in our guide below.<\/p>

Compare the best credit building cards<\/h3>
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3 of 3 results<\/span><\/small><\/div><\/div><\/div>
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\n Welcome Offer\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Rewards\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Purchase Interest Rate\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Annual Fee\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Min. Credit Score\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th><\/tr><\/thead>
\n 0% rate on balance transfers for 9 months<\/span><\/div><\/td>
\n N\/A <\/span><\/div><\/td>
\n 13.99%\n <\/div><\/td>
\n $0 annual fee for the first year ($29 thereafter)\n <\/div><\/td>
<\/use><\/svg>\n Get a 0% introductory interest rate on balance transfers for 9 months with a 0.99% transfer fee. Plus, get the $29 annual fee waived for the first year. T&Cs apply.\n <\/span><\/div><\/td>
Min. recommended credit score: 660<\/b><\/div><\/td>
Go to site<\/a><\/use><\/svg>View details<\/span><\/a>
Compare product selection<\/legend>
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\"Scotiabank<\/a>
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Scotiabank Value Visa Card<\/a><\/span><\/div><\/td>
\n 0.99% on balance transfers for 9 months<\/span><\/div><\/td>
\n N\/A <\/span><\/div><\/td>
\n 13.99%\n <\/div><\/td>
\n $0 annual fee for the first year ($29 thereafter)\n <\/div><\/td>
<\/use><\/svg>\n Get a 0.99% introductory interest rate on balance transfers for the first 9 months. Plus, pay no annual fee in the first year. Apply by October 31, 2026.<\/b>. T&Cs apply.\n <\/span><\/div><\/td>
Min. recommended credit score: 670
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Go to site<\/a><\/use><\/svg>View details<\/span><\/a>
Compare product selection<\/legend>
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\"Scotia<\/a>
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Scotia Momentum No-Fee Visa Card<\/a><\/span><\/div><\/td>
\n Up to 10% cash back<\/span><\/div><\/td>
\n 1% cash back <\/span><\/div><\/td>
\n 20.99%\n <\/div><\/td>
\n $0\n <\/div><\/td>
<\/use><\/svg>\n Earn 10% cash back on all purchases for the first 3 months (up to $2,000 spend). Plus, get a 0% introductory interest rate on balance transfers for the first 6 months. Apply by July 1, 2026.<\/b>. T&Cs apply.\n <\/span><\/div><\/td>
Min. recommended credit score: 650
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Go to site<\/a><\/use><\/svg>View details<\/span><\/a>
Compare product selection<\/legend>
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