1.Scotiabank StartRight® Credit Card
Scotiabank
- 3%Scene+ points on every $1 spent
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points.
Earn 3 Scene+ points on every $1 you spend.
20.99%
22.99%
The Scotiabank StartRight® Credit Card stands out as the top choice because it offers an impressive welcome bonus and rewards structure tailored for newcomers to Canada. With no credit history required, it provides an accessible entry point into the Canadian credit system.
Pros:
- High welcome bonus for newcomers
- No credit history required
Cons:
- Annual fee applies
- Limited to newcomers
2.TD Cash Back Visa* Card
TD Canada Trust
- 1%Cash back on eligible purchases
Earn up to $150 in Cash Back Dollars when you start by opening a new TD Cash Back Visa* Card.
Earn Cash Back Dollars on eligible purchases.
21.99%
22.99%
What sets the TD Cash Back Visa* Card apart is its straightforward cash back rewards structure, making it easy for cardholders to earn rewards on everyday purchases without the complexity of tiered systems.
Pros:
- No annual fee
- Simple cash back rewards
Cons:
- Higher interest rates
- Limited rewards categories
3.TD Rewards Visa* Card
TD Canada Trust
- 1%TD Rewards Points on eligible purchases
Earn a value of CA$50 when you open a new TD Rewards Visa* Card.
Earn TD Rewards Points on eligible purchases.
21.99%
22.99%
This card shines for its flexibility in redeeming rewards, allowing cardholders to choose how they want to use their points, whether for travel, merchandise, or gift cards.
Pros:
- No annual fee
- Flexible rewards redemption
Cons:
- Lower cash back rate
- Limited bonus categories
4.TD® Aeroplan® Visa Platinum* Credit Card
TD Canada Trust
- 1%Aeroplan points on eligible purchases
Earn up to CA$600 in total value, including Aeroplan points.
Earn Aeroplan points on eligible purchases.
21.99%
22.99%
A key differentiator is its focus on travel rewards, making it an excellent choice for frequent flyers who want to earn Aeroplan points towards their next trip.
Pros:
- Generous welcome bonus
- Travel rewards focused
Cons:
- High annual fee
- Limited to Aeroplan rewards
Final Words
As you explore the best starter credit cards with no credit history this May 2026 in Canada, it's essential to choose one that aligns with your financial goals and spending habits. Take time to compare your options, evaluate the benefits and fees, and make informed decisions that will help you build your credit history effectively.
Frequently Asked Questions
The Scotiabank StartRight® Credit Card offers a welcome bonus of up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points. You can also earn 3 Scene+ points on every $1 you spend.
With the TD Cash Back Visa* Card, you can earn a welcome bonus of up to $150 in Cash Back Dollars when you start by opening a new card. Additionally, you earn 1% cash back on eligible purchases, making it a great choice for everyday spending.
The TD Rewards Visa* Card offers a welcome bonus valued at CA$50 when you open a new card. You will also earn 1% in TD Rewards Points on eligible purchases, enhancing your rewards on everyday spending.
Yes, there are credit cards specifically designed for individuals with no credit history, such as the Scotiabank StartRight® Credit Card and TD Cash Back Visa* Card. These cards often have lower eligibility requirements and welcome bonuses to help new users start building their credit.
When choosing a starter credit card, consider factors like annual fees, welcome bonuses, reward rates, and the types of rewards offered. Additionally, evaluate your spending habits to select a card that aligns with your financial goals.
To apply for a credit card with no credit history, research cards designed for newcomers or those without credit. You will need to provide personal information and possibly proof of income, and many banks offer simple online applications.
Cashback credit cards provide a straightforward way to earn rewards on your purchases, typically offering a percentage of your spending back as cash. They often have no annual fees, making them accessible and beneficial for budget-conscious consumers.
