Credit Card
Reviews, comparisons and application guides for credit cards available in Canada, in English and in French: annual fees, interest rates, cash back and points, income requirements and the path to each issuer’s official site.
Credit Card
Featured
Capital One Aspire Travel Platinum: travel miles with no annual fee!
Capital One Aspire Travel Platinum: how to apply
Mastercard Platine Plus récompenses MBNA : des points sans frais annuels!
Mastercard Platine Plus récompenses MBNA : comment faire la demande
Carte Visa Momentum Scotia sans frais annuels : 1 % de remise sur l’épicerie, l’essence et les factures!
Carte Visa Momentum Scotia sans frais annuels : comment faire la demande
Scotia Momentum No-Fee Visa: 1% back on groceries, gas and bills!
Scotia Momentum No-Fee Visa: how to apply
Frequently asked questions
Need help? See some questions we get asked frequently.
Does Kredua issue credit cards?
No. Kredua is an independent information site. We review cards issued by Canadian banks, credit unions and fintechs and link to their official websites; the application, the credit decision and the account are always with the issuer.
What credit score do I need for the cards reviewed here?
It depends on the card. No-fee cash back cards from the big banks and fintechs are generally approved for scores in the fair to good range (roughly 660 and above on the Equifax and TransUnion 300–900 scale); premium travel cards expect very good credit and a minimum income. Each review states what the issuer publishes.
Does checking pre-approval affect my credit score?
No. Pre-approval and eligibility tools use a soft inquiry that other lenders cannot see and that does not change your score. A hard inquiry, which can lower the score by a few points, only happens when you submit the full application.
Still no answer?
Contact us! Our team of specialists will be happy to help.