Best Credit Cards for Fair Credit in Canada (July 2026)

Earn up to 45,000 Aeroplan points

Get 14,000 Avion points upon approval - that's $100 of value in gift cards

Welcome More Rewards points 20,000

Get 7,000 Avion points upon approval - that's $50 of value in gift cards

Get up to 5% cash back in your first 3 months

Earn up to $200 in bonus cash back

Earn 2,500 bonus Scene+ points

Get 5% cash back on up to $6,500 in purchases in the first three months

Earn 10,000 Membership Rewards points

Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases

Welcome Bonus of 30,310 TD Rewards Points plus $100 value in TD Rewards Points for Amazon.ca, no annual fee

Get up to 5,000 bonus Moi points (a value of $40) by January 20, 2027

2% cash back on purchases in the first three months

Earn 7,500 bonus Scene+ points (welcome offer includes 2,500 first-spend + 5,000 ongoing)

Earn up to $100 in bonus cash back

Earn 10% cash back for 2 months (Up to $100)

Get up to 10,000 WestJet points, that's a value of up to $100 off travel

5% cash back on up to $2,000 in eligible purchases for first 3 months + 0% intro balance transfer rate

Earn a Welcome Bonus of 10,000 Membership Rewards points

Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants

0% promotional annual interest rate for 12 months on balance transfers

Earn 50,000 bonus PC Optimum™ points

Earn up to $100 in Cash Back Dollars

Get 5% back at Amazon.ca, Whole Foods Market, grocery stores and restaurants for the first 6 months

Earn 25,000 BMO Rewards points when you spend $3,000 in the first 110 days

25,000 bonus points for you

Get a 0% introductory interest rate on Balance Transfers for 18 months

Offer Available: $20 Annual Fee Waiver

Earn up to 20% cash back

Welcome bonus of $25 in Reward Dollars

Earn 30,000 Blue Points when you spend $3,000 in the first 110 days

Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months

Get up to 6,000 Adapta points during your first year (up to $50 in value)

Earn up to 12,500 Aventura Points (up to $125 in travel value) for no annual fee

0% introductory interest rate on balance transfers for first 10 months

0.99% introductory balance transfer rate for first 9 months + first year annual fee waived

Join and earn up to $2,100 in value, including an annual fee rebate for the first 2 years

Earn up to 70,000 Marriott Bonvoy points

35,000 welcome Avion points plus first-year annual fee waiver