Secured credit cardsSecured credit cards require a security deposit for those with limited or no credit history to develop credit.
No credit history requirement Look for credit cards specifically designed for newcomers in banks like RBC, BMO, TD, and Scotia.
Low or no annual fees Consider credit cards with low or no annual fees to minimize costs, especially when starting to build credit.
Rewards and benefits Look for cards that align with personal spending habits and offer beneficial rewards.
Foreign Transaction Fees If you frequently travel or purchase in a foreign currency, look for credit cards with low or no foreign transaction fees to save on additional charges.
Introductory Offers Some credit cards may offer interest rates or bonus rewards for the first few months.
Credit LimitConsider credit cards that offer a reasonable credit limit based on individual needs and spending patterns.
Additional features and insuranceSome credit cards offer additional features like extended warranty coverage, purchase protection, or travel insurance.
Mobile and Online Banking Services Look for credit cards that offer user-friendly mobile apps and online banking services to track transaction activities.
Customer service and support Consider the reputation of the credit card issuer for customer service and support.
Customer service and support Consider the reputation of the credit card issuer for customer service and support.