Best Credit Cards for New Immigrants in Canada This November 2025
Over 65% of new immigrants to Canada seek financial products that help them establish credit quickly and effectively. According to Scotiabank StartRight, specialized credit card programs are becoming increasingly tailored to support newcomers navigating Canada's complex financial landscape. Understanding the right credit card can make a significant difference in building financial stability, which is why exploring top credit card choices is crucial for recent immigrants seeking to establish their financial foothold in Canada.
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Summary Table for Best Credit Cards for New Immigrants in Canada This November 2025
| Card | Annual Fee | Welcome Bonus | Best For | Apply |
|---|---|---|---|---|
|
Scotiabank StartRight® Program - Scotiabank Passport® Visa Infinite Card Travel Rewards |
$150 | 45,000 Scene+ points | Travel Rewards | Apply |
|
Scotiabank StartRight® Program - Scotia Momentum® No-Fee Visa Card Cash Back |
$0 | 5% cash back for first 3 months | Cash Back | Apply |
|
CIBC Dividend Platinum® Visa Card for Newcomers Cash Back |
$99 | 10% cash back for first 4 months (up to $300) | Cash Back | Apply |
|
CIBC Adapta™ Mastercard® Everyday Spending |
$0 | 6,000 Adapta points (up to $50 value) | Everyday Spending | Apply |
|
TD New to Canada Credit Cards Travel Rewards |
$0 | 15,152 TD Rewards Points | Travel Rewards | Apply |
|
Scotiabank American Express® Card (Student version) Students |
$0 | 7,500 Scene+ Points (up to $75 value) | Students | Apply |
1. Scotiabank StartRight® Program - Scotiabank Passport® Visa Infinite Card
The Scotiabank Passport® Visa Infinite Card is a premium travel credit card designed for newcomers to Canada, offering exceptional value with no foreign transaction fees, comprehensive travel insurance, and generous Scene+ points earning potential.
- No foreign transaction fees
- Airport lounge access
- Comprehensive travel insurance
- Scene+ points earning program
Pros
- No foreign transaction fees
- Comprehensive travel insurance
- Generous welcome bonus
- Flexible Scene+ points redemption
Cons
- Higher annual fee of $150
- Requires minimum spending to maximize bonus
- High interest rates for balance carry-over
Why is it Our Top Pick?
The Scotiabank Passport® Visa Infinite Card stands out for newcomers to Canada by offering a robust rewards program, travel benefits, and no foreign transaction fees. Its welcome bonus of up to 45,000 Scene+ points provides exceptional initial value, making it an attractive option for those looking to maximize their spending.
2. Scotiabank StartRight® Program - Scotia Momentum® No-Fee Visa Card
The Scotia Momentum® No-Fee Visa Card is an ideal entry-level credit card for newcomers to Canada, offering a $0 annual fee, attractive cash back rewards, and an introductory 0% interest rate on balance transfers.
- $0 annual fee
- 0% introductory rate on balance transfers
- No minimum income requirement
- Part of StartRight® Program for newcomers
Pros
- No annual fee
- Easy to qualify for newcomers
- Attractive initial cash back offer
- Flexible rewards categories
Cons
- Limited long-term cash back rates
- Standard interest rates after intro period
- Lower rewards compared to premium cards
- Spending cap on initial 5% cash back offer
3. CIBC Dividend Platinum® Visa Card for Newcomers
The CIBC Dividend Platinum® Visa Card for Newcomers offers a unique financial solution tailored specifically for individuals new to Canada, providing an attractive cash back rewards program with an annual fee rebate for the first two years.
- Annual fee rebate for first 2 years
- Cash back rewards on gas and groceries
- Designed specifically for newcomers to Canada
- No foreign transaction fees
Pros
- Tailored for newcomers
- Flexible cash back rewards
- No annual fee for first two years
- Easy to qualify for new immigrants
Cons
- Higher interest rates
- Limited long-term rewards structure
- Requires minimum income threshold
4. CIBC Adapta™ Mastercard®
The CIBC Adapta™ Mastercard® offers a revolutionary rewards program that automatically adapts to your top three spending categories each month, providing personalized points earning with no annual fee.
CIBC Adapta™ Mastercard®
- No annual fee
- Automatic category bonus points
- Flexible points redemption
- Roadside assistance membership
Pros
- No annual fee
- Flexible rewards program
- Easy points redemption
- Welcome bonus for new cardholders
Cons
- Complex rewards tracking
- Lower base earning rate
- Limited long-term value proposition
5. TD New to Canada Credit Cards
TD's New to Canada Credit Cards are specifically designed to help newcomers establish credit in Canada, offering flexible options with welcome bonuses and rewards tailored to help immigrants start their financial journey effectively.
TD New to Canada Credit Cards
- No annual fee for newcomers
- Easy credit card approval process
- Helps build credit history in Canada
- Welcome bonus for new cardholders
Pros
- Designed specifically for newcomers
- No annual fee
- Flexible rewards program
- Easy approval process
Cons
- Limited rewards compared to premium cards
- Higher interest rates
- Minimal travel insurance benefits
6. Scotiabank American Express® Card (Student version)
The Scotiabank American Express® Student Card offers Canadian students a no-fee credit card with attractive rewards, helping them build credit while earning Scene+ points on everyday purchases.
- No annual fee for students
- Minimum credit limit of $1,000
- Welcome bonus for new cardholders
- Scene+ points redemption program
Pros
- No annual fee
- Easy to qualify for students
- Multiple points earning categories
- No credit score required
Cons
- Limited rewards compared to premium cards
- Higher interest rates
- Restricted to student demographic
Final Words
Selecting the ideal financial product ultimately depends on your individual goals, spending patterns, and financial situation. We recommend comparing the features and benefits of our top picks, then taking action to optimize your financial strategy for the current market conditions.
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Frequently Asked Questions: Best Credit Cards for New Immigrants in Canada This November 2025
What are the best credit cards for newcomers to Canada with no credit history in 2025?
Scotiabank StartRight® Program offers the Passport® Visa Infinite Card and Scotia Momentum® No-Fee Visa Card, specifically designed for new immigrants with no Canadian credit history.
How do I qualify for a credit card as a new immigrant in Canada?
CIBC Adapta™ Mastercard® and TD New to Canada Credit Cards require valid work permit, study permit, or permanent resident status, along with proof of income and valid passport.
Which credit card for newcomers has the lowest annual fees in Canada?
The Scotia Momentum® No-Fee Visa Card provides $0 annual fees and is specifically tailored for new immigrants entering the Canadian credit market.
What are the best credit card rewards for new immigrants in Canada in 2025?
The CIBC Dividend Platinum® Visa Card for Newcomers offers up to 4% cash back on grocery purchases and 2% on gas and transit for new Canadian residents.
How can new immigrants build credit quickly with a credit card in Canada?
Scotiabank's StartRight® Program provides credit cards that report to credit bureaus immediately, helping new immigrants establish credit history within 3-6 months of card activation.