Best Credit Cards With No Credit Check Canada This November 2025
Nearly 42% of Canadian consumers struggle with traditional credit card approval processes, creating a significant demand for accessible financial products. According to TD Bank, newcomers and individuals with limited credit history face substantial barriers in obtaining credit cards. This guide unveils the top no credit check credit card options that provide financial flexibility for Canadians seeking alternative banking solutions, helping you navigate the complex credit landscape with credit card alternatives tailored to your unique needs.
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Summary Table for Best Credit Cards With No Credit Check Canada This November 2025
| Card | Annual Fee | Welcome Bonus | Best For | Apply |
|---|---|---|---|---|
|
Neo Secured Mastercard Everyday Spending |
$60 | 15% cashback on first purchases | Everyday Spending | Apply |
|
Home Trust Secured Visa Card Everyday Spending |
$0 or $59 | No welcome bonus | Everyday Spending | Apply |
|
Opensky Plus Secured Visa Credit Card Cash Back |
$0 | 10% cash back on everyday purchases | Cash Back | Apply |
|
Neo Credit Mastercard Cash Back |
$0 | $25 bonus on approval | Cash Back | Apply |
|
Tangerine Money-Back Credit Card Cash Back |
$0 | 10% cash back for first 2 months (up to $100) | Cash Back | Apply |
1. Neo Secured Mastercard
The Neo Secured Mastercard is an innovative secured credit card designed to help Canadians build or rebuild their credit while earning rewards. Unlike traditional secured cards, Neo offers unique cashback opportunities at over 10,000 partner retailers, making credit building potentially more rewarding.
Neo Secured Mastercard
- Guaranteed approval with no hard credit check
- Reporting to both TransUnion and Equifax
- Credit limit up to $10,000
- No minimum income requirement
Pros
- Guaranteed approval
- No hard credit check
- Rewards on a secured card
- Helps build credit history
Cons
- Monthly fee of $5
- Higher interest rates compared to traditional credit cards
- Limited to Canadian retailers
Why is it Our Top Pick?
The Neo Secured Mastercard stands out by offering rewards on a secured credit card, which is rare in the market. Its flexible approval process and ability to earn cashback while building credit make it an exceptional choice for those looking to improve their financial standing.
2. Home Trust Secured Visa Card
The Home Trust Secured Visa Card provides a reliable credit-building solution for Canadians with limited or damaged credit history. With flexible deposit options and two distinct interest rate plans, it offers a straightforward path to credit recovery.
Home Trust Secured Visa Card
- Credit limit matches security deposit
- Two interest rate options
- No credit history required
- Reports to credit bureaus
Pros
- Flexible deposit amounts
- Two interest rate plans
- Easy approval
- No minimum credit score required
Cons
- No rewards program
- Higher interest rates
- Limited additional benefits
3. Opensky Plus Secured Visa Credit Card
The Opensky Plus Secured Visa Credit Card is designed for individuals looking to build or rebuild credit with a no annual fee option and flexible security deposit requirements. It offers a straightforward path to establishing credit history without requiring a traditional credit check.
Opensky Plus Secured Visa Credit Card
- No credit check required
- Fully refundable security deposit
- Helps build credit history
- Reports to major credit bureaus
Pros
- No annual fee for Opensky Plus card
- Minimum $300 security deposit
- Helps rebuild credit for unbanked individuals
- Flexible credit limit options
Cons
- High interest rate (29.24%)
- Limited to US market only
- Requires security deposit
- Cash advance fees apply
4. Neo Credit Mastercard
The Neo Credit Mastercard is a flexible Canadian credit card that offers unique cash back rewards across thousands of partner merchants, with a focus on helping Canadians build and improve their credit profile. It provides personalized credit solutions with no annual fee and competitive interest rates.
Neo Credit Mastercard
- Credit limit up to $10,000
- No annual fee
- Online application in minutes
- Secured and traditional card options
Pros
- No annual fee
- Guaranteed approval options
- Builds credit history
- Personalized rewards
Cons
- Varied interest rates
- Monthly fee for secured card
- Limited to Canadian market
- Potential high-interest charges
5. Tangerine Money-Back Credit Card
The Tangerine Money-Back Credit Card offers a flexible cash back rewards program with no annual fee, allowing cardholders to earn up to 2% cash back in personalized spending categories while enjoying a generous welcome bonus.
Tangerine Money-Back Credit Card
- No annual fee credit card
- Customizable cash back categories
- Instant cash back rewards
- No limits on cash back earnings
Pros
- No annual fee
- Flexible rewards categories
- Easy to earn and redeem cash back
- Welcome bonus offer
Cons
- Limited to 2% cash back in 3 categories
- Relatively standard cash back rate
- Requires Tangerine banking relationship for optimal benefits
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 With No Credit Check Canada This November 2025
What are the best no credit check credit cards in Canada for building credit in 2025?
The Neo Secured Mastercard and Home Trust Secured Visa Card are top choices for Canadians looking to rebuild credit with no traditional credit check.
How do I choose the right secured credit card with no credit check in Canada?
Canadians should compare factors like minimum security deposit, annual fees, and credit-building reporting, with the Neo Credit Mastercard offering competitive terms for 2025.
Which no credit check credit card offers the best rewards in Canada this November?
The Tangerine Money-Back Credit Card provides cashback rewards even for individuals with limited credit history, making it an attractive option for secured credit building.
What are the requirements for getting a secured credit card with no credit check in Canada?
Most secured cards like the Opensky Plus Secured Visa Credit Card require a refundable security deposit and proof of income, with minimum deposits typically ranging from $200-$500.