Looking for the best Capital One Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.
Compare the 5 cards in our selection below. Interested in a card? Click Read review to read our full analysis.
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The Capital One Guaranteed Mastercard is designed for those looking to build or rebuild their credit score without paying annual fees. Approval is guaranteed if you meet the basic eligibility criteria, and you can check your pre-approval without affecting your credit score using the Quick Check tool.
By using your card responsibly and making your payments on time, you demonstrate your ability to manage credit to credit reporting agencies, which helps gradually improve your credit history. Capital One regularly reports your file to the credit bureaus.
You get a credit limit of $300 to $7,000 (security funds may be required) along with all Mastercard benefits: Zero Liability, Mastercard Global Services, and 24/7 customer service. The card also includes a range of everyday protections, such as purchase assurance, extended warranty, and price protection service, as well as some travel coverage.
You can add an authorized user for free. The annual interest rate is 29.9% (21.9% for Quebec residents) for purchases, balance transfers, and cash advances.
The Capital One Smart Rewards™ Mastercard® is the first Canadian card to reward you for paying down your balance. You earn 5 points per dollar paid towards your balance, making it an attractive option for building good credit habits while accumulating rewards, with no annual fee.
Your points never expire and are easily redeemed online, with no minimum amount, for gift cards or account credits. For example, 10,000 points accumulated over two months allow you to get a $25 gift card. You can track the number of points accumulated directly from online banking and from the mobile app.
Before applying, you can check if this card is pre-approved for you using the QuickCheck tool, with no impact on your credit score.
The card includes all Mastercard benefits, including Zero Liability and Mastercard Global Services, as well as a range of everyday protections, such as Purchase Assurance, Extended Warranty and Price Protection, plus certain travel coverage. You can also add an authorized user for free.
The annual interest rate ranges from 21.9% to 29.9% for purchases, balance transfers and cash advances.
Available from $80,000 in personal annual income (or $150,000 per household), the Capital One Quicksilver World Elite Mastercard® combines what you rarely find on a no-fee card: 3% on groceries and gas, no foreign transaction fees, and doubled cash back for your entire first year.
With this card, you get:
First-year offer: Capital One matches, dollar for dollar and with no limit, all the cash back you earn in your first 365 days. That works out to 6% / 6% / 2% in year one1.
The card also includes several insurance coverages:
Available from $50,000 in personal annual income (or $80,000 per household), the Capital One Quicksilver World Mastercard® offers the same rewards as the World Elite version: 3% on groceries and gas, no annual fee, no foreign transaction fees, and doubled cash back for your entire first year.
With this card, you get:
First-year offer: Capital One matches, dollar for dollar and with no limit, all the cash back you earn in your first 365 days. That works out to 6% / 6% / 2% in year one1.
The card also includes several insurance coverages:
The Capital One Guaranteed Secured Mastercard is the secured version of Capital One’s guaranteed-approval card: it is designed for people who want to build or rebuild their credit score, with approval guaranteed as long as you meet the basic eligibility criteria. Unlike the standard version, security funds are required to open this account.
By using your card responsibly and making your payments on time, you show the credit bureaus that you can manage credit, which helps gradually improve your credit history. You can check whether you are pre-approved using the QuickCheck tool, with no impact on your credit score.
The card has no annual fee and gives you access to Mastercard benefits along with everyday protections such as Purchase Assurance and Extended Warranty. You can add an authorized user for free. The annual interest rate is 29.9% (21.9% for Quebec residents) on purchases, balance transfers and cash advances.
