{"id":453543,"date":"2025-07-22T14:27:07","date_gmt":"2025-07-22T18:27:07","guid":{"rendered":"https:\/\/milesopedia.com\/?p=453543"},"modified":"2026-01-05T12:44:27","modified_gmt":"2026-01-05T17:44:27","slug":"best-credit-cards-to-build-credit-history","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-credit-cards-to-build-credit-history\/","title":{"rendered":"Best Credit Cards to Build Credit History"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Building a good credit history is important to your financial success in Canada.<\/p>\n<p>Whether you\u2019re a younger person just starting out on your credit journey or a newcomer to Canada, it&#8217;s a good idea to learn about how the <a href=\"https:\/\/milesopedia.com\/en\/newcomers-to-canada\/\">Canadian financial system<\/a> works and the best ways to build a good financial foundation for your life.<\/p>\n<p>In this article, we share the best credit cards to help you build your credit history and get yourself going on your credit journey.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What Is Credit History and Why Does It Matter?&#8221; css=&#8221;&#8221; el_id=&#8221;what_is_credit_history_and_why_does_it_matter_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Your credit history is a record of how well you&#8217;ve managed your credit over time. This information is based on the credit accounts you have (credit cards, lines of credit, mortgages, etc.), and details information such as:<\/p>\n<ul>\n<li>How much you owe<\/li>\n<li>Whether you make payments on time<\/li>\n<li>Whether you&#8217;ve ever gone over a credit limit<\/li>\n<li>Whether you&#8217;ve ever declared bankruptcy<\/li>\n<\/ul>\n<p>The information is them compiled into your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/build-credit-report-student\/\">credit report<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/good-credit-score-canada\/\">credit score<\/a> by a credit bureau like <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/equifax-canada-evaluation\/\">Equifax<\/a> and <a target=\"_blank\" href=\"https:\/\/www.transunion.ca\/\">TransUnion<\/a>.<\/p>\n<p>Your credit history and credit score are both important as this information is what\u2019s used when you apply for credit cards, personal and business loans, mortgages, and more. It tells the story of your ability to pay your bills on time and responsibly handle your finances.<\/p>\n<p>Getting your first credit card in Canada is an important step in building up your credit history. Luckily, there are some credit cards that are structured to be more accessible, and these can support your first steps toward building a strong financial foundation.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210569,116403,86318\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What To Look For in a Credit Card&#8221; css=&#8221;&#8221; el_id=&#8221;what_to_look_for_in_a_credit_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>When choosing <strong>the best credit card to build credit history<\/strong>, there are a few characteristics to look for:<\/p>\n<ul>\n<li>Low minimum income requirement: This makes the card accessible even if you don&#8217;t currently have much income.<\/li>\n<li>Credit history requirement: There are many cards that are designed specifically for people with zero credit history in Canada, so if this is your situation, you&#8217;ll want to look for these options.<\/li>\n<li>Annual fees: Credit card annual fees range from $0 all the way up to $799+.<\/li>\n<li>Credit score requirements: Many credit cards will check your credit score to see if they want to approve your application. If you&#8217;re just starting to build your credit history in Canada, you&#8217;ll likely want to focus on cards that don&#8217;t have a credit score requirement.<\/li>\n<\/ul>\n<p>Now, with all this in mind, let&#8217;s explore our picks for<strong> the best credit cards to build your credit history<\/strong>.<\/p>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p>Remember that to build a strong credit score and credit history, it&#8217;s best to pay your credit card(s) off in full each month.<\/p>\n<p>[\/vc_message][vc_single_image image=&#8221;249475&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Best Credit Cards to Build Credit History&#8221; css=&#8221;&#8221; el_id=&#8221;best_credit_cards_to_build_credit_history&#8221;][vc_custom_heading text=&#8221;Neo Secured Credit Card&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;neo_secured_credit_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The first credit card on our list that can help you build credit history is the\u00a0<strong><a title=\"Neo Secured Credit Card\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-secured-credit-card\/\" rel=\"noindex\">Neo Secured Credit Card<\/a><\/strong>.<\/p>\n<p>This card has <strong>no annual fee<\/strong>, <strong>no minimum income requirements<\/strong>, and offers credit limits of up to $10,000. It also <strong>earns 1% cash back<\/strong> on gas and groceries, and up to 15% cash back with Neo&#8217;s partnered merchants.<\/p>\n<p>As a secured credit card, you will need to provide a security deposit to get started, and this deposit determines what credit limit you&#8217;re able to access.<\/p>\n<p>This card is great for building credit history since its accessible to anyone who lives in Canada, has a Canadian ID, and is the age of majority in their province. This means that it is accessible even if you don&#8217;t currently have foreign worker, international student, or permanent residency status.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"392022\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;American Express Cobalt Card&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;american_express_cobalt_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The next card on our list is one of our absolute favourites: the <a title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\"><strong>American Express Cobalt<sup>&reg;<\/sup> Card<\/strong><\/a>.<\/p>\n<p>This credit card comes with a monthly fee is $12.99, and stands as <strong>one of the most popular credit cards in Canada<\/strong> thanks to its ability to earn up to 5 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards<\/a> points per $1 spent.<\/p>\n<p>These valuable and flexible points are not only redeemable for travel, merchandise, and more, but you can choose to transfer your points to airline and hotel loyalty programs like <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\">Aeroplan<\/a> and <a target=\"_blank\" href=\"http:\/\/milesopedia.com\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a>, giving you the opportunity to maximize the value of your points and enjoy free travel.<\/p>\n<p>What makes the <a title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> a good choice for those looking to build credit history is that American Express cards issued directly by American Express Canada have <strong>no minimum income requirements<\/strong>, and they often have require a lower credit score than Mastercard or Visa.<\/p>\n<p>These factors combined with the relatively low monthly fee makes the <a title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> accessible to many people, and for this reason we&#8217;ve highlighted it on our list.<\/p>\n<p>Alternatively, if you&#8217;re looking for a credit card with no annual or monthly fee, consider the\u00a0<a title=\"American Express<sup>&reg;<\/sup> Green Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/green-card-american-express\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Green Card<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Scotiabank Gold American Express Card&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;scotiabank_gold_american_express_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The\u00a0<strong><a title=\"Scotiabank Gold American Express<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a><\/strong> is another great option to build credit history.<\/p>\n<p>With a <strong>low minimum income requirement of only $15,000<\/strong> and an annual fee of $120, this card is stands out for multiple reasons.<\/p>\n<p>It&#8217;s one of the few credit cards in Canada that <strong>doesn&#8217;t charge a <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-foreign-currency\/\">foreign transaction fee<\/a><\/strong>, which makes it great for when you&#8217;re spending abroad. It also <strong>earns up to 6 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/sceneplus\/\">Scene+<\/a> points per $1 spent<\/strong>. These points can redeemed for free groceries, meals out, entertainment, travel, and more, making the card very good at saving you money.<\/p>\n<p>As a mid-range credit card, you will likely need to have a reasonable credit score already in order to qualify, but if that&#8217;s not available to you the <strong>Scotiabank StartRight program<\/strong> can be another way to access this card.<\/p>\n<p>This program is designed to support newcomers to Canada in the first steps of setting up their financial portfolio, so if you don&#8217;t qualify for the <a title=\"Scotiabank Gold American Express<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> on your own, a program representative can certainly help you find an option that suits your situation.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22640\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;CIBC Aventura Visa Card&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;cibc_aventura_visa_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>If you&#8217;d prefer to build credit history using a credit card that has no annual fee, there&#8217;s <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/no-fee\/\">many excellent no-annual fee credit card choices<\/a>.<\/p>\n<p>The one we&#8217;ll highlight here is the\u00a0<strong><a title=\"CIBC Aventura<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-aventura-visa-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Visa* Card<\/a> <\/strong>since it comes with a $0 annual fee, a low minimum income requirement of $15,000, and earns <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/cibc-aventura\/\">CIBC Aventura<\/a> travel points.<\/p>\n<p>CIBC also has special offers for international students, people who are new to Canada, and others looking to build their credit history, so if the <a title=\"CIBC Aventura<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-aventura-visa-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Visa* Card<\/a> doesn&#8217;t feel quite right, the bank may still have a card that fits your credit priorities.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22690\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Capital One Smarts Rewards&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;capital_one_smarts_rewards&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> is quite a unique option on this list as this is the only card that rewards you for making payments to your card balance rather than for making purchases.<\/p>\n<p>This card<strong> earns 5 points for every $1 you pay towards your credit card balance<\/strong>, incentivizing you to make consistent payments and helping you build good financial habits.<\/p>\n<p>This card also comes with <strong>no annual fee<\/strong> and <strong>no minimum income requirement<\/strong>, making it incredibly accessible. In fact, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> lets you <a href=\"https:\/\/www.capitalone.ca\/quickcheck\/\">check online to see if you&#8217;ll be approved<\/a> prior to applying, so you don&#8217;t have to go through the full application process and credit check for nothing.<\/p>\n<p>Plus, as an added bonus, this card also offers <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-credit-cards\/\">common carrier travel accident insurance<\/a>, baggage delay insurance, and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/theft-damage-car-rental-credit-cards\/\">car rental collision\/damage waiver insurance<\/a> to make travelling a little more affordable.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"470088,116748,192394\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"394481\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Capital One Guaranteed Mastercard&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;capital_one_guaranteed_mastercard&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The next card on our list is another from the Capital One family: the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/capital-one-guaranteed-mastercard\/\">Capital One Guaranteed Mastercard<sup>&reg;<\/sup><\/a>.<\/p>\n<p>This card, like the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> above, has <strong>no annual fee<\/strong> and <strong>no minimum income requirement<\/strong>; however, this card also provides prospective cardholders tremendous peace of mind thanks to the fact that it <strong>offers guaranteed approval<\/strong>.<\/p>\n<p>As long as you meet some basic conditions, you&#8217;re guaranteed a credit card that can help you build your credit history and solidify your financial path forward.<\/p>\n<p>Additionally, if you don&#8217;t qualify for the\u00a0<a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/capital-one-guaranteed-mastercard\/\">Capital One Guaranteed Mastercard<sup>&reg;<\/sup><\/a> for some reason, you&#8217;ll still likely qualify for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/capital-one-guaranteed-secured-mastercard\/\">Capital One Guaranteed Secured Mastercard<sup>&reg;<\/sup><\/a>, which is essentially identical except that it requires a security deposit prior to getting started.<\/p>\n<p>It&#8217;s also worth noting that this card doesn&#8217;t offer anything in terms of loyalty rewards; however, it does give you some travel insurance and purchase protection coverage to help make sure you and your purchases are well looked after.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"470836\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"136400,136404\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Koho Prepaid Mastercard&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;koho_prepaid_mastercard&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The last card on our list is the <a title=\"KOHO Mastercard Prepaid Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/prepaid-mastercard-koho-essential\/\" rel=\"noindex\"><strong>KOHO Mastercard Prepaid Card<\/strong><\/a>, which won the Milesopedia award for best card for newcomers. However, it&#8217;s important to immediately note that the card itself will not help you build your credit history.<\/p>\n<p>This is because the\u00a0<a title=\"KOHO Mastercard Prepaid Card\" href=\"https:\/\/milesopedia.com\/en\/go\/koho-visa-prepaid-card\/\" rel=\"noindex\">KOHO Mastercard Prepaid Card<\/a> is a prepaid credit card, so you actually load money onto the card and can then spend up to this amount. This style of card can be very helpful for budgeting and for having an accessible way to make online purchases and spend in situations where a credit card is needed.<\/p>\n<p>This card comes with a low annual fee of $48, no minimum income requirement, and it earns up to 2% cash back on purchases. Additionally, you can get the <a title=\"KOHO Mastercard Prepaid Card\" href=\"https:\/\/milesopedia.com\/en\/go\/koho-visa-prepaid-card\/\" rel=\"noindex\">KOHO Mastercard Prepaid Card<\/a> even if you don&#8217;t currently have foreign worker or permanent residency status.<\/p>\n<p>Now, although Koho&#8217;s credit card can&#8217;t help you build your credit history, <a href=\"https:\/\/milesopedia.com\/en\/news\/newcomers-koho-account\/\">Koho&#8217;s whole product range is excellent for newcomers<\/a> and those starting out on their credit journey.<\/p>\n<p>In particular, the product that <strong>will<\/strong> help you build your credit history is <strong>Koho&#8217;s 6-month Credit Enhancement Program<\/strong>. This program gives you access to a special no-fee, no-interest line of credit. When you make payments to this account each month, Koho will report this positive credit building activity to the credit bureaus, helping you get financially established faster.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"117031,117023,371882\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Whether you\u2019re brand new to Canada and just starting your credit journey or looking for the best way build up a lower credit score, there\u2019s lots of great cards to choose from.<\/p>\n<p>With so many fantastic credit card rewards options in Canada, as long you make sure you pay off your balance each month and spend within your means, a strong credit history and credit score can literally help take you around the world.<\/p>\n<p>To explore even more options, check out guides to <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/no-fee\/\">the best no-annual fee credit cards in Canada<\/a> and <a href=\"http:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/#best_credit_cards_for_beginners\">the best credit cards for beginners<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"123149,252943,228051\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;FAQs&#8221; css=&#8221;&#8221; el_id=&#8221;faqs&#8221;][vc_toggle title=&#8221;What is a credit history?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>A credit history is a record of how well you&#8217;ve managed your credit over time. The information is based on the credit accounts you have (credit cards, lines of credits, mortgages, etc.), and details things like how much you owe, whether you make payments on time, whether you&#8217;ve ever declared bankruptcy, and more.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Can I get a credit card with no credit history?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes! There are a number of credit cards available even if you don&#8217;t have any Canadian credit history.<\/p>\n<p>You can look at secured or prepaid credit cards like the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/neo-secured-credit-card\/\">Neo Secured Credit Card<\/a> or the\u00a0<a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/prepaid-mastercard-koho-essential\/\">KOHO Mastercard Prepaid Card<\/a>, or you find a credit card using the newcomer to Canada programs offered by banks like CIBC, Scotiabank, RBC, BMO, and TD.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Read our guide on the best credit cards for building your credit history and getting your financial health off to a good start.<\/p>","protected":false},"author":2499,"featured_media":456548,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48137],"tags":[],"mc_loyalty_program":[],"class_list":["post-453543","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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