Best Credit Cards for Bad Credit in Canada - September 2026

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Scotiabank Value® Visa* Card

Scotia First-Year Annual Fee Rebate

Annual fee: $0 $29No annual fee the first year; No annual fee the first year
Our valuation: $29Milesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: First Year Annual Fee Rebate; $29 annual fee rebated; Ends Jan 3, 2027

Features
Issuer: Scotia
Network
Loyalty Program: —

Fees and terms
Annual Fee: $29/yr
Min. annual income: $12,000+

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CIBC Select Visa* Card

CIBC First-Year Annual Fee Rebate

Annual fee: $0 $29No annual fee the first year; No annual fee the first year
Our valuation: $29Milesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: First Year Annual Fee Rebate; $29 annual fee rebated

Features
Issuer: CIBC
Network
Loyalty Program: —

Fees and terms
Annual Fee: $29/yr
Min. annual income: —

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SimplyCash® Card from American Express

Amex Cash Back

Annual fee: $0
Our valuation: $100Milesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $100 cash back

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on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer: Amex
Network
Loyalty Program: Cash Back