Canadian Finance - Capital One Credit Cards Canada

Capital One Guaranteed MasterCard®

Whether it’s a Gold or a Secured MasterCard, you’re guaranteed a credit card with the same rate – even if you’ve had credit problems in the past. If you’re approved for a Secured credit card, you’ll be required to provide affordable security funds – we’ll let you know if this is needed.

May help you strengthen your credit history
24/7 customer service online or by phone
$0 fraud liability for unauthorized use
Annual Fee - $59

Build or strengthen your credit history

Using your Guaranteed credit card responsibly can help you build or strengthen your credit history. How? As you use your credit card and make monthly payments, we report your payment history to the credit bureaus every month. A good, consistent payment history helps build and strengthen your credit history. Just make sure you pay at least your minimum monthly balance on time each month.

Your Approval is Guaranteed if:

You don't have an existing Capital One account
You haven't had a Capital One account that was in bad standing at any time
You haven't applied for a Capital One account within the last 65 business days
You live in and are age of majority in AB, BC, MB, NB, NL, NS, ON, PE or SK

Apply Now for the Capital One Guaranteed MasterCard®

*Not available to residents of QC, NT, NU, or YT

Capital One Guaranteed Secured MasterCard®

You’re guaranteed approval for a Secured MasterCard – even if you’ve had credit problems in the past. The only difference between this card and a regular credit card is that you need to provide security funds as collateral before you can receive your card and access your credit.

Guaranteed Approval
May help you establish or re-establish your credit history
0 fraud liability for unauthorized use
Annual Fee - $59

Your Approval is Guaranteed:

You don't have an existing Capital One account
You haven't had a Capital One account that was in bad standing at any time within the last 12 months before applying
You haven't applied for a Capital One account within the last 65 business days
You live in and are the age of majority in AB, BC, MB, NB, NL, NS, ON, PE or SK

Card Details:

Purchase Rate: 19.8%
Cash Advance: 19.8%
Balance Transfer: 19.8%
Annual Fees: $59

Apply Now for the Capital One Guaranteed Secured MasterCard®

*Not available to residents of QC, NT, NU, or YT

Capital One Cards for Good Credit

Capital One Cards for Credit that Needs Improvement

Featured Capital One Credit Cards

Company	Card Logo	Card Name	Purchase Rate	Balance Transfer Rate	Typical APR (variable)	Annual Fee	Card Benefits	Apply
		Capital One Guaranteed MasterCard	19.8% on purchases and balance transfers	19.8% on purchases and balance transfers	19.8%	$69	Whether it’s a Gold or a Secured MasterCard, you’re guaranteed a credit card with the same rate – even if you’ve had credit problems in the past. Get More Details
		Capital One SmartLine^tm Platinum MasterCard® with a 5.99% Interest Rate	5.99%	5.99%	5.99%	No Annual Fee	The SmartLine Platinum card is our best credit card with a low annual interest rate of 5.99% on purchases and balance transfers. It could save you money. It’s like a line of credit but much more convenient. Get More Details
		Delta SkyMiles® Gold MasterCard® Capital One® Card	19.8% on purchases and balance transfers	19.8% on purchases and balance transfers	19.8%	No Annual Fee	Earn Delta miles on everything you buy - Delta miles are applied to your total net purchases. That means any purchase that’s charged to your Delta SkyMiles credit card minus credits or returns. Cash advances, balance transfers and access cheque transactions aren’t eligible for Delta miles. Get More Details
		Capital One Guaranteed Secured MasterCard	19.8% on purchases and balance transfers	19.8% on purchases and balance transfers	19.8%	$59	Getting access to credit shouldn't be difficult - with a Capital One Secured card it's easy! Establish or rebuild a good credit rating today with guaranteed approval. Plus enjoy these MasterCard benefits: $0 Fraud Liability, 24/7 customer service, Master RoadAssist™, and MasterCard Global Service™ . Get More Details

Capital One is unlike any financial institution you’ve ever dealt with, and that’s a good thing! They’re proud of what they’ve built – something much more important than bricks and mortar. In Canada, the Capital One MasterCard products offer some of the best rates and rewards available with 24/7 customer service to back them up

Capital One Low Rate Guaranteed Secured MasterCard®

With a Low Rate Secured MasterCard you get a great low interest rate that could save you money in interest payments. The only difference between Secured credit cards and regular credit cards is that you need to provide security funds as collateral before you can receive your card and access your credit.

Card Features:

Guaranteed Approval
Low rate on purchases and balance transfers
May help you establish or re-establish your credit history
Annual Fee - $69

Your Approval is Guaranteed if:

You don't have an existing Capital One account
You haven't had a Capital One account that was in bad standing at any time within the last 12 months before applying
You haven't applied for a Capital One account within the last 65 business days
You live in and are age of majority in AB, BC, MB, NB, NL, NS, ON, PE or SK

Apply Now for the Capital One® Low Rate Guaranteed Secured MasterCard®

*Not available to residents of QC, NT, NU, or YT

Capital One Gold MasterCard®: 11.9% Guaranteed for 3 years

Annual interest rate for cash advances is 19.8%, Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time), After that your rate will stay low and become a variable rate of Prime +9.9% on purchases and balance transfers, Save money when you transfer high-interest debt with our no-fee balance transfer service, Subject to credit Approval.

Card Details:

Purchase and Balance Transfer Rate: 11.9%
Cash Advance: 19.8%
Annual Fees: $19

The Capital One Gold MasterCard® requires the following:

You've had open credit such as a credit card, loan or line of credit for more than six years
You've had good credit for the last seven years (this means no defaults on credit as a result of failing to pay debts back to creditors)
For the last nine months, your credit situation has remained the same (this means you haven't opened a new credit card account, loan or line of credit)
You've made at least your required minimum payments on your existing credit on time in the last three months
Your household income is more than $30,000

If you do not meet these requirements, then you might want to look at the Capital One Guaranteed MasterCard®.

Apply Now for the Capital One Gold MasterCard®: 11.9% Guaranteed for 3 years

*Not available to residents of QC, NT, NU, or YT

Capital One SmartLine^tm Platinum MasterCard® with a 5.99% Interest Rate

The SmartLine^tm Platinum card is our best credit card with a low annual interest rate of 5.99% on purchases and balance transfers. It could save you money.

Card Details:

No Annual Fee
Annual interest rate for cash advances is 19.8%
Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
After that your rate will stay low and become a variable rate of Prime +3.75% on purchases and balance transfers
Save money when you transfer high-interest debt with our no-fee balance transfer service
Subject to credit Approval

Capital One SmartLine^tm Platinum MasterCard® requires excellent credit to qualify

You've had open credit such as a credit card, loan or line of credit for more than ten years
Your credit has been excellent for the last seven years (this means no bankruptcies and no defaults on credit as a result of failing to pay debts back to creditors)
For the last nine months, your credit situation has remained the same (this means you haven't opened a new credit card account, loan or line of credit)
You've made at least your required minimum payments on your existing credit on time in the past six months
Your household income is more than $40,000 a year

Apply Now for the Capital One® SmartLine^tm Platinum MasterCard®

*Not available to residents of QC, NT, NU, or YT

Capital One Aspire^tm World MasterCard®

Earn more reward miles - on everything you buy!
Earn 2 reward mile for every $1 spent - on everything you buy
35,000 bonus reward miles with your first purchase
10,000 anniversary bonus reward miles every year
Redeem for travel, cash, merchandise or gift cards
World MasterCard benefits including Travel Emergency Medical Insurance and Trip Cancellation Insurance
Annual fee - $120
Annual Interest Rates
- Purchase 19.8%
- Balance Transfer 19.8%
- Cash Advance 19.8%

The following is the approval criteria for the Capital One Aspire^tm World MasterCard®,

You've had open credit such as a credit card, loan or line of credit for more than three years
Your credit has been excellent for the last seven years (this means no bankruptcies and no defaults on credit as a result of failing to pay debts back to creditors)
You've made at least your required minimum payments on your existing credit on time in the past three months

Apply Now for the Capital One Aspire^tm World MasterCard®

*Not available to residents of QC, NT, NU, or YT, this card requires excellent credit

Capital One Cash Back Plus Platinum MasterCard®

You’ll start to earn cash back rewards right away on every purchase made using your Cash Back Plus Platinum MasterCard. The more you spend on your card the more you could earn. Add an authorized user or request additional cards for no fee and you can watch your cash back credit card rewards add up even quicker.

Up to 2% cash back on net purchases
No limit to the amount of cash you can earn
Add an authorized user for $0
Annual Fee - $99

The following is the approval criteria for the Capital One Cash Back Plus Platinum MasterCard®

You've had open credit such as a credit card, loan or line of credit for more than three years
Your credit has been excellent for the last seven years (this means no bankruptcies and no defaults on credit as a result of failing to pay debts back to creditors)
You've made at least your required minimum payments on your existing credit on time in the past three months

If you do not meet these qualifications you might want to check out the Capital One Platinum MasterCard®: 9.99%

Apply Now for the Capital One Cash Back Plus Platinum MasterCard®^m

*Not available to residents of QC, NT, NU, or YT, this card requires good to excellent credit