Best Credit Cards for Bad Credit in Canada - September 2026

Bad Credit

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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Scotiabank Value® Visa* Card

Scotia First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $29
Our valuationMilesopedia 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.: $29
Welcome offer$29 annual fee rebated: First Year Annual Fee Rebate; 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 feeNo annual fee the first year: $0 $29
Our valuationMilesopedia 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.: $29
Welcome offer$29 annual fee rebated: Two-Year Annual Fee Rebate

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 valuationMilesopedia 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.: $100
Welcome offerAfter $2,000 in 3 months: 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