Build your credit history in Canada.
If you're new to Canada, using your Guaranteed MasterCard responsibly can help you establish your credit history. Building your credit history is important if you want to eventually buy a house or get a loan. Plus, once you're a customer we'll provide you with a one-time credit report1 so that you can monitor your progress.
The Guaranteed MasterCard for Newcomers lets you enjoy all the conveniences of a credit card. With this guaranteed card, shop online, rent a car, or use it to pick up your everyday items - quickly and easily.
How your card gets better over time.
By demonstrating that you're responsible with credit your card will get better over time.
We'll waive your annual fee and send back your security funds (if they're required) after the first year. All you have to do is stay within your credit limit and pay at least your minimum monthly payments on time for your first 10 billing periods.
How to qualify for a Guaranteed MasterCard.
Be at least the age of majority in your province or residence;
Reside in AB, BC, MB, NB, NL, NS, ON, PE, or SK;
Not have an existing Capital One account, not have applied for a Capital One account within the last 65 days or have a Capital One account that is not in good standing within the last 12 months before applying;
Whether it's a Gold or Secured MasterCard with the same rates,
you're guaranteed a credit card – we'll let you know if security funds are required.
Apply safely and securely for your Guaranteed MasterCard now.
Capital One is committed to providing the most secure Internet service through the use of security and encryption technology. When you apply for your card on this secure site, all the information is encrypted or encoded.
In addition, we have a number of checkpoints to ensure your identity stays safe during the application process. If we're unable to confirm your identity during the application process, you'll be able to pick up your card in person at a Canada Post outlet and provide further identification. If Canada Post is unable to provide this service in your region we'll contact you to make further arrangements.
Remember, you’re guaranteed access to credit with your new Guaranteed MasterCard for Newcomers.
With MasterCard PayPassTM
Not available to residents of QC, NT, NU, or YT
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