In Canada, the stringency of credit card approval typically depends on the applicant's credit history, income, and the specific type of credit card applied for. If you're looking for credit cards with less stringent approval requirements, consider the following options:

Low-Income Requirement or Student Credit Cards

Student Credit Cards: Designed for university and graduate students, these cards usually have lower credit limits and income requirements. They are an excellent way for young people to start building their credit history.

Example: The BMO Student CashBack Mastercard offers easy approval for students with limited or no credit history.

Secured Credit Cards

Secured Credit Cards: For individuals with poor credit or no credit history, secured credit cards require a deposit as collateral. This deposit acts as a credit limit and helps the card issuer mitigate risk.

Example: The Home Trust Secured Visa card requires a deposit, making approval more accessible for those with less-than-perfect credit.

Prepaid Credit Cards

Prepaid Credit Cards: These cards require you to preload funds before use, similar to a debit card. Since you are using your own money, the approval process is typically more lenient.

Example: The KOHO Prepaid Visa offers the benefits of a credit card without a rigorous credit check.

No Annual Fee Credit Cards

No Annual Fee Credit Cards: Some credit cards waive the annual fee for the first year or under specific conditions. These cards often have more relaxed approval criteria.

Example: The Tangerine Money-Back Credit Card has no annual fee and is relatively easier to qualify for compared to premium cards.

Retail or Gas Credit Cards

Retail or Gas Credit Cards: Certain store or fuel company credit cards may have less stringent credit history requirements but might have usage restrictions.

Example: The PC Financial Mastercard is easier to get approved for and can be used at numerous locations where PC products are sold.

Key Considerations:

Credit Limit: Credit cards with less stringent approval may offer lower credit limits initially.

Interest Rates and Fees: Be mindful of the interest rates and other fees associated with the credit card, such as late payment fees and foreign transaction fees.

Additional Tips:

Check Your Credit Score: Before applying, obtain your credit report to understand your credit standing.

Build Your Credit: Use your credit card responsibly by making timely payments to improve your credit score over time.

Compare Offers: Use comparison websites like or to compare various credit card options.

By considering these factors and choosing the right type of credit card, you can find an option that meets your financial needs and approval likelihood.