If you have just moved to Canada, you will have no credit rating , which means you will not be able to apply for credit cards online. American Express has a deal where if you have a credit card in another country , than they will use this credit history to help you apply in a new country :D. If you don’t have one of these , there are various banks that offer services to help you build a credit rating :

Immigrant credit card guide
Unsecured limits
No set limit $1,000 $1,000-$5,000 $1,500-$5,000 No set limit
Secured cards
Yes Yes Yes Yes Yes
Rewards carsd
Yes Yes Yes Yes Yes
Joint cards
Yes No No No No
Authorized users
Yes Yes Yes Yes Yes
Special programs Banking packages New to Canada StartRight Newcomer NewStart
    Scotiabank Process


  1. You will need to walk into your local Scotia bank and bring the following
    1. Passport
    2. Driving License ( Local Driving License with your Canadian Address on  )
  2. They will then create a profile for you and set you up a meeting with a banking advisor( can be same day if the availability is there )
  3. Attend the Meeting, For this meeting you will need
    1. Passport
    2. Driving License ( Local Driving License with your Canadian Address on  )
    3. Your Visa
    4. Your employment letter for your company signed stating your Salary
    5. SIN ( Social Insurance Number )
    6. Something else with proof of your Address on it , if you only have one proof of the above
    7. Have an idea of what Credit card you would like to save time : http://www.scotiabank.com/ca/en/0,,7,00.html#/

Bear in mind your maximum credit for Scotia will be $5000 and they do not allow joint Cards on the StartRight Plan

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