Trusted by More than 2,000,000 Canadians since 2016
The best fair credit credit cards in Canada prove you don't need perfect credit to earn rewards, with the Scotiabank SCENE+ Visa Card leading the pack at zero annual fee, just $12,000 income requirement, and 2x points on movies and groceries despite accepting scores as low as 560. While fair credit (560-659) means higher interest rates around 19.99%, cards like BMO CashBack and TD Cash Back Visa often approve 630+ scores, especially for existing customers, while newcomer programs offer a backdoor to better cards without Canadian credit checks. Smart strategy means starting with what approves you today, paying in full monthly to avoid interest, and building toward good credit within 12-18 months instead of waiting for the perfect card that won't approve you anyway.
