Guaranteed Credit Cards
Guaranteed Credit Card

Guaranteed Credit Card

Guaranteed access to credit!

Apply for Credit Card 

Not available to residents of QC, NT, NU or YT.

Credit Card Highlights
Fraud Liability
$0
Annual Interest Rate
19.8%
Annual Fee
$59
Annual Interest Rates
Purchase
19.8%
Balance Transfer
19.8%
Cash Advance
19.8%

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    We'll suggest some others if it isn't
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Good Choice For:
  • People who need to build or strengthen their credit
  • Guaranteed Approval
  • Household income greater than $20k
Learn Who This Card is a Good Choice For

Guaranteed credit card approval.

Whether it’s a Gold or a Secured MasterCard, you’re guaranteed a credit card with the same rate – even if you’ve had credit problems in the past. If you’re approved for a Secured credit card, you’ll be required to provide affordable security funds – we’ll let you know if this is needed.

  • Guaranteed credit card approval
  • Access to credit that can help you build or strengthen your credit history
  • $0 fraud liability

1Your Approval For a Credit Card is Guaranteed if:

  • You don't have an existing Capital One credit card account
  • You haven't had a Capital One credit card account that was in bad standing at any time
  • You haven't applied for a Capital One credit card account within the last 45 business days
  • You live in and are the age of majority in AB, BC, MB, NB, NL, NS, ON, PE or SK


If you're approved for a Secured credit card you'll need to provide security funds by cheque or money order (but we'll let you know if this is needed). A Secured credit card receives
Standard MasterCard benefits.

Build or strengthen your credit history.

Using your Guaranteed credit card responsibly can help you build or strengthen your credit history. How? As you use your credit card and make monthly payments, we report your payment history to the credit bureaus every month. A good, consistent payment history helps build and strengthen your credit history. Just make sure you pay at least your minimum monthly balance on time each month.

Credit 101

Credit is convenient and offers benefits that cash doesn't.
Learn more about how credit works 

The best way to protect your credit card is knowing how to prevent fraud.
We'll tell you how


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 need to go into the Canada Post outlet and provide further identification.