Guaranteed Credit Cards
Guaranteed Credit Card

Guaranteed Credit Card

Guaranteed access to credit!

Apply for Credit Card
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%
Good Choice For:
  • People who need to build or strengthen their credit
  • Guaranteed approval
  • Household income greater than $20k
This Card's 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
Your Approval For a Credit Card is Guaranteed if:
  1. You don’t have an existing Capital One credit card account
  2. You haven’t had a Capital One credit card account that was in bad standing at any time
  3. You haven’t applied for a Capital One credit card account within the last 45 business days
  4. You have reached the age of majority in the province you reside

If you’re approved for a Secured credit card you’ll need to provide security funds through your bank’s online banking site or 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


Guaranteed Terms: To qualify for a Guaranteed MasterCard you must have reached the age of majority in the province or territory in which you reside; not have an existing Capital One account, not have applied for a Capital One account within the last 45 days, or had a Capital One account that wasn’t in good standing; and provide security funds, if required, through your bank’s online banking site or by cheque or money order.

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.