Application denied: 6 reasons for credit rejection

Rejection Though banks will tell you why you aren't approved for credit, their explanations can be vague. Here are some common reasons for rejection, and how to work toward an approval next time ... See Rejection
 
     
 

Applying for a Credit Card

It is quick, easy and secure to apply for a credit card online. Search, compare and apply for the card that's right for you by filling out a credit application form online. Receive a credit decision right away or within a few days of applying for a card.
 
We continuously monitor the market to allow you to easily compare key factors such as interest rates, annual fees and other features. Compare offers in various categories like Balance Transfer, Cash Back, Low Interest, Instant Approval, Airline credit cards, U.S. Dollar credit cards and more.

 
     

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BEST CREDIT CARD OFFERS

 
Capital One® Aspire Travel™ Platinum MasterCard® Apply Here
APR Balance Transfer Annual Fee
Prime +16.8% Prime +16.8% $0*

Capital One® Aspire Travel™ Platinum MasterCard®

  • Earn reward miles — with no annual fee!
  • Earn 1 reward mile for every $1 spent - on all purchases
  • Get 5,000 bonus reward miles with your first purchase
  • Get 25% extra reward miles every year
  • Annual interest rate of Prime +16.8%
  Platinum Plus® MasterCard® credit card - 0% for 12 Apply Here
APR Balance Transfer Annual Fee
See Terms See Terms None

Platinum Plus® MasterCard® credit card - 0% for 12

  • Simply your finances while enjoying platinum services.
  • 0% promotional annual interest rate† (AIR) on balance transfers* for the first 12 full months
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMS worldwide
  • No annual fee
  Capital One® Aspire Cash™ Platinum MasterCard® Apply Here
APR Balance Transfer Annual Fee
Prime +16.8% Prime +16.8% $0*

Capital One® Aspire Cash™ Platinum MasterCard®

  • Earn cash rewards and pay no annual fee!
  • Earn 1% cash rewards on all net purchases
  • No limit to the amount of cash you can earn
  • Annual interest rate of Prime +16.8%
   
TD® Aeroplan® Visa Infinite Card Apply Here
APR Balance Transfer Annual Fee
19.99%* N/A* $120 annual fee is waived for the first year

TD® Aeroplan® Visa Infinite Card

  • Welcome Bonus of 25,000 Aeroplan miles with your first purchase
  • Earn miles twice* when you pay with your TD Aeroplan Credit Card and present your Aeroplan Membership Card at 150+ Aeroplan partner brands and over 100 Aeroplan eStores.
  • Enjoy an extensive suite of travel insurances* to help make your next getaway, worry-free.
  • Access to Distinction™, Aeroplan's recognition program for exclusive flight rewards, bonus mile offers and privileges.
  • You could use up to 35% fewer miles for Market Fare Flight RewardsTM as an Aeroplan Distinction member.
  • You could use up to 35% fewer miles for Market Fare Flight RewardsTM as an Aeroplan Distinction member.
  • Enjoy complimentary Visa Infinite Concierge service* 24/7.
  Scotiabank Value® VISA Card Apply Here
APR Balance Transfer Annual Fee
11.99%* 0.99% for 6 months* $29*

Scotiabank Value® VISA Card

  • Low 11.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount
  BMO®  U.S. Dollar MasterCard®* Apply Here
APR Balance Transfer Annual Fee
19.90%* 19.90%* $35 USD/yr

BMO® U.S. Dollar MasterCard®*

  • Pay for U.S. Dollars in U.S. Funds
  • Free extended warranty and purchase protection
  • Low $35 USD annual fee, 19.9% interest rate
  • Fee Rebate offer: Spend just $1,000 USD in one year on your card, and the annual fee for the following year is on us
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SimplyCash™ Card from American Express® Apply Here
APR Balance Transfer Annual Fee
19.75% on purchases and 21.99% on funds advances* N/A* No annual fee

SimplyCash™ Card from American Express®

  • Earn 5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership
  • Earn 1.25% cash back on all other purchases and when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • No annual fee for Supplementary Cards
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
  American Express® Business Gold Rewards Card Apply Here
APR Balance Transfer Annual Fee
30%* N/A* Annual fee of $250* (which may be a tax deductable expense)

American Express® Business Gold Rewards Card

  • Earn 30,000 Welcome Points (enough for a round-trip flight to almost anywhere in North America) if you reach $5,000 in purchases within the first 3 months of Cardmembership.
  • Earn 1 Membership Rewards point for every dollar in eligible purchases charged to the Card
  • Earn 1 extra point for every dollar in eligible purchases made with merchants you pick from a select group of American Express merchants in Canada (max of 250,000 per calendar year).
  • Redeem points for statement credits on eligible business purchases charged to your Card at certain American Express merchants in Canada.
  • Enjoy the freedom of being able to transfer your points, at no charge, to many frequent flyer and other loyalty programs including 1:1 to Aeroplan®* and Avios.
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
  American Express® AeroplanPlus®* Gold Card Apply Here
APR Balance Transfer Annual Fee
30%* N/A* $120*

American Express® AeroplanPlus®* Gold Card

  • Earn 25,000 bonus Aeroplan Miles after you spend $500 in your first three months of Card membership.
  • Earn 1 Aeroplan Mile for every $1 in Card purchases up to $10,000
  • Accelerate your earn rate to 1.25 Aeroplan Miles for every additional $1 in Card purchases over $10,000 annually
  • Earn Aeroplan Miles faster with two free Supplementary Cards — a $100 value ($50 for each additional Supplementary Card*)
  • Travel to more than 1,000 destinations in more than 175 countries worldwide with Air Canada and Star Alliance Member Airlines™**
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Offer subject to change without notice.
  • * As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Conditions apply