Instant Decision Credit Card Offers

If you ever thought applying for credit cards was a lengthy process, think again. These instant decision cards cut down days of waiting on a pending application to just about a few minutes or seconds. Applicants will receive an instant decision in no time once they submit the application online. In most cases, there's no extra charge for an instant decision as it comes as a feature on the card you're vying for. When deciding on which card to go for, it's important to compare interest rates, annual charges, credit limit, and other fees. The card promising lowest rates should carry the day. It's always important to apply for a card within ones' credit range in order to enjoy special discounts and card benefits whenever applicable. The following cards are instant decision cards reserved for Canadian residents. Be sure to go over applicable terms and conditions (card agreement) of the card you're applying for.




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Sort Cards by: Name | Rating | Intro APR | APR | Annual Fee
 

 
Smart Cash MasterCard Credit Card
  • 1.99% introductory annual interest rate on balance transfers* and cheque cash advances for 10 months
  • Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months
  • Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafter
  • Get up to 1% cash back for all other qualifying net retail purchases
  • Feel secure with around-the-clock fraud protection
  • Enjoy free online access to your credit card account
  • No annual fee

1.99%*Intro APR

10 months on BT*Intro Period

19.99%*APR

$0.00*Annual Fee

5.0


Aspire World MasterCard
  • Earn more No Hassle reward miles - on everything you buy!
  • Earn 2 reward mile for every $1 spent - on everything you buy
  • 35,000 bonus reward miles with your first purchase
  • 10,000 anniversary bonus reward miles every year
  • Redeem for travel, cash, merchandise or gift cards
  • World MasterCard benefits including Travel Emergency Medical Insurance and Trip Cancellation Insurance

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$120.00*Annual Fee

4.5


Aspire Gold MasterCard
  • Earn reward miles - with no annual fee!
  • No Annual Fee
  • Earn 1 reward mile for every $1 spent on everything you buy
  • 5,000 bonus reward miles with your first purchase
  • 1,000 anniversary bonus reward miles every year
  • Redeem for travel, cash, merchandise or gift cards

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$0.00*Annual Fee

4.0


Delta SkyMiles® World MasterCard® Capital One®

Delta SkyMiles World MasterCard Capital One
  • Finally a credit card for Canadians - Watch your Delta miles add up – faster!
  • Get 25,000 bonus Delta miles with first purchase
  • Earn 2 Delta miles for every $1 you spend on Delta purchases
  • Earn 1 Delta mile per $1 for all other net purchases
  • Earn 2,500 bonus Delta miles on your account anniversary, every year.
  • Get 2,500 bonus Delta miles by adding an authorized user
  • PLUS – valuable World MasterCard Benefits

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$49.00*Annual Fee

4.5


Delta SkyMiles® Gold MasterCard® Capital One®

Delta SkyMiles Gold MasterCard Capital One
  • Earn on everything you buy, plus:
  • 2,500 bonus Delta miles with first purchase
  • 1 Delta miles for every $1 you spend on Delta purchases
  • 1 Delta mile per $2 for all other net purchases
  • PLUS – Gold MasterCard Benefits

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$0.00*Annual Fee

4.5


Gold MasterCard Credit Card - Fixed 9.99% AIR
  • No Annual Fee
  • Up to $100,000 credit limit
  • 9.99% Annual Interest Rate on Purchases and Cash Advances
  • Around-the-clock fraud protection
  • Online access to your credit card account
  • Unparalleled 24-hour Customer service
  • Immediate cash access at 430,000 ATMs internationally

N/A*Intro APR

N/A*Intro Period

9.99%*APR

$0.00*Annual Fee

4.5


Shoppers MasterCard Credit Card
  • 25 points for every $1 in purchases at Shoppers Drug Mart using your Shoppers MasterCard when you show your Shoppers Optimum Card
  • 1.99% Introductory Annual Interest Rate† on Cheque Cash Advances and Balance Transfers* for 6 months
  • Feel secure with around-the-clock fraud protection
  • Enjoy free online access to your credit card account
  • 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • Access unparalleled 24-hour customer service
  • Few design colors to select from

1.99%*Intro APR

6 months*Intro Period

19.99%*APR

$0.00*Annual Fee

3.5


Platinum Plus MasterCard Credit Card - 1.99 for 10
  • 1.99% introductory Annual Interest Rate† for 10 months on Cheque Cash Advances and Balance Transfers*
  • No Annual Fee
  • 17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • Around-the-clock fraud protection
  • Online access to your credit card account
  • Unparalleled 24-hour Customer service
  • Immediate cash access at 430,000 ATMs internationally

1.99%*Intro APR

10 months*Intro Period

17.99%*APR

$0.00*Annual Fee

3.5


Pharmaprix MasterCard Credit Card
  • 1.99% Introductory Annual Interest Rate† on Cheque Cash Advances and Balance Transfers* for 6 months
  • Feel secure with around-the-clock fraud protection
  • Enjoy free online access to your credit card account
  • 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • Access unparalleled 24-hour customer service
  • Few design colors to select from

1.99%*Intro APR

6 months*Intro Period

19.99%*APR

$0.00*Annual Fee

3.5


WorldPoints MasterCard Credit Card
  • 1,000 Bonus World Points after your first purchase††
  • No Annual Fee
  • 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • 1 World Point for every $1 in net retail purchases‡
  • 1,000 Bonus WorldPoints each year on your account anniversary date

N/A*Intro APR

N/A*Intro Period

19.99%*APR

$0.00*Annual Fee

3.5


Cash Back Plus Platinum MasterCard
  • Earn cash back quickly!
  • Earn up to 2% cash back on net purchases
  • No limit to the amount of cash back you can earn
  • Redeem anytime your cash rewards balance is $15 or more
  • Choose how you'd like your cash - cheque or statement credit

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$99.00*Annual Fee

4.5


American Express AIR MILES Platinum Credit Card
  • The fastest way to earn reward miles with a card
  • $50 Annual fee
  • 1 reward mile for every $10 on card purchases at Air Miles Sponsors
  • 1 reward mile for every $15 on card purchases everywhere else
  • 350 Bonus AIR MILES reward miles the first card use
  • Free supplementary Cards

N/A*Intro APR

N/A*Intro Period

19.99%*APR

$50.00*Annual Fee

3.5


 


We strongly advise applicants to go through the terms and conditions of a product or service before applying online. We do not guarantee the accuracy of information posted on the site and are liable to misinformation caused thereof. Applicants are restricted per requirements set by a card issuer for its product.

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