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.




TransUnion CA

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MBNA Rewards Mastercard credit card
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.5


MBNA Rewards World Elite Mastercard credit card
  • Get all the features of the MBNA Rewards card with more earning potential - Earn 2 MBNA Rewards point for every $1 in eligible purchases‡
  • Get 10,000 bonus points after your first eligible purchase††
  • No limit to the points that can be earned in a year, points don't expire
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • Enjoy price protection** and concierge services**
  • $89 annual fee
  • Take advantage of a credit card that rewards you for who you are. Apply below for the MBNA Rewards World Elite® MasterCard® credit card

N/A*Intro APR

N/A*Intro Period

19.99% *APR

N/A*Annual Fee

4.0


Platinum Plus Mastercard credit card - 0 for 12
  • Simplify your finances while enjoying platinum services.
  • You could get a 1.99% promotional annual interest rate ("AIR")† for 12 months on balance transfers✪ [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMS worldwide
  • No annual fee

1.99%*Intro APR

12 months*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Tangerine Money Back Credit Card
  • No annual fee
  • No limit on the amount of Money-Back Rewards earned
  • 2% Rewards in Client's chosen categories
  • Clients can change their 2% Money-Back Categories to suit their spending
  • Clients who have their rewards deposited to a Tangerine savings Account can get a 3rd 2% Money-Back Category
  • A standard annual interest rate of 19.95%

N/A*Intro APR

n/a*Intro Period

19.95% *APR

$0*Annual Fee

4.5


No-Fee Scotia Momentum VISA Credit Card
  • 7.99% introductory interest rate on purchases for the first 6 months*
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases

7.99%*Intro APR

6 months*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Scotia Momentum VISA Credit Card
  • 2.99% introductory interest rate on balance transfers for the first 6 months*
  • Cash back with low annual fee
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 1% cash back on all other eligible everyday purchases

2.99%*Intro APR

6 months*Intro Period

19.99% *APR

$39*Annual Fee

4.0


Scotia Momentum Mastercard Credit Card
  • 7.99% introductory interest rate on purchases for the first 6 months
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases

7.99%*Intro APR

6 months*Intro Period

19.99% *APR

$0*Annual Fee

4.0


No-Fee Scotiabank Value VISA Credit Card
  • 3.99% introductory interest rate on balance transfers for the first 6 months*
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments

3.99%*Intro APR

6 months on BT*Intro Period

16.99% *APR

$0*Annual Fee

4.5


ScotiaGold Passport VISA Credit Card
  • Earn 5,000 bonus points upon your first purchase*
  • Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
  • 5% cash back on travel purchased through Scotia Rewards Flexible Point Redemption
  • Comprehensive travel protection and insurance
  • Book online or by phone
  • Concierge Service
  • Merchandise, gift card and other rewards available
  • Minimum Credit Limit is $5,000

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$110*Annual Fee

5.0


Scotiabank American Express Gold Credit Card
  • Earn 30,000 Scotia Rewards bonus points, worth $300 in travel, with $750 in everyday purchases within the first three months. Plus, $99 first year annual fee waiver.
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Complimentary Concierge Services
  • Low price airfare alerts
  • Access to Priority Pass Lounges worldwide
  • Receive up to 25% off qualifying car rentals
  • Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
  • Redeem points for merchandise and other rewards

N/A*Intro APR

N/A*Intro Period

19.99% (V)*APR

See terms*Annual Fee

4.5


Scotiabank American Express Credit Card
  • Earn 5,000 bonus points with your first $500 in everyday purchases in first 3 months*
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Receive up to 25% off qualifying car rentals
  • Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days
  • Redeem points for merchandise and other rewards

N/A*Intro APR

N/A*Intro Period

19.99% (V)*APR

$0*Annual Fee

4.0


Scotiabank Platinum American Express Credit Card
  • 30,000 bonus points upon first purchase
  • Earn 4 Scotia Rewards points on every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Book and redeem for travel anywhere, anytime, with no travel restrictions
  • Enjoy luxury travel privileges for your journey
  • $10,000 Minimum Credit Limit
  • Premium Concierge Services
  • Special Offers with Scotia Rewards Travel Advantage
  • Join Fairmont President's Club
  • Hertz #1 Club Gold Member

N/A*Intro APR

N/A*Intro Period

19.99% (V)*APR

$399*Annual Fee

4.5


Zoomer MBNA Rewards Mastercard credit card
  • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full months
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
  • 1,000 bonus points after your first eligible purchase††
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

1.99%*Intro APR

10 months on BT*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Edward Jones MBNA Rewards Mastercard credit card
  • You could get a 1.99% promotional annual interest rate ("AIR")† for 10 months on balance transfers✪ [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
  • 1,000 bonus points after your first eligible purchase††
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

1.99%*Intro APR

10 months on BT*Intro Period

14.99% *APR

$0*Annual Fee

4.5


Scotiabank Value VISA Credit Card
  • 0.99% introductory interest rate on balance transfers for the first 6 months*
  • Save hundreds of dollars in interest a year
  • Low 11.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments

0.99%*Intro APR

6 months on BT*Intro Period

11.99% *APR

$29*Annual Fee

4.5


Scotiabank More Rewards VISA Credit Card
  • No annual fee card
  • 15,000 bonus points (terms apply)
  • Earn 6 More Rewards points for every $1 spent on purchases at participating More Rewards locations
  • Earn 4 points for every $1 on other purchases everywhere else
  • Get 1 additional point for every dollar you spend when you also use your More Rewards loyalty card at partner locations
  • There's no limit to the number of points you can earn
  • Flexible redemption options and reward choices
  • Purchase security and extended warranty protection
  • Price Protection Service

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Canadian Western Bank Platinum Plus Mastercard credit card
  • Enjoy a standard annual interest rate of 9.99% on purchases and balance transfers✪
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMs worldwide
  • No annual fee

N/A*Intro APR

N/A*Intro Period

9.99% *APR

$0*Annual Fee

4.5


Canadian Western Bank MBNA Rewards Mastercard credit card
  • You could get a 1.99% promotional annual interest rate ("AIR")† for 10 months on balance transfers✪ [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
  • 1,000 bonus points after your first eligible purchase††
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

1.99%*Intro APR

10 months on BT*Intro Period

14.99% *APR

$0*Annual Fee

4.5


Scotiabank GM VISA Credit Card
  • Get 5,000 bonus points with first purchase
  • No annual fee
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire
  • No earning or redemption caps
  • Enjoy the same great rewards in 5 unique designs
  • Purchase Security and Extended Warranty

N/A*Intro APR

N/A*Intro Period

17.99% *APR

$0*Annual Fee

4.5


Toronto Maple Leafs MBNA Rewards Mastercard Credit Card
  • You earn points and show support for your favourite team
  • Get a 1.99% promotional annual interest rate ("AIR")† for 10 months on balance transfers✪ [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
  • 1,000 bonus points after your first eligible purchase††
  • Choose the rewards you want, whether it's travel, cash back, brand name merchandise and gift cards or charitable donations
  • You can also redeem points for exclusive Leafs experiences, memorabilia and merchandise
  • No annual fee

1.99%*Intro APR

10 months*Intro Period

19.99% *APR

$0*Annual Fee

4.5


More: | 1 | 2 | 3 | 4 | 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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