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.





Sort Cards by: Name | Rating | Intro APR | APR | Annual Fee
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CIBC Air Canada AC conversion Visa Prepaid Card
  • No foreign transaction fees for supported currencies
  • Carry up to 10 currencies on one card
  • Pay like a local in 45 countries
  • Manage your card from your smartphone or tablet using the AC Conversion app
  • 1 free ATM withdrawal per month outside of Canada, unlimited free ATM withdrawals within Canada

$100.00Opening Min

See terms*App Fee

See terms*Annual Fee

See termsATM Fee

4.0


Tangerine Money Back Card
  • 1.95% Balance Transfer promo for 6 months (with a 1% fee)
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.

1.95%*Intro APR

6 months on BT*Intro Period

19.95% *APR

$0*Annual Fee

4.5


No-Fee Scotia Momentum VISA 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 Mastercard Card
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
  • 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


Scotia Momentum VISA Card
  • 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)◊
  • 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 on BT*Intro Period

19.99% *APR

$39*Annual Fee

4.0


No-Fee Scotiabank Value VISA Card
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)◊
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees, and other information are effective as of the date published. Subject to change.

3.99%*Intro APR

6 months on BT*Intro Period

16.99% *APR

$0*Annual Fee

4.5


ScotiaGold Passport VISA 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
  • Rates, fees and other information are effective as of the date published. Subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$110*Annual Fee

5.0


Scotiabank American Express Gold Card
  • Earn 15,000 bonus Scotia Rewards points with your first $1000 in everyday purchases in the first 3 months◊
  • Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Rates, fees and other information are subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% (V)*APR

See terms*Annual Fee

4.5


Scotiabank Platinum American Express Card
  • Earn 30,000 bonus Scotia Rewards 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


Scotiabank American Express Card
  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of the publication date. Subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% (V)*APR

$0*Annual Fee

4.0


Scotiabank Value VISA Card
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)◊
  • Save hundreds of dollars in interest a year
  • Pay down balances faster
  • Simplify your monthly payments

0.99%*Intro APR

6 months on BT*Intro Period

12.99% *APR

$29*Annual Fee

4.5


Scotiabank More Rewards VISA Card
  • Receive 15,000 bonus More Rewards points when you make your first purchase in 2 months◊
  • 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
  • There's no limit to the number of points you can earn
  • Rates, fees and other information are effective as of the publication date. Subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Scotiabank GM VISA Card
  • Get closer to your new car with up to 5% in GM Earnings
  • 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
  • No earning or redemption caps
  • Rates, fees and other information are effective as the publishing date. Subject to change.

N/A*Intro APR

N/A*Intro Period

17.99% *APR

$0*Annual Fee

4.5


Scotia Momentum VISA Infinite Card
  • First year annual fee waived†
  • 4% on eligible gas station and grocery store purchases
  • 2% on eligible drug store purchases and recurring bill payments
  • 1% cash back on all other eligible everyday purchases
  • Rates, fees, and other information are subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$99 Waived for the first year*Annual Fee

4.5


SCENE VISA Card
  • Earn 2,000 bonus points with your first $500 in everyday purchases in first 3 months†
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of date published. Subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.0


Scotiabank GM VISA Infinite Card
  • First year annual fee waived◊
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of the publication date. Subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% *APR

See terms*Annual Fee

4.5


L'earn VISA Credit Card
  • Get up to a 1% Moneyback reward
  • $0 annual fee
  • Spend wisely, earn valuable rewards
  • Build a good credit rating
  • Convenient with Visa payWave simply wave your card and go!
  • Eligible for My Mobile Wallet
  • 20% discount rates at Avis Car Rental

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.0


Affirm MasterCard Credit Card
  • True credit - no security deposit required Credit limit up to $3,000
  • Use it anywhere MasterCard® cards are accepted
  • Fixed interest rate - 29.99% for homeowners and 34.99% for non-homeowners
  • Reports to credit bureaus every month

N/A*Intro APR

N/A*Intro Period

29.99% *APR

See terms*Annual Fee

4.0


No-Fee ScotiaGold VISA Credit Card
  • Essential travel benefits with no annual fee
  • $0 annual fee
  • Commission-free travellers cheques
  • ConvenientWith Visa payWave simply wave your card and go!
  • Eligible for My Mobile Wallet
  • 20% Discount Rates at Avis Car Rental
  • Rental Car Collision Insurance

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

3.5


Scotiabank U.S. Dollar VISA Credit Card
  • Worry-free U.S. dollar purchases with no currency conversion fees
  • Free supplementary card
  • Purchase Security
  • Extended Warranty Protection

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$35*Annual Fee

4.0


More: | 1 | 2 |


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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