How do you get a credit card as a newcomer in Canada?

You can apply for a credit card online or book an appointment with an advisor for help in person.

Through the Scotiabank _StartRight_® Program you don’t need to have a credit history in Canada to apply. And if approved, Scotiabank has partnered with Nova Credit to transfer your credit history from select countries in case you want to apply for a higher credit limit. Check if your home country is eligible.

Last updated February 26, 2026