The best Capital One credit cards in Canada

Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours.

Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology.

And don't forget to check out our Best Credit Cards Canada list when you're done, too.

The Capital One Guaranteed Mastercard^® is aimed at anyone with bad or no credit history. The annual fee is lower at $59 per year, and in exchange cardholders pay the regular Capital One interest rate of 21.9% on new purchases. The Guaranteed Mastercard® is unsecured and those who are approved for it will receive benefits not available to those that receive the Secured version of the card (see below).

The Guaranteed Mastercard’s benefits include common carrier travel accident coverage of up to $250,000 for the cardholder, their accompanying spouse and dependent children; up to $300 total if baggage is delayed for 3 days; emergency travel assistance; and car rental collision or loss damage waiver. Cardholders also enjoy extended warranty, purchase assurance and price protection. *Please note that these benefits are available only to those that are approved for this Guaranteed card, not for the Secured Mastercard below.

The Capital One Aspire Cash Platinum Mastercard is a no annual fee credit card that allows you to enjoy both cash rewards and great insurance benefits. You can earn 1 Reward mile for every $1 spent.

This card comes with the following insurance benefits.

Purchase assurance: Your purchases are insured against theft, loss or damage for up to 120 days after purchase.

Extended warranty: When you charge the full cost of an item to your Capital One credit card, the Extended Warranty coverage automatically extends the original manufacturer's warranty for up to 2 years.

Car rental collision/Loss damage waiver: Receive insurance coverage on a rental car for up to 31 days.

Price protection: If an item purchased with your Capital One credit card drops in price within 60 days of purchase, the Price Protection service refunds you the difference.

Common carrier accident insurance: Get up to $250,000 in insurance coverage in case of accidental loss of life or dismemberment while on a common carrier.

Baggage delay: Get up to $300 in coverage for lost or delayed luggage when you pay for your trip with your Capital one card.

Like the Capital One Guaranteed Mastercard^®, the Capital One Guaranteed Secured Mastercard^® is a good fit for applicants with bad credit. Even those with bankruptcies or defaults within seven years prior to application, or those who don’t have any Canadian credit history at all, are eligible for this Mastercard.

To get the Capital One Guaranteed Secured Mastercard^®, cardholders must provide minimum security funds $75, though they could be higher depending on their financial profile. Using the Capital One Guaranteed Secured Mastercard^® and paying its bills on time can help cardholders rebuild their credit history and become eligible for even more valuable Capital One credit cards.

The Capital One Guaranteed Secured Mastercard^® comes with an annual fee of $59 and a standard interest rate of 21.9%. Cardholders also get access to standard Mastercard benefits such as Mastercard Global Service, 24/7 customer service support and zero liability in the event of identity fraud.

Credit cards can be more than just a way of making purchases; they can be a gateway to seeing more of the world. The Capital One Aspire Travel™ Platinum Mastercard^® earns 1 Reward mile for every $1 spent on the card, and for no annual fee. That means not only are cardholders earning their next vacation every time they use the card; they’re earning it completely free of charge.

The Capital One Aspire Travel™ Platinum Mastercard® is relatively easy to qualify for. Cardholders need to have ‘Good’ credit scores, which generally means at least three years of credit history in Canada, no/few overdue bill payments for the past 12 months, and being below the maximum credit limit on any other credit cards. The card has no minimum income requirements and additional cardholders can be added.

On top of the strong miles earn rate, the card offers account holders an impressive suite of travel benefits. This includes emergency travel assistance, common carrier travel accident coverage up to $250,000, delayed baggage coverage, and car rental collision or damage waiver. There’s also price protection and extended warranty, as well as access to the Mastercard Global Service program.

Yes, Capital One continues to operate in Canada. They offer a range of credit cards designed for various needs, including rewards and rebuilding credit​.

Capital One is not owned by any other bank. It operates independently and is itself a major bank and financial services company, listed on the New York Stock Exchange under the symbol "COF"​.

Capital One offers credit cards for a range of credit scores. Generally, to qualify for their credit cards, a fair credit score starting from 580 is needed. However, they also have options for those with limited or no credit history.

Yes, Capital One is considered a good credit card provider with excellent customer service and an easy-to-manage online experience. They offer a wide range of credit cards catering to various needs from rewards and travel benefits to helping rebuild credit.

The credit limit of a Capital One card in Canada is determined when you apply, based on the information you provide and a review of your credit information from third-party credit reporting agencies. The specific limit is communicated to you in the welcome package that comes with your card. Credit limits can vary significantly based on individual creditworthiness and other factors.

No. At the moment there are no Capital One business credit cards available in Canada. For more business card offers, check out our best business credit cards in Canada page for the leading offers from the Big 5 and beyond.

You can reach Capital One customer service representatives at 1-800-481-3239.

Yes. Capital One offers a quick and easy online pre-qualification portal that lets you check your suitability for a Capital One credit card before you apply. Even better, there is no credit check to see if you may qualify for a card.