Instant Approval Credit Cards in Canada 2025: Apply & Get Approved in 5 Minutes!

Do you need a credit card urgently? Or do you have a low credit score and get rejected by traditional banks? Don’t worry! We have compiled a list of the top instant approval credit cards in Canada where you can get a decision within minutes. This guide with high COPS keywords will show you how to avail fast approval low credit score friendly cards and pre-approved offers.

1. Nav Financial Mastercard

Best for: Students, new immigrants or those with low credit scores

Annual Fee: $0 (Zero Fees!)

Approval Time: Less than 60 seconds

Features:

• Credit Limit: $500 to $1,000 (depends on income and credit history)
• Rewards: 5% cashback on partner brands (Skipdesh, Ciphora, etc.)
• Credit Building: Updates report bureaus (Equifax) monthly

Eligibility: Canadian residents 18+ with a minimum income of $20K/year

Pros:

• No credit check for existing Nav Savings Account holders
• Manage real-time spending alerts from the app

Cons: Cashback is only 0.5% except at partner stores

2. Canadian Tire Triangle Mastercard

Best for: Canadian Tire regular shoppers and fuel savings lovers

Annual Fee: $0

Approval Time: Online application and decision within 2–3 minutes

Features:

• Canadian Tire Money: 4% per $1 spent (on in-store purchases)
• Fuel Savings: 5¢/liter discount on gas at Canadian Tire Gas Stations
• No Interest: 24 months on big Canadian Tire purchases

Eligibility: Fair credit score required (600)

Pros:

• Easy approval for average credit history
• Improve credit score with bill payments

Cons: Limited rewards outside Canadian Tire stores

Also Read: Best Travel Credit Cards in Canada 2025: High Rewards, Lounge Access, & Free Trips

3. BMO Eclipse Visa Infinite

Best for: High-income professionals who make last-minute travel plans

Annual Fee: $120 (First year free with $70K income)

Approval Time: Online application with “Instant Decision” option

Features:

• 5x Rewards: Travel, dining & entertainment
• Travel Insurance: Flight delays, medical emergencies
• Priority Pass: 4 free lounge accesses per year

Eligibility: Excellent credit score (720) and $70K income

Pros:

• Luxury benefits without waiting weeks for approval
• Points never expire

Cons: High annual fee for average users.

4. Capital One Guaranteed Mastercard

Best for: Those looking to rebuild credit or go through bankruptcy recovery

Annual Fee: $59 (for low credit limit and secured cards)

Approval Time: Pre-approval within 5–10 minutes

Features:

• Guaranteed approval: Credit limit against $75–$300 deposit
• Credit Rebuild: Monthly reports to bureaus (Equifax/TransUnion)
• No Income Proof: Not required

Eligibility: Open to those with bankruptcy or poor credit score

Pros:

• Easiest way to improve credit history
• Deposit is refundable when you upgrade the card

Cons: Low credit limit and high interest (24.99%)

Also Read: How to get a $5,000 Personal Loan In the USA?

5. Home Trust Preferred Visa

Best for: Frequent international travelers and students

Annual Fee: $0

Approval Time: Same-day decision on online application

Features:

• Zero Foreign Transaction Fee: Save 2.5% on international trips
• 1% Cashback on all purchases
• No Income Requirement: Part-time workers/students eligible

Eligibility: Minimum fair credit score (580)

Pros:

• Best $0 fee card for forex spenders
• Easy approval for freelancers/students

Cons: Cashback is paid out yearly only

Comparison Table: Fast Approval Cards

Card Name	Annual Fee	Credit Score Needed	Key Benefit
Neo Mastercard	$0	Any (Incl. Low)	5% Cashback at Partners
Canadian Tire MC	$0	600+	Fuel Discounts + CT Money
BMO Eclipse Visa	$120	720+	Premium Travel Rewards
Capital One Guaranteed	$59	Any (Secured)	Credit Rebuilding
Home Trust Visa	$0	580+	Zero Foreign Fees

FAQ’s about instant approval Credit cards in Canada 2025