Instant Decision Cards

Featured Instant Decision Card: Smart Cash MasterCard® Credit Card
  • Smart Cash MasterCard Credit Card
  • Rated: 5.0 out of 5
  • Intro APR: 1.99% 10 months on BT*
  • Regular APR: 19.99%*
  • Annual Fee: $0.00*

- 1.99% introductory annual interest rate on balance transfers* and cheque cash advances for 10 months
- Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months
- Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafter
- Get up to 1% cash back for all other qualifying net retail purchases
- Feel secure with around-the-clock fraud protection
- Enjoy free online access to your credit card account
- No annual fee

* * *

The Smart Cash MasterCard Credit Card has a low introductory rate and offers a bevy of cash back options. If you live in Canada and want a simple, but competitive card, this might be the one for you. Read more...

An instant decision card provides you a response to your application within a few minutes or seconds in some cases. These cards are just like any other card out there but the instant decision feature makes them catchy especially to those who want their application approved in no time. Prior days spent waiting for a response to your application is erased and you'd receive a copy of your card as soon as it's available. These cards are not compulsorily credit cards but they all are for individuals or businesses residing in Canada. If you're wondering, asides the 'instant decision' features do these cards below share similar features with other cards in the same category? The answer is 'yes'. Go for an instant decision card to remove stress experienced waiting for an approval.



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Instant Decision Cards Listing

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American Express® Business Gold Rewards Card
American Express Business Gold Rewards Card
  • Intro APR: N/A*
  • Intro APR Period: N/A*
  • APR: N/A*
  • Annual Fee: $0.00*
4.5 out of 5

The Business Gold Rewards card is a brilliant credit card designed exclusively for use for businesses, both big and small. With annual bonuses and so many potential reward earning you will be spoilt for choice when it comes to using your membership reward points. This is the credit card for you if you want to run your business smoothly and safely!

Info Review Benefits Fees
Aspire™ World MasterCard®
Aspire World MasterCard
  • Intro APR: N/A*
  • Intro APR Period: N/A*
  • APR: 19.80%*
  • Annual Fee: $120.00*
4.5 out of 5

The Aspire World MasterCard from Capital One offers many benefits to customers in Canada. With double points on everything you buy, you can quickly earn points towards airfare, gift cards, and even cash rebates!

Info Review Benefits Fees
Aspire™ Gold MasterCard®
Aspire Gold MasterCard
  • Intro APR: N/A*
  • Intro APR Period: N/A*
  • APR: 19.80%*
  • Annual Fee: $0.00*
4.0 out of 5

You can get rewarded for everything you buy with the Aspire Gold MasterCard from Capital One. With lots of reward miles and no annual fee, this is one of the most attractive financial products in Canada.

Info Review Benefits Fees
Shoppers MasterCard® Credit Card
Shoppers MasterCard Credit Card
  • Intro APR: 1.99%*
  • Intro APR Period: 6 months*
  • APR: 19.99%*
  • Annual Fee: $0.00*
3.5 out of 5

The Shoppers credit card is reserved for Canadian residents only. It offers a rewards program, a 6 month intro period on balance transfers and cheque cash advances coupled with other attractive benefits.

Info Review Benefits Fees
Gold MasterCard® Credit Card - Fixed 9.99% AIR
Gold MasterCard Credit Card - Fixed 9.99% AIR
  • Intro APR: N/A*
  • Intro APR Period: N/A*
  • APR: 9.99%*
  • Annual Fee: $0.00*
4.5 out of 5

The Gold Master credit card issued by MBNA Canada is ideal for individuals wishing for a card providing fantastic features. Interest rate on purchase transactions is fixed ensuring cardholders can plan for the long term.

Info Review Benefits Fees
WorldPoints® MasterCard® Credit Card
WorldPoints MasterCard Credit Card
  • Intro APR: N/A*
  • Intro APR Period: N/A*
  • APR: 19.99%*
  • Annual Fee: $0.00*
3.5 out of 5

The World Points MasterCard MBNA Canada issued credit card provides a rare opportunity for individuals to receive rewards like never before. You get the right amount of credit and are charged competitive rates.

Info Review Benefits Fees
American Express® AIR MILES® Platinum Credit Card
American Express AIR MILES Platinum Credit Card
  • Intro APR: N/A*
  • Intro APR Period: N/A*
  • APR: 19.99%*
  • Annual Fee: $50.00*
3.5 out of 5

This AMEX Bank of Canada credit card is dedicated to frequent travelers in Canada. It offers a travellers program to reward you on each spend with options redeem miles earned for various benefits.

Info Review Benefits Fees
Pharmaprix MasterCard® Credit Card
Pharmaprix MasterCard Credit Card
  • Intro APR: 1.99%*
  • Intro APR Period: 6 months*
  • APR: 19.99%*
  • Annual Fee: $0.00*
3.5 out of 5

The Pharmaprix is the ideal credit card for the average Canadian resident who wants the freedom a reward credit card charging highly competitive interest rates could bring.

Info Review Benefits Fees
Platinum Plus® MasterCard® Credit Card - 1.99 for 10
Platinum Plus MasterCard Credit Card - 1.99 for 10
  • Intro APR: 1.99%*
  • Intro APR Period: 10 months*
  • APR: 17.99%*
  • Annual Fee: $0.00*
3.5 out of 5

This Platinum Plus Master Card is the ideal credit card for consumers having good credit. A long term intro period applies in addition to other platinum grade benefits from MBNA Canada, the card issuer.

Info Review Benefits Fees
Cash Back Plus Platinum MasterCard®
Cash Back Plus Platinum MasterCard
  • Intro APR: N/A*
  • Intro APR Period: N/A*
  • APR: 19.80%*
  • Annual Fee: $99.00*
4.5 out of 5

Here's a Capital One Cash Back credit card reserved for those with excellent credit who appreciate a rewards credit card. Plenty rewards, no limits to when you can redeem plus seemingly competitive rates are what you get as cardholder.

Info Review Benefits Fees



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