- Non-interest
products - Ethical
financing - No compounding
costs - Built for your
progress
Get more from
every dollar you spend
The growing movement for fairer finance.
THE LINEUPYour financial
toolkit for full control.
0% interest charges
Traditional credit card without interest charges.
Your deposit sets your credit limit. Spend against it, pay it back, and build your credit file with on-time payments.
Build credit history without credit checks.
Prepaid card. Load your funds and spend like normal. Every purchase gets reported to the credit bureau. No credit checks. No debt risk. Use wherever Mastercard is accepted.
See your full financial picture
Your complete Equifax report, live. Every inquiry. Every account. Explained in plain language. If something looks wrong, dispute it directly from your dashboard. Powered by Equifax.
Make your rent count
You’re already paying it every month. Now timely payments can build your credit file. Reported to the bureau monthly.
PlusFlex
Early access to earned income before payday. Avoid overdraft fees or high-interest borrowing when cash flow is tight.
What others offer
How most credit cards are
designed to keep you in debt.
-
CARD COMPARISON
- Interest
- Revolving debt
- Foreign transactions
- Cash advances
- Approval
- Fees
- TYPICAL CARDS
- 20%+ compounding monthly
- Minimum payment calculated to leave a balance
- 2.5% at most Canadian banks
- Credit check, possible rejection
- Interest from day one, often 22%+
- Annual fees, FX markups, fine-print extras
- PLUSCREDIT CARD
- 0% interest charges. Always
- No revolving debt
- 1%
- 0% interest — one flat fee
- Guaranteed for PlusCredit Mastercard
- One price, published up front
CARD COMPARISON
Interest
TYPICAL CARDS
20%+ compounding monthly
PLUS CARD
0% interest charges. Always
Revolving debt
TYPICAL CARDS
Minimum payment calculated to leave a balance
PLUS CARD
No revolving debt
Foreign transactions
TYPICAL CARDS
2.5% at most Canadian banks
PLUS CARD
1%
Cash advances
TYPICAL CARDS
Credit check, possible rejection
PLUS CARD
0% interest. One flat fee
Approval
TYPICAL CARDS
Interest from day one, often 22%+
PLUS CARD
Guaranteed for PlusCredit Mastercard*
Fees
TYPICAL CARDS
Annual fees, FX markups, fine-print extras
PLUS CARD
One price, published up front
Helping you take control of your finances
PlusCredit is committed to providing financial solutions that empower Canadian consumers to achieve their financial milestones.
Unique
by design
Every product we build runs on the same principle. No interest charged. No fees that grow over time. No mechanics designed to extract from you. Just financial tools that give you more from your money, every time you use them.
Built on
Integrity
With commitment to regulatory compliance and customer satisfaction, PlusCredit is setting new standards in credit solutions.
Seamless User
Experience
Our intuitive platform makes managing your finances easy and seamless.
Powered By
Built for your progress.
Not from it
Most financial products profit from the moments you fall behind. Interest that compounds. Penalty fees. Costs that climb the longer you stay.
PlusCredit builds differently. Flat fees upfront. Zero interest on everything. Nothing that escalates. When you do better, we do better. That’s the only model we were willing to build.
WHAT WE’VE SET OUT TO SOLVEGet started in three steps
Create your account in minutes. No credit check required.- Add a minimum deposit of $100 via Interac or bank transfer. Your card is ready immediately after approval.
- Use it anywhere Mastercard is accepted across Canada.
Your funds, card data, and every transaction run through Zum Rails, a SOC 2 Type II certified and PCI DSS compliant infrastructure. Your card carries Mastercard Zero Liability protection. If an unauthorized charge appears on your account, you are not responsible for it. Not partially. Not at all.
Got questions? We’ve got answers
PlusCredit is a Canadian fintech platform with interest-free tools to help you build, monitor, and understand your credit. Products include a prepaid card, secured card, credit monitoring, rent reporting, and an AI coach.
You can contact our customer support through support@pluscredit.ca
No, our products do not have a credit score requirement.
You can get started at anytime by going to app.pluscredit.ca.
