Who are we?
Who says your credit has to come with interest fees? PlusCredit was built by finance professionals who got tired of the traditional limitations and are building another way.
Providing sustainable solutions
Providing sustainable solutions
Providing sustainable solutions
WHO WE AREPlusCredit is a Canadian fintech built on one principle: financial tools should serve the people using them, not extract from them. Every product we build runs on a non-interest structure, transparent pricing, and no hidden fees designed to grow your costs over time.
Total Canadian consumer debt as of 2025. That number does not grow on its own. It grows because the traditional system was built to grow it.
The rate of Canadian credit card holders carrying a balance month to month. At 20-24% interest. that balance does not shrink. It compounds.
The standard credit card interest rate in Canada. Some cards charge as high as 29.99%. PlusCredit charges none.
MISSION AND VISION
PlusCredit is built to serve where the traditional system drains. We grow with you, not from you.
Customer-First
Our customers’ long-term financial wellbeing shapes every product decision. If a feature does not make it genuinely easier for someone to get ahead financially, it gets cut.
Innovation
The Canadian financial system was designed to serve itself. We are building tools that flip that model. Products that grow your financial life instead of extracting from it.
Integrity
Zero interest on everything. No hidden fees. Ethical business practices, and no fine print designed to trap you. Every cost is visible before you sign up, because you deserve to know what you are paying before you commit.
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.
Yes, security is built into how PlusCredit works. Your card runs on Zumrails, a licensed Canadian payment provider that is SOC 2 Type II certified and PCI DSS compliant, which means its security is independently audited and meets the industry standard for card payments. Purchases you didn’t make are also covered by Mastercard Zero Liability. We only collect what we need to verify who you are and run your account.
Email us at support@pluscredit.ca and we’ll get back to you within 24 hours. Tell us what you’re trying to do or what went wrong, and we’ll point you in the right direction.
Create your PlusCredit account on app.pluscredit.ca/signup, verify your identity, and choose your card or service. The Prepaid Card is free, and the Secured Card is available within a premium subscription of $7.99/month, with your security deposit setting your limit up to $10,000. Then just add funds from your bank account and you’re ready to use your card.
You don’t need a credit check to get started on many PlusCredit products. Once you verify your identity, you can get started even if you’re just starting out or starting over.