Launching Q3 2026. Be among the first to get access
A Card That Says YES Where Others Say No
Build real credit history in Canada using your own money with a PlusCredit Mastercard® . No credit check. No interest charged. No rejection.
For anyone starting fresh, or starting over
Building credit can feel like a loop
You need good credit history to get credit services. But you need credit services to build good credit history.
PlusCredit was built to break that loop and meet you exactly where you are.
Spend like Normal. Grow credit without Debt
PlusCredit cards give you the credit-building power of a traditional credit card, with the safety and control of a prepaid card
You Load Your Money
Deposit anywhere from $100 to $5,000. That becomes your spending limit.
Spend Like Normal
Use your PlusCredit card anywhere Mastercard is accepted. Groceries, transit, subscriptions, shopping.
We Report Your Activity
Every purchase gets reported to Equifax as positive payment behavior.
Your Credit Grows
Month by month, your credit file strengthens, without borrowing, interest, or debt.
powered by
See your
progress in real time
Most credit-building cards leave you guessing. PlusCredit shows you exactly what’s happening via CreditSee (included free). You get:
Your full Equifax credit report
Not just a number, but the complete picture lenders see
Score trends over time
Not just a number, but the complete picture lenders see
Credit inquiry tracking
Not just a number, but the complete picture lenders see
Access to dispute tools
Not just a number, but the complete picture lenders see
One card. One dashboard. Everything you need to
build and monitor your credit in Canada.
Get early access
Here’s exactly how PlusCredit improves your credit standing and how to get yourself set up in minutes.
Got questions? We’ve got answers.
No. That’s the whole point. PlusCredit is designed for people who are just starting out,We only verify your identity and Canadian residency, Whether you’re an international student, a newcomer, or someone starting fresh or starting over, you’re welcome here.
No. That’s the whole point. PlusCredit is designed for people who are just starting out,We only verify your identity and Canadian residency, Whether you’re an international student, a newcomer, or someone starting fresh or starting over, you’re welcome here.
No. That’s the whole point. PlusCredit is designed for people who are just starting out,We only verify your identity and Canadian residency, Whether you’re an international student, a newcomer, or someone starting fresh or starting over, you’re welcome here.
No. That’s the whole point. PlusCredit is designed for people who are just starting out,We only verify your identity and Canadian residency, Whether you’re an international student, a newcomer, or someone starting fresh or starting over, you’re welcome here.
No. That’s the whole point. PlusCredit is designed for people who are just starting out,We only verify your identity and Canadian residency, Whether you’re an international student, a newcomer, or someone starting fresh or starting over, you’re welcome here.
No. That’s the whole point. PlusCredit is designed for people who are just starting out,We only verify your identity and Canadian residency, Whether you’re an international student, a newcomer, or someone starting fresh or starting over, you’re welcome here.
No. That’s the whole point. PlusCredit is designed for people who are just starting out,We only verify your identity and Canadian residency, Whether you’re an international student, a newcomer, or someone starting fresh or starting over, you’re welcome here.