{"id":87733,"date":"2024-06-20T14:27:14","date_gmt":"2024-06-20T18:27:14","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=87733"},"modified":"2024-06-20T14:27:15","modified_gmt":"2024-06-20T18:27:15","slug":"best-newcomer-credit-cards-canada","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/","title":{"rendered":"How to choose the right credit card as a newcomer to Canada"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">How to choose the right credit card as a newcomer to Canada<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Royal Bank of Canada<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Multiracial colleagues cooperating while working on laptop in the office\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg 6000w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to choose the right credit card as a newcomer to Canada &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published June 20, 2024 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Finding a good credit card can be a great way to work towards building credit history in Canada. Using your credit card responsibly helps you demonstrate creditworthiness and develop a good credit score, which can help make it easier to rent a home, get an auto loan or secure a mortgage, as well as access other types of credit.&nbsp;<\/p>\n\n\n\n<p>However, with so many&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/all-credit-cards.html#all-cards\" data-dig-id=\"LP-87733-fd036e65\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"different types of credit cards\" class=\"rbc-link-format\">different types of credit cards<\/a>&nbsp;on the market, it can be hard to make sense of your options and figure out what\u2019s best for you. We&#8217;re here to help. Read on to learn about the types of credit cards available to newcomers, what to consider as you select the best credit card for you, and how to apply for a card in-branch.&nbsp; &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are newcomer credit cards?&nbsp;<\/h2>\n\n\n\n<p>At a high level, a&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/a-newcomers-guide-to-credit-cards-in-canada\/\" data-dig-id=\"LP-87733-1d48ee16\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"credit card for a newcomer\" class=\"rbc-link-format\">credit card for a newcomer<\/a>&nbsp;is intended to help establish credit history within Canada. While many credit cards in Canada require a moderate or lengthy credit history, newcomer credit cards are available to applicants with a limited or no credit history within Canada. They\u2019re available for a range of newcomers, including permanent residents, foreign workers and international students.&nbsp;<\/p>\n\n\n\n<p>Newcomer Credit Cards may be available to you in both unsecured and secured options. Unsecured credit cards allow you to make purchases up to the credit limit on the card with no upfront deposit.&nbsp;<\/p>\n\n\n\n<p>Secured credit cards function similarly to unsecured cards, in that they allow you to make purchases up to the credit limit on the card. However, secured cards require an upfront deposit, often equal to the credit limit on the card. Whether the card is secured or not depends on your credit card issuer\u2019s individual policy for newcomers and may further depend on your status in Canada.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What types of cards are available?<\/h3>\n\n\n\n<p>You may have access to a range of newcomer credit cards:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/rewards.html\" data-dig-id=\"LP-87733-ac1efa46\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Rewards cards\" class=\"rbc-link-format\"><strong>Rewards cards<\/strong><\/a>, which allow you to earn points that can be redeemed for merchandise.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/travel.html\" data-dig-id=\"LP-87733-04697e16\" data-dig-label=\"Travel cards\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"><strong>Travel cards<\/strong><\/a>, which allow you to earn points that you can redeem on travel-related expenses, such as flights and hotel bookings.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/cash-back.html\" data-dig-id=\"LP-87733-bf2f9fb8\" data-dig-label=\"Cash-back rewards cards\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"><strong>Cash-back rewards cards<\/strong><\/a>, which give you a certain amount of cash back on your credit card purchases.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/low-interest.html\" data-dig-id=\"LP-87733-1c94b883\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Low interest rate cards\" class=\"rbc-link-format\"><strong>Low interest rate cards<\/strong><\/a>, which offer a lower interest rate to allow you to save money on interest.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group mar-b has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\">Looking for a credit card?<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Use our Credit Card Selector Tool to find the best credit card for you.<\/p>\n\n\n\n<div class=\"wp-block-buttons mar-b-hlf is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary btn before\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html\" data-dig-id=\"LP-87733-91845cfc\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Help Me Choose-https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html \">Help Me Choose<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/compare-credit-cards.html\" data-dig-id=\"LP-86588-edc4fa85\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Compare Credit Cards\" class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\">Compare Credit Cards<\/a><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How to choose the best credit card for you&nbsp;<\/h2>\n\n\n\n<p>When you\u2019re selecting a card, the first thing to consider is your financial goals and how you plan to use the card. Each card has its own benefits and considerations, so you\u2019ll need to reflect on which one fits your needs and budget.&nbsp;<\/p>\n\n\n\n<p>As you evaluate cards, take into account:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Card fees&nbsp;<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/credit-card-fees-101-how-and-why-fees-are-charged\/\" data-dig-id=\"LP-87733-d857ac24\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Credit cards can come with a variety of fees\" class=\"rbc-link-format\">Credit cards can come with a variety of fees<\/a>. These might include an annual fee for holding the card, cash advance fees, foreign exchange fees, balance transfer fees, late payment fees and over-limit fees. If you want to access credit at a minimal cost, look for a credit card with no annual fee.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Interest rates&nbsp;<\/h3>\n\n\n\n<p>Learn how much interest you\u2019ll pay on purchases and cash advances. If you intend to carry a balance on your card from month to month, you may prioritize a card with a lower rate to save money on interest.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Type of rewards&nbsp;<\/h3>\n\n\n\n<p>Select a card with rewards that match your goals. A card where you earn points may help you redeem for gift cards, merchandise, or travel to visit family back home, while a cash-back card can provide some wiggle room in your budget for essentials.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to apply for a credit card as a newcomer to Canada&nbsp;<\/h2>\n\n\n\n<p>Here\u2019s how to find the ideal card in three steps:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Shop around for cards online&nbsp;<\/h3>\n\n\n\n<p>Browse the offerings across several credit card issuers \u2014 and between cards from the same issuer. Make a short list of cards that meet your financial needs and goals.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Assemble the required documents&nbsp;<\/h3>\n\n\n\n<p>Credit card issuers will require proof of identity to review your credit card application. The documents needed may vary by lender but may include:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>&nbsp;Proof of status in Canada (e.g. permanent resident card, study permit)&nbsp;&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>&nbsp;Proof of address (e.g. utility bill, lease)&nbsp;&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>&nbsp;Financial documents (e.g. pay stubs, bank statements)&nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Apply in-branch&nbsp;<\/h3>\n\n\n\n<p>Once you\u2019ve gathered your documents, visit your local branch to start the application process. Once you\u2019re approved, your card \u2014 along with the information you need to activate it \u2014 will be mailed to your home.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>&nbsp;Just got your card? Learn how to [use your credit card to build your credit history].&nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Lay the foundation for stronger credit with the right card&nbsp;<\/h2>\n\n\n\n<p>Getting a credit card helps you start building your credit history in Canada \u2014 and finding the right card for you can lay the foundation for you to achieve your personal and financial goals.<\/p>\n\n\n\n<p>RBC is here to help, with banking accounts and rewards credit cards designed with the needs of newcomers in mind. Use our&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html\" data-dig-id=\"LP-87733-a761f2c1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Credit Card Selector\" class=\"rbc-link-format\">Credit Card Selector<\/a>&nbsp;to find a card that meets your needs.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d70f9d40-5522-4373-ad92-dce1da34d931\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to choose the right credit card as a newcomer to Canada &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-3a4220bb-6546-47ea-9c5b-4e8e294cbe4c\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/banking-digital-banking\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Banking\/ Digital banking<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Credit and Debt<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Managing Money<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg 2121w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/should-you-increase-your-credit-card-limit\/\" class=\"card-title h4 mar-t-0\">Should You Increase Your Credit Card Limit?<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"women on mobile phone reviewing paper work to understand credit card balance transfers\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg 4901w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/understanding-your-credit-card-balance\/\" class=\"card-title h4 mar-t-0\">Understanding Your Credit Card Balance\u00a0<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"3 females enjoying a coffee at a coffee shop while paying using her credit card\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg 7008w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/the-advantages-of-having-a-credit-card\/\" class=\"card-title h4 mar-t-0\">The Advantages of Having a Credit Card\u00a0<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-d70f9d40-5522-4373-ad92-dce1da34d931 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-d70f9d40-5522-4373-ad92-dce1da34d931 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-3a4220bb-6546-47ea-9c5b-4e8e294cbe4c {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-3a4220bb-6546-47ea-9c5b-4e8e294cbe4c {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Set yourself up for a strong financial start in Canada by finding the right credit card.  <\/p>\n","protected":false},"author":80,"featured_media":87734,"parent":85747,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[62,510,520],"rbc_content_type":[31],"rbc_audience":[59,39,93,49,61],"rbc_lob_group":[508],"rbc_difficulty_level":[33],"rbc_mmm_category":[361,319,314,304,316,569],"class_list":["post-87733","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-banking-digital-banking","tag-credit-and-debt","tag-managing-money","rbc_content_type-article","rbc_audience-newcomer","rbc_audience-parents","rbc_audience-seniors","rbc_audience-students","rbc_audience-youth","rbc_lob_group-credit-card","rbc_difficulty_level-beginner","rbc_mmm_category-banking-in-canada","rbc_mmm_category-credit-and-borrowing","rbc_mmm_category-life-events","rbc_mmm_category-money-academy","rbc_mmm_category-new-to-canada","rbc_mmm_category-understanding-credit-cards"],"acf":{"contently_publication_id":"","custom_author":"Royal Bank of Canada","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Having a credit card helps you build your credit history as a newcomer to Canada and manage day to day life expenses when you arrive in Canada. Learn how to find one that meets your needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Having a credit card helps you build your credit history as a newcomer to Canada and manage day to day life expenses when you arrive in Canada. Learn how to find one that meets your needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Royal Bank\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-20T18:27:15+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\"},\"author\":{\"name\":\"jacquelinewu\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/d055d46e444faf6863d781f24c107a5e\"},\"headline\":\"How to choose the right credit card as a newcomer to Canada\",\"datePublished\":\"2024-06-20T18:27:14+00:00\",\"dateModified\":\"2024-06-20T18:27:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\"},\"wordCount\":929,\"image\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80\",\"keywords\":[\"Banking\/ Digital banking\",\"Credit and Debt\",\"Managing Money\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\",\"url\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\",\"name\":\"Find the right newcomer credit card for you\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80\",\"datePublished\":\"2024-06-20T18:27:14+00:00\",\"dateModified\":\"2024-06-20T18:27:15+00:00\",\"description\":\"Having a credit card helps you build your credit history as a newcomer to Canada and manage day to day life expenses when you arrive in Canada. Learn how to find one that meets your needs.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#primaryimage\",\"url\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80\",\"contentUrl\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80\",\"width\":6000,\"height\":4000,\"caption\":\"Multiracial colleagues cooperating while working on laptop in the office\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"My Money Matters\",\"item\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Money Academy\",\"item\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Credit and Borrowing\",\"item\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Understanding Credit Cards\",\"item\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"How to choose the right credit card as a newcomer to Canada\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#website\",\"url\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/\",\"name\":\"RBC Royal Bank\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/d055d46e444faf6863d781f24c107a5e\",\"name\":\"jacquelinewu\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/3321e8136810c69188cc4e33665518d781482ff9e3a346484c2892fdffef6ded?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3321e8136810c69188cc4e33665518d781482ff9e3a346484c2892fdffef6ded?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3321e8136810c69188cc4e33665518d781482ff9e3a346484c2892fdffef6ded?s=96&d=mm&r=g\",\"caption\":\"jacquelinewu\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"description":"Having a credit card helps you build your credit history as a newcomer to Canada and manage day to day life expenses when you arrive in Canada. Learn how to find one that meets your needs.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/","og_locale":"en_US","og_type":"article","og_description":"Having a credit card helps you build your credit history as a newcomer to Canada and manage day to day life expenses when you arrive in Canada. Learn how to find one that meets your needs.","og_url":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/","og_site_name":"RBC Royal Bank","article_modified_time":"2024-06-20T18:27:15+00:00","twitter_card":"summary_large_image","twitter_image":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#article","isPartOf":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/"},"author":{"name":"jacquelinewu","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/d055d46e444faf6863d781f24c107a5e"},"headline":"How to choose the right credit card as a newcomer to Canada","datePublished":"2024-06-20T18:27:14+00:00","dateModified":"2024-06-20T18:27:15+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/"},"wordCount":929,"image":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80","keywords":["Banking\/ Digital banking","Credit and Debt","Managing Money"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/","name":"Find the right newcomer credit card for you","isPartOf":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#primaryimage"},"image":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80","datePublished":"2024-06-20T18:27:14+00:00","dateModified":"2024-06-20T18:27:15+00:00","description":"Having a credit card helps you build your credit history as a newcomer to Canada and manage day to day life expenses when you arrive in Canada. Learn how to find one that meets your needs.","breadcrumb":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#primaryimage","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80","contentUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80","width":6000,"height":4000,"caption":"Multiracial colleagues cooperating while working on laptop in the office"},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"My Money Matters","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/"},{"@type":"ListItem","position":2,"name":"Money Academy","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/"},{"@type":"ListItem","position":3,"name":"Credit and Borrowing","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/"},{"@type":"ListItem","position":4,"name":"Understanding Credit Cards","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/"},{"@type":"ListItem","position":5,"name":"How to choose the right credit card as a newcomer to Canada"}]},{"@type":"WebSite","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#website","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/","name":"RBC Royal Bank","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rbcroyalbank.com\/en-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/d055d46e444faf6863d781f24c107a5e","name":"jacquelinewu","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/3321e8136810c69188cc4e33665518d781482ff9e3a346484c2892fdffef6ded?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3321e8136810c69188cc4e33665518d781482ff9e3a346484c2892fdffef6ded?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3321e8136810c69188cc4e33665518d781482ff9e3a346484c2892fdffef6ded?s=96&d=mm&r=g","caption":"jacquelinewu"}}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"How to choose the right credit card as a newcomer to Canada","url":"http:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-newcomer-credit-cards-canada\/"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80&w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80"},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"jacquelinewu"}],"creator":["jacquelinewu"],"publisher":{"@type":"Organization","name":"RBC Royal Bank","logo":""},"keywords":["banking\/ digital banking","credit and debt","managing money"],"dateCreated":"2024-06-20T18:27:14Z","datePublished":"2024-06-20T18:27:14Z","dateModified":"2024-06-20T18:27:15Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"How to choose the right credit card as a newcomer to Canada\",\"url\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/money-academy\\\/credit-and-borrowing\\\/understanding-credit-cards\\\/best-newcomer-credit-cards-canada\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/money-academy\\\/credit-and-borrowing\\\/understanding-credit-cards\\\/best-newcomer-credit-cards-canada\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2024\\\/06\\\/shutterstock_2262007209-2.jpg?quality=80&w=150&h=150&crop=1\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2024\\\/06\\\/shutterstock_2262007209-2.jpg?quality=80\"},\"articleSection\":\"Uncategorized\",\"author\":[{\"@type\":\"Person\",\"name\":\"jacquelinewu\"}],\"creator\":[\"jacquelinewu\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"RBC Royal Bank\",\"logo\":\"\"},\"keywords\":[\"banking\\\/ digital banking\",\"credit and debt\",\"managing money\"],\"dateCreated\":\"2024-06-20T18:27:14Z\",\"datePublished\":\"2024-06-20T18:27:14Z\",\"dateModified\":\"2024-06-20T18:27:15Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/rbcroyalbank.com\/p.js"},"featured_img":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/06\/shutterstock_2262007209-2.jpg?quality=80&w=1024","coauthors":[],"author_meta":{"author_link":"https:\/\/www.rbcroyalbank.com\/en-ca\/author\/jacquelinewu\/","display_name":"jacquelinewu"},"relative_dates":{"created":"Posted 2 years ago","modified":"Updated 2 years ago"},"absolute_dates":{"created":"Posted on June 20, 2024","modified":"Updated on June 20, 2024"},"absolute_dates_time":{"created":"Posted on June 20, 2024 2:27 pm","modified":"Updated on June 20, 2024 2:27 pm"},"featured_img_caption":"","tax_additional":{"post_tag":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/banking-digital-banking\/\" class=\"advgb-post-tax-term\">Banking\/ Digital banking<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\" class=\"advgb-post-tax-term\">Credit and Debt<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\" class=\"advgb-post-tax-term\">Managing Money<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Banking\/ Digital banking<\/span>","<span class=\"advgb-post-tax-term\">Credit and Debt<\/span>","<span class=\"advgb-post-tax-term\">Managing Money<\/span>"],"slug":"post_tag","name":"Tags"},"rbc_content_type":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/content-type\/article\/\" class=\"advgb-post-tax-term\">Article<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Article<\/span>"],"slug":"rbc_content_type","name":"Content Types"},"rbc_audience":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/audience\/newcomer\/\" class=\"advgb-post-tax-term\">Newcomer<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/audience\/parents\/\" class=\"advgb-post-tax-term\">Parents<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/audience\/seniors\/\" class=\"advgb-post-tax-term\">Seniors<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/audience\/students\/\" class=\"advgb-post-tax-term\">Students<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/audience\/youth\/\" class=\"advgb-post-tax-term\">Youth<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Newcomer<\/span>","<span class=\"advgb-post-tax-term\">Parents<\/span>","<span class=\"advgb-post-tax-term\">Seniors<\/span>","<span class=\"advgb-post-tax-term\">Students<\/span>","<span class=\"advgb-post-tax-term\">Youth<\/span>"],"slug":"rbc_audience","name":"Audiences"},"rbc_lob_group":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/lob-group\/credit-card\/\" class=\"advgb-post-tax-term\">Credit Card<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Credit Card<\/span>"],"slug":"rbc_lob_group","name":"LOB Groups"},"rbc_difficulty_level":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/difficulty-level\/beginner\/\" class=\"advgb-post-tax-term\">Beginner<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Beginner<\/span>"],"slug":"rbc_difficulty_level","name":"Difficulty Levels"},"rbc_mmm_category":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/banking-in-canada\/\" class=\"advgb-post-tax-term\">Banking in Canada<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/credit-and-borrowing\/\" class=\"advgb-post-tax-term\">Credit and Borrowing<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/life-events\/\" class=\"advgb-post-tax-term\">Life Events<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/money-academy\/\" class=\"advgb-post-tax-term\">Money Academy<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/new-to-canada\/\" class=\"advgb-post-tax-term\">New to Canada<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/understanding-credit-cards\/\" class=\"advgb-post-tax-term\">Understanding Credit Cards<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Banking in Canada<\/span>","<span class=\"advgb-post-tax-term\">Credit and Borrowing<\/span>","<span class=\"advgb-post-tax-term\">Life Events<\/span>","<span class=\"advgb-post-tax-term\">Money Academy<\/span>","<span class=\"advgb-post-tax-term\">New to Canada<\/span>","<span class=\"advgb-post-tax-term\">Understanding Credit Cards<\/span>"],"slug":"rbc_mmm_category","name":"Categories"},"ep_custom_result":{"linked":[],"unlinked":[],"slug":"ep_custom_result","name":"Custom Results"}},"series_order":"","jetpack_sharing_enabled":true,"primary_tag":"510","primary_rbc_mmm_category":"569","_links":{"self":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/87733","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter"}],"about":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/types\/rbc_my_money_matter"}],"author":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/users\/80"}],"version-history":[{"count":4,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/87733\/revisions"}],"predecessor-version":[{"id":92524,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/87733\/revisions\/92524"}],"up":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/85747"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/media\/87734"}],"wp:attachment":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/media?parent=87733"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/tags?post=87733"},{"taxonomy":"rbc_content_type","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_content_type?post=87733"},{"taxonomy":"rbc_audience","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_audience?post=87733"},{"taxonomy":"rbc_lob_group","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_lob_group?post=87733"},{"taxonomy":"rbc_difficulty_level","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_difficulty_level?post=87733"},{"taxonomy":"rbc_mmm_category","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_mmm_category?post=87733"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}