If you’re dealing with bad credit or have no credit history at all, getting approved for a high-limit credit card in Canada might seem impossible. But in 2025, a growing number of credit card providers are offering custom options for people with limited credit—including potential limits up to $5,000. Whether you’re rebuilding your financial profile or starting fresh, these offers could give you a real head start.
Why Canadian Lenders Are Expanding Access to Higher-Limit Cards
With rising demand for credit inclusivity, many banks and fintech lenders in Canada now offer cards designed for low credit or no credit applicants. These products may be secured or unsecured, and some consider alternative factors like employment, income, or banking history. If you meet the right criteria, you may qualify for a starting limit of $5,000, even with past credit challenges.