How to Apply for an Apple Card Alternative in Canada

 

Since the Apple Card is not yet available in Canada, you might consider alternative credit cards that offer cashback, no annual fees, and seamless mobile integration—features similar to Apple Card.

1. Understand Credit Card Eligibility in Canada

Before applying for a credit card in Canada, you need to meet the following criteria:

Age Requirement: Must be at least 18 or 19 years old, depending on your province.

Canadian Residency: Must be a Canadian citizen, permanent resident, or have a valid work/study visa.

Credit Score: Your credit history will be checked. A good credit score (660+) improves your chances of approval.

Income Requirement: Some premium cards require a minimum income level.

Social Insurance Number (SIN): Some issuers may request your SIN for identity verification.

2. Find an Apple Card Alternative in Canada

If you want a credit card similar to Apple Card, consider these options:

Neo Financial Mastercard → No annual fee, great cashback on purchases.

American Express Cobalt Card → Rewards on dining, travel, and subscriptions.

Rogers World Elite Mastercard → Cashback, good for Apple purchases.

KOHO Prepaid Mastercard → Works like Apple Card with spending insights.

Scotiabank Momentum Visa Infinite → Cashback on groceries and bills.

Compare features like cashback, annual fees, and mobile integration before applying.

3. Check Your Credit Score

Before applying, check your credit score through:

Equifax Canada

TransUnion Canada

Bank apps like RBC, TD, or Scotiabank

A score of 700+ improves your chances for premium cards.

4. Use an Eligibility Checker

Some banks and comparison sites like Ratehub.ca and GreedyRates let you check which cards you qualify for without affecting your credit score.

5. Gather Required Documents

When applying, you’ll need:

Government-issued ID (passport or driver’s license).

Proof of Canadian address (utility bill or bank statement).

Employment and income details (T4, pay stubs, or tax return).

Bank account details (if required).

6. Apply for the Credit Card

You can apply through:

a) Online (Fastest Option)

Visit the bank’s official website.

Fill out the online application.

Get instant approval or wait a few days for a decision.

b) In-Branch

Visit a local bank branch and apply with a representative.

c) Phone Application

Some issuers allow applications via phone with a customer service agent.

7. Wait for Approval

Instant approval: If you have a high credit score.

Review process: If the bank needs more details, it may take a few days to a week.

If approved, your credit card will arrive within 7–10 business days.

8. Activate and Use Your Credit Card

Activate online or via the bank app.

Add the card to Apple Pay for mobile payments.

Pay bills on time to build your credit score.

Use cashback and rewards wisely.

9. What If Your Application Is Denied?

Check the reason for rejection.

Improve your credit score by making payments on time and reducing debt.

Consider a secured or lower-limit credit card to build credit.

Wait before reapplying to avoid multiple hard inquiries.