No borrowing. No interest. Real history.
The PlusCredit Mastercard builds your credit history through responsible spending, not through debt. Load your own funds. Use the card. We conditionally report your positive activity to Equifax.
How your spend builds your credit history
How to get started
PlusCredit is committed to providing financial solutions that empower Canadian consumers to achieve their financial milestones.
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SIGN UP
Create your account in minutes. No credit check required.
Sign up with a valid ID and Canadian address. No credit check. Your account is ready as soon as your identity is verified.
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LOAD YOUR CARD
Add funds and activate in minutes.
Load a minimum of $100 to your card as a deposit. Add funds instantly via Interac e-Transfer, or within 1 to 2 business days via direct bank transfer. A one-time card activation fee of $20 is charged to your card. Once you're activated, your balance becomes your spending limit.
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START SPENDING
Spend anywhere and let the reporting do the work.
Use your card at any Mastercard-accepted retailer in Canada. PlusCredit reports your responsible card activity to Equifax. Maintaining a minimum limit of $100 with no late payments or overdrafts is how your history gets built. No debt required.
Tired of needing history to build history in Canada?
That loop ends here. No credit check, no debt, no interest fees. Load, spend, and let PlusCredit report your day-to-day spend to bureaus.