Apply online for a Capital One Guaranteed MasterCard for people whose credit needs improvement.
"It just takes a minute to complete and submit
your Capital One Guaranteed Credit Card application"
Strengthen your credit history.
Get the Capital One Guaranteed MasterCard, and enjoy all the conveniences of a credit card. With this guaranteed card you can buy merchandise online, rent a car, or just do your daily shopping, quickly and easily.
Using your Capital One MasterCard responsibly can help you strengthen your credit history – just make sure to pay your bills on time and stay within your credit limit.
How to qualify for a Guaranteed MasterCard.
Be at least the age of majority in your province or residence;
Reside in AB, BC, MB, NB, NL, NS, ON, PE, or SK;
Not have an existing Capital One account, not have applied for a Capital One account within the last 65 days or have a Capital One account that is not in good standing within the last 12 months before applying;
Provide security funds, if required, by cheque or money order.
Safe and secure online application with SSL encryption technology.
Get your Guaranteed MasterCard to enjoy benefits, savings and rewards today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
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Capital One® Guaranteed MasterCard® |  |
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Capital One® Low Rate Guaranteed MasterCard® | |
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The Guaranteed MasterCard®, issued by Capital One Bank Canada, is suitable for Canadian residents who want to enjoy a credit card benefits and improving their credit history at the same times. Cardholders will enjoy Gold MasterCard special benefits such as purchase assurance and extended warranty, car rental collision and damage waiver, travel accident insurance. Cardholders are protected with $0 fraud liability for unauthorized use. The card also comes with the convenient MasterCard PayPassTM feature, allowing you to Tap & Go for small purchases. This card does comes with a small annual fee of $59 per year. Interest rates for purchases, balance transfers, and cash advances is reasonable for this type of card. In short, this card is ideal for people with average credit history, who want to enjoy Gold benefits while strengthen their credit. If you just want the convenience of making purchases with your Guaranteed MasterCard®, not carrying or transferring any balances, this is the right Guaranteed MasterCard® for you. However, if you use your Guaranteed MasterCard® for gas and grocery purchases for more than $1,000 per year, then you may want to consider the Cash Back Guaranteed MasterCard® as the extra $20 on the annual fee can be easily offset. 
Safe and secure online application with SSL encryption technology.Guaranteed MasterCard® is a good match for you if: You've had a loan, credit card or line of credit for more than one year. You have not missed more than two payments on your credit in the past three months. You have not defaulted on credit as a result of failing to pay back debts to creditors in the past two years. |
The Low Rate Guaranteed MasterCard®, issued by Capital One Bank Canada, is suitable for Canadian residents who want to enjoy a credit card benefits and low interest rate while improving their credit history at the same times. Cardholders will also enjoy Gold MasterCard special benefits such as purchase assurance and extended warranty, car rental collision and damage waiver, travel accident insurance. Cardholders are protected with $0 fraud liability for unauthorized use. The card also comes with the convenient MasterCard PayPassTM feature, allowing you to Tap & Go for small purchases. This card does comes with an annual fee of $79 per year, with a low interest rates for purchases, balance transfers, and cash advances. In short, this card is ideal for people with average credit history, who want to enjoy Gold benefits and take advantage of the low, long-term interest rate that can help strengthen their credit history. If you plan to transfer or carry balances with your Guaranteed MasterCard®, this is the right Guaranteed MasterCard® considering the extra $20 annual fee would save you from paying higher interest charges.
Safe and secure online application with SSL encryption technology.Low Rate Guaranteed MasterCard® is a good match for you if: You've had a loan, credit card or line of credit for more than one year. You have not missed more than two payments on your credit in the past three months. You have not defaulted on credit as a result of failing to pay back debts to creditors in the past two years. |
$0 Fraud Liability If your card is ever lost or stolen and used without your authorization, you’ll not be liable for those charges. 24/7 customer service We’re here for you 24/7. Customer service representatives are only a phone call away and are available to answer your questions around the clock Purchase Assurance1 No matter where you are in the world, most personal items you purchase are automatically insured against theft, loss or damage for 90 days from the date of purchase when the full cost of the item is charged to your Capital One card. Extended Warranty1 Going even further to protect your purchases. Use your Capital One card to purchase an item with an existing warranty and you’ll get double the original manufacturer’s warranty, for up to one additional year, on most personal items. Car Rental Collision and Damage Waiver2 Drive away knowing you’re covered. Rent a car with your Capital One card and decline the collision damage waiver insurance offered by the rental agency (saving you $15-$20 per day) and you’ll be insured if your car is damaged or stolen. Up to $250,000 Common Carrier Travel Accident Insurance3 Receive automatic travel insurance coverage for you, your spouse and your dependent children when you charge the full cost of your common carrier tickets to your Capital One card. Delayed Baggage Benefit3 If your checked luggage is taking the scenic route to your destination, you may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items when you charge the full cost of your tickets to your Capital One card. MasterAssist™ Travel Assistance Service While travelling outside your province of residence, you’ll have 24/7 assistance for medical referrals, emergency cash transfers, lost documents, ticket replacements, lost luggage assistance and legal referrals. Master RoadAssist™ Connects you to 24-hour emergency road service for travel 50 or more miles from home. Services are offered at pre-negotiated rates and include towing, gas delivery and minor mechanical aid - and you only pay when you need the service. MasterCard Global Service™ Emergency card replacement, emergency cash advance, and referral to the closest ATM machine are only a phone call away – and you can talk to someone 24/7. 1 Purchase Assurance and Extended Warranty are underwritten by the American Bankers Insurance Company of Florida. You will receive the details of your coverage, including terms, conditions, limitations and exclusions, in the Certificate of Insurance provided with your card. 2 Car Rental Collision and Damage Waiver are underwritten by the American Bankers Insurance Company of Florida. You will receive the details of your coverage, including terms, conditions, limitations and exclusions, in the Certificate of Insurance provided with your card. 3 Common Carrier Travel Accident Insurance and Delayed Baggage Benefit are underwritten by the Chubb Insurance Company of Canada. You will receive the details of your coverage, including terms, conditions, limitations and exclusions, in the Certificate of Insurance provided with your card. |
What is the No Hassle Rewards Cash Back Program? The No Hassle Rewards Cash Back Program gives you cash back for the everyday purchases you make on your Capital One Cash Back card. As long as you have $15 in your rewards account, you can redeem your cash back as a cheque or as a credit on your Capital One account. How do I earn cash? Whenever you use your Cash Back Plus MasterCard, you'll earn cash back rewards on your net purchases (purchases minus refunds, returns, or other similar credits). If you make any cash advances, balance transfers or use access cheque (including but not limited to Purchase Cheques, Special Offer Cheques, or other similar cheques) you will not earn cash back rewards. You also can't earn cash back rewards for fees or finance charges. Is there a limit to the amount of cash I can earn? No. There is no limit to the amount of cash you can earn Do I have to shop at certain stores to earn my cash back rewards? No. You'll earn cash back rewards at any store that accepts MasterCard. How is my cash back reward calculated? You'll earn your cash back on any qualifying purchase. Will my cash back rewards ever expire? No. Your rewards will never expire for the life of the account. If you close your account and have a remaining balance of unredeemed rewards, you will lose those rewards. How many cash back reward miles are required before I can redeem for cash back? Whenever your cash rewards balance is $15 or more you can redeem for cash back. Can I redeem for something other than cash? No. The cash back reward program is only for earning cash on all your purchases. Is it possible for me to lose my rewards? As long as your account is open, your rewards will not expire. But, your account must be in good standing to redeem them. What are the eligibility requirements to redeem rewards? They're simple. Your account must be open and it must be in good standing, which means you've paid at least your minimum monthly balance on time and you haven't gone over your credit limit. What does no limit on rewards mean? It means there's no limit to the amount of cash back rewards you can earn and your rewards won't expire for the life of your account. How long will it take to get my cash back? If you request a statement credit, you'll get it within five to seven business days. If you request a cheque you'll get it within 30 days. |
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All card applications are strictly confidential.
You are allowed to apply for more than one card.
Your application is safe and secure with SSL encryption technology.