Credit scores in Canada are three-digit numbers that range from 300-900, and are rated from Poor to Excellent.

Nov 14, 2025 · You can find credit cards that offer rewards equal to 1% to 1.5% back even for bad credit and fair credit. But if you want 3% to 6% in major spending categories, you'll need good credit.

Nov 18, 2025 · NerdWallet's Credit Cards team selects the best credit cards for fair or average credit based on overall value, as evidenced by star ratings, as well as suitability for specific kinds of …

In Canada, a FICO score can range from 300 up to 900 and is derived from five main factors: your payment history, credit utilization, account history, public records (or credit mix) and credit ...

Depending on your credit scores, the interest rate (aka APR) on your credit card may be higher or lower.

It depends on the type of card you're looking at, as well as your own credit. A credit card APR below 10% is definitely good, but you may have to go to a local bank or credit union to find it.

The typical minimum credit score needed to qualify for a personal loan is from 550 to 660, according to lenders surveyed by NerdWallet.

Learn how your credit score affects your credit card approval odds and shapes the terms you’re offered, plus how to improve both for better limits and rates.

Knowing your credit score and how close it is to the average can help you be more prepared to apply for financial products.

Nov 15, 2025 · Credit score requirement: You can qualify for the Target Circle™ Credit Card with good to excellent credit, generally defined as a credit score of 690 or better.