What Credit Score Do You Need For a Credit Card?

There isn’t one exact number—but in Canada, many unsecured credit cards look for “good” credit, often somewhere in the mid-600s or higher.

That said:

• Some entry-level or student cards may approve people in the low 600s.

• If your score is below the mid-600s or you have limited history, you may need a secured card or a credit building tool first.

So the real answer is: the better your score and history, the better card options you have.

If your credit isn’t there yet, it’s usually smarter to build first, apply later.

Using KOHO Essential If Your Score Isn’t Great Yet

If you’re not confident you’ll qualify for a traditional credit card or you just don’t want to jump into one right away, with KOHO Essential:

• It has a low monthly plan fee that can be waived when you set up direct deposit or add +$1,000.

• Use a prepaid Mastercard® for groceries, bills, subscriptions, and travel.

• Grow your savings with a 2% interest savings rate on your entire balance.

• Earn 1% cash back on groceries, eating & drinking, and transportation.

• You can subscribe to Credit Building for $10/month, it's an affordable way to build your credit history.

• Enjoy unlimited transactions and free e-transfers (never worry about fees when sending money to someone again).

Rough Credit Score Ranges for Credit Cards

Every lender is different, but here’s a simple way to think about it:

• Good to excellent credit (around mid-600s and up):
  You’re more likely to qualify for many unsecured cards, including some that offer rewards.

• Fair credit (around low-600s):
  You may still qualify for certain basic or student cards, but options are more limited and you may not get the best rates or perks.

• Poor or limited credit (below that range, or thin file):
  You might have more success with:

  • Secured credit cards (you provide a deposit)

  • Credit building features

  • Prepaid and hybrid products while you work on your score

The goal is to improve your profile first, so when you apply, you have a better chance at approval and better terms.

How to Get Ready for a Credit Card Approval

If you’re not sure you’d qualify right now, focus on:

• Paying all bills on time (phone, loans, any existing credit products)

• Keeping any existing balances low

• Avoiding a bunch of new credit applications all at once

Once your score and history improve, you’ll have more options—and you can choose a credit card that actually fits your life, instead of just whatever will approve you.