How to get a prepaid Visa and Mastercard credit card in Canada and Quebec

How to get a prepaid
Visa and Mastercard credit card
in Canada and Quebec

The credit access is sometimes difficult for people who struggled financialy in the past.

However, there’s now flexible Visa and Mastercard products that allow to profit of the benefits of having a Visa and Mastercard credit card without having a good credit report and a good credit score.

Here’s a quick presentation of the financial products that exist for you if you need to pay with a credit card over the phone or on the Internet.

Note that:

  • No credit investigation is required to get one of the following credit cards.

  • It is essential to prouve your identity to get reloadable credit cards and for the CIBC Visa Debit card.

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Carte de crédit Vanilla Mastercard prépayéeVanilla Mastercard Prepaid Credit Card

Credit Card Type
Prepaid

Reloadable?
No

How much money can the card hold?
25$ CAD
50$ CAD
100$ CAD
200$ CAD

Activation Fees
25$ card: 3.95$ (15.8%)
50$ card: 4.95$ (9.90%)
100$ card: 5.95$ (5.95%)
200$ card: 6.95$ (3.98%)

Replacement Fees for a Lost Card
9.95$

Standard Lifetyme
6 months

Fees After the 6th Month of Activation
2.50$/month

Works with Online Poker Rooms?
Yes: Poker Stars and Fult Tilt Poker

Where can we buy the Vanilla Mastercard Giftcard?
Petro-Canada
Jean Coutu Drugstores
Shopper Drug Mart
Duane Reade’s
7-11 Convenience Store

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Carte de crédit prépayée Visa Cadeau

Visa Prepaid Giftcard Credit Card

Type of Credit Card
Prepaid

Reloadable?
No

How much money can the card hold?
25$ CAD
50$ CAD
100$ CAD
200$ CAD
250$ CAD 

Activation Fees
25$ card: 3.95$ (15.8%)
50$ card: 4.95$ (9.90%)
100$ card: 5.95$ (5.95%)
200$ card: 6.95$ (3.98%)
250$ card: 7.50$ (3.00%) 

Replacement Fees for Lost Card
20$

Standard Lifetime
12 months

Monthly Fee after the 12th Month of Activation
2.00$/month

Works with Online Poker Rooms?
Yes: Fult Tilt Poker

Where to get a Visa Giftcard Prepaid Credit Card?
Jean Coutu Drugstore
Shoppers Drug Mart
Couche-Tard Convenience Stores
Dominion
MACS
Pharma Plus
Rexall
Sobeys

Frais ponctuels, une seule fois, payables en argent comptant et en espèces ou par carte de débit seulement

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Carte de crédit prépayée Visa Cadeau RBC Banque Royale du CanadaVisa RBC Giftcard Prepaid Credit Card
(Royal Bank of Canada)

Credit Card Type
Prepaid

Reloadable?
No

How much money can the card hold?
Customer’s Choice
Minimum: 25$ CAD
Maximum: 500$ CAD

Activation Fees
3.95$ no matter how much you put
on the prepaid card


Replacement fees for card
15.00$

Standard Lifetime
6 months

Fees after the 6th month of activation

1.50$/month

Works with online Poker Rooms?
Not tested

Where to get the Visa RBC Prepaid Credit Card Giftcard?
Royal Bank of Canada (RBC)

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Frais ponctuels, une seule fois, payables en argent comptant et en espèces ou
par carte de débit seulement

Carte de crédit prépayée Visa Titanium Plus rechargeableReloadable Visa Titanium Plus Credit Card

Credit Card Type
Prepaid

Reloadable?
Yes

How much money can the card hold?
Minimum prepaid amount prépayé: 10$
Maximum prepaid amount: 7500$
Maximum possible balance: 10,000$

Activation Fees
20$+taxes (one time fee)

Maintenance Fees
7.50$ or 15$ per month
(depending on choosen plan)

Reload Fees
2.00$ or free
(depending on choosen plan)

Usage Fees
0.50$/transaction or free
(depending on choosen plan)

Replacement Fees
5.00$

Standard Lifetime
“Unlimited”

Works with Online Poker Rooms?
Not tested

Where to get reloadable Visa Titanium+ Credut Card
MoneyMart
InstaChèques

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Carte de paiement Visa Debit CIBC***NEW***
CIBC Visa Debit Card (with Interac)

Card Type
Debit

Reloadable?
“Yes”

How much money can the card hold?
CIBC bank account balance

Usage Fees
Normal bank fees applies
Choose your plan at the bank

Card Replacement Fees
Doesn’t apply

Standard Lifetime
Unlimited, as long as your CIBC bank account is active

Works with Online Poker Rooms?
Yes: Poker Stars and Fult Tilt Poker

Where and how to get a CIBC Debit Card?
Open a bank account at your CIBC bank

Note regarding the CIBC Visa Debit card
The card has two functions: it’s a card that works with Interac (direct payment) and that is accepted almost anywhere where the Visa Card is accepted. The cash limit that you can use with the CIBC Visa Debit Card is your bank account’s balance.

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Carte Visa Prépayée Rechargeable Postes Canada - Canada Post Visa Reloadable Prepaid Card


Visa Prepaid and Reloadable
Credit Card from Canada Post

Activation fee
One time fee paid in money or cash, or with debit card
15$

Monthly service fee
3$

Reload fee
3$

Negative balance fee
5$

ATM withdrawal fee
2$

Customer service call
1$

Replacement card
20$

Expiration of the card
The card expires 2 years after delivery

Maximum balance
10,000$

Complies with Internet poker sites
Untested
Should work
Not recommended

Foreign currency exchange fee
2,5%

Notes about the fees
*The monthly service fees are deducted on the card balance at
the beggining of each month.
*The ATM service supplier can charge extra fees for a withdrawal.

Frais ponctuels, une seule fois, payables en argent comptant et en espèces ou
par carte de débit seulement