Approval odds checker
See your estimated approval odds for 14 Canadian credit cards — in 30 seconds.
Answer three questions about your income and credit. We’ll show which of the 14 cards covered here you look likely to qualify for, sorted from higher to lower estimated odds. It’s a rough guide built on income minimums (from the issuer’s card page where we found one) and our own credit-score estimates, not issuer approval data.
Zero impact on your credit score. We don’t pull your credit, don’t need your SIN, and never share your info with banks. Your estimate is computed entirely in your browser.
Your answers stay in your browser unless you choose the email step. We never see your real credit score and never run a credit check.
How it works
No credit check, no SIN, no surprises.
The YieldMaple approval-odds checker runs entirely in your browser. We never pull your credit. We never ask for your SIN or date of birth. We don’t share your info with banks.
Instead, it compares what you self-report with two things for each of the 14 cards it covers: an income minimum and a credit-score band. The card list, annual fees and the issuer income figures below were checked against each issuer’s official card page on October 11, 2026. The output is an estimate, not a prediction from issuer approval data, which we don’t have.
Income minimums the checker uses:
- Tangerine Money-Back Mastercard: $12,000 personal income, as listed on the issuer’s card page.
- RBC Avion Visa Infinite, CIBC Aeroplan Visa Infinite and TD Aeroplan Visa Infinite: $60,000 personal or $100,000 household income, as listed on the issuer’s card page.
- BMO Ascend World Elite Mastercard and MBNA Rewards World Elite Mastercard: $80,000 personal or $150,000 household income, as listed on the issuer’s card page.
- BMO Eclipse Visa Infinite Privilege: $150,000 personal or $200,000 household income, as listed on the issuer’s card page.
- Scotia Passport Visa Infinite: Scotiabank’s card page gives a range: $60,000 to $80,000 personal income, $100,000 to $150,000 household income, or $250,000 to $300,000 in assets under management. This tool uses the low end ($60,000 personal or $100,000 household income), so check the card page before you apply.
- American Express Aeroplan Reserve and American Express Platinum: $80,000 personal income. This is a YieldMaple estimate, not a figure from the issuer, so check the card page before you apply.
- American Express Cobalt, American Express Gold Rewards, American Express Aeroplan and Marriott Bonvoy American Express: no income bar is applied here.
The credit-score bands are YieldMaple estimates, not issuer rules. Each card has an estimated score floor (from 660 to 760 across the cards covered) and a higher band where we show higher odds. Because you pick a score range, the checker uses the low end of that range. Issuers weigh your full credit file, debts and relationship with them, so treat the bands as a rough guide.
FAQ
Common questions.
How does the approval-odds checker work?
It compares what you self-report (personal and household income ranges and a credit-score range) with two things for each of the 14 cards it covers. The first is an income minimum: the figure from the issuer's card page where we found one (checked on October 11, 2026), and otherwise our own estimate. The second is a credit-score band, which is always our own estimate, not an issuer rule. We never see your real credit score or pull your credit report. The output is an estimate, not a guarantee.
Will this affect my credit score?
No. The YieldMaple approval-odds checker runs in your browser. It doesn't contact Equifax, TransUnion, or any other credit bureau, so there is no soft or hard credit check and no effect on your credit score. Your answers stay in your browser unless you choose the optional email step.
What information do I need to provide?
Three answers: your personal income range, your household income range, and your self-reported credit score range (or 'I don't know'). Your email is optional. We never ask for your SIN, date of birth, full name or address.
How accurate is the estimate?
Treat it as a rough guide. It checks only two things: an income minimum (taken from the issuer's card page where we found one, otherwise estimated) and a credit-score band we estimated. Your answers are ranges, so the checker uses the low end of your credit-score range. We don't have issuer approval data. Real approval also depends on your full credit history, total debt, banking relationship with the issuer, employment stability, and the issuer's internal underwriting rules, none of which this tool can see.
What income do Canadian credit cards require?
On the issuer card pages we checked, the Tangerine Money-Back Mastercard lists $12,000 personal income; the RBC Avion Visa Infinite, CIBC Aeroplan Visa Infinite and TD Aeroplan Visa Infinite list $60,000 personal or $100,000 household income; the BMO Ascend World Elite Mastercard and MBNA Rewards World Elite Mastercard list $80,000 personal or $150,000 household income; the BMO Eclipse Visa Infinite Privilege lists $150,000 personal or $200,000 household income. Where a card lists both a personal and a household figure, meeting either one is enough. The Scotia Passport Visa Infinite card page gives a range rather than one minimum ($60,000 to $80,000 personal income, $100,000 to $150,000 household income, or $250,000 to $300,000 in assets under management); this tool uses the low end, $60,000 personal or $100,000 household income. For the American Express Aeroplan Reserve and American Express Platinum ($80,000 personal income), this tool uses an income bar YieldMaple estimated, not one from the issuer, so check the issuer's page for any income requirement. No income bar is applied to the American Express Cobalt, American Express Gold Rewards, American Express Aeroplan and Marriott Bonvoy American Express.
What if my credit score is below the band shown?
You can still apply. The score bands in this tool are our estimates, not issuer rules, and issuers weigh your full credit history, debts, income and relationship with them. Applying usually triggers a hard credit inquiry, which can lower your score a little for a while; being declined doesn't lower it further. Building credit history on an entry-level or secured card is a common route to qualifying for premium cards later.