Approval odds checker
See your approval odds for every Canadian credit card — in 30 seconds.
Answer three questions about your income and credit. We’ll show you which Canadian credit cards you’re likely to be approved for — ranked by welcome bonus and ongoing value.
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.
Question 1 of 4
What’s your annual personal income?
Before-tax income, in CAD. We use this to filter out cards with income requirements you don’t meet.
Question 2 of 4
What’s your total household income?
Premium cards accept either personal OR household income at the threshold. If you live alone, this is the same as your personal income.
Question 3 of 4
What’s your credit score?
Use Borrowell, Credit Karma, or your bank’s free credit score feature. We don’t pull your real score — you’re telling us.
Question 4 of 4 · Optional
Get your full match report?
Drop your email and we’ll send you a personalized PDF with every Canadian card you’re likely to qualify for, ranked by welcome bonus value. Or skip and see your results below.
Your matches
Cards you’re likely approved for
This is an estimate, not a guarantee. Final approval depends on your full credit history, total debt, banking relationship, and the issuer’s underwriting rules we can’t see. Approval odds are based on each card’s publicly published income and credit-score requirements. Estimates are most accurate for entry and premium-tier cards. See our methodology.
Your data stays in your browser. 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, we use each Canadian credit card’s publicly published minimum income and credit-score requirements (sourced directly from each issuer’s cardholder agreement) and compare them against what you self-report. The output is an estimate of which cards are likely to approve you.
Two key tiers govern most premium Canadian cards:
- Visa Infinite cards (Scotia Passport, RBC Avion, CIBC Aeroplan, TD Aeroplan): require $60,000 personal OR $100,000 household income set by Visa Canada.
- Mastercard World Elite (MBNA Rewards, BMO Ascend): require $80,000 personal OR $150,000 household income set by Mastercard Canada.
Below those tiers (Visa Platinum, Mastercard Gold) most cards have either a low income minimum ($12,000) or none at all, with approval driven by credit score.
American Express Canada doesn’t publish income minimums. They use internal scoring. Most Canadians with fair-to-good credit (660+) are approved for entry-tier Amex cards regardless of income.
FAQ
Common questions.
How does the approval-odds checker work?
We use each card's publicly published income, credit-score, and tier requirements (sourced directly from issuer cardholder agreements) to estimate your approval odds for every major Canadian credit card. We never see your real credit score or pull your credit report — you self-report a score range. The output is an estimate, not a guarantee.
Will this affect my credit score?
No. The YieldMaple approval-odds checker runs entirely client-side. We do not query Equifax, TransUnion, or any other credit bureau. There is no soft pull, no hard pull, and no impact on your credit score whatsoever. Your information is only used to compute the estimate.
What information do I need to provide?
Three pieces of information: your annual income range, your self-reported credit score range (or 'I don't know'), and your employment status. Optionally, your email to receive your full match report. We never ask for your SIN, date of birth, full name, or any sensitive personal info.
How accurate is the estimate?
The estimate is based on each card's published minimum requirements. 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. Our estimate is most accurate for the entry-tier and premium-tier cards where published criteria closely match actual approval behavior. Elite tier ($600+ fee cards) often involve manual review beyond what published criteria suggest.
Why do credit cards have income minimums?
Visa Canada and Mastercard Canada set tier-level income requirements as part of their card-class standards. Visa Infinite cards require $60,000 personal or $100,000 household. Mastercard World Elite cards require $80,000 personal or $150,000 household. Cards below those tiers (Visa Platinum, Mastercard Gold) have lower or no income minimums set by the issuer.
What if my credit score is lower than the card requires?
You can still apply, but your approval odds are lower. Many Canadians are approved for cards above their score band because of strong income, long credit history, or banking relationship with the issuer. If you're rejected, it does NOT mean your score will drop further — only the application hard pull (5-10 point temporary dip). Building credit on an entry-tier or secured card first is the path to qualifying for premium cards.