The best way to apply is online, but you can also apply in person or over the phone. You’ll need to provide some information to prove your identity and employment, including your:

• Employment status and place of work
• Income
• In some cases, your other debts and expenses
• Social insurance number (though, your SIN usually isn’t required)
• Finally, you’ll need to consent to a credit check

If you’re looking for a credit card with a fast application and approval process, the American Express Cobalt Card is our pick for the best instant approval card in Canada. If you want a credit card that’s easy to get approved for, consider a secured card like the Secured Neo Mastercard.

Most instant approval credit cards need fair to good credit scores, meaning you have a higher chance of being declined if you have a bad credit score. Good news is there are plenty of cards on the market for people with bad credit scores.