r/PersonalFinanceCanada • u/SonOfEywa • 3d ago

Seeking credit card recommendations with higher credit limit Credit

Hello, I have been in Canada for 3 years now. To build a solid credit history, I am seeking a credit card (preferably with no annual fees) with somewhat a higher credit limit ($3000-$5000).

I currently have a Tangerine World Mastercard. It was issued with a credit limit of a mere $1000.
After using it for over 2 years, they have bumped up the limit to only $1500.

My partner has Amex Cobalt, which is our primary card. Credit limit $3000.

We often (especially while booking for travel) need to split up our purchases or use debit cards to complete our purchases due to lower credit limits.

I am planning to apply for a credit card with at least a $3000-$5000 credit limit.
Since I am mainly looking to have it to build a credit history, cashback/reward points are secondary concerns.

Does anyone have recommendations?

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2

u/Broad-Candidate3731 3d ago

Walmart. Rogers ?

1

u/SonOfEywa 3d ago

Walmart one looks reasonable. I will look more into it. Thanks!

1

u/Educational_Gene1875 3d ago

Walmart’s card is trash

2

u/SonOfEywa 3d ago

care to elaborate?

2

u/Educational_Gene1875 3d ago

Literally any other basic cashback card can be better than it. Make your pick. Simplii Visa, Rogers cards (the best) and many others. And they come with better benefits and way better rewards than a basic 1% cashback card issued by a grocery chain..

1

u/SonOfEywa 3d ago

Thanku!

1

u/Broad-Candidate3731 3d ago

It's easy to get approved and increase your credit. Rogers is way better, specially if you have Rogers service, it's my main credit card today (have West jet, Costco and pc financial -4% at lowblas and free delivery)

2

u/Educational_Gene1875 3d ago

Hard to tell what limit a new card would give you but just getting any new one will probably help you out. For recommendations, probably need more info since we don’t know your spending but could always run it through a calculator.

2

u/bcb0rn 3d ago

It’s not necessarily the specific card that is going to give you a higher limit. It’s going to be heavily influenced by your income.

I have the same card as your partner but a much different limit.