Get personalized offers on balance transfer credit cards, and see how much you could transfer.
Excellent
Apply with confidence
ClearScore searches the market for great deals that are personalised to your financial position.
Personalized offers
We show you the offers you’re most likely to qualify for, doing the hard work so you don’t have to.
Market-leading credit providers
We work with some Canada’s leading lenders to bring you credit cards, loans, mortgages, and more.
ClearScore is a credit broker, not a lender. Pre-approval doesn’t always guarantee acceptance and is subject to lenders’ checks of your credit status.
It takes more than a good credit score to access good credit. For that, you need to get credit healthy. For the first time ever, see yourself through a lender's eye and understand the bigger picture of your financial journey.
Sign up for free
Free credit score & report, updated weekly
Unlike some other providers, when we say free, we mean forever. And because keeping up to date is so important, we show you your new report every single week.
Help and support to improve your score
You'll see clear, personalized insights about your credit score and tips on how to improve it. By improving your credit score, you'll improve your chances of getting better credit offers.
Compare credit offers and see your approval odds
The higher your credit score, the more likely you are to see credit card and loan offers. We bring you exclusive offers with your approval odds, helping you feel clearer about credit.
Stop fraud in its tracks
Each week, we scan your credit report for early fraud detection, so if someone opens a card or loan in your name or your data appears on the dark web, you can act fast to protect your information.
Protect Plus, your online guardian
Upgrade your protection and access weekly credit report insights, enhanced monitoring, insurance, and a 24-hour helpline. You can try it first with a 1-month free trial.
Canadians love ClearScore
Over 24 million people globally already trust ClearScore to help them with their financial future.
Join the people who already trust ClearScore to help them improve their financial future.
Sign up for freeYes – if you want to pay off your credit card early, you can. If you make a repayment before your statement closing date (not the payment due date), your credit utilisation would be lower. The closing date for your statement is roughly 21 days before your payment due date.
If you want to increase your credit card limit, you might be able to if you have a history of using your card responsibly. You can get in touch with your lender to see what your options are.
A credit card can be a good way to borrow money and build your credit score at the same time. Depending on the type of credit card you choose, you could spread the cost of your purchases, receive rewards for certain transactions, use the card abroad or just transfer your balance.
APR stands for annual percentage rate. When you take out a credit card, you’ll need to pay it back ‘with interest’ if you carry over a balance. This is where APR comes in – it’s made up of the interest rate and other charges you might have to pay (like an annual fee).
Credit card APR doesn’t include fees you might have to pay if you miss a payment or take money out at a cash machine.
The interest rate you’re offered is based on all the things that make up your credit score and report. Because credit cards are a type of unsecured credit, lenders might offer different interest rates to different people, once they assess how risky it is to lend to them. That’s why someone with no, or a bad, credit history might be offered a higher interest rate.
