{"id":79366,"date":"2026-04-07T07:38:00","date_gmt":"2026-04-07T11:38:00","guid":{"rendered":"https:\/\/hardbacon.ca\/?post_type=product-page&#038;p=79366"},"modified":"2026-04-08T14:23:57","modified_gmt":"2026-04-08T18:23:57","slug":"best-credit-cards-for-bad-credit-in-canada","status":"publish","type":"product-page","link":"https:\/\/hardbacon.ca\/en\/best-credit-cards-for-bad-credit-in-canada\/","title":{"rendered":"Best Credit Cards for Bad Credit"},"content":{"rendered":"\n<section  class=\"section-p \">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h1 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Best <span>Credit Cards<\/span> for Bad Credit and Building Credit in Canada<\/h1>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Bad credit does not mean you are out of options. The right credit card can help you rebuild your score, strengthen your financial habits, and move toward better approval opportunities.<\/p>\n<p>We compare secured and accessible credit cards based on fees, reporting to credit bureaus, approval requirements, and long-term credit-building potential so you can start improving your credit with confidence.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/?cc_ut%5B%5D=CREDIT_BUILDER\" class=\"whitespace-nowrap button-link-base button-link-filled mt-8\" target=\"_self\">Compare Credit Cards for Bad Credit<\/a>\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/11\/credit-cards-illustration.svg\" class=\"w-full h-auto max-w-[600px] mx-auto rounded-sm\" alt=\"credit-cards-illustration\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n\n\n\n\t<div x-data=\"stickyTocByRange('.sticky-toc-start', '.sticky-toc-end', '!flex')\" :class=\"bannerClasses()\"  @click=\"$store.tocToggle = !$store.tocToggle\" class=\"hidden fixed top-5 lg:bottom-5 lg:top-auto right-5 border-1 border-white text-white rounded-sm bg-accent-green flex p-2 gap-1 cursor-pointer z-[999] shadow-(--shadow)\">\n\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/toc.BnfYFLp4.svg\" loading=\"lazy\" alt=\"Table of content\" class=\"w-3 h-auto\">\n\t\t<span class=\"text-xs\">Table of content<\/span>\n\t<\/div>\n\n\t\t<div x-data class=\"fixed top-0 bottom-0 right-0 z-[999] translate-x-full transition-transform duration-300 ease-out will-change-transform\" :class=\"$store.tocToggle &#038;&#038; '!translate-x-0'\" >\n\t\t<div class=\"relative bg-white h-full py-10 px-8 lg:px-20 flex flex-col justify-center shadow-(--shadow)\">\n\t\t\t<div class=\"flex justify-between items-center mb-10\">\n\t\t\t\t<span class=\"font-medium\">Table of content<\/span>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" loading=\"lazy\" alt=\"Close\" class=\"block p-2 w-12 h-auto cursor-pointer\" @click=\"$store.tocToggle = !$store.tocToggle\">\n\t\t\t<\/div>\n\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_1\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Overall Choice<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_2\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Low Fee<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_3\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Prepaid<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_4\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Guaranteed Approval<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_5\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Credit Cards for Bad Credit Basics<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_6\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Secured vs. Unsecured vs. Prepaid Cards<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_7\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">How to Find the Right Card<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_8\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">How to Accelerate Credit Recovery<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_9\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Timeline &#038; Score Improvement<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_10\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">FAQs<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<section  class=\" relative overflow-hidden section-p\">\n\t<div class=\"container\">\n\t\t\t\t\t<header class=\"section-head-center mb-21 lg:mb-36\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-7\">Top Credit Cards for Bad Credit in Canada: <span>Quick Overview<\/span><\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div>\n\t\t\t<div x-data=\"horizontalScrollShadows\" x-init><div x-ref=\"scroller\" @scroll.passive=\"onScroll\" class=\"overflow-x-auto\"><table class=\"simple-table\"><caption class=\"sr-only\">Quick overview of the best credit cards for bad credit<\/caption><thead><tr><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Category<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>First year value<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Score<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Winner<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Card<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Learn more<\/span>\n                <\/span>\n            <\/th><\/tr><\/thead><tbody><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best Overall<\/th><td>$217<\/td><td>4.3<\/td><td>Neo Mastercard &#8211; Secured<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/6209e06d9c5f4c05c0de0111_card\" alt=\"Neo Mastercard - Secured\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_1\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/neo\/neo-secured-credit\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Best Low Fee<\/th><td>$0<\/td><td>3.7<\/td><td>Home Trust Secured Visa (no annual fee)<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f6b5fce6011f20b29a5daa9_card\" alt=\"Home Trust Secured Visa (no annual fee)\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_2\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/home-trust\/home-trust-secured-visa-no-annual-fee\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best Prepaid<\/th><td>$164<\/td><td>4.0<\/td><td>KOHO Prepaid Mastercard Essential<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" alt=\"KOHO Prepaid Mastercard Essential\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_3\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-essential-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Best Guaranteed Approval<\/th><td>$0<\/td><td>4.1<\/td><td>Guaranteed Secured Mastercard<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f4695424726ce7207266a72_card\" alt=\"Guaranteed Secured Mastercard\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_4\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/capital-one\/guaranteed-secured-mastercard\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_1\" class=\"sticky-cta-start sticky-toc-start bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>Overall<\/span> Secured Credit Card<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>Secured credit cards offer the most reliable way to rebuild credit in Canada.<\/p>\n<p>They require a refundable security deposit and report monthly to major credit bureaus, helping you establish a positive payment history while using a card that works just like a traditional credit card.<\/p>\n<p>This category highlights secured cards that provide strong value, fair fees, and an easy path toward long-term credit improvement.<\/p>\n<h3>Winner: Neo Secured Credit Card<\/h3>\n<p>The Neo Secured Mastercard helps Canadians build or rebuild credit with a low $50 minimum deposit and reporting to Equifax and TransUnion.<\/p>\n<p>It charges $7.99 per month (about $96 annually) and includes a modern app experience with spending insights, credit education, and partner cash-back offers.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Overall<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">Neo Mastercard &#8211; Secured<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/6209e06d9c5f4c05c0de0111_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Build credit with a low $50 minimum deposit and monthly reporting to both major credit bureaus. The Neo app provides spending insights and access to partner cash-back offers to support everyday financial habits.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$217<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-6209e06d9c5f4c05c0de0111')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$96<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-6209e06d9c5f4c05c0de0111')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $95.88<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"font-light\">(First year rebated)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>19.99% <span class=\"font-light\">on purchase<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: Between 19.99%-24.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on cash advance<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: Between 22.99%-25.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on balance transfer<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: Between 22.99%-25.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Accessible deposit, simple approval path, and useful app tools that support day-to-day credit building.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>New-to-credit and rebuilders who want an easy on-ramp with helpful app tools.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You want a secured card with no ongoing fee \/ Not available in Quebec.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Capital One Guaranteed Mastercard:<\/em> Slightly higher fees but broad acceptance.<\/li>\n<li><em>Home Trust Secured Visa:<\/em> $0 annual fee, higher $500 minimum deposit.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/neo\/neo-secured-credit\/\" class=\"whitespace-nowrap button-link-base button-link-outline \" >Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6209def30d1a89001d37ad93\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-6209e06d9c5f4c05c0de0111'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/6209e06d9c5f4c05c0de0111_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Neo Mastercard &#8211; Secured &#8211; Neo Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$217<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$25<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$217<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-6209e06d9c5f4c05c0de0111'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/6209e06d9c5f4c05c0de0111_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Neo Mastercard &#8211; Secured &#8211; Neo Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$192<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$95.88<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$96.12<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_2\" class=\" bg-white relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best Low-Fee Credit Card for Bad Credit<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>For those focused on minimizing costs while building credit, finding a card with low annual fees and transparent pricing is essential.<\/p>\n<p>Every dollar saved on fees is money that can go toward paying down your balance or building your emergency fund.<\/p>\n<h3>Winner: Home Trust Secured Visa<\/h3>\n<p>The Home Trust Secured Visa combines simplicity with affordability, offering a $0 annual fee and a minimum security deposit of $500, which becomes the card\u2019s credit limit.<\/p>\n<p>It\u2019s available to Canadians rebuilding their credit and reports monthly to both major credit bureaus.<\/p>\n<p>The card\u2019s 19.99% purchase rate is standard for secured products, and users can choose credit limits up to $10,000 depending on their deposit. Responsible payment history helps establish or restore good credit over time.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Low-Fee<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">Home Trust Secured Visa (no annual fee)<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f6b5fce6011f20b29a5daa9_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Improve credit with a $0 annual fee and a refundable security deposit that becomes your credit limit. Monthly reporting to both Equifax and TransUnion helps establish a positive payment history over time.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$0<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-5f6b5fce6011f20b29a5daa9')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$0<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-5f6b5fce6011f20b29a5daa9')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $0<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>19.99% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>19.99% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>No annual fee, wide availability, and bureau reporting make it the best long-term option for cost-conscious credit builders.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Canadians who want a straightforward secured card with no ongoing fees.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You prefer a lower interest rate or smaller minimum deposit.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Home Trust Secured Visa (Low Rate):<\/em> 14.90% interest with a $59 annual fee.<\/li>\n<li><em>Neo Secured Mastercard:<\/em> No annual fee, app-based insights, and $200 minimum deposit.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/home-trust\/home-trust-secured-visa-no-annual-fee\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/visa.hometrust.ca\/en\/Home\/Secured?referral=4021693\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-5f6b5fce6011f20b29a5daa9'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f6b5fce6011f20b29a5daa9_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Home Trust Secured Visa (no annual fee) &#8211; Home Trust<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-5f6b5fce6011f20b29a5daa9'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f6b5fce6011f20b29a5daa9_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Home Trust Secured Visa (no annual fee) &#8211; Home Trust<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_3\" class=\" bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>Prepaid<\/span> Card Alternative<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>While prepaid cards don\u2019t help build credit, they can serve as a stepping stone for those who can\u2019t qualify for secured credit cards or need to develop spending discipline before taking on credit responsibilities.<\/p>\n<h3>Winner: Koho Prepaid Mastercard<\/h3>\n<p>The Koho Prepaid Mastercard offers a credit-card-like experience with no credit check, instant approval, and full Mastercard acceptance. Users load funds via e-transfer or direct deposit and manage spending through Koho\u2019s mobile app, which includes real-time transaction tracking and budgeting tools.<\/p>\n<p>Koho also offers optional Credit Building plans that report to credit bureaus, providing a bridge between prepaid and secured credit.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Prepaid<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">KOHO Prepaid Mastercard Essential<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Use a reloadable prepaid card with instant approval, budgeting tools, and no credit check required. Optional credit-building features can help transition toward secured or unsecured credit products when you&#8217;re ready.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$164<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-637cf8206bbb7962c19ae225')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$144<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-637cf8206bbb7962c19ae225')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $48<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Easy approval, robust digital tools, and optional credit-building features make it the most practical prepaid alternative.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Canadians not yet ready for a secured card or looking to improve financial habits before using credit.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You specifically need bureau reporting from day one.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Stack Prepaid Mastercard:<\/em> No fees, travel perks, and budgeting features.<\/li>\n<li><em>Wealthsimple Cash Card:<\/em> Cashback and app integration for hybrid users.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-essential-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-637cf8206bbb7962c19ae225'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Essential &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$212<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$72<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$20<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$48<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$164<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-637cf8206bbb7962c19ae225'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Essential &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$192<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$72<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$48<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$144<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_4\" class=\" bg-white relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>Guaranteed Approval<\/span> Credit Card<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>Guaranteed approval cards provide an accessible starting point for Canadians with very low or limited credit scores.<\/p>\n<p>These secured cards require a small refundable deposit and approve nearly all applicants, making them ideal for beginning a fresh credit-building journey.<\/p>\n<p>This category focuses on cards with simple eligibility, reasonable costs, and reliable reporting to both major credit bureaus.<\/p>\n<h3>Winner: Capital One Guaranteed Secured Mastercard<\/h3>\n<p>The Capital One Guaranteed Secured Mastercard offers one of the easiest approval paths in Canada for those rebuilding or establishing credit. Approval is virtually guaranteed with a small security deposit starting at $75, which becomes your credit limit.<\/p>\n<p>The card charges no annual fee and carries a 19.8% purchase interest rate. It reports to both major credit bureaus, helping users build positive credit history through on-time payments.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Guaranteed Approval<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">Guaranteed Secured Mastercard<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f4695424726ce7207266a72_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Get easy approval with a low refundable deposit and no annual fee, making it accessible for Canadians rebuilding or establishing credit. Payment activity is reported to both major bureaus, helping you build a positive credit history with responsible use.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$0<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-5f4695424726ce7207266a72')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$0<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-5f4695424726ce7207266a72')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $59<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>19.8% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>21.9% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>19.8% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Guaranteed approval, low deposit, and no annual fee make it ideal for Canadians starting over or new to credit.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Individuals with limited or poor credit histories seeking guaranteed approval.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You already qualify for unsecured cards or want lower interest rates.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Neo Secured Mastercard:<\/em> Digital experience with no fees and app-based insights.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/capital-one\/guaranteed-secured-mastercard\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/www.capitalone.ca\/credit-cards\/guaranteed-secured-mastercard2\/?external_id=WWW_C0710_FGB_ARZ_FZ_CADSX_GENA_CC_Z_SEM&#038;ad_id=315124972027&#038;dev_id=c&#038;mtch=e&#038;keywd=capital%20one%20carte%20de%20cr%C3%A9dit&#038;gclid=EAIaIQobChMI-oaqkdC26wIVIueGCh2t2w1LEAAYASAAEgLOLvD_BwE&#038;filter=build\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-5f4695424726ce7207266a72'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f4695424726ce7207266a72_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Guaranteed Secured Mastercard &#8211; Capital One<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$59<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>-$59<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-5f4695424726ce7207266a72'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f4695424726ce7207266a72_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Guaranteed Secured Mastercard &#8211; Capital One<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$59<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>-$59<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section class=\" bg-surface-pink py-8 shadow-(--shadow)\">\n\t<div class=\"container-wide flex items-center gap-5\">\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-150x150.webp\" width=\"80\" height=\"80\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-300x300.webp 2x\" alt=\"Mathieu Laliberte-Robert\" class=\"avatar avatar-80 wp-user-avatar wp-user-avatar-80 alignnone photo rounded-full\" \/>\t\t<div class=\"flex flex-col gap-1 text-sm\">\n\t\t\t<span>Written by <strong>Mathieu Laliberte-Robert<\/strong><\/span>\n\t\t\t<span>Updated on <strong>April 8, 2026<\/strong><\/span>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_5\" class=\" section-p rounded\">\n\t<div class=\"container\">\n\t\t\t\t<header class=\"section-head-center\">\n\t\t\t<h2 class=\"capitalize tracking-[-2px] mb-20\"><span>Understanding<\/span> Credit Cards for Bad Credit in Canada<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"bg-surface-blue py-11 px-9 lg:p-20 rounded prose prose-primary max-w-[var(--section-head-w)] mx-auto\">\n\t\t\t<p>Secured credit cards dominate the landscape for Canadians with poor credit, and for good reason.<\/p>\n<p>These cards require you to provide a refundable security deposit that typically becomes your credit limit, reducing risk for the lender while giving you access to revolving credit.<\/p>\n<h3>How Secured Credit Cards Help Rebuild Credit in Canada<\/h3>\n<p>When you use a secured credit card responsibly, the card issuer reports your payment activity to both Equifax and TransUnion each month.<\/p>\n<p>This consistent reporting of positive payment history is crucial because payment history represents 35% of your credit score calculation.<\/p>\n<p>The process works because secured cards function exactly like traditional credit cards for everyday purchases.<\/p>\n<p>You\u2019ll receive monthly statements, make minimum payments, and can carry a balance (though it\u2019s best to pay in full).<\/p>\n<p>The key difference is that your security deposit protects the lender if you default.<\/p>\n<h3>Timeline Expectations for Credit Score Improvement<\/h3>\n<p>Most Canadians see initial credit score improvements within 3-6 months of responsible secured card use.<\/p>\n<p>The most significant gains typically occur between months 6-12, with improvements of 30-80 points being common for those who:<\/p>\n<ul>\n<li>Make all payments on time<\/li>\n<li>Keep credit utilization below 30% of available credit<\/li>\n<li>Avoid applying for multiple new credit accounts<\/li>\n<\/ul>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_6\" class=\" section-p\">\n\t<div class=\"container-wide bg-white section-p rounded\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Secured vs. Unsecured vs. Prepaid Cards <span>Comparison<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Understanding the differences between these three card types is crucial for making the right choice based on your specific credit situation and financial goals.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"px-5 sm:px-10 lg:px-20 xl:px-10 3xl:px-0 xl:max-w-[var(--container-default-2xl)] mx-auto\">\n\t\t\t<div x-data=\"horizontalScrollShadows\" x-init><div x-ref=\"scroller\" @scroll.passive=\"onScroll\" class=\"overflow-x-auto\"><table class=\"simple-table\"><thead><tr><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Category<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Secured Cards<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Unsecured Cards<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Prepaid Cards<\/span>\n                <\/span>\n            <\/th><\/tr><\/thead><tbody><tr class=\"bg-white\"><th scope=\"row\" class=\"font-regular\">Approval Requirements<\/th><td>Require refundable security deposit<\/td><td>No deposit required, but approvals are rare for bad credit.<\/td><td>No credit check required<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Credit Building<\/th><td>Reports monthly to Equifax &amp; TransUnion<\/td><td>Reports to bureaus, but approval for bad credit is rare<\/td><td>Does not build credit<\/td><\/tr><tr class=\"bg-white\"><th scope=\"row\" class=\"font-regular\">How It Works<\/th><td>Functions like a normal credit card<\/td><td>Traditional revolving credit<\/td><td>Must load funds before spending<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Costs<\/th><td>Interest on carried balances; fees vary<\/td><td>Higher interest and fees when available<\/td><td>No interest (you can\u2019t borrow)<\/td><\/tr><tr class=\"bg-white\"><th scope=\"row\" class=\"font-regular\">Spending &amp; Limits<\/th><td>Limit = your deposit<\/td><td>Low limits if approved<\/td><td>Spending depends on balance loaded<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Best For<\/th><td>Rebuilding credit<\/td><td>People who already have fair\/good credit<\/td><td>Budgeting and spending control<\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n\n<section id=\"anchor_7\" class=\" section-p rounded\">\n\t<div class=\"container\">\n\t\t\t\t<header class=\"section-head-center\">\n\t\t\t<h2 class=\"capitalize tracking-[-2px] mb-20\">How to Find the <span>Right<\/span> Credit Card for Bad Credit<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"bg-surface-blue py-11 px-9 lg:p-20 rounded prose prose-primary max-w-[var(--section-head-w)] mx-auto\">\n\t\t\t<p>Finding the right credit card when you have bad credit requires a systematic approach.<\/p>\n<p>Start by checking your credit score through one of the major credit bureaus like Equifax or TransUnion.<\/p>\n<p>Understanding exactly where you stand will help you target the right card options.<\/p>\n<h3>Step 1: Assess Your Credit Score Range<\/h3>\n<ul>\n<li><strong>Below 600:<\/strong> Focus primarily on <strong>secured credit cards<\/strong> that require a deposit and report to credit bureaus.<\/li>\n<li><strong>600-649:<\/strong> Consider both <strong>secured cards<\/strong> and select <strong>unsecured options<\/strong> designed for limited or poor credit.<\/li>\n<li><strong>650-699:<\/strong> You may qualify for <strong>traditional credit cards<\/strong> with higher fees or stricter approval requirements.<\/li>\n<\/ul>\n<h3>Step 2: Determine Your Card Type Preference<\/h3>\n<ul>\n<li><strong>Secured credit cards<\/strong> require a security deposit but offer the best potential for credit building.<\/li>\n<li><strong>Unsecured credit cards<\/strong> are less common for bad credit and often come with higher annual fees and lower limits.<\/li>\n<li><strong>Prepaid cards<\/strong> don\u2019t build credit but provide payment convenience and help with budgeting.<\/li>\n<\/ul>\n<h3>Step 3: Set Your Annual Fee Tolerance<\/h3>\n<p>Most credit cards for bad credit charge <strong>annual fees ranging from $29 to $59<\/strong>. Factor this into your budget when comparing options, since some cards provide better long-term value even with slightly higher fees.<\/p>\n<h3>Step 4: Identify Your Primary Goals<\/h3>\n<p>If your goal is credit rebuilding, prioritize cards that report to both major credit bureaus.<\/p>\n<p>If you need a card for everyday spending, look for reasonable interest rates and low maintenance costs.<\/p>\n<p>If your focus is building savings habits, choose cards that reward consistent, responsible use and timely payments.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_8\" class=\"  section-p overflow-hidden\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Factors<\/span> That Accelerate Credit Recovery<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Certain habits can help speed up your credit rebuilding progress and demonstrate consistent financial responsibility to lenders.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper('default', 'min-width:1024px')\" x-ref=\"container\">\n\t\t\t\t<div class=\"swiper-wrapper lg:!grid lg:grid-cols-3 lg:gap-8\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide !h-auto max-w-[365px] lg:max-w-none mr-2.5 lg:mr-6 last:mr-0 bg-surface-blue text-center rounded-sm p-8\">\n\t\t\t\t\t\t\t<span class=\"tag mb-11\">Managing Multiple Accounts Responsibly<\/span>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mb-6 lg:mb-12\">\n\t\t\t\t\t\t\t<div class=\"bg-white rounded-full flex items-center justify-center w-[190px] h-[190px] flex items-center justify-center mx-auto\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/trophy-dark.svg\" class=\"w-1\/2 h-auto object-contain\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t<div class=\"\"><p>Having more than one credit account can help diversify your credit profile, but only if each is managed carefully. Make all payments on time and avoid taking on more credit than you can comfortably handle.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide !h-auto max-w-[365px] lg:max-w-none mr-2.5 lg:mr-6 last:mr-0 bg-surface-blue text-center rounded-sm p-8\">\n\t\t\t\t\t\t\t<span class=\"tag mb-11\">Keeping Older Accounts Open<\/span>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mb-6 lg:mb-12\">\n\t\t\t\t\t\t\t<div class=\"bg-white rounded-full flex items-center justify-center w-[190px] h-[190px] flex items-center justify-center mx-auto\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/09\/calendar-dark.svg\" class=\"w-1\/2 h-auto object-contain\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t<div class=\"\"><p>Older accounts strengthen the length of your credit history, which is a key factor in credit scoring. Even if you no longer use a card regularly, keeping it open and active with small purchases can help maintain your score.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide !h-auto max-w-[365px] lg:max-w-none mr-2.5 lg:mr-6 last:mr-0 bg-surface-blue text-center rounded-sm p-8\">\n\t\t\t\t\t\t\t<span class=\"tag mb-11\">Reviewing Credit Reports Regularly<\/span>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mb-6 lg:mb-12\">\n\t\t\t\t\t\t\t<div class=\"bg-white rounded-full flex items-center justify-center w-[190px] h-[190px] flex items-center justify-center mx-auto\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/09\/paperwork-review-dark.svg\" class=\"w-1\/2 h-auto object-contain\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t<div class=\"\"><p>Check your credit reports at least once a year to catch errors or outdated information that could hurt your score. Dispute any inaccuracies promptly to ensure your report reflects your true credit behaviour.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide !h-auto max-w-[365px] lg:max-w-none mr-2.5 lg:mr-6 last:mr-0 bg-surface-blue text-center rounded-sm p-8\">\n\t\t\t\t\t\t\t<span class=\"tag mb-11\">Limiting Hard Inquiries<\/span>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mb-6 lg:mb-12\">\n\t\t\t\t\t\t\t<div class=\"bg-white rounded-full flex items-center justify-center w-[190px] h-[190px] flex items-center justify-center mx-auto\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/credit-score-dark.svg\" class=\"w-1\/2 h-auto object-contain\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t<div class=\"\"><p>Each credit application creates a hard inquiry, which can slightly lower your score. Apply for new credit only when necessary and space out applications to minimize the impact on your report.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide !h-auto max-w-[365px] lg:max-w-none mr-2.5 lg:mr-6 last:mr-0 bg-surface-blue text-center rounded-sm p-8\">\n\t\t\t\t\t\t\t<span class=\"tag mb-11\">Maintaining Stable Income and Employment<\/span>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"mb-6 lg:mb-12\">\n\t\t\t\t\t\t\t<div class=\"bg-white rounded-full flex items-center justify-center w-[190px] h-[190px] flex items-center justify-center mx-auto\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/business-suitcase-dark.svg\" class=\"w-1\/2 h-auto object-contain\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t<div class=\"\"><p>Lenders view consistent income and steady employment as signs of financial reliability. Maintaining job stability and a predictable income stream can improve your eligibility for better credit products over time.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"lg:hidden\">\n\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end mt-7 lg:mt-12\">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"anchor_9\" class=\" section-p\">\n\t<div class=\"container-wide section-p rounded xl:bg-surface-green\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Credit Building<\/span> Timeline and Score Improvement<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Rebuilding credit takes time, consistency, and awareness of how different factors affect your score. Setting realistic expectations helps you stay motivated and recognize progress at each stage of your credit journey.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ol class=\"bg-surface-green rounded p-7 py-12 lg:px-10 lg:py-14 xl:pb-0 grid lg:max-w-[var(--container-default-2xl)] lg:mx-auto lg:grid-cols-2 auto-rows-auto gap-x-20 gap-y-16 xl:gap-y-20 xl:gap-x-32\">\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">01<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Months 1-3: Foundation Building<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Secure approval for a secured credit card and begin using it responsibly. Focus on on-time payments, credit utilization management, and building a consistent pattern. Minimal score changes are expected at this stage.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">02<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Months 4-6: Early Improvements<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>You may see your <strong>first credit score increases (about 10-30 points)<\/strong> as payment history begins to take effect. Maintain low utilization and avoid new credit inquiries to strengthen your progress.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">03<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Months 7-12: Significant Growth<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Expect <strong>larger improvements (30-80 points)<\/strong> as your credit history lengthens. You may qualify for credit limit increases, further improving your utilization ratio and overall score.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">04<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Year 2 and Beyond: Graduation Opportunities<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Consistent, responsible use opens doors to unsecured cards, better interest rates, and expanded credit opportunities. By this point, lenders view you as a lower-risk borrower.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_10\" class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Frequently Asked Questions<\/span> about Credit Cards for Bad Credit in Canada<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([0])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">What credit score qualifies as \u201cbad credit\u201d in Canada?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>In Canada, credit scores below 600 are generally considered \u201cbad credit,\u201d with scores below 560 considered \u201cpoor credit.\u201d However, different lenders may have varying criteria. Most secured credit cards are designed for people with scores in the 300-600 range.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">How much deposit do I need for a secured credit card?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Most secured credit cards require a minimum security deposit of $200-$500, which typically becomes your credit limit. Some cards allow higher deposits (up to $5,000 or more) for larger credit limits. The deposit is refundable when you close the card in good standing.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">How long does it take to rebuild credit with a secured card?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>With responsible use, you can see initial credit score improvements within 3-6 months. More significant improvements typically occur between months 6-12, with gains of 30-80 points being common. Reaching \u201cfair\u201d credit status (above 660) often takes 12-18 months of consistent responsible use.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Can I get my deposit back from a secured credit card?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Yes, your security deposit is refundable when you close your secured credit card account in good standing (meaning no outstanding balance and no late payments). Some cards also return your deposit when you upgrade to an unsecured card.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(4)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Do secured cards report to both Equifax and TransUnion?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(4)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(4)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(4)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Most secured cards from major Canadian banks report to both Equifax and TransUnion, but you should verify this before applying. Reporting to both bureaus maximizes your credit building potential since different lenders may check different bureaus.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(5)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">What happens if I miss payments on a secured card?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(5)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(5)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(5)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Missing payments on a secured card affects your credit score just like any other credit card. Late payments are reported to credit bureaus and can damage your credit rebuilding progress. In extreme cases of non-payment, the issuer may use your security deposit to cover the debt.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(6)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">When can I upgrade from secured to unsecured credit card?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(6)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(6)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(6)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Most issuers offer upgrade opportunities after 12-24 months of responsible use, typically requiring perfect payment history and demonstrated credit score improvement. Some cards offer automatic graduation programs, while others require you to request an upgrade review.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n<section  class=\"section-p sticky-cta-start sticky-toc-end\">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Final <span>Thoughts<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Rebuilding credit takes patience, discipline, and the right tools. Secured credit cards are among the most effective ways for Canadians to rebuild their credit while maintaining everyday financial flexibility.<\/p>\n<p>By making on-time payments, keeping balances low, and reviewing your credit reports regularly, you can steadily improve your score and qualify for better financial opportunities.<\/p>\n<p>The journey from bad credit to good credit takes time, but consistent habits lead to lasting results.<\/p>\n<p>Choose a secured or low-fee card that fits your needs, use it responsibly, and you will move closer to financial recovery and long-term stability.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/?cc_ut%5B%5D=CREDIT_BUILDER\" class=\"whitespace-nowrap button-link-base button-link-filled mt-8\" target=\"_self\">Compare Credit Cards for Bad Credit<\/a>\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/11\/credit-cards-illustration.svg\" class=\"w-full h-auto max-w-[600px] mx-auto rounded-sm\" alt=\"credit-cards-illustration\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n<section class=\" section-p\">\n\t<div class=\"container-wide bg-surface-pink relative section-p px-5 sm:px-10 lg:px-20 rounded relative lg:flex items-start gap-20\">\n\t\t<div class=\"shrink-0\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-300x300.webp\" width=\"190\" height=\"190\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-768x768.webp 2x\" alt=\"Mathieu Laliberte-Robert\" class=\"avatar avatar-190 wp-user-avatar wp-user-avatar-190 alignnone photo rounded-full mb-7 lg:mb-0\" \/>\t\t<\/div>\n\t\t<div class=\"grow\">\n\t\t\t<div class=\"flex items-end justify-between mb-4 border-b pb-4\">\n\t\t\t\t<h6 class=\"leading-none text-2xl\">Mathieu Laliberte-Robert<\/h6>\n\n\t\t\t\t\t\t\t\t\t<div class=\"absolute lg:static top-16 right-6 items-end flex flex-col lg:flex-row gap-4\">\n\t\t\t\t\t\t<a href=\"mailto:info@plutera.ca\" class=\"whitespace-nowrap button-link-sm-base button-link-outline \" >Email<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"mt-8 2xl:flex items-start justify-between\">\n\t\t\t\t\t\t\t\t\t<p class=\"2xl:max-w-[800px]\">Mathieu is a finance and digital marketing professional with experience across banking, investment services, and financial product marketing. He previously worked with organizations such as National Bank, Manulife Securities, and Accenture. He is part of the leadership team at Hardbacon, where he contributes to editorial strategy and financial content aimed at helping Canadians make informed decisions.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" bg-white section-p overflow-hidden\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Insights<\/span> and Useful Articles<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Hardbacon makes managing your money easier by combining comprehensive financial tools, unbiased comparisons and personalized insights.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div x-data=\"tabs(0)\">\n\t\t\t<div class=\"flex flex-wrap justify-center gap-4 lg:gap-6 mb-20 lg:mb-24 borer-b border-primary-dark\">\n\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 0 )\" :class=\"isActive( 0 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Credit Cards<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 1 )\" :class=\"isActive( 1 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Banking<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 2 )\" :class=\"isActive( 2 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Budget<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 3 )\" :class=\"isActive( 3 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Financial planning<\/button>\t\t\t\t\t\t\t<\/div>\n\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(0)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/wealthsimple-cash-review-2021-go-or-no-go\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Wealthsimple prepaid card showed on an iPhone screen and besides is a pile of coins\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Wealthsimple Prepaid Mastercard: My Experience with Wealthsimple Chequing account                <\/h3>\n\n                                    <p class=\"excerpt\">Wealthsimple is a Canadian fintech known for its investment app. Today, it offers many other products. I&#8217;ve had a Wealthsimple account for several years and applied for the Wealthsimple prepaid Mastercard in August 2025. How does it compare with the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/koho-visa-vs-wealthsimple-cash\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"KOHO prepaird card on the left againts yellow background and Wealthsimple Cash card on the right against a blue background\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO Mastercard Versus Wealthsimple Cash: Which Prepaid Card Is Right for You?                <\/h3>\n\n                                    <p class=\"excerpt\">KOHO and Wealthsimple are some of the first names that come to mind when you think of prepaid cards in Canada. These two companies are often compared despite the fact that they are not similar. On the one hand, KOHO\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/black-card\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"black credit cards\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Best Black Credit Cards in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Black credit cards are the ultimate status symbol. Often rare and exclusive, they\u2019re designed for the rich and are considered prestigious. Plus, they come with some great perks including special discounts and premium benefits not available with a standard card.\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/easiest-credit-card-to-get-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1024x576.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Credit Cards\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1024x576.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-300x169.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-768x432.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1536x864.jpg 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-2048x1152.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Easiest Credit Cards to Get in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Qualifying for a new credit card can be tough. What are the easiest credit cards to get in Canada? Whether you have insufficient credit history or a poor credit score, it can be difficult to determine exactly which cards you\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/costco-credit-card\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"New CIBC Costco Credit Card\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The CIBC Costco Credit Card: Benefits and Alternatives                <\/h3>\n\n                                    <p class=\"excerpt\">The CIBC Costco credit card comes with great rewards and can reduce your bill if you shop at Costco often. But if you shop at several different locations, take the time to compare it to other store credit cards. Quick\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/credit-cards\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(1)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/easiest-bank-to-get-a-loan-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Logos of various banks and credit cards displayed together, representing financial institutions.\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Easiest Banks to Get a Loan From in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">If you have ever found yourself in need of a personal loan, you probably found that different banks have different criteria for being approved. When you are in a financial pinch, you want to know exactly which institution will approve\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/koho-vs-eq-bank\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"KOHO vs EQ Bank\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank-300x200.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO vs EQ Bank: Which One Takes the Crown?                <\/h3>\n\n                                    <p class=\"excerpt\">It\u2019s time to compare two of Canada\u2019s leading neobanks &#8211; KOHO vs EQ Bank. Loyalty is an excellent quality to have, except when it comes to your cash. Sticking to one of the Big Five without exploring other options is\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/best-bank-for-students-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Best Banks for Students in Canada\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 10 Best Banks for Students in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">The best bank for students in Canada shouldn\u2019t just give you a free account with unlimited transactions, it should reward you too. Why? Because people rarely change banks, even when there are better deals out there. That makes you a\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/koho-vs-neo-financial\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Koho vs Neo Financial\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO vs Neo Financial: Who Wins the Battle for Your Buck?                <\/h3>\n\n                                    <p class=\"excerpt\">Both KOHO and Neo are Canadian fintech startups that offer out-of-the-box digital banking services. These two platforms are becoming increasingly popular among millennials and younger Canadians because they provide an alternative to traditional banking with low or no fees, a\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/online-banks\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Online Banks\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 6 Best Online Banks in Canada for 2024                <\/h3>\n\n                                    <p class=\"excerpt\">Online banks are digital institutions that do not rely on physical branches. With lower operating costs than their brick-and-mortar counterparts, online banks are able to pass the savings on to us in the form of lower fees and higher interest\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/banking\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(2)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/tariffs-canada-what-costs-more\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-300x200.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Tariffs in Canada, explained: which ones actually raise your prices (and what to do)                <\/h3>\n\n                                    <p class=\"excerpt\">Prices are up, and every headline says &#8220;tariffs&#8221;. But two sets of tariffs are in the news, and only one of them can show up on a store shelf. This guide explains which one reaches your cart, how to tell\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/couponing-sites-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"canadian couponing\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 25 Best Canadian Coupon Sites and Apps in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Whether you need to or just like to save, there are countless canadian coupon sites and apps that offer the same thing: savings, points, coupons, or some combination of the three. In times like these, saving money is at the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/sell-gift-cards-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"a group of cards with flowers on them next to a green plant\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-768x513.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Websites to Sell Gift Cards in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Gee, thanks for the gift card. I mean, a gift card is a nice gift to receive but it may not always be the right one. There are many reasons why someone may wish to sell gift cards in Canada.\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/its-time-to-say-goodbye\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-300x300.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-150x150.png 150w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-768x768.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere.png 1079w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The End of a Chapter for Hardbacon                <\/h3>\n\n                                    <p class=\"excerpt\">It is with a heavy heart that I write my last post for Hardbacon. Indeed, all employees of Hardbacon (Bacon Financial Technologies Inc.) have been let go, and our operations are now suspended. The company will declare bankruptcy in the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/how-much-does-it-cost-to-support-a-future-figure-skating-athlete\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    How Much Does it Cost to Support a Future Figure Skating Athlete?                <\/h3>\n\n                                    <p class=\"excerpt\">With only 1 in 5 young people in Quebec considered active, the cost of recreational sports is one of the main factors holding them back. Having the support of their parents, on the other hand, acts as a propellant for\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/budget\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(3)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/free-canadian-tax-softwares\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"719\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Desk with tax forms and calculator for financial planning\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-300x211.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-768x540.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Free Canadian Tax Softwares                <\/h3>\n\n                                    <p class=\"excerpt\">For most people, doing their taxes is a thankless task. Fortunately, there are free tax software programs that make it easy to calculate and file your taxes online. We recommend that you choose a software that is easy to use,\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/best-tax-return-software-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 6 Best Tax Return Software in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">To file quickly, easily, and without a blinding migraine, choosing the best tax return software in Canada is crucial. Tax season is the most dreaded time of year, with many of us hoping to bypass the annual state of confusion\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/old-age-security\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Guide to old age security in 2023\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The New Guide to Old Age Security                <\/h3>\n\n                                    <p class=\"excerpt\">What is Old Age Security? Times are tough, especially when you stop working. Your income goes down while prices go up. Old Age Security (OAS), sometimes called Old Age Pension, is money you might receive from the government when you\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/cost-of-divorce-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"A man and woman standing face to face, displaying depression and anxiety between them\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    What Is the Cost of a Divorce in Canada?                <\/h3>\n\n                                    <p class=\"excerpt\">Going through a divorce can drain you emotionally and financially. By understanding the costs involved, you can decide what to fight for and what to do yourself. In Canada, divorce costs can vary from $1,000 to $25,000 and up, depending\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/staycation-tax-credit\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Ontario staycation tax credit\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Ontario Staycation Tax Credit: What You Need To Know in 2022                <\/h3>\n\n                                    <p class=\"excerpt\">If you are a resident of Ontario and are planning a short trip anytime soon, you may consider opting for a staycation in the province. At least you get to receive some money back from the Ontario government for enjoying\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/financial-planning\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n<section  class=\" bg-primary-dark section-p\">\n\t<div class=\"container-wide bg-white section-p  rounded py-16 pb-0 md:pb-16 relative overflow-hidden\">\n\t\t<div class=\"mb-20 xl:mb-0 px-6 md:px-12 lg:px-20 xl:max-w-[50%] 2xl:max-w-[45%]\">\n\t\t\t\t\t\t<header class=\"section-head mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Your Financial Journey Starts <span>Here<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Sign up for our newsletter and take control of your money, your way. Access exclusive tips, tools and personalized insights delivered straight to your inbox.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<div class=\"mt-18\" x-data=\"newsletterSubscribe\">\n\t\t\t\t<form x-show=\"!submitted\" class=\"max-w-[650px] mx-auto\" @submit.prevent=\"onSubmit\">\n\t\t\t\t\t<!-- Step 1 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 1\" x-cloak>\n\t\t\t\t\t\t<label for=\"newsletter-privince\" class=\"font-medium text-lg\">Select your province<\/label>\n\t\t\t\t\t\t<select x-model=\"province\" name=\"province\" id=\"newsletter-privince\" class=\"shadow-(--shadow) rounded-(--radius-2xl) h-[66px] bg-white px-6 focus:outline-none w-full\">\n\t\t\t\t\t\t\t<option value=\"\" disabled>Your province<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ab\">Alberta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"bc\">British Columbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"mb\">Manitoba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"nb\">New Brunswick<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ns\">Nova Scotia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"on\">Ontario<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"pe\">Prince Edward Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"qc\">Quebec<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"sk\">Saskatchewan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!-- Step 2 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 2\" x-cloak>\n\t\t\t\t\t\t<span class=\"font-medium text-lg\">What are you looking for?<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-wrap gap-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-SAVE_MONEY\" name=\"interests[]\" value=\"SAVE_MONEY\" class=\"sr-only 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name=\"interests[]\" value=\"INSURANCE\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-INSURANCE\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Insurance<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-HOMEOWNERSHIP\" name=\"interests[]\" value=\"HOMEOWNERSHIP\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-HOMEOWNERSHIP\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Homeownership<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" 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