pr travel card canada

Permanent Residence (PR) Card

Your pr card is a proof of your permanent residency in canada..

It can also act like a Photo ID and be used at a port of entry to prove your status as a Permanent Resident to enter Canada, when returning from abroad.

Table of Contents

What is a pr card, how long does it take to get your pr card delivered in canada, how long is your pr card valid for in canada, is my pr card a residence permit, what are the benefits of a pr card in canada, do you need a pr card to travel to canada what can i do if my pr card has expired while i am outside of canada, i am a new permanent resident of canada. do i need to apply for a permanent resident card, how do i renew or replace my pr card, how can i qualify for urgent processing of my pr card, what is a temporary travel document and how can it help me in the absence of a pr card, contact canadavisa and cohen immigration law for assistance.

This page covers information for newcomers on Canada’s Permanent Resident (PR) Card, including how to avail one as a newcomer to Canada, how to replace your card, what to do if your PR Card expires while you are out of Canada, and more.

A Permanent Resident Card (PR Card) is an identification document issued by Immigration, Refugees and Citizenship Canada (IRCC). It includes a person’s photo and proof of their PR status. Once a person is granted PR status, and completes an official landing in Canada, they can avail their PR Card. The card serves as a valid travel document when entering Canada, and is typically valid for five years, though in very rare cases it may only be valid for one year. It is advised that all permanent residents obtain their PR card to easily prove their legal status, as it was introduced in 2002 as an alternative to the use of printed immigration documents to do so.

You need a valid permanent resident (PR) card to prove you’re a permanent resident when you return to Canada from another country. Read on to find out what to do if your PR card expires while you are outside of Canada.

IRCC seeks to maintain a service standard of roughly one month (30 days) of processing time for new PR cards—though this can fluctuate depending on circumstances that may impact IRCC’s ability to process cards within that time frame.

Similarly, the department seeks to renew or replace lost PR cards within roughly two months (60 days). You can check the latest processing times for PR cards through IRCC’s online processing time tool .

As previously mentioned, most PR cards come with a validity of up to five years, however occasionally they may be given a validity of only one year. Importantly your PR status does not expire along with your PR Card—it is simply necessary to renew your card to continue to prove your valid PR status in Canada.

When your PR card expires you can no longer use it as a travel document, which can be especially impactful for those returning to Canada from abroad. PRs are advised to apply for a renewal of their PR card within six months of expiry.

Your PR card is not a PR permit in Canada. That is to say that the length and validity of your PR card doesn’t determine how long you will be a PR for in Canada. The document is only a proof of status identifier, it is not meant to describe the nature and length of your stay in the country.

However, there is one important way that PR cards can function like a PR permit—they are needed to enter Canada during international travel. Upon entering a Canadian international port of entry, or border, PRs will be required to show their PR Card to prove their status for valid entry before they are allowed to enter Canada again. Read on to find out what to do if you are outside of Canada when your PR card expires.

As the name suggest, Permanent Residence is supposed to be permanent. This is why PRs in Canada are afforded many of the same rights and privileges as Canadian citizens. Losing PR status is not an automatic process, and needs to be voluntarily done , even if you have not met the physical presence requirements that are needed to maintain your status and apply for Canadian citizenship.

The main benefit of getting your PR card is the ability to prove your status as a PR in Canada, and to travel to Canada from abroad without restriction or hinderance.

As a PR in Canada, you have the ability to:

• Live and work anywhere in Canada;
• Access universal healthcare and social services;
• Sponsor your family members to travel to, and even live in Canada;
• Access free education for your children;
• Transition to Canadian citizenship once eligibility requirements are met; and
• Access more expansive rights and freedoms in Canada than temporary residents.

You do need a PR card to travel back to Canada, as the card is used as an official status document in Canada.

If you are a permanent resident whose PR Card has expired while outside of Canada, you can apply to receive a Permanent Residence Travel Document (PRTD). A PRTD is an official temporary document that proves your PR status in Canada—it can be used (once) to provide proof to travel companies and border officials that you are able to travel to Canada as a PR in the absence of your PR card. This document is temporary, and largely exists for the sole purpose of aiding Canadian PRs whose PR Card has expired while they are abroad.

Importantly, if you do not have a valid PR card, nor a PRTD, and are planning to travel to Canada as a PR, you may be unable to board your flight, train, bus, boat (or other means of commercial travel) to Canada. 

For their first PR card (upon flying to and landing in Canada), new PRs will not need to apply to receive their document. After new PRs declare their address in Canada upon passing border customs (or updating IRCC’s address tool on their current address), they will be automatically mailed their first PR Card in roughly one month of landing.

• Download the application package available at IRCC’s website. This package has all the necessary forms that must be filled out. If you are applying to renew your PR Card, make sure to include your expired document with your application. A document checklist is also available so you reference all needed documents;
• Pay your application fees online—to complete this, you will need a PDF reader, a printer, valid email address, and a credit or debit card. Once you pay make sure to print your receipt and include it with your application; and
• Submit your application—once all necessary steps are completed, you will need to send your application to the Case Processing Center in Sydney, Nova Scotia. Note that there are two different addresses depending on whether you are sending your application by mail, or by courier.

Under certain circumstances IRCC will choose to expedite processing of a PR Card based on certain factors of the applicant’s situation. To qualify for urgent processing of your PR Card, you must be travelling within the next three months due to:

• A job opportunity;
• Your own serious illness;
• The death of a family member;
• Work related to your current job; and/or
• The serious illness of a family member.

Even if you qualify for urgent processing, IRCC cannot guarantee that they will be able to renew or replace your PR card in time.

As a general rule for travel to Canada, all commercial carriers require Canadian Permanent Residents to show their PR Card before boarding, in addition to the Canadian Border Service Agency (CBSA) requiring a status-proving document (like a PR Card) for all international travellers at any Canadian Port of Entry.

Canadian PRs, who are outside of Canada, and not in possession of a Canadian Permanent Resident Card, may apply at a Canadian Immigration Visa Office for a Travel Document that will enable them to be transported back to Canada by a commercial carrier.

Before issuing a Travel Document, the Canadian Immigration Visa Officer must be able to confirm, from the documents submitted, the identity of the applicant and that the applicant was once a Canadian Permanent Resident. In addition, the Canadian Immigration Visa Officer must be satisfied that the applicant has complied with the residency obligations of Canadian Permanent Residents.

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Any person wishing to enter Canada’s borders must possess a valid travel document. Canadian permanent residents are able to use their permanent resident card (PR card) in order to enter the country. However, if a permanent resident does not have a valid PR card and needs to enter Canada, they may be eligible to apply for a permanent resident travel document (PRTD).

Generally, PRTDs are valid for a single entry to Canada, allowing a permanent resident to enter the country before obtaining a new PR card. A permanent resident may only apply for a PR card from inside of Canada, so the PRTD is often necessary to facilitate entry to Canada. A person may apply for a permanent resident travel document if they meet the following criteria:

• They are a permanent resident of Canada;
• They do not have a valid PR card showing PR status;
• They are outside Canada, and;
• They will return to Canada by airplane, boat, train, or bus.

If a person meets the criteria for a PRTD, they can submit an application. Please note that upon submission of the application, a visa officer will review it to ensure it is complete and that the applicant has met their residency obligations. If the applicant has failed to meet their residency obligations, then their status as a permanent resident may fall into jeopardy. Please note that immigrants from countries requiring a visa to enter Canada who have received their confirmation of permanent residence (COPR) should be issued a travel visa with their COPR. This travel visa allows them to travel to a Canadian Port of Entry (POE) to enter Canada where they can begin the process of obtaining their PR card. It is not necessary for a newly confirmed permanent resident to obtain a PRTD, as the above-mentioned travel visa will be issued to those immigrants who require it.

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Can a Canadian Permanent Resident Travel to USA? Your Guide.

As a Canadian permanent resident, you may wonder if you can travel to the USA. The good news is that Canadian permanent residents are generally allowed to enter the United States for tourism, business, or other purposes. However, there are specific entry and exit requirements that you need to be aware of before planning your trip. Let’s explore the details.

Key Takeaways:

• Canadian permanent residents can travel to the USA for tourism, business, or other purposes.
• There are specific entry and exit requirements that need to be met.
• Visa requirements depend on the country of citizenship for Canadian permanent residents.
• The Department of Homeland Security and Customs and Border Protection have authority over entry into the USA.
• Consult the U.S. Embassy and Consulate websites for up-to-date information on traveling to the USA.

Risk Level and Safety and Security in the USA

When traveling to the United States, it is essential to consider the risk level, safety, and security measures in place. While most of the country is safe for travelers, it’s necessary to be aware of specific areas that may pose higher risks.

Risk Level in the United States

Along the border with Mexico, in states like Arizona, California, New Mexico, and Texas, criminal incidents related to drug trafficking may occur more frequently.

Travelers should exercise increased caution in these areas and use officially recognized border crossings when crossing the U.S.-Mexico border by car. It’s important to stay vigilant and follow local law enforcement guidance.

There may be instances of petty crime, such as pickpocketing, in urban centers and tourist locations. Travelers should be mindful of their belongings and take necessary precautions to protect their valuables.

Entry and Exit Requirements for Canadian Permanent Residents

As a Canadian permanent resident planning to travel to the United States, you must familiarize yourself with the entry and exit requirements. These requirements ensure a smooth and hassle-free travel experience. Here are the key details you need to know:

• Traveling by Air: When traveling by air, you must present a valid passport for the duration of your stay or a valid NEXUS card at self-serve kiosks. This applies to both entry and exit from the United States.
• Traveling by Land or Water: If you’re entering the United States by land or water, you may need a valid passport, a Trusted Traveler Program card, an enhanced driver’s license (EDL), or other approved travel documents. It’s essential to check the specific requirements based on your travel purpose and the duration of your stay.

In addition to these requirements, it’s always recommended to carry your Canadian permanent resident card or other proof of your status as a Canadian permanent resident when traveling to the United States.

Remember, having the necessary documentation and meeting the entry and exit requirements is essential for hassle-free travel as a Canadian permanent resident.

Visa Requirements for Canadian Permanent Residents

The visa requirements for Canadian permanent residents vary depending on their country of citizenship.

If you are a citizen of a country eligible for the Visa Waiver Program, you may be able to visit the U.S. for up to 90 days without a visa. However, if you are not eligible for the Visa Waiver Program or your stay in the U.S. exceeds 90 days, you must apply for a nonimmigrant visa.

The Visa Waiver Program lets people from certain countries visit the U.S. for tourism or business without a visa. To qualify, you need a valid e-passport and approval through ESTA.

This program provides convenience for Canadian permanent residents who meet the requirements and plan to visit the U.S. temporarily.

However, you must apply for a nonimmigrant visa if you are not eligible for the Visa Waiver Program or plan to stay in the U.S. for longer than 90 days.

The reason for your trip determines the visa you require, be it for work, study, or joining a family member. Review the criteria and application procedures for the particular nonimmigrant visa category that suits your situation.

Disclaimer: The table info is just a general guide. Visa rules can change, so check the exact requirements for your country and the reason for traveling.

Permanent Residents of Canada and the Visa Waiver Program

As a permanent resident of Canada, you may be eligible for the Visa Waiver Program (VWP) when traveling to the United States. The VWP allows individuals from participating countries to visit the U.S. for business or pleasure for up to 90 days without needing a visa.

To qualify for the VWP, you must be a citizen of a participating country, possess a valid e-Passport, and have obtained ESTA approval. This streamlined process makes it easier for Canadian permanent residents to travel to the United States.

When getting ready for your trip, bring evidence of your Permanent Resident Status in Canada for your return. This could be your permanent resident card or travel document.

Also, have all the essential travel documents, including your passport and any extra paperwork that U.S. Customs and Border Protection officers might ask for.

While the VWP allows for visa-free travel, it’s essential to remember that it has certain limitations. The 90-day period is not extendable, and you must leave the United States before your authorized stay ends.

If you plan to stay in the U.S. for longer than the allowed 90 days or for purposes other than those permitted under the VWP, you must apply for a nonimmigrant visa before your trip.

Participating Countries in the Visa Waiver Program

Visa Requirements for Canadian Permanent Residents from Specific Countries

If you’re a permanent resident of Canada originally from India, you need to request a U.S. Visitor Visa. This visa lets you travel to the United States for different reasons, such as tourism, business, medical treatment, or participating in conferences and workshops. Review the visa requirements based on your citizenship to ensure a hassle-free entry into the United States.

The U.S. Department of State’s official website provides comprehensive information on visa requirements and the application process, making it easier to understand the specific steps you need to take.

Remember to allow ample time for visa processing, as it can take several weeks or months, depending on your situation.

Table: Visa Requirements for Canadian Permanent Residents from Specific Countries

It’s important to note that visa requirements may change over time, so it’s always a good idea to check for any updates or changes before planning your trip.

To find out what you need for a visa, contact the U.S. embassy or consulate where you live. They’ll give you the most current info.

Additional Resources for Canadian Visitors to the United States

Here are some additional resources Canadian visitors can utilize to ensure a smooth and hassle-free trip to the United States.

U.S. Embassy and Consulate Websites in Canada

The U.S. Embassy and Consulate websites in Canada are excellent sources of information for Canadian visitors. These websites offer detailed guidance on visa requirements, entry procedures, and travel advisories.

You can also find contact information for the embassy or consulate nearest your location, allowing you to reach out for any specific queries or concerns.

U.S. Customs and Border Protection (CBP) Website

The U.S. CBP website provides comprehensive information on admissions, entry requirements, and restrictions.

This resource can help you understand the processes of entering the United States, including the required documents, customs procedures, and guidelines for bringing restricted items.

Canadian Government Travel Advisories

It’s always wise to stay informed about travel advisories issued by the Canadian government. These advisories provide essential updates on safety and security measures in various countries, including the United States.

Department of Homeland Security and Customs and Border Protection

Before traveling to the United States as a permanent resident of Canada, it’s essential to familiarize yourself with the Department of Homeland Security (DHS) and Customs and Border Protection (CBP). These organizations are crucial for safeguarding the security and safety of the United States at its borders and entry points.

The DHS is responsible for preventing terrorism, securing borders, enforcing immigration laws, safeguarding cyberspace, and managing disaster response efforts.

CBP, a branch within the DHS, focuses explicitly on regulating and facilitating international trade, collecting import duties, and enforcing U.S. regulations regarding immigration, customs, and agriculture.

As a Canadian permanent resident, you will come into contact with CBP officials when entering the United States at a port of entry.

These officials have the authority to permit or deny admission into the country, so it’s crucial to understand and comply with their requirements and procedures. Be prepared to present your valid passport, visa (if applicable), and other necessary travel documents, as requested by CBP.

In conclusion, as a Canadian permanent resident, your dream of traveling to the United States can become a reality. By understanding and complying with the entry and exit requirements and visa regulations (if applicable) and following the necessary procedures, you can have a smooth and enjoyable trip to the USA.

It is crucial to stay well-informed and prepared by keeping up-to-date with the latest travel information and resources. Consult Canada’s U.S. Embassy and Consulate websites for specific and up-to-date information on traveling to the United States.

Review the Department of Homeland Security and Customs and Border Protection (CBP) websites for essential details that may affect your entry into the country.

Remember, whether you’re going for business or pleasure, a successful journey to the USA as a Canadian permanent resident is within reach. Safe travels!

Can Canadian permanent residents travel to the USA?

Yes, Canadian permanent residents are generally allowed to enter the United States for tourism, business, or other purposes.

Is it safe to travel to the USA?

While the majority of the country is safe for travelers, there are some areas along the border with Mexico where criminal incidents related to drug trafficking are more common. It’s essential to remain vigilant and cautious of petty crime in urban centers and tourist locations.

What documents do Canadian permanent residents need to enter the USA?

When traveling by air, you must present a valid passport for your stay or a valid NEXUS card at self-serve kiosks. If you’re entering by land or water, you may need a valid passport, a Trusted Traveler Program card, an enhanced driver’s license (EDL), or other approved travel documents.

Do Canadian permanent residents need a visa to enter the USA?

It depends on your country of citizenship. If you are a citizen of a country eligible for the Visa Waiver Program, you may visit the U.S. for up to 90 days without a visa. If you are not eligible for the Visa Waiver Program or plan to visit the U.S. for over 90 days, you may need to apply for a nonimmigrant visa.

Are permanent residents of Canada eligible for the Visa Waiver Program?

Yes, permanent residents of Canada may be eligible for the Visa Waiver Program if they are citizens of a participating country, possess a valid e-Passport, and have obtained ESTA approval.

What are the visa requirements for Canadian permanent residents from specific countries?

The visa rules can differ based on your citizenship. For instance, if you’re a permanent resident of Canada originally from India, you’ll need to seek a U.S. Visitor Visa. Reviewing the visa requirements that apply specifically to your country of citizenship is crucial.

Are there additional resources available for Canadian visitors to the USA?

Yes, additional resources are available, including information on entering the country, business travel, visa exemptions, and more. It’s recommended to consult Canada’s U.S. Embassy and Consulate websites for specific and up-to-date information on traveling to the United States.

What are the entry requirements for citizens of Bermuda?

Citizens of Bermuda generally do not require a nonimmigrant visa for stays up to 180 days. However, there are specific travel purposes where a nonimmigrant visa is required. It’s crucial to review the visa requirements that apply to your trip, considering the purpose of your travel and how long you plan to stay.

What is the role of the Department of Homeland Security and Customs and Border Protection?

The Department of Homeland Security and Customs and Border Protection (CBP) officials have the authority to permit or deny admission to the United States at the port of entry. Reviewing the CBP website for information on admissions, entry requirements, and other vital details that may affect your entry into the United States is essential.

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If you travel between Canada and the United States often, a NEXUS card will save you time at the border

Permanent resident card

Permanent residents of Canada need a permanent resident card to re-enter Canada

Pre-boarding identification requirements

Information on the identification documents you need to bring to the airport

Travel documents for non-Canadians

Travel documents for convention refugees, protected persons or stateless persons living in Canada

Permits and certificates

Find out whether you need a visa for your destination and get it well in advance of your trip

Certificate of Canadian citizenship

A Canadian citizenship certificate is not a valid travel document

CITES permits

Information on permits to transport, import or export a listed wildlife species or items made from listed wildlife species

International Driving Permit

Your Canadian driver's licence may not be valid in your destination country

Travelling outside Canada with your vehicle

You may need a Carnet de Passages en Douane (CPD) to travel outside Canada with your vehicle.

International Certificate of Vaccination or Prophylaxis

Some countries may require you to show proof of vaccination  

Your pets need travel documents to enter another country

CANPASS - Private aircraft

CANPASS cards allow private aircraft to clear customs and immigration quickly and securely

More information

Consent letter for children travelling abroad.

A consent letter helps children travelling without both parents to enter foreign countries and re-enter Canada

Marriage outside Canada

Information on the legal issues involved in getting married abroad 

Notarial services

Information about getting notarial services while you are outside Canada

Travelling as a dual citizen

Information for Canadian dual citizens who are travelling to another country where they have citizenship

Travel insurance

Buy travel insurance before you travel outside Canada. Bring your insurance information with you. You may need to prove you have travel insurance to enter some countries

Mobile Passport Control app

Travellers can shorten the entry process to the U.S. by submitting their passport and customs declaration information through this app

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• Nov 15, 2020

Permanent Resident Travel Documents (PRTD)

Updated: Jan 5, 2021

What is a Permanent Resident Travel Document (PRTD) and how can it help me?

You need a valid permanent resident (PR) card to return to Canada by plane, train, bus or boat. If you know your card is going to expire when you’re travelling, you should renew it before you leave Canada because you can only renew your card in Canada. The Canadian government will not send PR cards to non-Canadian addresses and they also won't allow you to have your card sent to a third party such as our office.

If you’re outside Canada and don’t have a valid PR card, you will need to apply for a permanent resident travel document (PRTD) to return to Canada. You can only apply for a PRTD from outside Canada. If you try to return to Canada without a PR card or PRTD, you may not be able to take your flight, train, bus or boat to Canada .

Don't worry, if your card expires when you’re outside Canada, you still have your permanent resident (PR) status as long as you have met your residency obligation. For PR this is 2 years in every 5 years that you are a permanent resident of Canada, or 730 days in every 1825 days. For more information on residency obligation click here.

What happens if your PR card expires when you’re outside Canada? This will depend on how you plan to return to Canada.

Private vehicle.

There are  other documents you can use to re-enter the country.

When you return to Canada, apply for a PR card if you plan to travel outside Canada again.

Some examples of private vehicles include, but are not limited to: a car, truck, motorcycle, or recreational vehicle that you own, borrow, or rent. It is a vehicle not available for public use.

Commercial vehicle: airplane, bus, train, or boat

You must apply for a permanent resident travel document (PRTD). Otherwise you may not be able to travel to Canada.

You can  apply to replace your permanent resident (PR) card when you return to Canada or if you haven’t left yet. You may eligible for urgent processing .

Most PR cards are valid for five years, but some are only valid for one year. The expiry date is printed on the card. When your PR card expires, you can’t use it as a travel document. If your PR card will expire within six months, you should apply to renew your card . You need to be in Canada. If you’re re-entering Canada by commercial vehicle and have an expired PR card, get your PRTD to re-enter Canada.

Check our processing times to see how long you will have to wait to get your new card.

If you need a PR Travel Document or would like to discuss your particular situation, please contact us for an appointment .

Immigration Station Canada is a dedicated, professional Canadian Immigration firm practicing out of Northumberland County , just east of Toronto , in Canada . We serve clients from Kingston, Belleville, Brighton, Cobourg, Oshawa, the GTA, Guelph, Milton, Stratford and St. Catharines and around the world . Our Regulated Canadian Immigration Consultant, Anne C. McCaughey (Annie) is an experienced immigration services provider and a fifth generation Canadian who values the immigration process and the unique individuals who immigrate to Canada to become part of the fabric of this wonderful country. If you would like to submit a question to Ask Annie, use the link located at the top right of the page.

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We do work permits , study permits, visitor visas, Express Entry , spousal sponsorship, family class sponsorship, and Canadian citizenship with an expertise in Labour Market Impact Assessment (LMIA) applications and Global Talent Stream applications.

Please contact us if you would like assistance with your immigration application or to book an appointment.

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Canada Permanent Resident Travel Document-All You Need To Know

• 20 January 2023, 9:06 AM EST 20 January 2023, 9:06 AM EST
• PR (Permanent Residence)

Last Updated On 20 January 2023, 9:06 AM EST (Toronto Time)

Permanent residents outside Canada without valid PR cards need a permanent resident travel document (PRTD) to return to Canada. 

Moreover, a permanent resident travel card is generally valid for a single entry to Canada. 

If you are a Canadian permanent resident outside Canada needing a PRTD, you must apply for a new PR card as soon as you return to Canada. 

In this article, you can learn about permanent resident travel documents (PRTD).

Who is eligible for a permanent resident travel document? 

You can apply for a permanent resident travel document if want to return to Canada and you are:

• are a permanent resident,
• do not have a valid PR card showing your PR status,
• are  outside Canada , and
• will return to Canada by airplane, boat, train or bus.

How to apply for a permanent resident travel document? 

You can apply for a permanent resident travel document if you meet the eligibility criteria and residency obligation.

To apply, you must submit a complete application, including all required forms and supporting documents applicable to your country or territory. 

Moreover, you would also have to pay the non-refundable application fee of $50. 

Additionally, you must show in your application that you meet the requirements to remain a permanent resident. 

If you plan to apply with your family, each family member must submit a separate application for a permanent resident travel document with the correct fee.

This rule applies to all, regardless of their age. 

Canada PR Residency Obligation – Here Is How To Calculate!

Steps to apply for a permanent resident travel document

Step 1:  Use the IRCC tool to find your country-specific forms and document requirement for your application.

Step 2:  Once you have identified your country-specific documents, fill out the required forms. In general, you would fill out and submit the following forms.

• Form IMM 5444 – Application for a permanent resident card or permanent resident travel document 
• Form IMM 5644 – Document checklist 

The forms below are additional. Submit the forms below only if they apply to you. 

• If this applies to you, you and your representative must sign this form by hand 
• Form IMM 5475 – Authority to release personal information to a designated individual 

While filling out the form, remember to fill out each section. If something does not apply to you, either writer ‘N/A’ or ‘Not Applicable.’ Leaving sections blank may result in your application being returned or delayed. 

Step 4:  Once you have filled out all the forms, pay your application fee of $50. You must include your proof of payment receipt with your online or paper application. 

As mentioned, you have a separate application for each family member and pay the required application fees. 

Step 3:  Submit your supporting documents and application. Those applying online can submit all documents through the permanent resident portal. 

For full official IRCC guide to apply, click here.

Processing times for PRTD varies by country. Usually, it may take up to 6 to 8 weeks for processing of PRTD. However, it may take even longer than 8 weeks.

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What documents do I need to renew my PR card?

• Are you eligible for a PR card?

Can you start the application while outside Canada?

Can you apply for canadian citizenship, gathering primary and secondary documents.

If your PR card has or will soon expire, you will need to begin the renewal process . There are a number of documents that you will need to provide the IRCC whether you are applying for your first card, renewing an expired card or getting a replacement due to damage or loss. You may also go through the same application process if you want to change the sex designation on your PR card.

Canada PR renewal requirements – Are you eligible for a PR card?

Before you even begin the application process, find out if you are eligible for a permanent resident card. You are a candidate for a PR card if you are a permanent resident, physically present in Canada and you meet certain residency requirements. If you are under a removal order, you are not eligible for this card. Canadian citizens and those who are convicted for misusing a PR card cannot be issued with this card.

You can apply for a PR card while outside Canada but the immigration authorities will require you to return to Canada in order to receive it. If you are outside Canada and your card has expired, you can get a Permanent Resident Travel Document in order to enter Canada. Make sure you are meeting the residency requirement before you apply for a Travel Document because the application can be refused even if your PR card application has been approved.

When filling out forms to get a new PR card, make sure the documents required for PR card renewal are not missing or the copies are clear. The IRCC will return your application if this is the case. Primary documents required to process your PR card application include:

• A copy of a valid passport or travel document (either current or the one you had when applying to become a permanent resident)
• A copy of the certificate of identity or travel document that was issued by the Minister of Foreign Affairs of Canada
• Any identity document that was issued outside of Canada before returning to Canada
• A statutory declaration that attests the applicant’s identity and is either signed by a person who knew the applicant before coming to Canada or an official of an organization that represents people from the applicant’s country of nationality or previous residence

You may also be required to present any of the following secondary documents:

• A copy of the record landing or confirmation of permanent residence
• A copy of a valid provincial driver’s license , student ID card or photo-identity card
• A copy of a recent income tax assessment issued by the Canada Revenue Agency
• For applicants who are under the age of 18, a birth certificate is required

Free PR Card Renewal Assessment Form

Fill out our free PR Card Renewal Assessment form to see if we can help you right away.

Additional Articles About Permanent Resident Card

Applying For Travel Documents When PR Card is Expired Robert Santos September 26, 2022

What If I Don’t Meet The Residency Requirements When Renewing My PR Card? Matthew Jeffery September 26, 2022

Exceptions To The Residency Requirements When Renewing PR Card Matthew Jeffery September 26, 2022

Meeting The Requirements to Renew PR Card Matthew Jeffery September 26, 2022

How do I renew my permanent resident card? Matthew Jeffery January 19, 2017

How long will I have to wait before I receive my PR Card? Matthew Jeffery January 19, 2017

What happens if my permanent resident card expires while I am outside Canada? Matthew Jeffery January 19, 2017

Am I Still a Permanent Resident if My PR Card Expires? Matthew Jeffery January 16, 2017

What documents do I need to renew my PR card? Matthew Jeffery January 16, 2017

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Can I travel before I receive my Canadian PR Card?

Once an individual has applied for permanent residence (PR) and received a confirmation of permanent residence (COPR), they are still required to do a landing and receive a PR card to fully complete the process of becoming a confirmed permanent resident of Canada.

Discover if You Are Eligible for Canadian Immigration

Landings can be done in two ways. They can be part of a complete immigration to Canada—where a new PR and their dependents arrive in Canada ready to move to the country—or as “ soft landings ”, where new PRs simply land in Canada to complete the process of attaining their status and receive their first PR card.

In both cases (especially the latter), there may be instances where new PRs need to travel before they are able to attain their PR card. New permanent residents can travel before receiving their PR card, but the process is more complicated than simply returning to Canada. This article will cover what newcomers can do in such situations.

Note: the below information is also relevant to those who have an expired PR card. The Canadian government recommends renewing a PR card up to nine months before it expires.

What is a PR Card?

Before discussing best practices, it will be beneficial to clarify what a PR card is and how it functions.

A PR card is an identification document that is issued by Immigration, Refugees and Citizenship Canada (IRCC). It is used as a confirmation of status document in Canada and was instituted in 2002 as an alternative to printed identity documents.

Once a new permanent resident is approved for PR, they will receive a PR visa which allows them to travel to the country. PR visas allow permanent residents to travel to Canada, PR cards allow permanent residents to enter and reside freely in Canada, as confirmation of their PR status.

Note that the first time a new permanent resident arrives in Canada, they will not need their PR card; but instead their PR visa (if their passport is from a country that requires a visa to travel to Canada ), valid passport, confirmation of permanent residence (COPR/e-COPR), and valid medical test result .

New permanent residents will not need to apply for their first PR card , it will arrive by mail to the address they provide the border officer with at the port of entry, or within the 180 days required to report an address in Canada.

What to do if you need to travel before receiving your PR card

Importantly, it should be noted that the Canadian government will not ship PR cards to addresses outside of Canada. In addition, third parties are not allowed to accept a PR card on a new PRs behalf. For these reasons, a new permanent resident outside of Canada without a valid PR card must apply for a Permanent Residence Travel Document (PRTD).

A PRTD is a travel document (usually only valid for a single use) that permanent residents can use to re-enter Canada. Newcomers can use this document if:

• They are a permanent resident;
• They do not have a valid PR card showing their status;
• They are outside of Canada; and
• They will return to Canada by air, boat, bus, or train.

Notably, if a new permanent resident is returning to Canada via private vehicle, there are o ther acceptable documents that they can use to prove their identity and status .

How to apply for a PRTD

PRTDs can only be applied for outside of Canada. To apply for a PRTD, new permanent residents must collect the application package and fill out and gather all applicable forms and supporting documentation. There are associated fees to applying, which must be paid online .

Depending on where permanent residents are applying from, they may not be able to submit a paper application. In such cases, and if applicants choose to apply online, they must submit their application and all supporting documentation through the permanent residence portal . If applied for on paper, permanent residents must submit their application to the closest visa application centre (VAC) to them. Both the method of applying, and location applying from can influence how quickly one receives their PRTD.

After applying, permanent residents may also be required to attend an interview with a VAC agent before they receive a decision on their application. To learn more about steps after submitting your PRTD application, click here .

Other options

If new permanent residents are aware they need to travel urgently, but have some time in Canada before their departure, they may apply for urgent processing of their PR card.

Valid conditions for applying for this processing include the need to travel in the next three months due to:

• a job opportunity;
• your own serious illness;
• the death of a family member;
• work related to your current job; and/or
• the serious illness of a family member.

Importantly, even if a permanent resident is eligible for urgent processing of their PR card, they are still not guaranteed to receive their PR card in time. PR card applications cannot be processed in less than three weeks.

To check personalised waiting times, IRCC has created a tool which can be accessed here .

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While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Best Challenger Bank Credit Cards In Canada For August 2024

Published: Aug 30, 2024, 1:23pm

Fact Checked

Canada’s Big Six banks aren’t the only ones offering credit cards these days. So-called challenger banks—small, online-only institutions like KOHO, EQ Bank and PC Financial—also compete for consumers’ wallets. While challenger banks are usually much younger than their brick-and-mortar competitors, they claim to be far more digitally savvy and nimble with highly competitive offerings.

The following cards are typical of challenger bank cards. They tend to be a little more forgiving of cardholders with fair credit and low incomes than elite cards offered by major banks, but they don’t have the same breadth of perks. That said, challenger banks that partner with retailers tend to offer very deep rewards (in some cases, double-digit) cashback opportunities.

If you’re looking for your next credit card, and the Big Six aren’t appealing, you’ll find everything you need to know about Canada’s best challenger bank credit cards below:

Featured Partner Offers

Best Challenger Bank Credit Cards In Canada for August 2024

Koho essential mastercard, neo secured mastercard®, koho extra mastercard®, neo mastercard®, pc insiders™ world elite mastercard®, brim world elite mastercard, pc mastercard, triangle world elite mastercard, eq bank card, home trust secured visa card, summary: best challenger bank credit cards in canada for august 2024, methodology, best challenger bank credit cards in canada for august, neo secured mastercard®, koho extra mastercard, neo mastercard, pc insiders world elite mastercard, home trust secured visa, what are the challenger banks in canada, pros and cons of challenger bank credit cards, frequently asked questions (faqs).

• Best Credit Cards
• Best Travel Credit Cards
• Best Cash Back Credit Cards
• Best No Foreign Transaction Fee Credit Cards
• Best Airport Lounge Access Credit Cards
• Best Aeroplan Credit Cards
• Best Student Credit Cards
• Best Rewards Credit Cards

TD® Aeroplan® Visa Infinite* Card

On TD’s Website

Welcome Bonus

Up to $1,000 in value† including up to 40,000 Aeroplan points†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

American Express® Aeroplan®* Card

On American Express’s Secure Website

Up to 50,000 Aeroplan points

Regular APR

30% (charge card)

TD® Aeroplan® Visa Infinite Privilege* Card

Up to $2,700 in value† including up to 75,000 Aeroplan points†

30-day free trial to any KOHO subscription plans

$4* per month or $48 per year for an Essential Plan

It’s rare to find a credit card capable of both building your credit and delivering a whopping 50% cash back opportunity at select retailers. The Koho Essential Prepaid Mastercard does both.

• Low annual fee.
• No purchase interest.
• No credit check required.
• Earns up to 50% cash back from select KOHO partner merchants
• Get up to an extra 5% cash back when you shop at KOHO partners.
• Low reward earn rate.
• Must pay to earn more cash back.
• Credit building feature requires a $10 monthly fee.
• Set up recurring direct deposit of your paycheque or government benefits
• Ensure a total of $1,000 or more is deposited into your account each month
• Earn 1% cash back on groceries, eating & drinking, and transportation. Plus, up to 50% extra cashback from select merchants.
• Earn 5% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice.
• Choose from one of four exciting card colours. Receive both a physical and virtual card.
• Start adding funds and shopping online while you wait for your physical card to arrive in the mail. No need to budge from your couch to make online purchases. Just use your virtual card!
• Card Security – KOHO provides a different card number to help protect your physical card number when you’re shopping or booking services online
• Add your KOHO card to Apple, Samsung or Google Pay
• Automate your savings with Goals and RoundUps. Rounding up every purchase lets you stash away some savings, while Goals make it easier to save for whatever it is that makes you happy
• Lock in savings with Vault that keeps the funds you don’t want to spend separate from your spendable balance
• Create custom budgets and track your spending habits. Know where you’re at in real time with instant notifications every time you spend.
• Get $40 plus 30 days of free trial when you sign up for a new KOHO account with code: TRYKOHO”. Register for a new KOHO account with the code and make your first purchase within 30 days to get a $40 one-time bonus plus 30-day free trial for any KOHO Plan
• Get four months of KOHO Everything plus $20 towards your first purchase when you sign up for a new KOHO account with code: KOHOCARD” Register for a new KOHO account with the code and make your first purchase within 30 days to get a $20 one-time bonus. Load $50 for an extended four-month trial for KOHO Everything (valued at $19 per month).

Up to 15% cashback on first-time purchases

$5 per month

19.99% – 29.99% / 22.99% – 31.99%

A secured credit card with just a $50 deposit that also earns 4% cash back on gas and groceries, all for just $5 a month.

Learn more: Read our Neo Secured Credit Card Review

• 4% average earn rate
• Low $50 minimum security deposit
• No insurance coverage
• Only reports to TransUnion and Equifax
• Build credit history with on-time payments
• Guaranteed approval, no credit score needed to apply
• Up to 4% cashback on gas and grocery and up to 1% everywhere else
• Cashback rates climb higher when the Everyday account balance increases
• Earn up to $680 in annual cashback
• Get additional offers up to 15% cashback on Canada’s largest partner network
• Get up to $10k credit limit, instantly
• Reports to both Transunion® and Equifax
• Only $5 / Month

High gas and grocery spenders

$20 cash bonus

$84, or $9 per month

While the credit-building perk of KOHO Extra Prepaid Mastercard costs $9 per month, it boasts a decent cash-back rate and 5% interest on its entire balance.

• No spending caps for rewards.
• Good cash-back rate.
• No foreign exchange fees.
• Earn 5% interest on the entire balance
• Get 30% off credit building options of credit building, flexible credit building or both.
• Annual fee.
• No insurance perks to speak of.
• Must pay at least $7 a month to access credit building features.
• KOHO Cover overdraft protection eligibility is user dependent.
• Earn a $20 cash bonus when you sign up for a KOHO account and make your first purchase within 30 days of registration.
• Earn 1.5% cash back on groceries, bills and services and eating and drinking.
• Earn 0.25% cash back on all other purchases.
• Earn 5% interest on the entire balance.
• Instantly redeem cash back at any time for any amount through the KOHO app.
• International currency exchange rate of 0%.
• No Foreign transaction fees
• Get one free ATM withdrawal per month outside of Canada.
• Includes on-demand financial coaching and in-app credit score updates.
• 30% off credit building options, including credit building (a KOHO line of credit), flexible credit building (a secured line of credit that’s available by invitation only) or both.
• KOHO Cover gives you interest-free overdraft protection with no application, no late fees and no effect on your credit score, but eligibility depends on the user.

Everyday Spending

A card with 4% cashback on gas and groceries, an instant $10,000 credit limit, and a secured option to build credit—all for no annual fee ? Not bad at all.

Learn more: Read our Neo Standard Mastercard Review

• No annual fee
• Average of 4% unlimited cash back at Neo partners
• Does not offer built-in perks (subscription only)
• No physical branch locations
• Secured option: Get the same benefits without a credit score and build credit history

President’s Choice Banner Stores

300,000 PC Optimum points

21.99% / 22.97%

Cardholders earn more PC Optimum points than any other PC Financial card , plus seven cents on every litre of gas at Esso and Mobil. That’s not bad, even though the card doesn’t have many other features.

Learn more: Read our PC Insiders World Elite Mastercard Review

• Earn more Optimum points at Loblaw-owned stores and Shoppers Drug Mart
• Earn $0.07 per litre on gas at Esso and Mobil
• Built-in travel emergency medical insurance and car rental collision/loss damage waiver insurance
• Little benefit when spending at grocery stores , drug stores or gas stations outside the Loblaw umbrella
• $120 annual fee
• Not many extra perks or benefits
• Welcome bonus of 300,000 PC Optimum points when you spend $3,000 or more within the first four months of opening the account
• Earn 50 PC Optimum points per dollar at Shoppers Drug Mart stores, 40 PC Optimum points per dollar at Joe Fresh stores and at Loblaw-banner grocery stores and 10 PC Optimum points per dollar everywhere else
• Earn $0.07 per litre on gas at Esso and Mobil stations
• Get a complimentary PC Express Pass ($99.99 per year) that gives you free grocery delivery and pickup on eligible orders of $35 or more.
• Built-in $1 million travel emergency medical insurance for first 10 days of a trip for those under 65 years old
• Car rental collision/loss damage waiver insurance for up to 31 days
• Purchase assurance and extended warranty

$199 (waived for the first year)

If cardholders can stomach the $199 annual fee and minimum income requirement of $80,000 a year, they may find the extensive travel perks of the Brim World Elite Mastercard worthwhile.

• Annual fee is waived for the first year.
• Eight different types of travel insurance.
• Annual fee is higher than most rewards cards.
• There’s a spending cap of $25,000 on the 2 points per dollar earn rate.
• High annual income requirement ($80,000 for individuals or $150,000 for households).
• Earn 2 points per dollar spent on the first $25,000 in charges each year and 1 point per dollar spent thereafter.
• Based on average Canadian spending, Forbes Advisor estimates this card could earn $329.52 in rewards value per year, with the annual fee factored in.
• Brim Open Rewards program allows you to earn additional points at select retailers.
• Common carrier accident insurance of up to $150,000 per loss and a maximum of $500,000.
• Purchase security insurance for 90 days of up to $1,000 per occurrence.
• Out-of-province emergency travel medical insurance for 15 days for those under 65 and three days for those 65 and older of up to $5 million.
• Flight delay insurance of up to $500 per day and a maximum of $1,000 per occurrence for all insured persons.
• Baggage delay insurance of $500 for each insured person per occurrence with a maximum of $1,000 per occurrence.
• Lost or stolen baggage insurance of up to $1,000 for every insured person with a maximum of $2,000 for all insured persons.
• Hotel burglary insurance of up to $2,500 per occurrence.
• Car rental collision/loss damage insurance for a rental period of up to 48 days.
• Trip cancellation insurance of up to $2,000 for every insured person with a maximum of $5,000 per trip for all insured persons.
• Trip interruption insurance of up to $5,000 for each insured person up to a maximum of $25,000 for all insured persons.
• Mobile device insurance of up to $1,500 for loss, theft or damage.
• Extended warranty insurance doubles the manufacturer’s warranty up to one year with a maximum of $25,000 per cardholder.
• Event ticket protector insurance of up to $1,000.
• Free Lounge Key Membership, which gives you access to more than 1,200 airport lounges (a $32 USD ($42.83 CAD) fee applies per person for each visit).
• Free Wi-Fi at more than one million Boingo hotspots around the world.
• Flexible installment payment options of 12, 16, 20 or 24 months on purchases of $500 or more. However, a monthly processing fee of 0.475% of the purchase price is charged per month.

PC Optimum Points

The lack of an annual fee and income requirements on this Mastercard are great perks, but cardholders don’t receive many extra benefits beyond that.

Learn more: Read our PC Financial Mastercard Review

• Earn PC Optimum points at an accelerated rate when you spend at Loblaw-owned stores, including Shoppers Drug Mart
• No income requirements
• Little benefit compared to the other PC Financial credit cards when spending at Shoppers Drug Mart or Esso and Mobil
• Earn rate at Loblaw banner grocery stores is the same as the base rate
• No extra perks or benefits
• Welcome bonus of 20,000 PC Optimum points when you make your first purchase at a store that sells PC products or at an Esso or Mobil station
• Earn 10 PC Optimum points per dollar at Loblaw-banner grocery stores
• Earn 25 PC Optimum points per dollar at Shoppers Drug Mart
• Earn up to 30 PC Optimum points per litre at Esso and Mobil stations
• Earn 10 PC Optimum points per dollar on purchases everywhere else

Canadian Tire Shoppers

Not many cards offer zero-interest and zero-fee financing on purchases over $150 at select retailers. The Triangle World Elite Mastercard does, although it only applies at Canadian Tire.

• High cash back rewards at Canadian Tire
• Only grants cash-back rewards from specific store chains
• Only gives digital Canadian Tire Money as cash-back rewards
• Gives 4% back in Canadian Tire Money on qualifying pre-tax purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores
• Gives 3% Canadian Tire money on groceries up to $12,000 per year (does not include Walmart or Costco)
• Gives 0.5% per litre in Canadian Tire money at gas stations and on all other purchases
• Forbes Advisor estimates $327.64 in annual rewards value based on average Canadian spending
• Requires a minimum annual income of $80,000, or $150,000 in household income
• Extended warranty protection and return protection
• Roadside assistance with up to 250 km towing distance in Canada or the U.S.

The EQ Bank Card is a credit card with no fees, period— no foreign exchange fees , annual or even ATM fees. Unfortunately, you need an EQ Savings Account to take advantage of it.

• Withdraw money for free from any ATM in Canada.
• Every purchase is eligible for 0.5% cash back.
• No fees (including foreign exchange fees and annual fees)
• Not available in Quebec.
• The only way to load money on the card is with an EQ Savings Account.
• Free withdrawals from any ATM in Canada. If the ATM charges you a fee, EQ Bank will refund you within 10 business days.
• Earn 2.5% interest on your card balance right up until the moment you spend it.
• Earn 0.5% cash back (credited monthly) on all purchases made with your EQ Bank Card.
• No fees, including credit card surcharges, transaction fees, inactivity fees or foreign transaction fees.
• Accepted anywhere Mastercard is accepted — including up to 210 countries.
• No minimum balance required.
• You can carry  a maximum balance of up to $10,000.
• Take up to $500 out of an ATM every day.
• Spend up to $5,000 per day.
• Deposits are insured by the Canada Deposit Insurance Corporation (CDIC)

Frequent travellers

Cardholders don’t get any rewards or perks with the Home Trust Secured Visa Card , but they do get a no-frills credit card with no annual fee, a high approval rate and worldwide acceptance. Plus, an opportunity to build their credit back up when it’s in the tank.

• Below-average foreign exchange rate.
• Minimum deposit of $500 required.
• No rewards program or perks.
• Secured credit card, meaning a deposit is required in the event a cardholder is unable to pay off the card.
• Requires minimum deposit of $500. More money is required to open up a larger line of credit. The limit can be up to $10,000.
• International exchange rate of 2%.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With challenger bank cards, the scoring model used takes into account factors such as, but not limited to, cash back rates and categories, fees, welcome bonus, and other rewards and features. Keep in mind what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

This card is ideal for anyone who loves to shop at Neo’s various partner retailers and is looking for a prepaid credit card with the rewards features of a full-blown Mastercard.

Rewards: Earn 1% cash back on groceries, eating & drinking and transportation. Plus, up to 5% cash back from select retail partners.

Welcome Offer: 30-day free trial to any KOHO subscription plans

Annual Fee: $4* per month or $48 per year for an Essential Plan

Other Benefits and Drawbacks: KOHO is on the Mastercard network. So, even though it’s a prepaid credit card, it’s still widely accepted. That said, unless you use the credit building features, this card won’t help repair your credit score like a traditional credit card or secured credit card would. You must also pay to play, as credit-building features cost $10 per month.

If you’re looking for a secured credit card that can still earn you rewards on everyday spending, this card is for you.

Rewards: Earn up to 4% cash back on gas and grocery and up to 1% everywhere else

Welcome Offer: Up to 15% cashback on first-time purchases

Annual Fee: $5 per month

Other Benefits and Drawbacks: Unfortunately, the 4% amount you can earn on this card is limited to gas and groceries, but you are guaranteed a solid 1% back on all your other spending. Because it’s a secured card, it can help you improve your credit, too.

Anyone who wants to earn high interest on their total balance without any foreign transaction or everyday banking fees might find the KOHO Extra Prepaid Mastercard worthwhile.

Rewards: 1.5% cashback on groceries, eating out, and transportation. 5% cashback on select Neo partner merchants. Other purchase categories receive 0.25% cashback.

Welcome Offer: Receive a $40 one-time bonus, plus a free 30-day trial for any KOHO Plan, if you register for a new account and make your first purchase within 30 days. You can also get four months of the KOHO Everything plan, and $20 towards your first purchase when you sign up for a new KOHO account using the promo code “KOHOCARD”.

Annual Fee: $84

Other Benefits and Drawbacks: No foreign transaction fees or spending caps for rewards. Cardholders also get access to on-demand financial coaching courtesy of KOHO. One drawback of the KOHO Extra Prepaid Mastercard is that deposits are limited to $40,000, which may not be ideal for high spenders.

This card’s lack of an annual fee and secured option makes it ideal for anyone trying to rebuild their credit, and its flexible rewards options are a great bonus.

Rewards: Varies according to a cardholder’s Neo plan. Basic accounts give just 4% back on gas and groceries, and 1% back on all other purchases.

Welcome Offer: Up to 15% in cashback on first-time purchases.

Annual Fee: $0

Other Benefits and Drawbacks: If your Everyday balance at Neo increases, your earning rate follows suit. You also have access to a $10,000 credit limit instantly. And if your credit is poor, you can get access to a secured version of this card with all of the same features as the original.

If you love the PC Optimum network, the PC Insiders World Elite Mastercard delivers more value than any other card in PC Financial’s lineup.

Rewards: 50 PC Optimum points for every dollar spent at Shoppers Drug Mart stores, 40 PC Optimum points per $1 spent at Joe Fresh and Loblaw-banner grocery stores, and 10 PC Optimum points per dollar spent everywhere else. Cardholders also earn seven cents on every litre of gas they buy at Esso and Mobil gas stations.

Welcome Offer: Get 300,000 PC Optimum points for spending $3,000 or more within four months of receiving your card.

Annual Fee: $120

Other Benefits and Drawbacks: Cardholders get a free PC Express Pass ($99.99 a year) that offers free grocery delivery and pickup on all orders of $35 or more. They also get $1 million worth of travel emergency medical insurance for anyone under 65 for the first 10 days of a trip.

The Brim World Elite Mastercard is for anyone who enjoys a decent earning rate on various shopping categories.

Rewards: 2 points per $1 spent on the card, redeemable as cash after accumulating 100 points. The card provides this earnings ratio for up to $25,000 in spending per year, after which the earn rate is 1 point per dollar. Shopping at brands involved in the Brim Open Rewards loyalty program can earn cardholders three points per dollar.

Welcome Offer: None.

Annual Fee: $199 (waived for the first year)

Other Benefits and Drawbacks: For all of its benefits, the Brim World Elite Mastercard comes with a hefty income requirement: $80,000 a year for individuals or $150,000 a year for households. It also caps rewards at $25,000 per year for its 2 points-per-$1 earn rate.

If you love earning PC Optimum points without any annual fees, this card may be for you.

Rewards: Earn up to 45 PC Optimum points for every dollar spent at Shoppers Drug Mart and Pharmaprix stores, up to 30 for every dollar spent at Loblaw-banner and Joe Fresh stores, as well as 30 points on every litre you buy at Esso and Mobil gas stations. This card earns 10 PC Optimum points for every dollar spent on all other purchases.

Welcome Offer: 20,000 PC Optimum points when you make your first purchase at a store where PC products are sold, or at an Esso or Mobil gas station, within the first six months of receiving your card.

Other Benefits and Drawbacks: This card doesn’t earn the same rewards as higher-end PC Financial cards like the Insiders World Elite Mastercard listed above, but it’s also free to own and has no stringent income requirements.

This card is for anyone who loves Canadian Tire, especially if they regularly use the retailer’s financing options.

Rewards: 4% in Canadian Tire money on purchases from Canadian Tire and affiliated retailers, 3% in Canadian Tire money on groceries (except for Walmart and Costco), and 0.5% per litre of gas, as well as all other purchases.

Other Benefits and Drawbacks: One neat feature of the Triangle World Elite Mastercard is that cardholders don’t pay any interest or fees if they buy anything over $150 through Canadian Tire’s financing program. But this card comes at a cost: It requires a minimum of $80,000 a year in personal income or a household total of $150,000.

Hate fees? You won’t pay any with the EQ Bank Card, including on foreign currency purchases, transaction fees, and ATM withdrawals.

Rewards: 0.5% in cashback on all purchases. You also earn 2.5% in interest on your balance until you spend it.

Welcome Offer: None

Other Benefits and Drawbacks: Unfortunately, this card requires an EQ Bank Savings Account and limits daily spending to $5,000.

If you need a credit card but are having trouble getting one because of your poor credit score, you may appreciate the Home Trust Secured Visa’s high approval rates.

Rewards: None

Other Benefits and Drawbacks: This card offers flexible credit limit ranges, worldwide acceptance, and compatibility with digital wallets. Unfortunately, it doesn’t offer rewards.

Challenger banks in Canada include KOHO, Neo Financial, PC Financial, Home Trust, Wealthsimple, Motusbank, Tangerine, and EQ Bank. The term ‘challenger bank’ refers to financial institutions with bank charters (like EQ Bank) and those without (like KOHO). Confusingly, it can also refer to institutions like Tangerine, which is owned by one of Canada’s biggest traditional banks.

Challenger banks grew as alternatives to the offerings of traditional banks like TD, Scotiabank, and RBC. Many of their cards are relatively easy to qualify for, with some neat perks, but typically don’t have the institutional heft of Big Six financial products.

• Low credit score range
• Few, if any, income restrictions
• Typically, low annual fees
• Poor welcome offerings
• Rewards are often retailer-specific
• Few travel or insurance perks

What is a challenger bank?

A challenger bank refers to financial institutions seen as alternatives to Canada’s Big Six banks, which include Scotiabank, TD, RBC, BMO, CIBC, and National Bank of Canada. These banks tend to be standalone financial institutions, although a few, such as Tangerine, are independently owned subsidiaries of the Big Six.

What challenger bank has the best credit card?

According to Forbes Advisor Canada’s methodology, KOHO has the best credit card out of Canada’s challenger banks. However, every cardholder’s needs and financial situation differ, and you should always research any financial products before applying.

Why should you apply for a credit card from a challenger bank?

If you struggle to qualify for decent credit cards at Big Six banks, a challenger bank may be right for you. They can’t rely on the customer bases of banks like RBC, which boasts 17 million clients worldwide, so challenger banks must be as enticing as possible to grow.

What does a challenger bank have in their credit cards that mainstream credit card issuers do not?

Challenger banks vary widely, but many challenger bank credit cards boast brand-specific bonuses that can be substantially higher than general rewards programs. For example, some of the retailers in KOHO’s network offer a 50% cash-back reward.

What is the most unique feature of a challenger bank credit card?

The Triangle World Elite Mastercard, offered by Canadian Tire Bank, gives cardholders access to zero-interest and zero-fee financing on Canadian Tire purchases over $150.

Brennan Doherty is a Toronto-based writer. His work appears in the Toronto Star, TVO, VICE World News, Strategy Online, MoneySense, and Maisonneuve Magazine.

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How do I renew my permanent resident card?

If your permanent resident (PR) card is expired or will expire in less than 9 months, you can apply for a new card. The new card will have a new expiration date. Most new PR cards are valid for 5 years.

To be eligible for a PR card, you need to

• be a permanent resident and
• submit your application in Canada

Find out how to submit a PR card application .

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Eligible U.S. citizens can now renew their passports online. We're conducting a beta release of an online passport renewal system. 

If you are unable to start your application because we have reached the daily limit, try again another day. If you do not want to wait or do not qualify to renew online, you may also renew by mail .

This beta release during which we are limiting the daily applications is an important and standard part of the software development process. We appreciate your patience while we test our system and prepare for a full launch of the updated online passport renewal system. 

Follow these steps to renew your passport online and track your status:

Confirm you meet the requirements

• Create your account 

Start your application

• Enter your most recent passport info

Enter travel plans

• Upload digital photo

Sign and pay

Enroll in email updates.

You can renew online if you meet all these requirements:

• The passport you are renewing is or was valid for 10 years, and you are age 25 or older. 
• The passport you are renewing was issued between 2009 and 2015, or over 9 years but less than 15 years from the date you plan to submit your application. 
• You are not changing your name, gender, date of birth, or place of birth.
• You are not traveling internationally for at least 8 weeks from the date you will submit your application. We will only offer routine service during this beta release, and the time it takes to get a passport will be the same as renewing by mail. 
• You are applying for a regular (tourist) passport. You cannot renew a special issuance (diplomatic, official, service) passport online.
• You live in the United States (either state or territory). You do not qualify to renew online if you live in a foreign country or have an Army Post Office (APO) or Fleet Post Office (FPO) address.
• You have your passport with you, and it is not damaged or mutilated, and you have not previously reported it as lost or stolen. Keep your most recent passport and do not mail it to us. 
• You can pay for your passport using a credit or debit card.
• You can upload a digital passport photo.
• You are aware that the passport you are renewing will be canceled after you submit your application and you cannot use it for international travel.

If you do not qualify to renew online, you may be able to renew by mail or in person at a passport agency or center .

Create your account

Click the Sign In button on the MyTravelGov homepage. Clicking the button will take you to Login.gov where you can sign in as an existing customer or create a new account.   

Watch a video  explaining how to create an account.

Find answers to frequently asked questions about the process of creating an account.  

After creating your account, click on the "Renew Your Passport" button on the home page to start your application.  

You can save your application and finish it at a later date. You have 30 days to complete your application after you start it. If you do not complete your application in 30 days, you will need to start over. 

Enter info about your most recent passport

At this stage of the application, we check the passport(s) you are renewing against our records to see if you can renew online. 

• Enter your information as it was printed on the passport you are renewing. 
• Try again if you believe you should be eligible to renew online. We may be experiencing temporary, technical issues with our system.
• If you are not eligible to renew online, the application will give you a list of reasons. Double check your information before re-entering it.

Validity of Most Recent Passport : Make sure your most recent passport was valid for 10 years. The passport must be expiring within one year or have been expired less than five years.  

Your Name : Double check the spelling, capitalization, hyphens, and spacing between letters in your name and compare them to your most recent passport. 

• If last name is spelled "McDonald" but printed as "Mc Donald," (with a space), make sure you enter your name as "Mc Donald"(with the space included) on the application. 
• If your last name is spelled “Smith-Jenkins“ (with a hyphen) and printed in your most recent passport with the hyphen, try entering your name as “Smith Jenkins” (without a hyphen) or "SmithJenkins" (with no space). We will add the hyphen to your name when we review your application. 

Passport Book, Passport Card, or Both Documents : You can renew passport books and passport cards online. If you want to renew a passport book but not a passport card, leave the card section blank on the application. If you want to renew a passport card but not a passport book, leave the book section blank.

The following chart explains what documents you can renew online:

Watch this video to learn how to enter info about your passport

If you are traveling internationally in less than 8 weeks, you cannot renew online because we are only offering routine service .

• Routine times do not include mailing times.
• Routine times are the same for customers who renew online and renew by mail. 

Need your passport in 3-8 weeks? Get expedited service and renew by mail .

Need your passport in less than 3 weeks? Make an appointment to renew in person at a passport agency or center.

Upload a digital photo

You will need to upload an original, digital photo in .JPEG file format. This process is different than renewing by mail when you staple a paper photo to your physical application. 

• Go to our  Uploading a Digital Photo page  to see photo examples and requirements.
• Have someone else take your photo. No selfies.
• Do not scan a photo, or take a photo of an already printed photo.

Watch this video to learn how to upload a digital photo

Paying for your Passport

To complete your application, you must  pay all passport fees . Click the “Sign and Pay” button which will take you to another secure website - pay.gov – where you will pay your passport fees.  

Use your credit or debit card so we can process your payment quickly. You can also use an ACH, or Automated Clearing House payment, to transfer funds from your bank account. Processing an ACH payment may take longer than a credit or debit card.

Confirming Payment

We will send you emails about the status of your payment.

The first email will notify you that your payment is pending. The second email will confirm we processed your payment, which may take up to 3 days. If we are unable to process your payment, you will receive an email asking you to login to your account and pay again.  

Double check your spam or junk folder if you do not see the emails in your inbox. 

Keep Your Most Recent Passport

When you complete your application, you will need the passport you are renewing on hand. Keep your most recent passport. Do not mail it to us, or try to use it to travel since we will cancel it. 

Watch this video to learn how to pay online

We will send you two emails right after you pay for your passport: one will confirm your payment is pending, and one will confirm we received your payment.

One week after you apply, go to our Online Passport Status System to enroll in more email updates about the status of your application. We will notify you when your application is in process, approved, and when we send your passport. We will also notify you if we need more information to process your application. 

Our Application Status page includes details about what each status message means. 

Watch this video to learn what to do after you apply

How to get support

Request faster service or change your mailing address.

If your travel plans change, you may request expedite service for an additional $60, or 1-2 delivery of your completed passport book for an additional $21.36. One-to-two day delivery is not available for passport cards. We only send cards via First Class Mail.

If you are changing your mailing address, please note your new address must be in the United States (either state or territory). You cannot use an Army Post Office (APO) or Fleet Post Office (FPO) address.

Call the National Passport Information Center at  1-877-487-2778  . Provide your application number, or your last name and date of birth.

After you contact us, you won’t see any changes to your application in your MyTravelGov account.

Respond to a request for more information

Follow the instructions in the letter or email. You must respond within 90 days of the date on the letter or email. Our  Respond to a Letter or Email webpage  has tips and reminders on how to respond. 

Contacting us if you need help

There are two different paths for support:  

Technical Support for your Account : Contact the Login.gov team if you need help changing your password, verifying your account, or changing your account information.  

Customer Support for your Passport Application : Contact us at 1-877-487-2778 if you have an issue completing your passport application, or you want to upgrade to expedited service, 1-2 day delivery, or change your mailing address. 

Processing Times for Renewing Online

Routine:  6-8 weeks*

Expedited: We do not offer this service if you are renewing online. Mail us your application and supporting documents. 

Urgent Travel:  We do not offer this service if you are renewing online. Make an appointment at a passport agency or center.

*Mailing times are not included in  processing times . Processing times only include the time your application is at one of our passport agencies or centers. The total time to get your passport includes both processing and mailing times. 

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Understand permanent resident status

Permanent residents (PRs) of Canada must carry and present their valid PR card or permanent resident travel document (PRTD) when boarding a flight to Canada, or travelling to Canada on any other commercial carrier. If you do not carry your PR card or PRTD, you may not be able to board your flight, train, bus or boat to Canada.

It is your responsibility to ensure that your PR card is still valid when you return from travel outside Canada, and to apply for a new PR card when your current card expires. If your PR card expires, it does not mean you have lost permanent resident status.

A permanent resident (PR) is someone who has been given PR status by immigrating to Canada , but is not a Canadian citizen . PRs are usually citizens of other countries, while some may be stateless persons.

When refugees resettle in Canada from overseas , they become PRs through the Government-Assisted Refugee Program or the Private Sponsorship of Refugees Program .

If you make a refugee claim in Canada, you don’t become a PR immediately. To become one, the Immigration and Refugee Board must first approve your claim. Then, you must apply for and obtain PR status.

You’re not a PR if you’re only in Canada for a short time (for example, as a student or foreign worker).

The permanent resident (PR) card

Your PR card proves that you have PR status in Canada. If you travel outside Canada and return on a commercial vehicle (like an airplane, boat, train or bus), you must show

• your PR card and
• your passport or refugee travel document

If you’re traveling outside Canada without a valid PR card with you, apply for a permanent resident travel document (PRTD) before returning to Canada by commercial vehicle.

If your PR card was lost, stolen or damaged , apply for a replacement PR card .

How to properly dispose of your expired PR card

Destroy your old PR card by cutting it in half before disposing of it so you protect your information and privacy.

What permanent residents can do

As a PR, you

• get most social benefits that Canadian citizens receive, including a social insurance number to work in Canada, and health care coverage (check your provincial website for more information)
• can live, work or study anywhere in Canada
• can apply for Canadian citizenship
• get protection under Canadian law and the Canadian Charter of Rights and Freedoms
• must pay taxes and respect all Canadian laws at the federal, provincial and municipal levels

What permanent residents cannot do

You’re not allowed to

• vote or run for political office or
• hold some jobs that need a high-level security clearance

Time lived in Canada

To keep your PR status, you must have been in Canada for at least 730 days during the last five years. These 730 days don’t need to be continuous. Some of your time outside Canada may count towards the 730 days you need.

• Find out if your time outside Canada counts toward your 730 days .
• Track your time in Canada with our travel journal .

Losing your permanent resident status

You won’t lose your PR status when your PR card expires.

You will only lose your PR status if

• an officer determines you are no longer a PR after an inquiry or PRTD appeal following a refusal
• you voluntarily renounce your PR status
• a removal order made against you comes into force
• you become a Canadian citizen

Even if you don't meet the residency obligation, you will stay a PR until an official decision is made on your status.

Learn how to avoid travel delays if you are not sure of your status .

Voluntarily giving up (renouncing) permanent resident status

We won’t change your PR status automatically and we’ll always inform you of the change.

In some cases, you may decide you don’t want to be a PR of Canada anymore. For example, you may want to renounce your PR status in the following situations:

• You have not met your residency obligations by being outside of Canada for a long period of time.
• You plan to visit Canada and want to avoid the processing delays from a formal assessment of your PR status when you arrive.

In these cases, you may not be able to enter Canada until your PR status is resolved either by applying for a PRTD or by voluntarily giving up (renouncing) your PR status.

Find out how to voluntarily renounce your permanent resident status .

Related links

• Becoming a Canadian citizen
• Permanent resident card
• Permanent resident status on humanitarian and compassionate grounds

Access museums, parks and other cultural sites across Canada

The Canoo app provides access to many cultural sites and events across Canada. As a new permanent resident, you can get a free 1-year membership.

Travelling abroad

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