Pay differently……
And better!

We know life doesn’t always follow a straight line. That’s why TWIST is designed to adapt to you.

Whether you’re facing challenges or just looking to get more out of your spending, we’re here to help you move forward.

It’s not just another card; it’s one that’s built around your reality, not the other way around.

See the cards
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What our users think about TWIST

Our Commitment

Giving you back the power to choose how, when, and where you use your money.

Because personal finance should be personal.
TWIST: Simple. Flexible. For real.

Simple.

Enjoy your new card in just a few clicks & get approved without a credit check.

Flexible.

Online purchases, cash advances, or fund transfers.

TWIST gives you more.

For real

Easily accessible, human & personalized support.

Thoughtful benefits for your priorities

A new way to pay that’s easily accessible and designed for you.

With TWIST, you get more than just a card:

We put the power back in your hands to choose how, when, and where you use your money.
Because we truly listen to your needs.

Instant virtual card
No stressful credit checks
Most income sources are eligible
No complex banking processes
Works with partner merchants
Easily reachable human support
Fast, secure payments
Accessible even with a challenging credit history
TWIST is more than a card — it’s a new way to approach your finances, with flexibility, trust, and clarity.

Payment and Data Security:
Our Top Priority

Security, with no compromises.

Advanced security technologies protect every transaction. Your information always stays confidential and secure.

Security First

At TWIST, security isn’t optional. It’s built into every level of our card and platform to give you total peace of mind with every transaction.

Enhanced Secure Access

Your account is protected with a strong password and two-factor authentication (2FA), adding an extra layer of security.

100% Mobile Card

With TWIST, there’s no need to carry a physical card; everything is on your phone. That means fewer risks of loss or theft, and more control at your fingertips, wherever you are.

Human, Even Online

A fully digital experience, backed by a real human team. Our customer support is easy to reach by chat, phone, or email, and we are always here to listen and help.

This isn’t just a credit card. It’s a card you can trust.
Less stress, more TWIST

Recharge your power

Discover TWIST

Truly accessible cards.

Find the one that best suits your needs & use it your way.

Online purchases within our Canadian network
Instant balance transfer
Unique fast cash advance process
Simple, quick, no credit check: the freedom to choose and spend is yours.

The only credit card issuer in Canada WITH NO CREDIT CHECK 2

Overview of Key Benefits

Privileges designed for your daily life. Each TWIST card gives you access to real, useful, and instant benefits without the hassle of traditional cards.

Cash Back

Earn a percentage back on your online purchases. Every purchase counts.4

Loyalty Program

Collect points and redeem them for exclusive rewards and privileges.3

Travel Benefits

Travel with peace of mind thanks to privileges designed for your journeys.5

Roadside Assistance

Quick help when you encounter trouble on the road.6

Cash Advance

Access your money when you need it.1

No Credit Check

No review of your credit file: get your card without stress or judgment.2

Compare the cards

Get approved and receive your card the same day!

Twist Essentia

Purchase Interest Rate

19,95% (1)

Cash Advance Interest Rate

21,95% (1)

Requirements

Be a Canadian resident
Be 18 years of age or older
Have a monthly income of $1,500 or more
Not be bankrupt or under a consumer proposal

Cash Back

2%(4)

Annual Fees

Applicable See fees

Learn More

Twist Viva

Purchase Interest Rate

19,95% (1)

Cash Advance Interest Rate

21,95% (1)

Requirements

Be a Canadian resident
Be 18 years of age or older
Have a monthly income of $1,500 or more
Not be bankrupt or under a consumer proposal

Cash Back

3%(4)

Annual Fees

Applicable See fees

Learn More

Twist Nova

Purchase Interest Rate

19,95% (1)

Cash Advance Interest Rate

21,95% (1)

Requirements

Be a Canadian resident
Be 18 years of age or older
Have a monthly income of $1,500 or more
Not be bankrupt or under a consumer proposal

Cash Back

3%(4)

Annual Fees

Applicables  See fees

Learn More

Discover all our cards

Why Cash Back?

Use your card and get rewarded
A reason
to trust us
Easy
to Use
Real-time access to your earnings
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Is a low credit score holding you back due to past issues?

It doesn’t matter to us.

What truly matters is where you’re headed.

Apply now

Explore the
TWIST Space

Check your rewards, manage your card, payments, and finances with ease, all in one place. Available in your TWIST space.

Get TWIST

Benefit from a growing network outside of traditional platforms.

Enjoy expanded access to a network of partner merchants without going through conventional channels.
TWIST opens the door to a new way to consume, more flexible, more direct.

Learn more

A card already accepted, with a growing network of merchants

The TWIST card is already accepted by many selected partner merchants, and our network is expanding every week.

We are actively working to establish partnerships with local and national retailers so you can use your card where you shop the most.
Get my rewards

Explore the TWIST universe

Don’t waste another minute: complete your application in just a few clicks and start enjoying your benefits.

With TWIST, better financial management is within your reach , without hassle or complications.

Discover our various Twist cards and enjoy benefits tailored to your needs.

Easily compare the available options and choose the one that offers you the best rewards on your purchases, along with the flexibility and security you deserve.
View cards

Would you like to speak to a real person?

Call us at 1-647-689-8862 or email us at info@twistcard.ca

What Our Users
Think About Twist

Because the best proof comes from those who use it every day.

Here are their testimonials.

Sophie M.

Waitress and part-time student
“A reliable, simple, and secure card. The cashback is a real bonus!”

Emma C.

Pharmacy technician
“Great service, I was able to get my card even with a complicated credit history.”

Lucas D.

Full-time delivery driver
“Perfect for those who want to manage their finances better without hidden fees.”

Anticipate your questions, find the answers.

We understand that choosing a credit card can raise questions.

FAQ
Contact Us
To help you gain clarity, we have compiled answers to the most frequently asked questions in our comprehensive FAQ.

No matter your questions about our products, the application process, or our loyalty program, you’ll find all the essential answers in our Frequently Asked Questions to fully enjoy your TWIST experience.