The Card is NOT available for application
- 0% APR Fixed Forever
- Guaranteed Approval Card
- No Credit Check
- $7500 Credit Line (credit line increase available)
- Up to $500 Cash Advance option
- Card to improve your credit score
3.9 / 5.0 (52 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Shopping)
Card Type:
Card for Bad Credit
Guaranteed Approval
Shopping Card
Credit Needed:
Bad Credit OK*
Grace Period:
Max Credit Line:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Additional Fees
- Membership Fee: $129.95
- Monthly Maintenance Fee: $19.95
- Inactivity Fee: $19.95
- Returned Check Fee: $30.00
- Returned ACH Debit and Credit Cards: $30.00

Review by

This shopping credit card from Provincial Trust is easier way to gain access to credit. It does not charge any interest, and with guaranteed approval, applicants are only required to have an acceptable credit card to gain qualification, and most likely membership status.

A one-time $189.95 enrolment and registration fee is charged. A subsequent fee of $7.95 is also charged on monthly basis. A $19.95 inactivity fee is deductable from the card account after an inactivity period exceeding 12 months.

Cardholders gain instant access to the Provincial Trust Shopping Club Website. This website is laden with merchandise available to cardholders at a discounted price. Benefits include Roadside Assistance, monthly statements, and periodic credit limit increases.

Online applicants will receive guaranteed approval.


Most attractive:
- Guaranteed Approval card
- 0% Fixed APR
- No Credit Check
- High Merchandise line of Credit
Least attractive:
- Limited use
- Club Membership
- Enrollment Fee


Other Benefits:
- Roadside Assistance
* See Terms & Conditions of the Card
Online Access:
100% Guarantee Approval:

The information provided for Provincial Trust Gold Card is believed to be accurate at the time of evaluation (May 23, 2011). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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