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The definitive online resource for Canadian Credit Card Information.
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Low interest credit cards
The low interest credit cards featured below provide a low fixed-rate APR or a low introductory APR. Compare the following low interest credit cards, then apply online for your choice of credit card by completing a secure application form online.
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| Platinum Plus® MasterCard® credit card - 0 for 12 |
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- 0% annual interest rate† (AIR) on balance transfers* and deposits* for the first 12 full months
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour customer service
- International acceptance at millions of locations
- No annual fee
- Enhanced security and protection with Chip & PIN technology and PayPass
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Typical APR
See Terms | Balance Transfer
See Terms | Balance Transfer Fee
1% of amount advanced (minimum fee $7.50) | Annual Fee
None | Credit Needed
Good |
| SmartLine™ Platinum MasterCard® |
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- Enjoy a low, long-term rate of 5.99% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time)
- After 3 years your rate will stay low and become a variable rate of Prime +6.99% on purchases and balance transfers
- Annual interest rate for cash advances is 19.8%
- No annual fee
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Typical APR
5.99% for 3 years | Balance Transfer
5.99% for 3 years | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Excellent Credit |
| Low Rate Guaranteed MasterCard® |
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- Low rate on purchases and balance transfers
- May help you strengthen your credit history
- Security funds may be required
- Annual interest rate for cash advances is 19.8%
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Typical APR
14.9% | Balance Transfer
14.9% | Balance Transfer Fee
See Application | Annual Fee
$79* | Credit Needed
Credit Needs Improvement |
| Scotiabank Value® VISA Card |
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- 0.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- Save hundreds of dollars a year
- Pay down balances faster
- Simplify your monthly payments
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Typical APR
11.99%* | Balance Transfer
0.99% for 6 months* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$29* | Credit Needed
Good |
| No-Fee Scotiabank Value® VISA Card |
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- 3.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- Save hundreds of dollars a year
- Pay down balances faster
- Simplify your monthly payments
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Typical APR
16.99%* | Balance Transfer
3.99% for 6 months* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$0* | Credit Needed
Good |
| Gold MasterCard® with a 11.9% Interest Rate |
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- Enjoy the certainty of a low, long-term rate of 11.9% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time)
- After that, your rate will stay low and become a variable rate of Prime +9.9% on purchases and balance transfers
- Annual interest rate for cash advances is 19.8%
- Save money when you transfer high-interest debt with the no-fee balance transfer service
- $19 annual fee
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Typical APR
11.9% for 3 years* | Balance Transfer
11.9% for 3 years* | Balance Transfer Fee
See Application | Annual Fee
$19* | Credit Needed
Average Credit |
| The TrueEarnings® Card from Costco and American Express |
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- You can earn cash back when you use your TrueEarnings® Card inside and outside of Costco.
- Plus, there’s no limit to the amount of cash back you can earn annually.
- Earn 3% CASH BACK on eligible restaurant purchases
- Earn 2% CASH BACK on eligible gas purchases
- Earn UP TO 1% CASH BACK on everyday purchases - including at Costco®†
- Add a FREE Supplementary Card – that person just needs to be a current member on your Costco account
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- Conditions apply
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Typical APR
19.75% purchases | Balance Transfer
N/A* | Balance Transfer Fee
N/A | Annual Fee
No annual fee | Credit Needed
Excellent |
| BMO® Preferred Rate MasterCard®* |
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- Pay no annual fee
- Enjoy our lowest interest rate: 17.5% (with no annual fee)
- Get free extended warranty and purchase protection with your BMO MasterCard
- Enjoy free Zero Dollar Liability protection for both theft and fraudulent use of your credit card
- Reduce your credit card interest charges even further from 17.5% to 11.9% with our Low Interest Rate Option ($20/year)
- Free additional credit cards
- en Français
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Typical APR
17.90%* | Balance Transfer
17.90% | Balance Transfer Fee
$0 | Annual Fee
$0* | Credit Needed
Good |
| The American Express® AIR MILES®* Platinum Credit Card |
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- Earn up to 1,000 Bonus AIR MILES® reward miles
- Earn 1 reward mile for every $10 in Card purchases at AIR MILES®* Sponsors
- Earn 1 reward mile for every $10 in Card purchases at other eligible stand-alone grocery stores, gas stations, and drugstores in Canada
- Earn 1 reward mile for every $15 in Card purchases everywhere else
- More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from movie tickets to electronics, travel and more
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- 2.99% special interest rate on purchases for the first 12 months of Cardmembership, 19.99% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time
- Conditions apply
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Typical APR
19.99% purchases | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$65 annual fee waived for the first year | Credit Needed
Excellent |
| CIBC Select VisaTM Card |
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- $100,000 Common Carrier Accident Insurance2
- AVIS Car rental discounts of up to 20% at participating locations3
- Free personalized CIBC Convenience Cheques4
- Free additional cards - up to a maximum three cards per account
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Typical APR
11.99%* | Balance Transfer
11.99%* | Balance Transfer Fee
N/A* | Annual Fee
$29.00* | Credit Needed
Good |
| Fusion™ Platinum MasterCard® |
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- The low interest rate you need with rewards you want
- Get 5,000 bonus reward miles on your first purchase
- Earn 1 reward mile for every $2 - on everything you buy
- Guaranteed rate of 9.9% fixed on purchases and balance transfers (as long as you pay your bills on time)
- Annual interest rate for cash advances is 19.8%
- No annual fee
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Typical APR
9.9% | Balance Transfer
9.9% | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Excellent Credit |
| Choice Privileges MasterCard® |
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- Until July 31, 2013 only, earn up to 24,000 points - enough for 3 FREE Nights1 at over 1,500 Choice Privileges locations across North America!
- The no annual fee Choice Privileges® MasterCard® credit card is an easy way to earn free hotel nights as you'll earn points every time you use it.
- Up to 24,000 points1 - enough for up to 3 FREE Nights at over 1,500 locations
- Up to 15 points for every $1 in eligible purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, the Middle East, Mexico, Central America, and more
- 2 points for every $1 spent on everyday eligible purchases‡
- 2,000 Bonus Points every year on your account anniversary‡
- Up to an additional 4,500 Bonus Points when you spend $30,000 in a calendar year‡ Plus, get automatically upgraded to Elite Gold status
- Gives you the ability to book free nights 50 days in advance instead of 30 days
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Typical APR
See Terms | Balance Transfer
See Terms | Balance Transfer Fee
1% of amount advanced (minimum fee $7.50) | Annual Fee
None | Credit Needed
Good |
| TrueLine MasterCard® credit card - Fixed 9.99% AIR |
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- 9.99% annual interest rate on eligible purchases
- No annual fee
- Exclusive Platinum benefits and peace of mind
- Add authorized users at no additional cost
- Around the clock fraud protection
- Enhanced security and protection with Chip & Pin technology
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Typical APR
See Terms | Balance Transfer
See Terms | Balance Transfer Fee
1% of amount advanced (minimum fee $7.50) | Annual Fee
None | Credit Needed
Good |
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