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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.

 
     

 

Platinum Plus® MasterCard® credit card - 0% for 12
Platinum Plus® MasterCard® credit card - 0% for 12

Platinum Plus® MasterCard® credit card - 0% for 12
  • Simplify your finances while enjoying platinum services.
  • 0% promotional annual interest rate† (AIR) on balance transfers✪ for the first 12 full months
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMS worldwide
  • No annual fee
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

Scotiabank Value® VISA Card
Scotiabank Value® VISA Card

Scotiabank Value® VISA Card
  • Low 11.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount
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

BMO® Preferred Rate MasterCard®*
BMO®  Preferred Rate MasterCard®*

BMO®  Preferred Rate MasterCard®*
  • Enjoy our lowest no-fee interest rate of 11.9+% on purchases and cash advances*
  • Free extended warranty and purchase protection*
  • Zero Dollar Liability: protects you from unauthorized use of your credit card*
  • Worldwide acceptance at over 30 million locations
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • *Terms and conditions apply
  • en Français
Typical APR
11.90%*
Balance Transfer
11.9%
Balance Transfer Fee
$0
Annual Fee
$20
Credit Needed
Good

American Express® AIR MILES Platinum Credit Card
American Express® AIR MILES Platinum Credit Card

American Express® AIR MILES Platinum Credit Card
  • New American Express® AIR MILES®* Credit Card Cardmembers, earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge $1,500 in purchases in the first 3 months of Cardmembership.
  • 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 grocery stores, gas stations, and drugstores in Canada
  • Plus, earn 1 reward mile for every $15 in Card purchases everywhere else
  • Shop at participating AIR MILES Sponsors across Canada with your Card and show your AIR MILES®* Collector Card, and you can earn reward miles twice
  • 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. Conditions apply.
Typical APR
19.99% on purchases and 21.99% on funds advances
Balance Transfer
N/A*
Balance Transfer Fee
N/A*
Annual Fee
$65
Credit Needed
Excellent

Capital One® Low Rate Guaranteed MasterCard®
Capital One® Low Rate Guaranteed MasterCard®

Capital One® Low Rate Guaranteed MasterCard®
  • Low annual interest rate of 14.9% on purchases and balance transfers
  • Annual interest rate for cash advances is 19.8%
  • May help you strengthen your credit history
  • Security funds may be required
  • Annual fee of $79
  • Valuable MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
Typical APR
14.9%
Balance Transfer
14.9%
Balance Transfer Fee
See Application
Annual Fee
$79
Credit Needed
Credit Needs Improvement

No-Fee Scotiabank Value® VISA Card
No-Fee Scotiabank Value® VISA Card

No-Fee Scotiabank Value® VISA Card
  • 16.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount
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

TrueLine MasterCard® credit card - Our low rate credit card
TrueLine MasterCard® credit card - Our low rate credit card

TrueLine MasterCard® credit card - Our low rate credit card
  • Get our lowest standard interest rate with the MBNA True Line® MasterCard® credit card
  • Enjoy a standard interest rate of 9.99% on purchases and balance transfers
  • No annual fee
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