Stretch interface size

Low Interest Credit Cards

The following credit cards offer a lower interest rate on purchases than most credit cards. You can save money each month if you carry a balance and pay off your credit card debt faster by using these low interest rate cards. You can apply for these credit cards online by following the Apply Now link. All of these cards are available in Canada.

Filter by issuer:

Detailed view | Quick comparison table

MBNA Program Premium MasterCard® Credit Card Apply Now

MBNA Program Premium MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

9.99%

Cash Advances

9.99%

Balance Transfers

9.99%

  • No Annual Fee
  • 9.99% APR
  • Credit limit up to $100,000

Capital One® SmartLine™ Platinum MasterCard Apply Now

Capital One®  SmartLine™ Platinum MasterCard

Interest on:

Annual Fee

$0

Purchases

5.99%

Cash Advances

19.80%

Balance Transfers

5.99%

  • Low, long-term interest rate of 5.99% as long as you pay your bills on time! Plus, this low rate is guaranteed for three years – all for no annual fee. On December 2012, after your three years are up, your annual interest rate becomes a variable rate of Prime +2.99%
  • Add Reward Miles or 1% Cash Back for a $99 annual fee

Capital One® Low Rate Guaranteed MasterCard® Apply Now

Capital One® Low Rate Guaranteed MasterCard®

Interest on:

Annual Fee

$79

Purchases

14.90%

Cash Advances

19.80%

Balance Transfers

14.90%

  • Get a low, long-term interest rate that can help you strengthen your credit history

Capital One® Platinum MasterCard®: 9.99% Guaranteed for 3 Years Apply Now

Capital One® Platinum MasterCard®: 9.99% Guaranteed for 3 Years

Interest on:

Annual Fee

$0

Purchases

9.99%

Cash Advances

19.80%

Balance Transfers

19.80%

  • Low long-term rate of 9.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
  • After that your rate will stay low and become a variable rate of Prime +6.99% on purchases and balance transfers
  • Save money when you transfer high-interest debt with our no-fee balance transfer service
  • Subject to Credit Approval

CIBC Select VISA® Card Apply Now

CIBC Select VISA® Card

Interest on:

Annual Fee

$29

Purchases

11.50%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Enjoy our lowest interest rate card
  • CIBC CreditSmart®, a revolutionary array of smart credit management features

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
More information about the CIBC Select VISA® Card

Citi™ Low Rate Gold MasterCard® Apply Now

Citi™ Low Rate Gold MasterCard®

Interest on:

Annual Fee

$39

Purchases

9.90%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Low Annual Interest Rate (APR) of 12.90%
  • Savings and security with Citi Price Protection, Extended Warranty and Purchase Assurance
  • The PayPass™ feature allows you to just Tap & Go™ for all in-store purchases under $50.00

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
More information about the Citi™ Low Rate Gold MasterCard®

Desjardins VISA® - Modulo GOLD Apply Now

Desjardins VISA® - Modulo GOLD

Interest on:

Annual Fee

$50

Purchases

9.90%

Cash Advances

n/a1

Balance Transfers

n/a2

  • The country’s lowest annual fixed interest rate: 9.9%
  • Earn up to 1% of your purchases in BONUSDOLLARS
  • Rewards program allows you to accumulate BONUSDOLLARS and exchange them against travel, gifts, tickets to shows and Desjardins products and services
  • Payment holiday feature where you can skip the minimum payment twice a year
  • Accord D Desjardins financing, a second, separate credit limit
  • Cash advances up to $5,000 a day, anywhere in the world

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
More information about the Desjardins VISA® - Modulo GOLD

Laurentian Bank Visa® Black Reduced Rate Card Apply Now

Laurentian Bank Visa® Black Reduced Rate Card

Interest on:

Annual Fee

$25

Purchases

12.49%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Benefit all year long from a low interest rate of 12.49%
  • Safely shop online thanks to Verified by VISA

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.

RBC® VISA® Classic Low Rate Option Apply Now

RBC® VISA® Classic Low Rate Option

Interest on:

Annual Fee

$20

Purchases

11.90%

Cash Advances

11.90%

Balance Transfers

n/a1

  • Permanent low interest rate helps you save money when you carry a balance on your card
  • 24-hour worldwide fraud detection keeps your card safe

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® VISA® Classic Low Rate Option

Scotiabank No-Fee Value VISA® Card Apply Now

Scotiabank No-Fee Value VISA® Card

Interest on:

Annual Fee

$0

Purchases

14.99%

Cash Advances

14.99%

Balance Transfers

n/a1

  • The No-Fee Scotiabank Value VISA card is the only no annual fee, low-rate credit card in Canada
  • Save hundreds of dollars a year, pay down balances faster, and simplify your monthly payments by switching balances from higher interest rate credit cards to a Scotiabank Value VISA card

Notes:
  1. Interest rate not mentioned on website.
More information about the Scotiabank No-Fee Value VISA® Card

Scotiabank Value VISA® Card Apply Now

Scotiabank Value VISA® Card

Interest on:

Annual Fee

$29

Purchases

11.49%

Cash Advances

11.49%

Balance Transfers

n/a1

  • With an annual interest rate of 11.49% your Scotiabank Value VISA card can finance medium to large purchases
  • Save hundreds of dollars a year, pay down balances faster, and simplify your monthly payments by switching balances from higher interest rate credit cards to a Scotiabank Value VISA card

Notes:
  1. Interest rate not mentioned on website.
More information about the Scotiabank Value VISA® Card

TD Emerald VISA® Card Apply Now

TD Emerald VISA® Card

Interest on:

Annual Fee

$25

Purchases

n/a1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Great value with a competitive low rate
  • Preferred variable annual interest rate is TD Prime + 1.9%, TD Prime + 3.9%, TD Prime + 4.9%, TD Prime + 5.9% or TD Prime + 6.9%, depending on your credit assessment
  • As of October 2009 , TD Prime was 2.250% so current preferred rates range from 4.15% to 9.15%
  • Standard Rate of 21.0% applies if your minimum payment is more that 30 days past due

Notes:
  1. Varies depending on TD Prime Rate and your credit assessment.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
More information about the TD Emerald VISA® Card

TD Venture Line of Credit VISA® Card Apply Now

TD Venture Line of Credit VISA® Card

Interest on:

Annual Fee

$0

Purchases

n/a1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Line of credit with Visa Card convenience
  • Low interest rates based on TD Prime
  • Apply only once! Once you're approved, yearly renewal is automatic, with no business plan review or interview (as long as your Account is in good standing throughout the year)
  • Approved based primarily on your personal creditworthiness

Notes:
  1. Based on TD Prime
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
More information about the TD Venture Line of Credit VISA® Card
If you have found an error or inaccurate information related to a credit card, you can report a listing.


RedFlagDeals.com


Copyright © 2000 - 2009 RedFlagDeals.com, a division of Clear Sky Media, Inc. All rights reserved. (Terms of Use, Privacy Policy)