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.

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Interest On

Annual Fee Purchases Cash
Advances
Harley-Davidson® Mastercard® credit card

Harley-Davidson® Mastercard® credit card

$0 19.99% 24.99%1 21.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
No-Fee Scotiabank Value® VISA* card

No-Fee Scotiabank Value® VISA* card

$0 16.99% 16.99% 16.99%1
Notes:
  1. 3.99% for the first 6 months*
Platinum Plus® Mastercard® credit card - 0% for 12

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

$0 19.99% 24.99%1 21.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
Scotiabank Value® VISA* card

Scotiabank Value® VISA* card

$29 11.99% 11.99% 11.99%1
Notes:
  1. 0.99% for the first 6 months*
The Canadian Western Bank Platinum Plus Mastercard® Credit Card

The Canadian Western Bank Platinum Plus Mastercard® Credit Card

$0 9.99% 24.99%1 9.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
BMO Preferred Rate MasterCard

BMO Preferred Rate MasterCard

$20 11.90% 11.90% n/a
CIBC Select VISA® Card

CIBC Select VISA® Card

$29 13.99% 13.99%1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
Desjardins VISA® - Modulo GOLD

Desjardins VISA® - Modulo GOLD

$50 9.90% 9.90% 9.90%
Laurentian Bank Visa® Black Reduced Rate Card

Laurentian Bank Visa® Black Reduced Rate Card

$25 12.49% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
RBC® VISA® Classic Low Rate Option

RBC® VISA® Classic Low Rate Option

$20 11.90% 11.90% n/a1
Notes:
  1. Interest rate not mentioned on website.
TD Emerald VISA® Card

TD Emerald VISA® Card

$25 n/a1 n/a2 n/a3
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.
TD Venture Line of Credit VISA® Card

TD Venture Line of Credit VISA® Card

$0 n/a1 n/a2 n/a3
Notes:
  1. Based on TD Prime.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
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