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.

BMO® Preferred Rate Mastercard®*

BMO® Preferred Rate Mastercard®*

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$20
Annual Fee
11.90%
Purchases
11.90%
Cash Advances
N/A
Balance Transfer

BMO® Preferred Rate Mastercard®*

No Frills. Just savings. Enjoy our biggest savings and our lowest interest rate. Welcome offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months*, 1% fee applies to balance amounts transferred*.

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CIBC Select VISA® Card

CIBC Select VISA® Card

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$29
Annual Fee
13.99%
Purchases
13.99%
Cash Advances
N/A
Balance Transfer

CIBC Select VISA® Card

Keep credit charges in check when you carry a balance. Plus, transfer your balance and get 0% interest for up to 10 months with a 1% transfer fee.

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Harley-Davidson® Mastercard® credit card

Harley-Davidson® Mastercard® credit card

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$0
Annual Fee
19.99%
Purchases
24.99%
Cash Advances
21.99%
Balance Transfer

Harley-Davidson® Mastercard® credit card

Get the card. Get the cash. Get the chrome.

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No-Fee Scotiabank Value® VISA* card

No-Fee Scotiabank Value® VISA* card

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$0
Annual Fee
16.99%
Purchases
16.99%
Cash Advances
16.99%
Balance Transfer

No-Fee Scotiabank Value® VISA* card

A no annual fee card with a low 3.99% introductory interest rate on balance transfers for the first 6 months

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Scotiabank Value® VISA* card

Scotiabank Value® VISA* card

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$29
Annual Fee
12.99%
Purchases
12.99%
Cash Advances
11.99%
Balance Transfer

Scotiabank Value® VISA* card

0.99% introductory interest rate on balance transfers for the first 6 months†

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True Line® Gold Mastercard® credit card

True Line® Gold Mastercard® credit card

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$39
Annual Fee
8.99%
Purchases
24.99%
Cash Advances
8.99%
Balance Transfer

True Line® Gold Mastercard® credit card

Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances
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True Line® Mastercard® credit card

True Line® Mastercard® credit card

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$0
Annual Fee
12.99%
Purchases
24.99%
Cash Advances
12.99%
Balance Transfer

True Line® Mastercard® credit card

Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances
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Desjardins VISA® - Modulo GOLD

Desjardins VISA® - Modulo GOLD

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$50
Annual Fee
10.90%
Purchases
10.90%
Cash Advances
10.90%
Balance Transfer

Desjardins VISA® - Modulo GOLD

Enjoy a low fixed annual interest rate on all your purchases and cash advances and earn up to 1% of your purchases in BONUSDOLLARS.

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Laurentian Bank Visa® Black Reduced Rate Card

Laurentian Bank Visa® Black Reduced Rate Card

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$25
Annual Fee
12.49%
Purchases
N/A
Cash Advances
N/A
Balance Transfer

Laurentian Bank Visa® Black Reduced Rate Card

For travellers, Laurentian Bank Visa® Black Reduced Rate Card can make sure your reservation is automatically guaranteed, regardless of your time of arrival, when you use your card to reserve a hotel room.

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RBC® VISA® Classic Low Rate Option

RBC® VISA® Classic Low Rate Option

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$20
Annual Fee
11.99%
Purchases
11.99%
Cash Advances
N/A
Balance Transfer

RBC® VISA® Classic Low Rate Option

A Classic low annual rate credit card from RBC. Permanent low interest rate helps you save money when you carry a balance on your card from purchases or cash advances

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