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
12.99%
Purchases
12.99%
Cash Advances
12.99%
Balance Transfer

BMO® Preferred Rate Mastercard®*

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
22.99%
Cash Advances
22.99%
Balance Transfer

Harley-Davidson® Mastercard® credit card

Get a chance to win˄ a Harley-Davidson® motorcycle with every eligible purchase‡

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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Harley-Davidson® Mastercard® credit card

Harley-Davidson® Mastercard® credit card

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$0
Annual Fee
19.99%
Purchases
22.99%
Cash Advances
22.99%
Balance Transfer

Harley-Davidson® Mastercard® credit card

You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ completed within 90 days of account opening

This offer is only available to residents of Quebec. For residents of other provinces/territories please click here

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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

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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True Line® Gold Mastercard® credit card

True Line® Gold Mastercard® credit card

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$39
Annual Fee
10.99%
Purchases
22.99%
Cash Advances
10.99%
Balance Transfer

True Line® Gold Mastercard® credit card

Standard Annual Interest Rates of 10.99% on purchases, 10.99% on balance transfers✪and access cheques, and 22.99% on cash advances

This offer is only available to residents of Quebec.  For residents of other provinces/territories please click here

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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

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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True Line® Mastercard® credit card

True Line® Mastercard® credit card

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$0
Annual Fee
14.99%
Purchases
22.99%
Cash Advances
14.99%
Balance Transfer

True Line® Mastercard® credit card

Standard Annual Interest Rates of 14.99% on eligible purchases, 14.99% on balance transfers✪and access cheques, and 22.99% on cash advances

This offer is only available to residents of Quebec.  For residents of other provinces/territories please click here

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