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The Best Low Interest Credit Cards

Find the best low interest credit card rates. Compare to find the best rates in Canada on low interest credit cards. We've ranked low interest credit cards to help you choose the best interest rates for your needs..
Credit Cards by Type
Rewards Credit Cards Low Interest Credit Cards Low Balance Transfer Credit Cards Student Credit Cards No Fee Credit Cards Secured Credit Cards Guaranteed Credit Cards Business Credit Cards
Credit Cards by Rewards
Travel Rewards Credit Cards Cash Rewards Credit Cards Points Rewards Credit Cards Gas Rewards Credit Cards Specialty Rewards Credit Cards
Credit Cards by Lender
American Express Bank of Montreal Canadian Tire Capital One Chase Credit Cards CIBC Home Trust MBNA Credit Cards PC Financial Royal Bank of Canada Scotiabank TD Canada Trust Walmart
Best Credit Cards in Canada
Last Updated: May 23, 2013 02:30:48
Scotiabank Value® VISA card
Scotiabank Value® VISA card
Save on interest payments - 0.99% introductory rate on balance transfers and cash advances.
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
11.99%
0.99%
*11.99% after 6 months
$29.00
0.99%
*11.99% after 6 months
Good
Capital One SmartLine™ Platinum MasterCard®
Capital One SmartLine™ Platinum MasterCard®
Enjoy a low, long-term rate of 5.99% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time).
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreExcellent: -- I've had a credit card, or loan for 10+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past six months
5.99%
*for 3 years – after that, it becomes Prime +6.99%
5.99%
*for 3 years – after that, it becomes Prime +6.99%
$0.00
19.80%
Excellent
Platinum Plus® MasterCard® Credit Card
Platinum Plus® MasterCard® Credit Card
0% annual interest rate† (AIR) on balance transfers* and deposits* for the first 12 full months
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
17.99%
0.00%
*19.99% after 12 months
$0.00
24.99%
Good
TrueLine MasterCard® credit card - Fixed 9.99% AIR
TrueLine MasterCard® credit card - Fixed 9.99% AIR
A great low interest rate credit card, with no annual fee.
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
9.99%
9.99%
$0.00
24.99%
Good
Sony Card MasterCard® credit card
Sony Card MasterCard® credit card
Until July 31, 2013, earn 5X Sony Points†† for eligible purchases at the Sony Reader™ Store when you use your SonyCard MasterCard credit card. Visit readerstore.sony.com to start earning bonus points today! Account registration required. Click here to l
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
1.99%
*19.99% after 10 months
1.99%
*19.99% after 10 months
$0.00
19.99%
Good
2.00%
*maximum
Last Minute Club MasterCard® Credit Card
Last Minute Club MasterCard® Credit Card
Apply today, if approved, you'll receive a free classic membership for The Last Minute Club¹. Also earn points towards free travel by simply using your card‡
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
1.99%
*19.99% after 10 months
19.99%
$0.00
19.99%
Good
1.00%
*maximum
Harley-Davidson® MasterCard® credit card
Harley-Davidson® MasterCard® credit card
Use your card for eligible net retail purchases and be automatically entered for a quarterly Harley-Davidson® motorcycle draw‡
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
1.99%
*17.99% after 6 months
19.99%
$0.00
19.99%
Good
0.45%
*maximum
The American Express<sup>®</sup> AIR MILES<sup>®</sup>* Credit Card
The American Express® AIR MILES®* Credit Card
Special Offer: 150 Bonus Reward miles on your first purchase. No Annual Fee!
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
2.99%
*19.99% after 12 months
-
$0.00
-
Good
0.67%
*maximum
The TrueEarnings® Card from Costco and American Express
The TrueEarnings® Card from Costco and American Express
Earn CASH BACK when you use your TrueEarnings® Card inside and outside of Costco.
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
2.99%
*19.75% after 6 months
-
$0.00
21.99%
Good
3.00%
*maximum
Choice Card from American Express<sup>TM</sup>
Choice Card from American ExpressTM
Earn a Welcome Bonus of 1,500 Membership Rewards® points the first time you use the approved Card
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
2.99%
*19.99% after 12 months
-
$0.00
-
Good
0.77%
*maximum
Welcome Bonus of 12,000 Membership Rewards® points - enough for a FREE $100 Gift Card
ChoicePlus Card from American Express<sup>TM</sup>
ChoicePlus Card from American ExpressTM
Earn a Welcome Bonus of 12,000 Membership Rewards® points the first time you use the approved Card.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
2.99%
*19.99% after 12 months
-
$65.00
-
Good
1.67%
*maximum
The American Express<sup>®</sup> AIR MILES<sup>®</sup>* Platinum Credit Card
The American Express® AIR MILES®* Platinum Credit Card
Apply now, and get a response in 60 seconds! Get 500 introductory reward miles on your first purchase.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
2.99%
*19.99% after 12 months
-
$0.00
*$65.00 after the first year
-
Good
1.00%
*maximum
FREE $50 Gift Card
Scotia Momentum® No-Fee VISA card
Scotia Momentum® No-Fee VISA card
1% cash back on eligible purchases, a 7.99% intro purchase rate, and no annual fee.
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
7.99%
*19.99% after 6 months
21.99%
$0.00
21.99%
Good
1.00%
*maximum
TD Emerald Visa Card
TD Emerald Visa Card
Reduce monthly interest charges through low competitive rates pending assesment
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreFair: -- I've had a credit card, or loan for 1+ years. For the last 2+ years I've paid back debts to creditors (with no defaults). I haven't missed more than two payments on my credit in the last three months.
9.75%
*+ TD Prime
9.75%
*+ TD Prime
$25.00
9.75%
*+ TD Prime
Fair
Capital One Fusion™ Platinum MasterCard®
Capital One Fusion™ Platinum MasterCard®
The low interest rate you need with rewards you want.
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreExcellent: -- I've had a credit card, or loan for 10+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past six months
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
9.90%
9.90%
$0.00
19.80%
Excellent
0.50%
*maximum
Capital One Gold MasterCard® with a 11.9% Interest Rate
Capital One Gold MasterCard® with a 11.9% Interest Rate
Enjoy the certainty of a low, long-term rate of 11.9% on purchases and balance transfers, guaranteed for 3 years (as long you pay your bills on time).
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
11.90%
*for 3 years – after that, it becomes Prime +9.9%
11.90%
*for 3 years – after that, it becomes Prime +9.9%
$19.00
19.80%
Good
Visa<sup>‡</sup> Classic Low Rate Option
Visa‡ Classic Low Rate Option
Great Value with an Everyday Low Annual Interest Rate.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
11.99%
11.99%
$20.00
11.99%
Good
CIBC Select Visa<sup>TM</sup>
CIBC Select VisaTM
Low interest rate on purchases and cash transactions + Low annual fee
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreFair: -- I've had a credit card, or loan for 1+ years. For the last 2+ years I've paid back debts to creditors (with no defaults). I haven't missed more than two payments on my credit in the last three months.
11.99%
11.99%
$29.00
11.99%
Fair
Home Trust Secured Visa Card
Home Trust Secured Visa Card
Your best chance to get the credit you deserve!
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreNo Credit: -- I currently do not have a credit card, or loan in my name. I need to improve my credit due to a recent bankruptcy or default on a loan.
14.90%
-
$59.00
19.80%
No Credit
Capital One Low Rate Guaranteed MasterCard®
Capital One Low Rate Guaranteed MasterCard®
Low rate on purchases and balance transfers.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreNo Credit: -- I currently do not have a credit card, or loan in my name. I need to improve my credit due to a recent bankruptcy or default on a loan.
14.90%
14.90%
$79.00
19.80%
No Credit
Capital One Aspire Travel™ Platinum MasterCard®
Capital One Aspire Travel™ Platinum MasterCard®
Earn reward miles - with no annual fee!
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
16.80%
*+ Prime
16.80%
*+ Prime
$0.00
16.80%
*+ Prime
Good
1.25%
*maximum
Capital One Aspire Cash™ World MasterCard®
Capital One Aspire Cash™ World MasterCard®
Earn 50% extra cash rewards every year and pay no annual fee!
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreExcellent: -- I've had a credit card, or loan for 10+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past six months
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
16.80%
*+ Prime
16.80%
*+ Prime
$0.00
16.80%
*+ Prime
Excellent
1.50%
*maximum
Capital One Aspire Cash™ Platinum MasterCard®
Capital One Aspire Cash™ Platinum MasterCard®
Earn cash rewards and pay no annual fee!
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
16.80%
*+ Prime
16.80%
*+ Prime
$0.00
16.80%
*+ Prime
Good
1.25%
*maximum
Capital One Aspire Travel™ World MasterCard®
Capital One Aspire Travel™ World MasterCard®
Earn more reward miles – on everything you buy!
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreExcellent: -- I've had a credit card, or loan for 10+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past six months
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
16.80%
*+ Prime
16.80%
*+ Prime
$120.00
16.80%
*+ Prime
Excellent
2.00%
*maximum
No-Fee Scotiabank Value® VISA card
No-Fee Scotiabank Value® VISA card
SPECIAL OFFER: 3.99% interest rate for the first six months...plus no annual fee.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
16.99%
3.99%
*16.99% after 6 months
$0.00
3.99%
*16.99% after 6 months
Good
BMO<sup>®</sup> Preferred Rate MasterCard<sup>®*</sup>
BMO® Preferred Rate MasterCard®*
No frills — just savings. A lower 17.5% interest rate and no annual fee.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
17.90%
17.90%
$0.00
17.90%
Good
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit Score
Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!