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Low Interest Credit Card Offers

Updated on November 2, 2023

Low Interest Cards


CIBC Select Visa* Card



CIBC Select Visa* Card

Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†

Annual Fee $29 | Additional Cards (Up to 3): $0 | Annual interest rate 13.99%† on purchases and 13.99%† on cash advances | $15,000 household annual income



Terms & Conditions apply




Check full offer details below†
Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee†
• Transfer up to 50% of your assigned credit limit†
• If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest
• Take advantage of this 0% introductory interest rate on balance transfers for your first 10 months. You’ll only have to pay a 1% fee† when you transfer your balance from another card to the CIBC Select Visa Card
• This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application
Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.

Save on gas with CIBC and Journie Rewards
Link and use your CIBC Select Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

† Terms & Conditions Apply


MBNA True Line® Mastercard® credit card



MBNA True Line® Mastercard® credit card

You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee.

$0 annual fee | $0 Additional Card | Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪, and 24.99% on cash advances|



Terms & Conditions apply




  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee.
  • Around-the-clock fraud protection
  • Use available credit on your credit card to transfer funds right to your chequing account.
  • Apply for the MBNA True Line® Mastercard® credit card today
  • This offer is not available for residents of Quebec.
  • Click here to apply for the MBNA True Line® Mastercard® credit card

‡ ††, ‡, ✪, ***, ††††, Terms and Conditions apply.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank..


MBNA True Line® Gold Mastercard® credit card



MBNA 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

$39 annual fee | $0 Additional Card | Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances|



Terms & Conditions apply




‡ ††, ‡, ✪, ***, ††††, Terms and Conditions apply.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank..


RBC® Visa‡ Classic Low-Rate Option

RBC® Visa‡ Classic Low-Rate Option

Enjoy a 0.99% introductory interest rate for the first 10 months on cash advances and balance transfers^ and no annual fee for the first year.* Apply by December 6, 2023.

Monthly fee $0 | Additional Cards: $0 | Annual interest rate: 12.99% on purchases, 12.99% on cash advances and balance transfers | Credit Rating: Good



Terms & Conditions apply




Low interest rate on purchases and cash advances
Low annual fee
Purchase security and extended warranty insurance4

Link your RBC card with a Petro-Points membership and instantly save on fuel at Petro-Canada stations and earn 20% more Petro-Points

Get $0 delivery fees for 3 months from DoorDash14 - Add your eligible RBC credit card to your DoorDash account to:
• Get a 3-month complimentary DashPass subscription15 – a value of almost $30
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.


Scotiabank Value® Visa* Card

Scotiabank Value® Visa* Card

0% introductory interest rate on Balance Transfers for the first 10 months (12.99% after that; annual fee $29).1 Plus no annual fee in the first year.1 Offer ends Oct 31, 2024.

Annual Fee: $29 | Additional Card Fee: $0 | Annual interest rate 12.99% on purchases and 12.99% on cash advances, balance transfers and Scotia Credit Card Cheques



Terms & Conditions apply




*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information


National Bank Syncro Mastercard

National Bank Syncro Mastercard

$75 cashback offer : You will receive a $75 cashback if $1,500 in net purchases is charged to the credit card account within the first three months following account opening. The account must be in good standing at the time cashback is applied.
To take advantage of this offer, you must sign up for the National Bank® mycredit® Mastercard® credit card by June 30, 2022. This promotion is only valid through strategic partners like Rewards Canada.

Annual Fee $35 | Additional Cards: $0 | Annual interest rate 11.2% (min) or prime rate + 4% on purchases and 15.2% (min) or prime rate + 8% on funds advances



Terms & Conditions apply




  • Low Interest Card
  • Purchase protection in case of theft or damage*
  • Extended warranty*
  • National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index


Disclaimer

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate 

Average balance 

 

$500 

$3,000 

22.49% 

$9.24 

$55.45 

20.99% 

$8.63 

$51.76 

12.90% 

$5.30 

$31.81 

8.9% 

$3.66 

$21.95 

*Variable interest rate in effect on September 1, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Prime rate and Interest details

The prime rate means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.

The interest rate for the SYNCRO card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the SYNCRO card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

Purchase protection and Extended warranty

This coverage applies to purchases charged to the National Bank Syncro card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.




Cards with limited time low interest offers


BMO AIR MILES®† MasterCard®*

BMO AIR MILES®† MasterCard®*

Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*

Annual Fee: $0 | Additional Card Fee: $0 | Interest Rate: Purchases: 20.99% Cash Advances 22.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
  • Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.
  • Get 1 Mile for every $25 spent everywhere else*
  • Earn more reward miles when you use your card at Shell, National Car Rental and Alamo Rent A Car
  • Extended Warranty
  • Purchase Protection
  • Click here to apply for BMO AIR MILES®† MasterCard®*


Scotiabank Gold American Express Card
Canada's Top Travel Points Card Canada's Top No Foreign Transaction Fee Card

Scotiabank Gold American Express Card

2024 Top Travel Points Credit Card with an annual fee | 2024 Top No Foreign Transaction Fee Credit Card

Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points¹. Offer ends Jul 1, 2024

Annual Fee: $120 | Additional Cards: $29 | Minimum Income $12,000



Terms & Conditions apply




  • Bonus offer broken down as follows:
    - Earn 20,000 bonus Scene+ Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months.
    - Earn 20,000 bonus Scene+ Rewards points when you spend $7,500 within your first 12 months
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
  • You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
  • Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
  • Earn 1X Scene+ point for every $1 spent on every other purchase
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive up to 25% off qualifying car rentals
  • Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
  • Redeem points for merchandise and other rewards
  • Click here to apply for Scotiabank Gold American Express Card

*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information


Scotiabank Value® Visa* Card

Scotiabank Value® Visa* Card

0% introductory interest rate on Balance Transfers for the first 10 months (12.99% after that; annual fee $29).1 Plus no annual fee in the first year.1 Offer ends Oct 31, 2024.

Annual Fee: $29 | Additional Card Fee: $0 | Annual interest rate 12.99% on purchases and 12.99% on cash advances, balance transfers and Scotia Credit Card Cheques



Terms & Conditions apply




*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information


Scotia Momentum® Visa* card

Scotia Momentum® Visa* card

Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)¹ Offer ends Oct 31, 2024

Annual Fee $39 | Supplementary Cards: $0 | Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques



Terms & Conditions apply




*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information


Tangerine World Mastercard®

Tangerine World Mastercard®

Apply for a Tangerine World Mastercard® by April 30, 2024. If you’re approved, you’ll earn an extra 10% back on up to $1,000 in everyday purchases made within your first 2 months..

Annual Fee: $0 | Additional Cards: $0 | Minimum Income: $60,000 personal or $100,000 household



Terms & Conditions apply




  • Personalized categories and unlimited money-back rewards monthly
  • Automatic earning: Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
  • No annual fee
  • Earn 2% cashback on your choice of up to 3 categories, 0.5% money back on all other purchases
  • Change your 2% Money-back categories to suit your spending from your choice of 10 categories
  • 1.95% on Balance Transfers for six months
  • Rental Car Collision/Loss Damage Insurance**: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.
  • Mobile Device Insurance**: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.
  • Mastercard® Travel Pass Provided By DragonPass‡ Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit.
  • Click here to apply for Tangerine World Mastercard®
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