Best Low Interest Credit Cards

Enjoy a 1.9% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year*. Apply by January 12, 2027.

• Get a low, fixed annual interest rate of 12.99% on purchases and 14.99% on cash advances including balance transfers¹.

• Get special partner offers from brands like Petro Canada, Rexall and DoorDash.

• 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 a 6-month complimentary DashPass subscription¹⁵ – a value of almost $60. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
• Link your eligible RBC Card and earn 50 Be Well^™ points on every $1 spent on eligible purchases at Rexall⁵

Special Offer: Get a 0% promotional interest rate on Purchases for the first 6 months^† from Account opening and receive an Annual Fee rebate for the first year^†. Conditions Apply.

Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.

• Save on interest with a low annual interest rate of 12.90%^† for Purchases and Cash Advance transactions.
• Option to purchase Travel Medical Insurance^† and Trip Cancellation/Trip Interruption Insurance^†.
• Earn more Starbucks Stars at participating Starbucks^® stores. Conditions apply.
• Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay^† or Samsung Pay^†. It's an easy and secure way to pay.

This offer is not available for residents of Quebec.

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the View Product button

Welcome offer - Get up to $100 in value with an enviro Visa Classic card (Low Interest + Rewards)! Get your first year annual fee waived ($50 rewards value). + Get 5% back in rewards points for shopping local. That’s an additional $50 rewards value.^

When you use your enviro Visa card, you’ll earn valuable Vancity Rewards points that can be redeemed for cash back,^‡ travel, charitable donations and gift cards.

- 1 point for every $2 spent on all purchases.

- 2X the points when booking travel through Vancity Rewards – no blackout periods.

- Common carrier travel accident insurance – up to $200,000. §

- Purchase security insurance. §

- Extended warranty insurance. §

- Supplementary or additional cards: $0 for up to 4 cards.

Environmental impact:

- 5% of profits from this card go towards the Vancity enviroFund^™ program every year and help support climate action.

- Our Carbon Counter^™ can help you estimate the carbon footprint of your credit card spending.

Please click on the View Product link for the most up to date information.

* Trademark of Visa Int. Used under license.

enviro^™, Vancity enviroFund^™ and Carbon Counter^™ are trademarks of Vancouver City Savings Credit Union.

^‡ Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash. Additional terms and conditions apply.

§ Common Carrier Travel Accident and Travel Emergency Medical Insurance are insurance coverages underwritten by American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy number VCVIL⁰⁹²⁰¹⁹. All other insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VCVI⁰⁹²⁰¹⁹. Price Protection Service and Emergency Travel Assistance Services are services only and not insurance and are provided by ABIC. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant^®.^® Assurant is a registered trademark of Assurant, Inc. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance and the Statement of Services provided with the card. Read the Certificate of Insurance and Statement of Services, then keep these documents in a safe place, and take them with you when you travel.

Get a low Balance Transfer rate, an overall low interest rate and enjoy other benefits like:

• Extended warranty*
• Purchase protection in case of theft or damage*
• Purchases: Prime rate + 4% (or minimum of 8.90%).
• Cash advances: Prime rate + 8% (or minimum of 12.90%).

To find out more on the credit terms applicable to this product, click the National Bank application page or "Full Card Details" here on Borrowell.

^†† Rates in Quebec may differ

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.

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%

(regular card)

$ 9.24

$ 55.45

20,99%

(regular card)

$ 8.63

$ 51.76

12.90%

(Syncro card)

$ 5.30

$ 31.81

8.90%

(Syncro card)

$ 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.

• 0% promotional interest rate on balance transfers for the first 9 months with a 1% balance transfer fee.

• Plus no annual fee for the first year.¹

• Save hundreds of dollars in interest a year

• Low 12.99% interest rate

• Pay down balances faster

• Simplify your monthly payments

• Rates, fees and other information are effective as of October 31 2025. Subject to change.

Get a 0% introductory interest rate on Balance Transfers for 18 months with a 3% transfer fee and we’ll waive the $29 annual fee for the first year.*

*Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.\

• Enjoy our lowest interest rate of 13.99% on purchases*
• Free extended warranty and purchase protection*
• Zero Dollar Liability: protects you from unauthorized use of your credit card*
• Worldwide acceptance at over 30 million locations*

BMO is not responsible for maintaining the content on this site. Please click on the View Product link for the most up to date information. *Terms and conditions apply

Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers*and access cheques, and 24.99% on cash advances.

• $39 annual fee
• Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers* and 24.99% on cash advances
• This card is made from 100% recycled plastic
• Around-the-clock-fraud protection
• Use available credit on your credit card to transfer funds right to your chequing account

This offer is not available for residents of Quebec.

*, 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 above.

Transfer your credit card balance of $100 or more - Get 0% interest for up to 10 months with a 1% transfer fee^† (BT fee does not apply for Quebec residents) and a two year annual fee rebate^†

Check full offer details below^†

• 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 of $100 or more for your first 10 months. You’ll only have to pay a 1% fee^† (BT fee does not apply for Quebec residents) 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.

•Balance transfers of amounts less than $100 are not eligible for this promotional balance transfer offer and will be subject to the regular interest rate for Cash Advances applicable to your account.

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.^†

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.^†

Get 50% off Disney+ for 6 months

Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement credits.^†

^†Terms and Conditions Apply. Select Apply Now to learn more.

^†† Rates in Quebec may differ