Best Low-Interest Credit Cards

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 50% more 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.

^† Terms & Conditions apply

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

Limited time offer: Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year.* Apply by February 26th, 2025.

• Low, fixed interest rate on purchases, cash advances and balance transfers
• 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

Enjoy an annual interest rate of 12.99% on purchases and funds advances*

• With an annual interest rate of 12.99%, you can save on interest payments if you choose to carry a balance and make your minimum monthly payments on time
• Access virtual events and special offers curated for Cardmembers with Amex ExperiencesTM

• 24/7 Customer Services

**American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions apply.

From November 21, 2024 to February 27, 2025 - The annual fees will be refunded for the first year for the primary cardholder, - $70 cashback bonus will be credited to the account if $5,000 in net purchases are made within the first 12 months of card membership.

• 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.

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%

$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.

Welcome offer! Get your first year annual fee waived ($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.

^Terms and conditions apply – for full details click the {Apply now / View Product}button.

* 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.