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Best Low-Interest Credit Cards

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Capital One® Low Rate Guaranteed Mastercard®

Annual Fee

$79

Purchase Interest Rate

14.90%

Cash Advance Rate

19.80%

Balance Transfer Rate

14.90%

Additional Rates and Fees

  • Sign Up Bonus: N/A
  • Rewards: N/A
  • Minimum Income Required: N/A

MBNA True Line® Gold Mastercard®

Annual Fee

$39

Purchase Interest Rate

8.99%

Cash Advance Rate

24.99%

Balance Transfer Rate

8.99%

Additional Rates and Fees

  • Sign Up Bonus: You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers* completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50).
  • Special Note: This offer is not available for residents of Quebec. For residents of Quebec, please click .
  • Rewards: N/A
  • Minimum Income Required: N/A

MBNA True Line® Mastercard®

Annual Fee

$0

Purchase Interest Rate

12.99%

Cash Advance Rate

24.99%

Balance Transfer Rate

12.99%

Additional Rates and Fees

  • Sign Up Bonus: You could get a 0% promotional annual interest rate (“AIR”)† for 10 months on balance transfers* completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50).
  • Special Note: This offer is not available for residents of Quebec. For residents of Quebec, please click .
  • Rewards: N/A
  • Minimum Income Required: N/A

Scotiabank Value® Visa*

Annual Fee

$29

Purchase Interest Rate

12.99%

Cash Advance Rate

12.99%

Balance Transfer Rate

N/A

Additional Rates and Fees

  • Sign Up Bonus: 0.99% introductory interest rate on balance transfers for the first 6 months*
  • Rewards: N/A
  • Minimum Income Required: $20,000

No-Fee Scotiabank Value® Visa*

Annual Fee

$0

Purchase Interest Rate

16.99%

Cash Advance Rate

16.99%

Balance Transfer Rate

N/A

Additional Rates and Fees

  • Sign Up Bonus: 3.99% introductory interest rate on balance transfers for the first 6 months*
  • Rewards: N/A
  • Minimum Income Required: $20,000

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