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Low Interest

Best Low Interest credit cards in Canada

Low-interest credit cards in Canada carry a lower purchase rate, which matters most if you carry a balance.

*a card is filed here when the lowest purchase APR we hold for it is under 13%, or the source listing we imported it from files it as low-rate.

24
Low Interest cards filed
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The ledger

All Low Interest cards in Canada

24 cards
Collabria Financial Services Inc.№ 5

Centra Gold Mastercard®

Mastercard issued by Collabria Financial Services Inc..

Low Interest
Annual feeC$50per year
Top earn rate1xTwo independent reads agree · not quoted verbatimOther
Collabria Financial Services Inc.№ 6

Centra Visa* Gold Card

Visa card issued by Collabria Financial Services Inc..

Low Interest
Annual feeC$50per year
Top earn rate1xTwo independent reads agree · not quoted verbatimOther
CIBC№ 8

CIBC bizline Visa Card

Visa card issued by CIBC.

BusinessLow Interest
Annual feeC$0per year
Top earn rateNot confirmed
CIBC№ 9

CIBC Select Visa Card

Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee

Low Interest
Annual feeC$29per year
Top earn rateNot confirmed
Desjardins№ 12

Flexi Visa

Visa card issued by Desjardins.

Low InterestTravel Insurance
Annual feeNot confirmed
Top earn rateNot confirmed
MBNA Canada№ 15

MBNA True Line® Mastercard®

Welcome offer: You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening.

Balance TransferLow Interest
Annual feeC$0per year
Top earn rateNot confirmed
Scotiabank№ 19

Scotiabank Value® Visa* Card

Visa card issued by Scotiabank.

Balance TransferLow Interest
Annual feeC$29per year
Top earn rateNot confirmed
National Bank of Canada№ 22

Syncro Mastercard

Mastercard issued by National Bank of Canada.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
TD Bank Group№ 24

TD Low Rate Visa Card

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.

Low Interest0% Intro Purchases
Annual feeC$25per year
Top earn rateNot confirmed
Questions

Frequently asked

What is the best low interest credit card in Canada?

The best low interest card in Canada depends on your spending and goals. We list every low interest card we hold — 24 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a low interest credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a low interest card with other cards?

Yes. Many people pair a low interest card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these low interest card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.