Low Interest Cards Cards
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American Express Essential™ Credit Card
- Enjoy a low 8.99% interest rate on purchases
- Have the flexibility to pay your balance in full or over time
Purchases Intro APR
N/A
INTRO BALANCE TRANSFER APR
1.99%
REGULAR BALANCE TRANSFER APR
N/A
ESTIMATED SAVINGS
Credit Needed
Excellent
- Enjoy a low 8.99% interest rate on purchases
- Have the flexibility to pay your balance in full or over time
- Optional Balance Transfer Offer to new Cardmembers – Enjoy a 1.99% interest rate in the first 6 months if you choose to transfer your other credit card balances to this American Express card*
- Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application*
- Access to memorable experiences with American Express Invites™
- Shopping coverage and 24/7 Customer Service
- 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.
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Scotiabank Value® Visa*
- Special 0.99% introductory interest rate on balance transfers for the first 6 months
- Pay down higher interest rate balances faster when transferred to your card
Purchases Intro APR
N/A
INTRO BALANCE TRANSFER APR
0.99%
REGULAR BALANCE TRANSFER APR
N/A
ESTIMATED SAVINGS
Credit Needed
Excellent
- Special 0.99% introductory interest rate on balance transfers for the first 6 months
- Pay down higher interest rate balances faster when transferred to your card
- Simplify your monthly payments by consolidating all your higher interest outstanding balances on this card
- Annual Fee $29
- Interest Rate/Purchase Rate: 11.99%
- Interest Rate/Cash Advance: 11.99%
- Up to 20% AVIS rental car discount
- Estimated first year rewards on credit card account following approval and if all requirements for rewards are met
- See Issuer’s site for full details.
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Home Trust Secured Annual Fee Visa Card
- The Home Trust Secured Visa Card is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $10,000.
- Make purchases over the phone or online
Purchases Intro APR
14.9%
INTRO BALANCE TRANSFER APR
N/A
REGULAR BALANCE TRANSFER APR
N/A
ESTIMATED SAVINGS
Credit Needed
Excellent
- The Home Trust Secured Visa Card is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $10,000.
- Make purchases over the phone or online
- Plan and book a vacation
- Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo
- Shop at over 24 million locations worldwide
- Applicants who have been discharged from Bankruptcy are eligible to apply at any time (Discharge Certificate may be requested)
- Applicants who are in a Consumer Proposal can apply at any time
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Visa Classic Low Rate Option
- Worldwide access to cash advances of up to $500 daily (up to your available credit limit)††
- Accepted at more than 600,000 locations in Canada and over 24 million worldwide
Purchases Intro APR
N/A
INTRO BALANCE TRANSFER APR
11.99%
REGULAR BALANCE TRANSFER APR
N/A
ESTIMATED SAVINGS
Credit Needed
Excellent
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Laurentian Visa Black Reduced Rate
- You’re protected against the unauthorized use of your card or information about your account with Visa’s Zero Liability3 policy, at no extra cost to you
- You can safely shop online thanks to Verified by Visa or Visa Checkout
Purchases Intro APR
N/A
INTRO BALANCE TRANSFER APR
12.49%
REGULAR BALANCE TRANSFER APR
N/A
ESTIMATED SAVINGS
Credit Needed
Excellent
- You’re protected against the unauthorized use of your card or information about your account with Visa’s Zero Liability3 policy, at no extra cost to you
- You can safely shop online thanks to Verified by Visa or Visa Checkout
- 21-day interest-free payment deferment until the date shown on your statement
- Possibility of access to virtual mail statement
- Balances tranfer to other credit cards possible
- Cards accepted in over 150 countries
- Cash advances available from 800,000 automatic teller machines and 400,000 financial institutions
- Free additional cards
- Easy account payment by Internet, telephone, mail or at Bank Branches
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Desjardins Classic Visa
- Pay less for a low-rate card
- 3-Day Travel Insurance
Purchases Intro APR
N/A
INTRO BALANCE TRANSFER APR
12.9%
REGULAR BALANCE TRANSFER APR
N/A
ESTIMATED SAVINGS
Credit Needed
Excellent
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CIBC Select Visa
- Get a low interest rate of 13.99% with a $29 annual fee1
- Enjoy perks such as Avis and Budget car rental discounts
Purchases Intro APR
N/A
INTRO BALANCE TRANSFER APR
13.99%
REGULAR BALANCE TRANSFER APR
N/A
ESTIMATED SAVINGS
Credit Needed
Excellent
| Card | 0% Intro BT APR Period | Annual Fee | Regular APR | |
|---|---|---|---|---|
| Discover it® | 18 Months | 5.00% | $447.28 | 11.99% - 23.99% Variable |
| The Amex EveryDay® Credit Card from American Express | 12 Months | N/A | 13.99% - 23.99% Variable | |
| Citi® Diamond Preferred® Card | 21 Months | 3.00% | $515.76 | 13.99% - 23.99% Variable |
| Citi Simplicity® Card | 21 Months | 3.00% | $512.31 | 14.99% - 24.99% Variable |
| Citi® Double Cash Card | 18 Months | 3.00% | $435.72 | 14.49% - 24.49% Variable |
| Chase Freedom Unlimited® | 15 Months | 5.00% | $420.22 | 15.99% - 24.74% Variable |
| Wells Fargo Platinum Visa® Card | 18 Months | 3.00% Intro | $367.95 | 16.15% - 25.99% Variable |
| JetBlue Card | 12 Months | 3.00% | $329.73 | 12.99%, 20.99% or 25.99% Variable |
| Chase Freedom® | 15 Months | 5.00% | $420.22 | 15.99% - 24.74% Variable |