Low Interest Credit Card Offers

Updated on November 2, 2023

Cards with limited time low interest offers

Low Interest Cards

CIBC Select Visa* Card

Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†

Annual Fee $29 | Additional Cards (Up to 3): $0 | Annual interest rate 13.99%† on purchases and 13.99%† on cash advances | $15,000 household annual income

Terms & Conditions apply

Check full offer details below†
Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee†
• 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 for your first 10 months. You’ll only have to pay a 1% fee† 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.

Save on gas with CIBC and Journie Rewards
Link and use your CIBC Select Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

Click here to apply for the CIBC Select Visa* Card

† Terms & Conditions Apply. The information for the CIBC Select Visa has been collected independently by Rewards Canada. The card details on this page have not been reviewed or provided by the card issuer.

MBNA True Line® Gold Mastercard® credit card

Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers✪, and 24.99% on cash advances

$39 annual fee | $0 Additional Card | Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers✪, and 24.99% on cash advances|

Terms & Conditions apply

$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
Click here to apply for the MBNA True Line® Gold Mastercard® credit card

✪, 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 on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank..

MBNA True Line® Mastercard® credit card

You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee.

$0 annual fee | $0 Additional Card | Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances|

Terms & Conditions apply

No annual fee
Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances
You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee.
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.
Click here to apply for the MBNA True Line® Mastercard® credit card

†, ✪, 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 on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank..

RBC® Visa‡ Classic Low-Rate Option

No introductory offers at this time.

Annual fee $20 | Additional Cards: $0 | Annual interest rate: 12.99% on purchases, 12.99% on cash advances and balance transfers | Credit Rating: Good

Terms & Conditions apply

Low interest rate on purchases and cash advances
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

Click here to apply for RBC® Visa‡ Classic Low-Rate Option

Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

Scotiabank Value® Visa* Card

0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that annual fee $29).¹ Plus no annual fee in the first year.¹ Offer ends Oct 31, 2025.

Annual Fee: $29 | Additional Card Fee: $0 | Annual interest rate 12.99% on purchases and 12.99% on cash advances, balance transfers and Scotia Credit Card Cheques

Terms & Conditions apply

Save up to hundreds of dollars a year on interest
Low interest rate of 12.99%
Pay down higher interest rate balances faster
Transfer higher rate balances and save even more
Click here to apply for Scotiabank Value® Visa* Card

*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information

National Bank Syncro Mastercard

$75 cashback offer : You will receive a $75 cashback if $1,500 in net purchases is charged to the credit card account within the first three months following account opening. The account must be in good standing at the time cashback is applied.
To take advantage of this offer, you must sign up for the National Bank® mycredit® Mastercard® credit card by June 30, 2022. This promotion is only valid through strategic partners like Rewards Canada.

Annual Fee $35 | Additional Cards: $0 | Annual interest rate 11.2% (min) or prime rate + 4% on purchases and 15.2% (min) or prime rate + 8% on funds advances

Terms & Conditions apply

Low Interest Card
Purchase protection in case of theft or damage*
Extended warranty*
National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index

Click here to apply for National Bank Syncro Mastercard

Disclaimer

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.

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.

Purchase protection and Extended warranty

This coverage applies to purchases charged to the National Bank Syncro card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

Cards with limited time low interest offers
BMO AIR MILES®† MasterCard®* Limited time offer: Get 1,200 AIR MILES Bonus Miles!* That’s enough for $120 towards purchases with AIR MILES Cash* Annual Fee: $0 \| Additional Card Fee: $0 \| Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents) Terms & Conditions apply Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.* Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store. 2x the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers. Get 1 Mile for every $25 spent everywhere else Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it! Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up! Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both* Receive a discount on car rentals* Extended Warranty Purchase Protection Click here to apply for BMO AIR MILES®† MasterCard®* *Terms and conditions apply BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
Scotiabank Gold American Express Card 2025 Top Travel Points Credit Card with an annual fee Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points¹. Offer ends Jul 1, 2025 Annual Fee: $120 \| Additional Cards: $29 \| Minimum Income $12,000 Terms & Conditions apply Bonus offer broken down as follows: - Earn 20,000 bonus Scene+ Rewards points by making at least $2,000 in everyday eligible purchases in your first 3 months. - Earn 20,000 bonus Scene+ Rewards points when you spend $7,500 within your first 12 months You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies Earn 6x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more Earn 5x Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions. Earn 5x Scene+ points¹ for every $1 you spend in Canada eligible entertainment purposes.Includes movies, theatre and ticket agencies stores. Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options.Includes rideshares, buses, subway, taxis and more Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming sevices Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia No Foreign Transaction Fee Comprehensive Travel Insurance coverage AMEX Offers AMEX Front of the Line American Express Invites Complimentary Concierge Services Rates, fees and other information are effective as of January 3, 2025. Subject to change. Click here to apply for Scotiabank Gold American Express Card *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information
Scotiabank Value® Visa* Card 0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that annual fee $29).¹ Plus no annual fee in the first year.¹ Offer ends Oct 31, 2025. Annual Fee: $29 \| Additional Card Fee: $0 \| Annual interest rate 12.99% on purchases and 12.99% on cash advances, balance transfers and Scotia Credit Card Cheques Terms & Conditions apply Save up to hundreds of dollars a year on interest Low interest rate of 12.99% Pay down higher interest rate balances faster Transfer higher rate balances and save even more *Click here to apply for Scotiabank Value® Visa Card** *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information
Scotia Momentum® Visa* card Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)¹ Offer ends Oct 31, 2024 Annual Fee $39 \| Supplementary Cards: $0 \| Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques Terms & Conditions apply Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments. Earn 1% cash back on all other eligible purchases. *Click here to apply for Scotia Momentum® Visa card** *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information
Tangerine World Mastercard® Apply for a Tangerine World Mastercard® by January 31, 2025. If you’re approved, you’ll earn an extra 10% back on up to $1,000 in everyday purchases made within your first 2 months.. Annual Fee: $0 \| Additional Cards: $0 \| Minimum Income: $60,000 personal or $100,000 household Terms & Conditions apply Personalized categories and unlimited money-back rewards monthly Automatic earning: Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account. No annual fee Earn 2% cashback on your choice of up to 3 categories, 0.5% money back on all other purchases Change your 2% Money-back categories to suit your spending from your choice of 10 categories 1.95% on Balance Transfers for six months Rental Car Collision/Loss Damage Insurance: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card. Mobile Device Insurance: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure. Mastercard® Travel Pass Provided By DragonPass‡ Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Click here to apply for Tangerine World Mastercard®