Low Interest Credit Card Offers

Updated on February 7, 2022

Low Interest Cards



CIBC Select Visa* Card


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

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†

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 automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

Apply Now

†Conditions Apply



HSBC +Rewards™ Mastercard®


Primary Cardholder Annual Fee: $25 (1st year annual fee rebate)
Authorized User Annual Fee: $10 Per Card
Annual interest rate: 11.9% on purchases and 11.9% on cash advances and balance transfers.

• Special offer: Earn up to 35,000 points* ($175 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year ($25 value). Must apply by October 31, 2022. Conditions apply.
• Earn 30,000 points* when you spend $2,000 within 6 months of account opening ($150 travel value)
• Earn 5,000 points* when you start your application online ($25 travel value)
• First year annual fee rebate for the primary cardholder* ($25 value)
• Earn 2 Points for every $1 spent on eligible dining or entertainment purchases
• HSBC's lowest interest rate for purchases, cash advances and balance transfers

• Price Protection Service - find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item

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*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence

This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer)


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

• No annual fee
• Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% 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
• Around-the-clock fraud protection
• Use available credit on your credit card to transfer funds right to your chequing account.
Apply for the MBNA True Line® Mastercard® credit card today
• This offer is not available for residents of Quebec.


Apply Now

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.


✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

† Promotional Rates: Balance Transfers: 0.00% This Promotional Rate applies to any balance transfers made within 90 day(s) of your account opening (each, an "eligible transaction") and will remain in effect for 12 Statement Periods from the transaction date of each eligible transaction. The Promotional Rate will increase and the remaining balance of the eligible transaction will become subject to the Standard Rate for balance transfers either: (1) on the first day of the first Statement Period that occurs after the expiry of the Promotional Rate; or (2) on the first day of the second Statement Period following any late Minimum Payment. Other conditions apply. Offer may be changed, extended or withdrawn at any time, without notice. Standard Rates: Purchases: 12.99% Balance transfers and access cheques: 12.99% Cash advances: 24.99%

Default Rates: If your Minimum Payment is late twice within any [12] consecutive Statement Periods (the "change event"), the Standard Rate(s) that apply to your account at that time will increase to the following new Standard Rate(s): Purchases: 19.99% Balance transfers and access cheques: 21.99% Cash advances: 24.99%

The new Standard Rate(s) will apply on the first day of the second Statement Period following the change event. If you then pay each Minimum Payment on time for [12] consecutive Statement Periods ("cure period"), the new Standard Rate(s) will decrease to the Standard Rate(s) that applied on your account at the time of the change event. Such rates will apply on the first day of the first Statement Period that occurs after the cure period.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.


MBNA True Line® Gold Mastercard® credit card


• $39 annual fee
• Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances
• Around-the-clock fraud protection
• Access to 24/7 customer service
• This offer is not available for residents of Quebec


Apply Now

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.


✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.


Scotiabank Value® Visa* Card

Card Type: Credit   
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

• 0.00% introductory interest rate on Cash Advances for the first 6 months (12.99% after that)Plus annual fee waived for the first year
• 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

Apply Now



National Bank Syncro Mastercard

Annual Fee $35 Additional Cards: $0
Annual interest rate 8.90% (min) or prime rate + 4% on purchases and 12.90% (min) or prime rate + 4% on funds advances

• 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

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Cards with limited time low interest offers



BMO AIR MILES®† MasterCard®*

Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*
- and there’s No annual fee
- and a 1.99% introductory interest rate on Balance Transfers for 9 months*. 1% 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 $12 spent at any eligible grocery store*.
- Get 1 Mile for every $25 spent everywhere else*
- Earn more reward miles when you use your card at Shell, National Car Rental and Alamo Rent A Car
- Extended Warranty
- Purchase Protection
- Interest Rate: Purchases: 20.99% Cash Advances 22.99% (21.99% for Quebec residents)

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Scotia Gold American Express Card


Annual Fee $120 Additional Cards: $29

Earn up to 40,000 bonus Scene+™ points in your first year (that’s up to $400 towards travel) and first year annual fee waived.1

• 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 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
• Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
• Earn 1X Scene+ point for every $1 spent on every other purchase
• Complimentary Concierge Services 24/7
• Amex exclusive benefits (Front Of The Line)
• Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
• Receive up to 25% off qualifying car rentals
• Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
• Redeem points for merchandise and other rewards

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Scotiabank Value® Visa* Card

Card Type: Credit   
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

• 0.00% introductory interest rate on Cash Advances for the first 6 months (12.99% after that)Plus annual fee waived for the first year
• 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

Apply Now



Scotia Momentum® Visa* card


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

• Get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that)
• 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.

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Tangerine World Mastercard®

Annual Fee $0 Additional Cards: $0
Minimum Income: $60,000 personal or $100,000 household

Special Offer:

Apply for a Tangerine World Mastercard by September 30th, 2022 and earn an extra 15% back* (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.

• 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.

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