low interest

Most low rate credit cards usually have an annual fee or require good to excellent credit. The interest rates shown are the best possible rates available and may be subject to the cardholder's credit rating. Some interest rates fluctuate as they are based on Canada's prime interest rate. Low interest cards are ideal for those who carry a balance. There are many low interest credit cards that also come with rewards programs, but these cards generally have a higher annual fee. Minimum payments must be met on time each month otherwise your interest rate will increase significantly with most cards.

Low interest Credit Cards

Credit Cardsort iconAnnual FeesInterest RateCredit Required
alterna-platinum-mastercard.jpgAlterna Platinum Plus MasterCard$09.99%Good
alterna-worldpoints-mastercard.jpgAlterna WorldPoints Low Fee MasterCard$2912.99%Good
card_Preferred_Rate.gifATB Preferred Fixed Rate MasterCard$299.9%Fair
card_Preferred_Rate.gifATB Preferred Variable Rate MasterCard$296%Good
BMO_AIR_MILES_MasterCard_SPECIALCODE_154x118.gifBMO Air Miles Low Rate MasterCard$3512.9%Fair
BMO_AIR_MILES_Business_Card_NoChip_154x98.gifBMO Air Miles Low Rate MasterCard for Business$5012.9%Good
AEF_Card_AEF_154x118.gifBMO Alberta Equestrian Federation MasterCard$019.5%Fair
Alberta_Snowmobile_Card_ASA_154x118.gifBMO Alberta Snowmobile Association MasterCard$019.5%Fair
U_Manitoba_Card_UOFMANALU_154x118.gifBMO Alumni Association Inc. of the University of Manitoba MasterCard$019.5%Fair
SFU_Card_SFU_154x118.gifBMO Alumni Association of Simon Fraser University MasterCard$019.5%Fair
APEGGA_Card_APEGGA_154x118.gifBMO APEGGA Education Foundation MasterCard$019.5%Fair
Atlantic_Salmon_Card_AS_154x118.gifBMO Atlantic Salmon Federation MasterCard$019.5%Fair
BC_Snowmobile_Card_BCSF_154x118.gifBMO BC Snowmobile Federation MasterCard$019.5%Fair
BC_SPCA_Card_BCSPCA_154x118.gifBMO BC SPCA MasterCard$019.5%Fair
BCIT_Card_BCIT_154x118.gifBMO British Columbia Institute of Technology MasterCard$019.5%Fair
BCMedicalAssc_Card_BCMA_154x118.gifBMO British Columbia Medical Association MasterCard$019.5%Fair
Calgary_Stampede_Card_NoChip_STAMPEDE_154x118.gifBMO Calgary Stampede MasterCard$019.5%Fair
Calgary_Zoo_Card_ZOO_154x118.gifBMO Calgary Zoo MasterCard$019.5%Fair
Canadian_Art_Card_CANART_154x118.gifBMO Canadian Art Foundation MasterCard$019.5%Fair
CAMRT_Card_CAMRT_154x118.gifBMO Canadian Association of Medical Radiation Technologists MasterCard$019.5%Fair
Cdn_Cattlemen_Card_CATTLEMEN_154x118.gifBMO Canadian Cattlemen's Association MasterCard$019.5%Fair
Cdn_Dental_Assit_Assn_Card_CDAA_154x118.gifBMO Canadian Dental Assistants' Association MasterCard$019.5%Fair
CdnDentHygAssoc_Card_CDHA_154x118.gifBMO Canadian Dental Hygienists Association MasterCard$019.5%Fair
CdnKennelClub_Card_KENNEL_154x118.gifBMO Canadian Kennel Club MasterCard$019.5%Fair
COPA_COPA_154x118.gifBMO Canadian Owners & Pilots Association MasterCard$019.5%Fair
Cdn_Parents_French_Card_CPF_154x118.gifBMO Canadian Parents for French MasterCard$019.5%
CPA_Card_CPPA_154x118.gifBMO Canadian Police Association MasterCard$019.5%Fair
CRC_Card_REDCROSS_154x118.gifBMO Canadian Red Cross MasterCard$019.5%Fair
Cdn_Scholarship_Trust_Card_CST_154x118.gifBMO Canadian Scholarship Trust Foundation MasterCard$019.5%Fair
Snowboarding_Card_SNOWBOARD_154x118.gifBMO Canadian Snowboarders MasterCard$019.5%Fair
Cdn_Soc_Medical_Scien_Card_CSMLS_154x118.gifBMO Canadian Society for Medical Laboratory Science MasterCard$019.5%Fair
CVFSA_Card_CVFSA_154x118.gifBMO Canadian Volunteer Fire Services Association MasterCard$019.5%Fair
Canadian_Yachting_Card_SAILING_154x118.gifBMO Canadian Yachting Association MasterCard$019.5%Fair
CRS_Card_CRS_154x118.gifBMO Cancer Research Society MasterCard$019.5%Fair
BMO_CashBack_MasterCard_SPECIALCODE_154x118.gifBMO CashBack Low Rate MasterCard$3512.9%Fair
CGAA_Card_CGA_154x118.gifBMO CGA Canada MasterCard$019.5%Fair
CPAC_big.gifBMO Chinese Professionals Association of Canada MasterCard$019.5%Fair
CHL_Generic_Card_Eng_CHL_154x118.gifBMO CHL MasterCard$019.5%Fair
Concordia_Card_NoChip_CONCORALU_154x118.gifBMO Concordia University MasterCard$019.5%Fair
Cross_Country_Ski_Card_SPECIALCODE_154x118.gifBMO Cross Country Canada MasterCard$019.5%Fair
Dragon_Boat_Card_DRAGONBOAT_154x118.gifBMO Dragon Boat Canada MasterCard$019.5%Fair
EHS_Card_EHS_154x118.gifBMO Edmonton Humane Society MasterCard$019.5%Fair
Edvantage_Card_EDVANT_154x118.gifBMO Edvantage MasterCard$019.5%Fair
EquineCanada_Card_EQUINE_154x118.gifBMO Equine Canada MasterCard$019.5%Fair
BMO_Gold_AIR_MILES_MasterCard_SPECIALCODE_154x118.gifBMO Gold Air Miles Low Rate MasterCard $13412.9%Good
BMO_Gold_AM_Business_Card_NoChip_154x98.gifBMO Gold Air Miles Low Rate MasterCard for Business$16912.9%Good
AffinityGoldCard154x118.gifBMO Golden Key MasterCard$019.5%Fair
Gymnastics_card_GYMCAN_154x118.gifBMO Gymnastics Canada MasterCard$019.5%Fair
Juvenile_Diabetes_Card_NoChip_JDRF_154x118.gifBMO Juvenile Diabetes Research Foundation MasterCard$019.5%Fair
Luso_Card_LUSO_154x118.jpgBMO Luso MasterCard$019.5%Fair
MADD_Card_MADD_154x118.gifBMO MADD Canada MasterCard$019.5%Fair
McMaster_Card_MACALU_154x118.gifBMO McMaster MasterCard$019.5%Fair
Mohawk_College_Card_MOHALU_154x118.gifBMO Mohawk College Alumni MasterCard$019.5%Fair
Mt_Royal_Card_154x118.jpgBMO Mount Royal University MasterCard$019.5%Fair
NAIT_Card_NAITALU_154x118.gifBMO Northern Alberta Institute of Technology MasterCard$019.5%Fair
Anglers_Hunters_Card_OFAH_154x118.gifBMO Ontario Federation of Anglers & Hunters MasterCard$019.5%Fair
OFSC_OFSC_154x118.gifBMO Ontario Federation of Snowmobile Clubs MasterCard$019.5%Fair
Ont_SPCA_Card_OSPCA_154x118.gifBMO Ontario SPCA MasterCard$019.5%Fair
Outdoor_Recreation_Card_ORFBC_154x118.gifBMO Outdoor Recreational Foundation of BC MasterCard$019.5%Fair
PADI_Card_NoChip_PADI_154x118.gifBMO PADI Canada MasterCard$019.5%Fair
preferred-rate.jpgBMO Preferred Low Rate MasterCard$2011.9%Fair
preferred-rate.jpgBMO Preferred Low Rate MasterCard for Business$2512.9%Good
preferred-rate.jpgBMO Preferred Rate MasterCard$017.5%Fair
BMO_Preferred_Rate_Business_Card_NoChip_154x98.gifBMO Preferred Rate MasterCard for Business$017.5%Good
BMO_Premium_CashBack_MasterCard__154x118.gifBMO Premium CashBack Low Rate MasterCard$8412.9%Fair
premium-CB.jpgBMO Premium CashBack Low Rate MasterCard for Business$11912.9%Good
RNAO_Card_RNAO_154x118.gifBMO Registered Nurses' Association of Ontario MasterCard$019.5%Fair
Saskatch_Snowmobile_Card_SSA_154x118.gifBMO Saskatchewan Snowmobile Association MasterCard$019.5%Fair
Ski_Canada_Card_SKI_154x118.gifBMO Ski Canada MasterCard$019.5%Fair
manitoba_big.jpgBMO Snowmobilers of Manitoba MasterCard$019.5%Fair
BMO_Soccer_MasterCard_NoChip_154x118.gifBMO Soccer MasterCard$019.5%Fair
SPC.jpgBMO SPC Air Miles Low Rate MasterCard$3512.9%None
SPC.jpgBMO SPC CashBack Low Rate MasterCard$3512.9%None
St_FX_Card_STFX_154x118.gifBMO St. Francis Xavier University MasterCard$019.5%Fair
StandardBred_Canada_Card_SBC_154x118.gifBMO Standardbred Canada MasterCard $019.5%Fair
Support_Our_Troops_Card_SOT_154x118.gifBMO Support Our Troops MasterCard$019.5%Fair
U_Guelph_SPC_Card_GUELPHSPC_154x118.gifBMO University of Guelph Alumni Association MasterCard$019.5%Fair
U_Lethbridge_Card_LETHBRIDGE_154x118.gifBMO University of Lethbridge MasterCard$019.5%Fair
U_Regina_Card_UORALU_154x118.gifBMO University of Regina Alumni Association MasterCard$019.5%Fair
BMO_USask_MasterCard_154x118.gifBMO University of Saskatchewan MasterCard$019.5%Fair
UWaterloo_Card_WATALUM_154x118.gifBMO University of Waterloo MasterCard$019.5%Fair
U_Winnipeg_Card_UWINALUM_154x118.gifBMO University of Winnipeg MasterCard$019.5%Fair
WLU_Card_WLU_154x118.gifBMO Wilfrid Laurier University Alumni Association MasterCard$019.5%Fair
Winnipeg_Humane_Soc_Card_WHS_154x118.gifBMO Winnipeg Humane Society MasterCard$019.5%Fair
WSPA_Card_WSPA_154x118.gifBMO World Society for the Protection of Animals MasterCard$019.5%Fair
Yee_Hong_Wellness_Card__YEEHONG_154x118.gifBMO Yee Hong Community Wellness Foundation MasterCard$019.5%Fair
MCNoFee.JPGBridgewater Bank CAA Low Rate MasterCard$2911.99%Fair
Cdn_Forestry_Assoc_Card_CF_154x118.gifCanadian Forestry Association MasterCard$019.5%Fair
fusion-platinum_222x140.pngCapital One Fusion Platinum MasterCard$09.9%Good
classic-gold_222x140.pngCapital One Gold MasterCard with a 11.9% Interest rate$1911.9%Good
classic-gold_222x140.pngCapital One Gold MasterCard with a 14.9% Interest rate$9914.9%Good
classic-gold_222x140.pngCapital One Gold MasterCard with a 9.9% Interest rate$499.9%Good
lowrate-gold_222x140.pngCapital One Low Rate Guaranteed MasterCard$7914.9%Bad
secured-blue_222x140.pngCapital One Low Rate Guaranteed Secured MasterCard$6914.9%Bad
platinum-599_222x140.pngCapital One SmartLine Platinum MasterCard$05.99%Good
textblock-aerogoldbusiness-en.gifCIBC Aerogold Visa for Business$18010.9%Good
textblock-bizline-en.gifCIBC Bizline Visa$04.5%Good
textblock-select-en.gifCIBC Select Visa$2911.99%Fair
shared_interest_visa.jpgCitizens Bank Shared Interest Classic Rewards Low Rate Visa$5011.25%Fair
cbc-sharedinterest-visa.gifCitizens Bank Shared Interest Classic Visa$019.5%Fair
gold_visa.jpgCitizens Bank Shared Interest Gold Low Rate Visa$4511.25%Good
gold_visa.jpgCitizens Bank Shared Interest Gold Rewards Low Rate Visa$14511.25%Good
coast-business-visa.jpgCoast Capital Desjardins Business Visa$509.75%Good
coastcapital-modulogold-visa.gifCoast Capital Desjardins Modulo Gold Visa$509.9%Good
coast-platinum-visa.gifCoast Capital Desjardins Platinum Visa$1309.9%Excellent
coast-classic-visa.gifCoast Capital Low Interest Rate Desjardins Classic Visa$2511.4%Fair
coastcapital-elegance-visa.gifCoast Capital Low Interest Rate Desjardins Elegance Visa$2512.4%Good
coast-odyssey-visa.gifCoast Capital Low Interest Rate Desjardins Odyssey Gold Visa$12411.4%Good
coastcapital-student-visa.gifCoast Capital Low Interest Rate Desjardins Student Visa$2511.4%Fair
desjarins-elegance-gold.gifDesjardins Elegance Gold Visa$019.9%Fair
desjardins-studentonly-visa.gifDesjardins Low Interest Student Only Visa$2510.4%None
desjardinsmodulo-gold.gifDesjardins Modulo Gold Visa$509.9%Good
hometrust-equityline-visa.gifHome Trust EquityLine Visa$06.99%None
hsbc_mastercard_cardimage_2011.jpgHSBC Low Rate Cash Back Rewards MasterCard$7012.9%
hsbc_mastercard_cardimage_2011.jpgHSBC Low Rate MasterCard$3512.9%Fair
hsbc_mastercard_cardimage_2011.jpgHSBC Low Rate Travel Rewards MasterCard$7012.9%Fair
laurentian_black_reduced_rate_visa.jpegLaurentian Bank Black Reduced Rate Visa$2511.49%Fair
mbna-canadianbarassociation-mastercard.jpgMBNA Canadian Bar Association Platinum Plus MasterCard$09.99%Good
gold-mastercard.pngMBNA Gold MasterCard$09.99%Good
nbc-allure-mastercard.jpgNational Bank Reduced Rate Allure MasterCard$4514.5%Fair
nbc-business-mastercard.jpgNational Bank Reduced Rate Business MasterCard$1513.9%Good
nbc-escapade-mastercard.gifNational Bank Reduced Rate Escapade MasterCard$3514.5%Fair
nbc-gold-mastercard.gifNational Bank Reduced Rate Gold Edition MasterCard$1514.5%Good
nbc-husky-mastercard.jpgNational Bank Reduced Rate Husky/Mohawk MasterCard$1514.5%Fair
nbc-mastercard.jpgNational Bank Reduced Rate MasterCard$1514.5%Fair
nbc-ovation-mastercard.gifNational Bank Reduced Rate Ovation Gold MasterCard$10514.5%Good
nbc-platinum-mastercard.gifNational Bank Reduced Rate Platinum MasterCard$13514.5%Good
nbc-premia-business-mastercard.jpgNational Bank Reduced Rate Premia Business MasterCard$6013.9%Good
nbc-premia-business-mastercard.jpgNational Bank Reduced Rate Premia Business Rewards MasterCard$12013.9%Good
nbc-sunoco-mastercard.jpgNational Bank Reduced Rate Sunoco MasterCard$1514.5%Fair
nbc-ultramar-mastercard.jpgNational Bank Reduced Rate Ultramar MasterCard$1514.5%Fair
nbc-syncro-mastercard.jpg.gifNational Bank Synchro MasterCard$359.75%Fair
value-visa-en.gifNo Fee Scotiabank Value Visa$014.99%Fair
nscu-lowrate-mc.gifNorth Shore Credit Union Low Rate MasterCard$3011.99%
nscu-lowraterewards-mc.gifNorth Shore Credit Union Low Rate Rewards MasterCard$5411.99%
m_classic_lr.gifRBC Visa Classic Low Rate$2011.99%Fair
value-visa-en.gifScotiabank Value Visa$2911.49%Fair
scotialine-visa-en.gifScotialine for Business Visa$04%
scotialine-visa-en.gifScotialine Visa Account$04%Good
emerald_card.jpgTD Emerald Visa$254.75%Fair
card-classic.jpgVancity Low Rate enviro Classic Visa$2511.25%Fair
card-gold.jpgVancity Low Rate enviro Gold Visa$4511.25%
card-classic.jpgVancity Low Rate Rewards enviro Classic Visa$5011.25%Fair
card-gold.jpgVancity Low Rate Rewards enviro Gold Visa$14511.25%Good

* Restrictions or additional fees may apply. Check the credit card's web site or fine print for more information.