Best Low Interest Credit Cards in Canada (2026)

Low interest credit cards charge a lower purchase rate than typical Canadian cards, which can matter if you sometimes carry a balance. Rewards are usually modest compared with cash-back or travel cards. Compare the annual fee against the rate difference, and whether a promotional rate expires. The cards below currently list Low Interest as the category in our data.

Showing 12 cards

BMO Preferred Rate Mastercard credit cardLow Interest

BMO Preferred Rate Mastercard

by BMO

Annual Fee$29
Welcome BonusGet a 0% introductory interest rate on Balance Transfers for...
CIBC Select Visa Card credit cardLow Interest

CIBC Select Visa Card

by CIBC

Annual Fee$29
Welcome BonusTransfer your credit card balance of $100 or more - get 0% i...
Desjardins Flexi Visa credit cardLow Interest

Desjardins Flexi Visa

by Desjardins

Annual Fee$0
MBNA True Line Gold Mastercard credit cardLow Interest
MBNA True Line Mastercard credit cardLow Interest

MBNA True Line Mastercard

by MBNA

Annual Fee$0
Welcome Bonus0% promotional AIR for 12 months on balance transfers comple...
National Bank MC1 Mastercard credit cardLow Interest

National Bank MC1 Mastercard

by National Bank

Annual Fee$0
National Bank Syncro Mastercard credit cardLow Interest

National Bank Syncro Mastercard

by National Bank

Annual Fee$35
RBC RateAdvantage Visa credit cardLow Interest

RBC RateAdvantage Visa

by RBC

Annual Fee$0
Welcome BonusN/A
RBC Visa Classic Low Rate Option credit cardLow Interest

RBC Visa Classic Low Rate Option

by RBC

Annual Fee$20
Welcome BonusEnjoy a 0.99% introductory interest rate for the first 10 mo...
Scotia Momentum Visa Card credit cardLow Interest

Scotia Momentum Visa Card

by Scotiabank

Annual Fee$39
Welcome BonusN/A
Scotiabank Value Visa Card credit cardLow Interest

Scotiabank Value Visa Card

by Scotiabank

Annual Fee$29
Welcome BonusGet a 0.99% promotional interest rate on balance transfers f...
TD Low Rate Visa Card credit cardLow Interest

TD Low Rate Visa Card

by TD

Annual Fee$25
Welcome BonusGet a 0% promotional interest rate on Purchases for the firs...

Compare cards side by side

Add up to three cards from this list, then open Compare to review fees, rates, and rewards together.

Go to Compare

More ways to browse