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Low Rate Credit Cards

Many credit cards offer low introductory rates.  Some offer low rates for a period of time, usually 6 months to a year.  Some offer low rates only on balance transfers from other cards. There are some credit cards which offer a low rate of interest on a permanent basis.  Many of these have yearly fees while some do not.  As you can see this can be kind of confusing so we have provided detailed information about many credit cards which offer low rates below.
 




  


Desjardins Modulo GOLD VISA
   
   

BONUSDOLLARS Rewards Program
    3 Day Complimentary Travel Insurance
    A second credit limit with Accord D Desjardins financing
    Purchase Protection and Extended Warranty
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
8.4% $115 $5,000 Excellent Credit

Desjardins Platinum VISA
   
   

With the VISA Desjardins Platinum card, you accumulate up to 2% on purchases made in BONUSDOLLARS:
    1% annual cash back program: as soon as purchases made with your card reach CAN$20,000 per year, a credit equal to 1% of purchases beyond that amount will be credited to your account on the account anniversary date.
    Emergency Health Care Coverage up to $5,000,000 for up to 48 days per trip.
    Auto Rental Collision/Loss Damage Insurance up to consecutive 48 days.
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
8.4% $130 $5,000 Excellent Credit
 
Desjardins Odyssey Low Rate GOLD VISA
   
   

The GOLD card that provides you a complete insurance coverage for your travel needs and on your purchases, as well as our unique and flexible BONUSDOLLARS Rewards Program.
    Earn up to 2% in BONUSDOLLARS
    ZERO responsibility in case of Internet fraud
    A complete family travel insurance coverage
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
8.9% $115 $5,000 Excellent Credit

Desjardins Classic VISA
   
   

Choice of 4 colours: Vision Blue, Evolution Yellow, Liberty Green and Passionate Red
    Cash advances of up to $2,500 per day, anywhere in the world!
    Free additional cards for your spouse or family members.
    
Interest Rate Annual Fee Minimum credit limit Credit Needed
8.9% $25 $500 Fair Credit

 
Desjardins Low Rate d.plan Students VISA
   
   

Stand out! VISA Desjardins offers you the first translucent credit card in Canada. The VISA Desjardins d.plan for Students card is an excellent way to build that all-important credit rating while benefiting from the convenience of a VISA card, accepted all over the world.
    Choice of three colours: Nitro (lemon yellow), Synergy (green), Quasar (copper)
    VISA Desjardins ?la carte Ticket Service, for priority access to tickets sold through the Admission and Billetech networks;
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
8.9% $25 $300 No Credit

VanCity Low Rate EnviroFund VISA

   
   

Almost anything you buy with your VanCity EnviroFund VISA card will be repaired, replaced or reimbursed in the event of theft or damage within 90 days of purchase.
    The manufacturer's warranty on most items you purchase doubles or extends (up to one year) when you use your VanCity EnviroFund VISA card
    You'll receive up to $200,000 of Travel Accident Insurance at no charge when you use your VanCity EnviroFund VISA card to purchase your common carrier fare
    In the event of an emergency, you'll receive a replacement card, usually within 48 hours
    



Interest Rate Annual Fee Minimum credit limit Cash Advances Credit Needed
9.75% $25 $500 Up to $500 Fair Credit

Scotiabank Value VISA Card
Scotiabank Value VISA Card
   
   

Pay lower interest rates
    Up to 26 day interest-free grace period on new purchases 
    AVIS Car Rental discounts
    Free Scotia VISA Cheques
    
Apply for the Scotiabank Value VISA Card

Find out more about the Scotiabank Value VISA Card
Interest Rate Annual Fee Minimum credit limit Cash Advances Credit Needed
9.9% or
11.9% (no-fee)		 $29 or
no-fee option		 $500 Yes Good Credit

TD Emerald Visa Card
TD Emerald Visa Credit Card
   
   

Low competitive rate
    Guaranteed hotel reservations
    Budget Rent A Car Preferred Rates
    Cheque cashing privileges
    
Apply for the TD Emerald Visa Card

Find out more about the TD Emerald Visa Card
Interest Rate Annual Fee Minimum credit limit Cash Advances Credit Needed
TD Prime + 1.9% to
TD Prime + 6.9%		 $12 $1000 Up to $500 Good  Credit

National Bank of Canada Syncro Card
National Bank of Canada Syncro MasterCard
   
   

Benefit from a progressive and competitive rate comprised of a variable prime rate and a fixed adjustment rate of 4%
    Save on interest fees: you can transfer the balance of other cards with a higher interest rate than this one.
    Use it at more than 30 million merchants.
    


Interest Rate Annual Fee Minimum credit limit Cash Advances Credit Needed
Prime rate + 4 % None $500 Up to $500 Fair Credit
 
RBC VISA Classic Low Rate Option
   
   

Permanent low interest rate helps you save money when you carry a balance on your card.
    Instant discount and special offers from popular national retailers through the RBC Royal Bank Visa Instant Savings Program
    Guaranteed hotel reservations
    


Interest Rate Annual Fee Minimum credit limit Cash Advances Credit Needed
11.5% $20 $500 Up to $500 Fair Credit

Laurentian Bank Reduced Rate Black VISA Card

   
   

Competitive annual interest rate
    Guaranteed reservation services (Hotels)
    Easy payments access; personal cheques, telephone banking, Internet or Laurentian Bank's branches
    Payment protection available (Assur-payment)
    


Interest Rate Annual Fee Minimum credit limit Cash Advances Credit Needed
10.5% $29 $500 Up to $500 Fair Credit

CIBC Select VISA Card

CIBC Select VISA Card
   
   

Guaranteed hotel reservations.
    $100,000 Travel Accident Insurance - Common Carrier.
    Free personalized CIBC Classic Convenience Cheques
    Avis Car rental discounts of up to 20% on selected vehicles at participating locations.
    Emergency cash and card replacement.
    
Apply for the CIBC Select VISA Card

Find out more about the CIBC Select VISA Card
Interest Rate Annual Fee Minimum credit limit Cash Advances Credit Needed
10.5% $29 $500 Up to $1,000 Fair Credit

CS CO-OP Low Rate Standard MasterCard
   
   

Basic, everyday card that gives you convenience and value
    Peace of mind—Replace a lost or stolen card at any financial institution that honours MasterCard or receive up to $1000 in emergency funds (subject to credit availability).
    Extended warranty insurance—If you make a purchase with your card, it doubles the original manufacturer's warranty period up to a maximum of one additional year on most purchases.
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
7.9% cash advance
12.9% retail sales		 $15 $1,200 Fair Credit

CS CO-OP Low Rate Air Miles MasterCard
   
   

Earn one AIR MILE for every $20 charged to the card
    You can obtain an additional card on your account, issued free to your spouse or immediate family member.
    Peace of mind—Replace a lost or stolen card at any financial institution that honours MasterCard or receive up to $1000 in emergency funds (subject to credit availability).
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
7.9% cash advance
12.9% retail sales		 $50 $1,200 Fair Credit

CS CO-OP Low Rate Gold MasterCard
   
   

Premium travel benefits, world wide recognition
    Security—When you use your CS CO-OP Gold MasterCard to travel, rent a car or make a major purchase, our MasterAssist Circle of Protection kicks in with MasterRental collision damage waiver insurance, MasterPurchase extended warranty insurance, and MasterTrip common carrier AD&D insurance.
    Extended warranty insurance
    Optional out-of-Canada emergency medical insurance—For an additional $49 per year.
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
7.9% cash advance
12.9% retail sales		 $80 $5,000 Good  Credit

CS CO-OP Low Rate Air Miles Gold MasterCard
   
   

The perfect traveler's package: AIR MILES reward miles combined with premium travel benefits
    Extra benefits—You collect one AIR MILES reward mile for each $20 in purchases. But that's not all. You also receive the MasterAssist? Circle of Protection, offering you a comprehensive package of insurance and travel-assistance benefits. Plus you get a sign-up bonus of 100 AIR MILES reward miles with your first card purchase.
    Extended warranty insurance
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
7.9% cash advance
12.9% retail sales		 $115 $5,000 Good  Credit

CS CO-OP Low Rate Student MasterCard
   
   

Everyday card giving the student the ability to build a credit record
    Peace of mind—Replace a lost or stolen card at any financial institution that honours MasterCard or receive up to $1000 in emergency funds (subject to credit availability).
    Extended warranty insurance—If you make a purchase with your card, it doubles the original manufacturer's warranty period up to a maximum of one additional year on most purchases.
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
7.9% cash advance
12.9% retail sales		 $15 $1,200 No Credit

CS CO-OP Low Rate Student Air Miles MasterCard
   
   

Everyday card giving the student the ability to build a credit record
    Earn one AIR MILE for every $20 charged to the card
    Peace of mind—Replace a lost or stolen card at any financial institution that honours MasterCard or receive up to $1000 in emergency funds (subject to credit availability).
    

Interest Rate Annual Fee Minimum credit limit Credit Needed
7.9% cash advance
12.9% retail sales		 $50 $1,200 No Credit

HSBC Low Rate Standard MasterCard
   
   

Low rate - This option considerably reduces the interest rate on purchases and cash advances and the grace period on purchases is extended to 23 days from statement date.
    No transaction fees on purchases
    Flexible payment options - Either the full balance or minimum payment due as shown on your monthly statement
    


Interest Rate Annual Fee Minimum credit limit Credit Needed
12.9% 15% $500 Fair Credit

HSBC Low Rate Gold MasterCard
   
   

Low rate - This option considerably reduces the interest rate on purchases and cash advances and the grace period on purchases is extended to 23 days from statement date.
    MasterAssist services designed for busy world travelers
    Cash advance up to $1000 when card lost or stolen
    Flexible payment options - Either the full balance or minimum payment due as shown on your monthly statement
    


Interest Rate Annual Fee Minimum credit limit Credit Needed
12.9 $80 $3,000 Good Credit

HSBC Low Rate Standard MasterCard With Air Miles
   
   

AIR MILES?- one AIR MILES reward mile is earned for each $20 spent on purchases.
    Low rate - This option considerably reduces the interest rate on purchases and cash advances and the grace period on purchases is extended to 23 days from statement date.
    No transaction fees on purchases
    


Interest Rate Annual Fee Minimum credit limit Credit Needed
12.9% $50 $500 Fair Credit

HSBC Gold Low Rate MasterCard With Air Miles
   
   

AIR MILES?- one AIR MILES reward mile is earned for each $20 spent on purchases.
    Low rate - This option considerably reduces the interest rate on purchases and cash advances and the grace period on purchases is extended to 23 days from statement date.
    MasterAssist? services designed for busy world travelers
    Cash advance up to $1000 when card lost or stolen
    


Interest Rate Annual Fee Minimum credit limit Credit Needed
12.9% $115 $3,000 Good Credit


  

 
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