- Annual fee
- $25
- Base Rewards Rate
- 0x
- Our valuation
- —
- Welcome offer
- No current welcome offer
Pros
- Simple and straightforward
Cons
- No welcome bonus
- Modest reward rates
- Annual Fee
- $25/yr
- Network
- Issuer
- TD
- Loyalty Program
- —
- Min. annual income
- —
Ranking · Updated September 2026
Best Low-Interest Credit Cards in Canada
Compare credit cards with low purchase and balance-transfer interest rates. Cut the cost of carrying a balance with the best low-interest cards in Canada.
- Annual fee
- $29 $0
- Base Rewards Rate
- 0x
- Our valuation
- $29
- Welcome offer
- First Year Annual Fee Rebate
Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.
$29 annual fee rebated
Ends Jan 3, 2027
Pros
- First Year Annual Fee Rebate
Cons
- No welcome bonus
- Modest reward rates
- Requires good credit
- Annual Fee
- $29/yr
- First-Year Annual Fee Rebate
- ✓
- Network
- Issuer
- Scotia
- Loyalty Program
- —
- Min. annual income
- $12,000+
- Annual fee
- $29 $0
- Base Rewards Rate
- 0x
- Our valuation
- $29
- Welcome offer
- First Year Annual Fee Rebate
Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.
$29 annual fee rebated
Pros
- First Year Annual Fee Rebate
Cons
- No welcome bonus
- Modest reward rates
- Annual Fee
- $29/yr
- First-Year Annual Fee Rebate
- ✓
- Network
- Issuer
- BMO
- Loyalty Program
- —
- Min. annual income
- —
- Annual fee
- $35
- Base Rewards Rate
- 0x
- Our valuation
- —
- Welcome offer
- No current welcome offer
Cash Back
Pros
- Simple and straightforward
Cons
- No welcome bonus
- Modest reward rates
- Annual Fee
- $35/yr
- Network
- Issuer
- National Bank
- Loyalty Program
- Cash Back
- Min. annual income
- —
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