Low Interest Credit Cards

Low interest credit cards can save you money by cutting down the interest on your credit card balance. If you have credit card debt, the interest cost that you have to pay can be very expensive. If you use a low-interest credit card or transfer balance from a high-interest card to a low-interest one, you will save a lot of money in the long run. Check out these best Canadian credit cards of the lowest interest available on the market.

  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)◊
  • Save hundreds of dollars in interest a year
  • Low 12.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Nov 1 , 2020. Subject to change.
Intro APR
0.99% on Balance Transfers
Intro APR Period
6 months
Purchase APR
12.99%
Annual Fee
$29
  • New American Express® Aeroplan®* Business Reserve Cardmembers can earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit
  • Earn 35,000 Aeroplan points and $100 Statement Credit after spending $5,000 in purchases within the first three months of Cardmembership
  • Plus, you can also earn 5,000 Aeroplan points for each monthly billing period in which you spend $2,000 in purchases on your Card for the first six months of Cardmembership. That could add up to 30,000 Aeroplan points
  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations, 2 points for every $1 spent on eligible hotels and car rentals, and 1 point for every $1 spent on everything else
  • Your American Express Aeroplan Business Reserve Card gives you access to more than 1,200 Priority Pass airport lounges around the globe. That means an oasis of comfort before your flight-regardless of your choice of airline or cabin class
  • Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Cafes™ in North America, with a same day ticket on a departing Air Canada or Star Alliance flight
  • You and up to eight companions will enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada.
  • You and up to eight companions travelling on the same reservation will all enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
  • If you're departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, complimentary valet service, 15% discount on parking rates, and 15% discount on Car Care Services
  • Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
16.99%
Annual Fee
$599
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