Low Interest on Purchases

Credit cards with low interest on purchase can be used wisely to save money. If you have a credit card with a low 7.99% interest on purchase for 6 months, you can make purchases today and pay a little interest to carry the balance for 6 months without incurring too much interest or fees, as long as you make the minimum required payments every month. Check out the best Canadian credit cards that offer low interest on purchases.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
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Scotiabank Value® Visa* Card

12.99% APR

0.99% intro APR
for 6 months

12.99% APR after that

$29

Good CreditApply NowView Card Details
  • 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 March 2, 2020 . Subject to change.
No-Fee Scotiabank Value® Visa* Card

16.99% APR

3.99% intro APR
for 6 months

16.99% APR after that

$0

Good CreditApply NowView Card Details
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)◊
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of March 2, 2020 . Subject to change.
Refresh Secured Visa

17.99% APR

N/A

$12.95

Poor CreditApply NowView Card Details
  • Build your credit score easily with a guaranteed Refresh Financial Secured VISA
  • No credit checks and guaranteed approval.
  • One of the lowest credit card interest rates on the market (17.99%)
  • Helps build your credit so you can get that loan you need sooner than you think!
  • Build credit safely without the risk of debt.
HSBC +Rewards™ Mastercard®

11.9% APR

11.9% APR

First Year Fee Rebate

Excellent, Good CreditApply NowView Card Details
  • Earn 10,000 Points ($50 travel value)
  • PLUS a full annual fee rebate for the Primary Cardholder for the first year. Must apply by June 29, 2020. Conditions Apply.
  • Earn 2 Points for every $1 spent on eligible dining or entertainment purchases
  • Our lowest interest rate for purchases, cash advances and balance transfers: 11.9%
  • Price Protection Service - find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item
  • This offer is only available to residents of Canada other than the province of Quebec
  • 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 March 2, 2020 . Subject to change.
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)◊
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of March 2, 2020 . Subject to change.
  • Build your credit score easily with a guaranteed Refresh Financial Secured VISA
  • No credit checks and guaranteed approval.
  • One of the lowest credit card interest rates on the market (17.99%)
  • Helps build your credit so you can get that loan you need sooner than you think!
  • Build credit safely without the risk of debt.
  • Earn 10,000 Points ($50 travel value)
  • PLUS a full annual fee rebate for the Primary Cardholder for the first year. Must apply by June 29, 2020. Conditions Apply.
  • Earn 2 Points for every $1 spent on eligible dining or entertainment purchases
  • Our lowest interest rate for purchases, cash advances and balance transfers: 11.9%
  • Price Protection Service - find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item
  • This offer is only available to residents of Canada other than the province of Quebec
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