⚠ Disclaimer: We may earn a commission if you apply through the links on this page. Any results described are from our own personal experience — individual results vary, and card terms and rewards pricing change over time, so confirm current details with the issuer before applying.
If you sometimes carry a balance, the interest rate matters more than any reward. These cards charge well under the usual 19.99%–21.99% on purchases. Sorted by purchase rate, lowest first.
Luxury Travel + No FX Fees
Welcome offer: Earn up to $2,800 in value in the first 14 months, including up to 80,000 bonus Scene+ points.
+$175 extra cash back through FinlyWealth
Low purchase interest rate
Welcome offer: No fee for your first year
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
Scotiabank Platinum American Express Card Scotiabank | Earn up to $2,800 in value in the first 14 months, including up to 80,000 bonus Scene+ points.Est. value $800 | +$175 cash back | $399 | 9.99% | 9.99% | 0% | Apply → |
MBNA True Line Gold Mastercard MBNA | — | — | $39 | 10.99% | 24.99% | 2.5% | Apply → |
Low-interest enviro Visa Classic card with Vancity Rewards Vancity | No fee for your first year | — | $501st year free | 11.25% | 11.25% | 2.5% | Apply → |
 MBNA True Line Mastercard MBNA | 0% rate on balance transfers for 12 months (3% fee applies). Not available for residents of Quebec. | +$50 cash back | $0 | 12.99% | 24.99% | 2.5% | Apply → |
 RBC Visa Classic Low Rate Option RBC | Enjoy a 1.9% introductory interest rate for the first 10 months on balance transfers and no annual fee for the first year. Apply by January 12, 2027. | — | $201st year free | 12.99% | 14.99% | 2.5% | Apply → |
 Scotiabank Value Visa Card Scotiabank | 0% interest on balance transfers for 9 months + first year fee rebate + extra savings at shell | +$50 cash back | $291st year free | 13.99% | 13.99% | 2.5% | Apply → |
 BMO Preferred Rate Mastercard BMO | Get a 0% introductory interest rate on Balance Transfers for 18 months with a 3% transfer fee and a $29 first-year annual fee rebate. | — | $291st year free | 13.99% | 15.99% | 2.5% | Apply → |
Offer data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often and may differ from what the issuer shows you — always confirm the current terms on the issuer's site before applying. "Extra cash back" is paid by FinlyWealth when you apply through our link and are approved; conditions are on the FinlyWealth page. Rankings use FinlyWealth's rating, then welcome-offer value. crediteasy.ca is independent and does not provide financial advice.