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Credit Cards - Apply for Credit Card - Online Visa Mastercard Low Interest Offers  - BestCreditCardRatings.com



The low interest credit cards listed below provide either a low fixed-rate APR or a low introductory APR. Compare the following credit cards, then apply online for your choice of credit card by completing a secure application.

Canadian Low Interest Credit Cards 

Platinum Plus® MasterCard® Credit Card - 1.99 for 10

The Platinum Plus® MasterCard® Credit Card - 1.99 for 10 has no annual fee, and you get a low interest rate for balance transfers and cheque cash advances.

  • No Annual Fee
  • Low 1.99% introductory interest rate† for 10 months on Balance Transfers† and Cheque Cash Advances
  • Credit limit up to $100,000
  • Emergency replacement within 48 hours for lost and stolen cards
  • Online access to your credit card amount
  • International acceptance at millions of locations
  • Immediate cash access at 430,000 ABMs internationally 
  • Get More Details »
Typical APR Balance Transfer APR Balance Transfer Fee Annual Fees Card Type Credit Needed Rewards
17.99%*

1.99% for 10 months

1%* None*

Mastercard

Good N/A

Capital One® Low Rate Guaranteed Secured MasterCard®

If you have no credit or limited credit history, it’s time to start building your credit history with the Low Rate Guaranteed Secured MasterCard®.

  • Guaranteed Approval
  • Low rate of 14.9% on purchases and balance transfers
  • May help you establish or re-establish your credit history
  • For Canadian Residents only. 
  • Get More Details »
Typical APR Balance Transfer APR Balance Transfer Fee Annual Fees Card Type Credit Needed Rewards
14.9%*

14.9%*

N/A* C$69.00*

Mastercard

No/ Limited N/A

Gold MasterCard® Credit Card - Fixed 9.99% AIR

The MBNA Gold MasterCard® provides a fixed low AIR on purchases and cash advances so you can buy what you need without risking high interest charges.

  • No Annual Fee
  • 9.99% Annual Interest Rate on Purchases and Cash Advances
  • Around-the-clock fraud protection
  • Online access to your credit card account
  • Unparalleled 24-hour Customer service
  • Immediate cash access at 430,000 ATMs internationally 
  • Get More Details »
Typical APR Balance Transfer APR Balance Transfer Fee Annual Fees Card Type Credit Needed Rewards
9.99%*

N/A

1%* None*

Mastercard

Good N/A

Capital One® Gold MasterCard®: 11.9% Guaranteed for 3 Years (as long as you pay your bills on time)

Annual interest rate for cash advances is 19.8%

  • Annual interest rate for cash advances is 19.8%
  • Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
  • After that your rate will stay low and become a variable rate of Prime +9.9% on purchases and balance transfers
  • Save money when you transfer high-interest debt with our no-fee balance transfer service
  • Subject to credit Approval
  • For Canadian Residents only. 
  • Get More Details »
Typical APR Balance Transfer APR Balance Transfer Fee Annual Fees Card Type Credit Needed Rewards
11.90%* for 3 years*

11.90%* for 3 years*

N/A* C$19.00*

Mastercard

Good N/A

Capital One® SmartLine™ Platinum MasterCard

With SmartLine Platinum MasterCard in your wallet, you will enjoy the benefits of the credit card with the longest-term low interest rate in Canada.

  • No Annual Fee, Annual interest rate for cash advances is 19.8%
  • Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
  • After that your rate will stay low and become a variable rate of Prime +3.75% on purchases and balance transfers
  • Save money when you transfer high-interest debt with our no-fee balance transfer service
  • Subject to credit approval
  • For Canadian Residents only. 
  • Get More Details »
Typical APR Balance Transfer APR Balance Transfer Fee Annual Fees Card Type Credit Needed Rewards
5.99% for 3 years*

5.99% for 3 years*

N/A* C$0*

Mastercard

Excellent N/A

Capital One® Low Rate Guaranteed MasterCard®

If you need a card that will allow you to build a strong credit history while enjoying a low interest rate for purchases, the Low Rate Guaranteed MasterCard® is the ideal Capital One card for you.

  • Low rate on purchases and balance transfers
  • May help you strengthen your credit history
  • $0 fraud liability for unauthorized use
  • For Canadian Residents only. 
  • Get More Details »
Typical APR Balance Transfer APR Balance Transfer Fee Annual Fees Card Type Credit Needed Rewards
14.90%*

14.90%*

N/A* C$79*

Mastercard

Average Cash Back


* See the online low interest credit cards and applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. When you click on the "Apply" button you can review the terms and conditions on the credit card issuer's website.


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