{"id":90670,"date":"2026-05-01T00:01:00","date_gmt":"2026-05-01T04:01:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/best-credit-cards-in-canada\/low-interest\/"},"modified":"2026-05-08T16:43:07","modified_gmt":"2026-05-08T16:43:07","slug":"low-interest","status":"publish","type":"page","link":"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/low-interest\/","title":{"rendered":"The best low-interest credit cards \u2013 May 2026"},"content":{"rendered":"\n<p>This is no secret. Credit card interest rates make a real difference to our budget. This is even more true if you are among those who only pay the minimum amount due at the end of the month on your credit card.<\/p>\n\n\n\n<p>If this is your case, the following lines will catch your attention. In fact, low-interest credit cards are a highly advantageous tool for you. Ultimately, they allow you to bypass known debt traps in Canada.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--7 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"91259,22659,22651,22647,313439,22743,22697\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"bmo_preferred_rate_mastercard_\">BMO Preferred Rate Mastercard&reg;*<\/h2>\n\t\t\t\t<p>The BMO Preferred Rate Mastercard is a Bank of Montreal credit card that offers a <strong>0.99% introductory interest rate<\/strong> on Balance Transfers for 9 months.<\/p>\n<p>There is <strong>no minimum income requirement<\/strong> for this BMO credit card.<\/p>\n<p>You can use this low-interest credit card at Costco because it is a Mastercard credit card.<\/p>\n<p>Finally, you\u2019ll receive insurance on purchases charged to your BMO Preferred Rate Mastercard.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22659\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"cibc_select_visa_card\">CIBC Select Visa* Card<\/h2>\n\t\t\t\t<p>The CIBC Select Visa Card* is one of the best Visa credit cards in Canada for balance transfers.<\/p>\n<p>With this exclusive digital offer for this <strong>CIBC balance transfer credit card<\/strong>, you get:<\/p>\n<ul>\n<li>a 0% interest rate on balance transfers of at least $100, for up to 10 months<\/li>\n<li>a <strong>refund of the annual fee<\/strong> for two years<sup>\u2020<\/sup><\/li>\n<\/ul>\n<p>You only pay a 1% <strong>balance transfer fee<\/strong> when transferring a <strong>balance from another credit card<\/strong> (balance transfer fees do not apply to Quebec residents). Once the promotional period ends, the card\u2019s standard interest rate of 13.99% applies to any remaining balance. This interest rate is lower than those charged by many other credit cards.  <\/p>\n<p>For example, you could make large purchases on another credit card (such as renovations or furniture and appliance purchases) and then <strong>transfer the balance<\/strong> to the <strong>CIBC Select Visa Card<\/strong> to benefit from its 0% interest rate on balance transfers for 10 months.<\/p>\n<p>CIBC Select Visa Card* cardholders can also save on gas through the card\u2019s partnership with Journie Rewards, which allows them to save up to 10 cents per litre at participating gas stations.<\/p>\n<p>The CIBC Select Visa Card* has a $29 <strong>annual fee<\/strong> (refunded for the first two years) and requires a minimum household income of $15,000 to qualify. With <strong>CIBC mobile banking<\/strong> and <strong>online banking services<\/strong>, you can easily track your credit limit and balance transfers from your phone or by <strong>signing in online<\/strong>. <\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"91259\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"td_low_rate_visa_credit_card\">TD Low Rate Visa* Credit Card<\/h2>\n\t\t\t\t<p>The <strong>TD Low Rate Visa* Credit Card<\/strong> allows you to save with an annual interest rate of <span class=\"nowrap\">12.90%<\/span><sup>\u2020<\/sup> (<span class=\"nowrap\">13.90%<\/span><sup>\u2020<\/sup> in Quebec) on purchases and cash advances.<\/p>\n<p>With the current promotional offer, enjoy a <strong><span class=\"nowrap\">0%<\/span> rate on your purchases for the first six months<\/strong><sup>\u2020<\/sup> after account opening. It is one of the best low-rate credit cards in Canada. <\/p>\n<p>As a cardholder, you can subscribe to travel medical insurance<sup>\u2020<\/sup>, trip cancellation\/interruption insurance<sup>\u2020<\/sup>, and earn 50% more Stars at Starbucks<sup>&reg;<\/sup>.<\/p>\n<p>The card is also compatible with Apple Pay<sup>\u2020<\/sup> and Samsung Pay<sup>\u2020<\/sup>.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"313439\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"cibc_dividend_visa_card\">CIBC Dividend&reg; Visa* Card<\/h2>\n\t\t\t\t<p>The CIBC Dividend<sup>&reg;<\/sup> Visa* Card is one of the <strong>best no-fee<\/strong> <strong>cash-back<\/strong> Visa credit cards in Canada.<\/p>\n<p>For a limited time, earn <strong><span class=\"nowrap\">5%<\/span> cash back<\/strong> (up to <span class=\"nowrap\"><strong>100&nbsp;$<\/strong><\/span>) during the period covered by your first 4 monthly statements.<\/p>\n<p>Plus, get&nbsp;:<\/p>\n<ul>\n<li><span class=\"nowrap\">2%<\/span> cash back on eligible grocery purchases<sup>\u2020<\/sup><\/li>\n<li><span class=\"nowrap\">1%<\/span> cash back on eligible gas, electric vehicle charging, transportation, and dining purchases and on eligible recurring payments<sup>\u2020<\/sup><\/li>\n<li><span class=\"nowrap\">0.5%<\/span> cash back on all other purchases<sup>\u2020<\/sup><\/li>\n<\/ul>\n<p>This no-annual-fee CIBC credit card offers <strong>certain insurance coverages: <\/strong><\/p>\n<ul>\n<li>Purchase Security and Extended Protection Insurance<\/li>\n<\/ul>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22697\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"rbc_visa_classic_low_rate_option_card\">RBC Visa Classic Low Rate Option Card<\/h2>\n\t\t\t\t<p>Enjoy a <strong>promotional interest rate of 0.99% on balance transfers for the first 10 months<\/strong>, and <strong>pay no annual fee for the first year<\/strong>. Submit your application by September 30, 2026.<\/p>\n<p>RBC Visa Classic Low Rate Option Card is one of the best low-interest credit cards in Canada.<\/p>\n<p>You can also save on fuel at Petro-Canada stations and get 20% more Petro-Points by linking your RBC Visa Classic Low Rate Option Card to your Petro-Points program card. Finally, you <strong>get free deliveries for six months with DoorDash<\/strong> by adding your RBC Visa Classic Low Rate Option Card to your DoorDash account. <\/p>\n<p>This way, you can get a free six-month DashPass subscription worth nearly $60 and enjoy unlimited free deliveries on orders of $15 or more by paying with your RBC Visa Classic Low Rate Option Card.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22743\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"national_bank_syncro_mastercard\">National Bank Syncro Mastercard<\/h2>\n\t\t\t\t<p>The National Bank Syncro Mastercard is a low-interest credit card from National Bank. It offers <strong>an interest rate of 8.90% for purchases and 12.90% for cash advances and balance transfers<\/strong>. <\/p>\n<p>Since it&rsquo;s a Mastercard credit card, you can use National Bank Syncro Mastercard at Costco. Finally, it offers you insurance for your purchases.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22651\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"scotiabank_value_visa_card\">Scotiabank Value&reg; Visa* Card<\/h2>\n\t\t\t\t<p>Scotia Value Visa Card is <strong>one of the best credit cards for cash advances<\/strong> (including balance transfers) in Canada.<\/p>\n<p>You can get an <strong>introductory interest rate of <span class=\"nowrap\">0.99%<\/span> on cash advances<\/strong> for the first nine months (including balance transfers, with a <span class=\"nowrap\">2%<\/span> transfer fee). You pay <strong>no annual fee for the first year<\/strong> with this Visa credit card. <\/p>\n<p>What&rsquo;s more, this Visa credit card offers a low interest rate: <span class=\"nowrap\">13.99%<\/span> on purchases, balance transfers and cash advances.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22647\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-about-low-interest-credit-cards\">Frequently asked questions about low-interest credit cards<\/h2>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_a_low-interest_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is a low-interest credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>As its name suggests, this card lets you benefit from a lower interest rate than the standard rate. In Canada, it is a preferred method of payment by consumers.<\/p>\n\n\n\n<p>In general, it offers interest rates below 12%. This is a great option for people who pay off the minimum balance due each month.<\/p>\n\n\n\n<p>In addition, some low-interest credit cards offer very attractive extra options. Here, we are referring to loyalty points, complimentary insurance, and other features that may match our buyer profile.  That&#8217;s why we always recommend shopping around for the best credit cards on the market before making your choice!<\/p>\n\n\n\n<p>Check out the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/transfer\/\">best credit card balance transfer offers<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"why_use_a_low-interest_credit_card_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy use a low-interest credit card in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>A low-interest credit card is a preferred payment method for many. According to our experts, there are several reasons for this. Here are some of them.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Save money<\/li>\n<\/ul><\/div>\n\n\n\n<p>Do you have high-interest credit card debt? Start saving by transferring your debt to a low-interest credit card. This way, you could pay off your debt faster and pay less interest in total.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Better debt management<\/li>\n<\/ul><\/div>\n\n\n\n<p>Do you have multiple credit cards with different interest rates? Knowing which card to reimburse first can be difficult. In this case, a low-interest credit card simplifies your debt management while offering a single interest rate to repay.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Better financial management<\/li>\n<\/ul><\/div>\n\n\n\n<p>Indeed, a low-interest credit card helps you better manage your budget and cash flow. For example, it educates you to spend responsibly and not to exceed your credit limit. That way, you know you&#8217;ll pay less interest on your debt.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Less financial stress<\/li>\n<\/ul><\/div>\n\n\n\n<p>Do you have high-interest credit card debt? Using a low-interest credit card will help you reduce that stress.  In other words, it allows you to pay off your debt more responsibly.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_avoid_paying_interest_on_my_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I avoid paying interest on my credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To avoid paying interest on a credit card, it&#8217;s essential to understand how your card&#8217;s billing and repayment system works. Here are some tips on how to avoid interest charges on your credit card:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Pay the full balance each month<\/strong>: The surest way to avoid interest is to pay your credit card balance in full each month before the due date. This means you do not carry an unpaid balance from one month to the next, and therefore will not accumulate interest.<\/li>\n\n\n\n<li><strong>Know the exp<\/strong> iry date: Make sure you know the expiry date of your credit card. Payments must be made by this date to avoid interest and late fees.<\/li>\n\n\n\n<li><strong>Avoid cash advances<\/strong>: <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/comment-obtenir-une-avance-de-fonds-avec-une-carte-de-credit\/\">Cash advances<\/a> on your credit card are generally subject to high interest rates from day one. It&#8217;s best to avoid using your card for cash advances if possible.<\/li>\n\n\n\n<li><strong>Use credit wisely<\/strong>: Use your credit card responsibly and avoid spending beyond your means. Don&#8217;t rely on your credit card for purchases you can&#8217;t afford to pay for in full on your next billing.<\/li>\n\n\n\n<li><strong>Choose a low-interest card<\/strong>: If you intend to carry a balance on your credit card, consider choosing a low-interest credit card. This will reduce interest costs in the event of balance deferral.<\/li>\n\n\n\n<li><strong>Set up payment alerts<\/strong>: Many credit card issuers offer alert services that remind you of your payment due date. Use them so you don&#8217;t forget to pay on time.<\/li>\n\n\n\n<li><strong>Avoid minimum payments<\/strong>: While paying the minimum payment saves you from late fees, it doesn&#8217;t prevent you from accruing interest. Try to pay more than the minimum if you can&#8217;t repay the full balance.<\/li>\n\n\n\n<li><strong>Read the terms and conditions<\/strong>: Familiarize yourself with the terms of your credit card agreement to understand interest rates, fees, and billing policies.<\/li>\n\n\n\n<li><strong>Manage transferred balances<\/strong>: If you perform a balance transfer to benefit from a promotional interest rate, ensure you comply with the offer&#8217;s conditions. Timely payments are generally required to maintain the promotional rate.<\/li>\n<\/ul><\/div>\n\n\n\n<p>By following these tips and managing your credit card use wisely, you can avoid paying unnecessary interest and maintain good financial health.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"why_should_i_choose_a_low-interest_or_low-rate_credit_card_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy should I choose a low-interest or low-rate credit card in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Choosing a low-interest credit card can help you save money on interest when you carry an unpaid balance. This can be useful if you plan to carry balances from one month to the next.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_a_low-interest_credit_card_similar_to_a_rewards_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs a low-interest credit card similar to a rewards credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Generally, low-interest credit cards do not offer rewards. For this, you should opt for one of these <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/\">credit card offers with rewards<\/a><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/cash-back\/\">(cash back<\/a> or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/travel\/\">travel<\/a>).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_compare_credit_card_interest_rates_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I compare credit card interest rates in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You can compare credit card interest rates by visiting issuer websites, using <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/credit-cards\/\">online comparison tools<\/a> like Milesopedia, or by requesting information directly from banks and credit unions.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_average_interest_rate_on_low-rate_credit_cards_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the average interest rate on low-rate credit cards in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The average interest rate on low-interest credit cards in Canada can vary, but it is generally lower than that of standard-rate credit cards. Exact rates depend on the issuer and your credit score.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_there_any_hidden_fees_associated_with_low-interest_credit_cards_and_certain_conditions_to_be_met_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre there any hidden fees associated with low-interest credit cards and certain conditions to be met?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Some low-interest credit cards in Canada may have annual fees or foreign transaction fees. It is essential to read the terms and conditions of the contract to understand all associated costs.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_low-interest_credit_cards_offer_additional_benefits_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo low-interest credit cards offer additional benefits?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Some low-interest credit cards offer benefits such as cash back rewards, insurance, or loyalty programs, although these benefits may be less generous than those of standard-rate credit cards.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_apply_for_a_low-interest_credit_card_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I apply for a low-interest credit card in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To apply for a low-interest credit card in Canada, you will generally need to complete an application online or in person with the card issuer. Make sure you provide all the required information and meet the eligibility criteria.<\/p>\n<p>Higher up on this page, you will find the best low-interest credit card offers currently available.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"who_is_eligible_for_a_low-interest_credit_card_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWho is eligible for a low-interest credit card in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Eligibility for a low-interest credit card in Canada depends on factors such as your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/101-credit-score\/\">credit score<\/a>, income, financial history, and other criteria determined by the card issuer.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_are_the_advantages_of_paying_off_low-interest_credit_card_balances_quickly_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the advantages of paying off low-interest credit card balances quickly?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Paying off balances on a low-interest credit card quickly allows for even greater savings on interest. It can also improve your credit rating and help you avoid accumulating debt.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"where_can_i_find_up-to-date_information_on_low-interest_credit_cards_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhere can I find up-to-date information on low-interest credit cards in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You can find updated information on low-interest credit cards in Canada by visiting issuer websites, reading online reviews on Milesopedia, and participating in its <a target=\"_blank\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"noindex\">community<\/a>. Be sure to check back regularly to stay informed of current offers.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_transfer_my_balance_to_a_low-interest_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I transfer my balance to a low-interest credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, you can perform balance transfers to a low-interest credit card. Be mindful of balance transfer fees that may be charged by the credit card issuer and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/credit-card-balance-transfer\/\">terms and conditions related to balance transfers<\/a>.  Check out the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/transfer\/\">best credit card offers for balance transfers<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>This is no secret. Credit card interest rates make a real difference to our budget. This is even more true if you are among those who only pay the minimum amount due at the end of the month on your credit card. If this is your case, the following lines will catch your attention. In [&hellip;]<\/p>","protected":false},"author":3,"featured_media":352217,"parent":207228,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-toc.php","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"tags":[],"mc_loyalty_program":[],"class_list":["post-90670","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The best low-interest credit cards \u2013 May 2026 | Milesopedia<\/title>\n<meta name=\"description\" content=\"Low interest rate? 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