Best Low-Interest Credit Cards in Canada – December 2025

Comme son nom l’indique, cette carte vous fait profiter d’un taux d’intérêt plus bas que le taux standard. Au Canada, elle représente un moyen de paiement privilégié par les consommateurs.

En général, elle propose des taux d’intérêt inférieurs à 12 %. Voilà une option plutôt avantageuse pour les personnes qui remboursent le minimum dû de leur solde par mois.

Par ailleurs, certaines cartes de crédit à faible taux d’intérêt offrent des options supplémentaires très intéressantes. Ici, on parle de points de fidélité, d’assurances gratuites et d’autres éléments qui peuvent correspondre à notre profil d’acheteur. C’est pourquoi nous conseillons toujours de magasiner les meilleures cartes de crédit sur le marché avant d’arrêter votre choix!

Consultez les meilleures offres de transfert de solde de carte de crédit.

The low-interest credit card is the payment method of choice for many. According to our experts, there are several reasons for this. Here are some of them.

• Save money

Do you have high interest credit card debt? Start saving by transferring your debt to a low-interest credit card. That way, you can pay off your debt faster and pay less interest in total.

• Better debt management

Do you have several credit cards with different interest rates? Knowing which card to reimburse first can be difficult. Here, a low-interest credit card simplifies the management of your debt, while offering you a single interest rate to pay back.

• Better financial management

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’ll pay less interest on your debt.

• Less financial stress

Do you have high interest credit card debt? Using a low-interest credit card will help reduce this stress. In other words, it allows you to pay off your debt more responsibly.

To avoid paying interest on a credit card, it’s essential to understand how your card’s billing and repayment system works. Here are some tips on how to avoid interest charges on your credit card:

• Pay the full balance each month: The surest way to avoid interest is to pay your credit card balance in full each month before the due date. This means you don’t carry an outstanding balance from one month to the next, so you won’t accrue interest.
• Know the exp 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.
• Avoid Cash Advances: Cash advances on your credit card are generally subject to high interest rates from day one. It’s best to avoid using your card for cash advances if possible.
• Use credit wisely: Use your credit card responsibly and avoid spending beyond your means. Don’t rely on your credit card for purchases you can’t afford to pay for in full on your next billing.
• Choose a low-interest card: 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.
• Set up payment alerts: Many credit card issuers offer alert services that remind you when your payment is due. Use them so you don’t forget to pay on time.
• Avoid minimum payments: While paying the minimum payment saves you from late fees, it doesn’t prevent you from accruing interest. Try to pay more than the minimum if you can’t repay the full balance.
• Read contract terms: Familiarize yourself with the terms and conditions of your credit card contract to understand interest rates, fees and billing policies.
• Managing transferred balances: If you transfer a balance to take advantage of a promotional interest rate, make sure you comply with the terms and conditions of the offer. One-off payments are generally necessary to maintain the promotional rate.

By following these tips and managing your credit card use wisely, you can avoid paying unnecessary interest and maintain good financial health.

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 over sales from one month to the next.

Low-interest credit cards generally don’t offer rewards. For this, you should opt for one of these credit card offers with rewards(cash back or travel).

You can compare credit card interest rates by visiting card issuer websites, using online comparison tools such as Milesopedia, or requesting information directly from banks and credit unions.

The average interest rate on low-rate credit cards in Canada can vary, but is generally lower than on standard-rate credit cards. Exact rates depend on the issuer and your credit rating.

Some low-interest credit cards in Canada may have an annual fee or foreign transaction fee. It is essential to read the terms and conditions of the contract to understand all associated costs.

Some low-interest credit cards offer benefits such as cash rewards, insurance or loyalty programs, although these may be less generous than those of standard-rate credit cards.

To apply for a low-interest credit card in Canada, you’ll usually 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.

Higher up on this page, you’ll find the best low-interest credit card offers available today.

Eligibility for a low-interest credit card in Canada depends on factors such as your credit score, income, financial history and other criteria determined by the card issuer.

Paying off low-interest credit card balances quickly can save you even more on interest. It can also improve your credit rating and help you avoid accumulating debt.

You can find up-to-date information on low-interest credit cards in Canada by visiting card issuer websites, reading online reviews on Milesopedia and in its community. Be sure to check back regularly to stay informed of current offers.

Yes, you can make balance transfers to a low-interest credit card. Be aware of balance transfer fees that may be charged by the credit card issuer, and of the conditions governing balance transfers. Check out the best credit card offers for balance transfers.