{"id":90670,"date":"2026-04-01T00:01:00","date_gmt":"2026-04-01T04:01:00","guid":{"rendered":"https:\/\/milesopedia.com\/best-credit-cards-in-canada\/low-interest\/"},"modified":"2026-04-01T14:35:50","modified_gmt":"2026-04-01T18:35:50","slug":"low-interest","status":"publish","type":"page","link":"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/low-interest\/","title":{"rendered":"The best low-interest credit cards \u2013 April 2026"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\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<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<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"91259,250247,22659,22651,22647,313439,22743,22697\"\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;BMO<sup>&reg;<\/sup> Preferred Rate Mastercard<sup>&reg;<\/sup>*&#8221; el_id=&#8221;bmo_preferred_rate_mastercard_&#8221;]<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<div class=\"wpb_content_element wpb_miles_element\">\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;CIBC Select Visa* Card&#8221; el_id=&#8221;cibc_select_visa_card&#8221;]<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<div class=\"wpb_content_element wpb_miles_element\">\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD Low Rate Visa* Credit Card&#8221; css=&#8221;&#8221; el_id=&#8221;td_low_rate_visa_credit_card&#8221;]<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\u00ae.<\/p>\n<p>The card is also compatible with Apple Pay<sup>\u2020<\/sup> and Samsung Pay<sup>\u2020<\/sup>.<\/p>\n<div class=\"wpb_content_element wpb_miles_element\">\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<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;nofee&#8221;][vc_column][vc_custom_heading text=&#8221;CIBC Dividend<sup>&reg;<\/sup> Visa* Card&#8221; css=&#8221;&#8221; el_id=&#8221;cibc_dividend_visa_card&#8221;]<p>The CIBC Dividend\u00ae 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<div class=\"wpb_content_element wpb_miles_element\">\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;RBC Visa Classic Low Rate Option Card&#8221; css=&#8221;&#8221; el_id=&#8221;rbc_visa_classic_low_rate_option_card&#8221;]<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>. Apply by June 15, 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<div class=\"wpb_content_element wpb_miles_element\">\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;National Bank Syncro Mastercard&#8221; el_id=&#8221;national_bank_syncro_mastercard&#8221;]<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<div class=\"wpb_content_element wpb_miles_element\">\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Scotiabank Value<sup>&reg;<\/sup> Visa* Card&#8221; el_id=&#8221;scotiabank_value_visa_card&#8221;]<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<div class=\"wpb_content_element wpb_miles_element\">\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column el_class=&#8221;faq&#8221;][vc_custom_heading text=&#8221;Frequently asked questions about low-interest credit cards&#8221; el_id=&#8221;frequently_asked_questions_about_low-interest_credit_cards&#8221;][vc_toggle title=&#8221;What is a low-interest credit card?&#8221; open=&#8221;true&#8221;]<\/p>\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<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<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<p>Check out the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/transfer\/\">best credit card balance transfer offers<\/a>.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Why use a low-interest credit card in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\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<ul>\n<li>Save money<\/li>\n<\/ul>\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<ul>\n<li>Better debt management<\/li>\n<\/ul>\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<ul>\n<li>Better financial management<\/li>\n<\/ul>\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<ul>\n<li>Less financial stress<\/li>\n<\/ul>\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<p>[\/vc_toggle][vc_toggle title=&#8221;How can I avoid paying interest on my credit card?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\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<ul>\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<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<li><strong>Avoid cash advances<\/strong>: <a href=\"https:\/\/milesopedia.com\/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<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<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<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<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<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<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>\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<p>[\/vc_toggle][vc_toggle title=&#8221;Why should I choose a low-interest or low-rate credit card in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\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<p>[\/vc_toggle][vc_toggle title=&#8221;Is a low-interest credit card similar to a rewards credit card?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Generally, low-interest credit cards do not offer rewards. For this, you should opt for one of these <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">credit card offers with rewards<\/a><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/cash-back\/\">(cash back<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/travel\/\">travel<\/a>).<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How can I compare credit card interest rates in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>You can compare credit card interest rates by visiting issuer websites, using <a href=\"https:\/\/milesopedia.com\/en\/?p=131131\">online comparison tools<\/a> like Milesopedia, or by requesting information directly from banks and credit unions.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is the average interest rate on low-rate credit cards in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\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<p>[\/vc_toggle][vc_toggle title=&#8221;Are there any hidden fees associated with low-interest credit cards and certain conditions to be met?&#8221; open=&#8221;true&#8221;]<\/p>\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<p>[\/vc_toggle][vc_toggle title=&#8221;Do low-interest credit cards offer additional benefits?&#8221; open=&#8221;true&#8221;]<\/p>\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<p>[\/vc_toggle][vc_toggle title=&#8221;How can I apply for a low-interest credit card in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\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<p>[\/vc_toggle][vc_toggle title=&#8221;Who is eligible for a low-interest credit card in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Eligibility for a low-interest credit card in Canada depends on factors such as your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/101-credit-score\/\">credit score<\/a>, income, financial history, and other criteria determined by the card issuer.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What are the advantages of paying off low-interest credit card balances quickly?&#8221; open=&#8221;true&#8221;]<\/p>\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<p>[\/vc_toggle][vc_toggle title=&#8221;Where can I find up-to-date information on low-interest credit cards in Canada?&#8221; open=&#8221;true&#8221;]<\/p>\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 title=\"the milesopedia facebook group\" href=\"https:\/\/milesopedia.com\/en\/go\/fbgroupe\/\" rel=\"noindex\">community<\/a>. Be sure to check back regularly to stay informed of current offers.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Can I transfer my balance to a low-interest credit card?&#8221; open=&#8221;true&#8221;]<\/p>\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:\/\/milesopedia.com\/en\/guide\/tutorials\/credit-card-balance-transfer\/\">terms and conditions related to balance transfers<\/a>.  Check out the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/transfer\/\">best credit card offers for balance transfers<\/a>.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;] 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 [&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 v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best Low-Interest Credit Cards | April 2026 | Milesopedia<\/title>\n<meta name=\"description\" content=\"Low interest rate? 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