low interest


 

American Express Essential™ Credit Card More About American Express Essential™ Credit Card Enjoy a low 8.99% interest rate on purchases Card Details Annual Fee Free Interest Rate 8.99% Balance Transfer 22.99% Enjoy a 1.99% interest in first 6 months Cash Advance 8.99% Credit Score Good Rewards 0.00% maximum Enjoy a low 8.99% interest rate on purchases Have the flexibility to pay your balance in full or over time Optional Balance Transfer Offer – Enjoy a 1.99% interest in first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card* Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application* Access to memorable experiences with American Express Invites™ Shopping coverage and 24/7 Customer Service No annual fee for supplementary card Missed payment applicable rates, 23.99% on purchases and 26.99% on funds advances. *American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions apply. Features and Benefits Purchase protection and extended warranty Travel accident insurance Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

CIBC Air Canada® AC conversion™ Visa* Prepaid Card More About CIBC Air Canada® AC conversion™ Visa* Prepaid Card Multi-Currency: Load up and hold up to 10 different currencies on the same card Card Details Annual Fee Free Interest Rate 0.00% Balance Transfer – Cash Advance – Credit Score – Rewards 0.00% maximum It’s not a credit card. It’s an easy-to-use, secure place to carry up to 10 currencies on one card – and pay like a local in 45 countries. $0: The card is free to buy Multi-Currency: Load up and hold up to 10 different currencies on the same card. When abroad, the card intelligently pays with the correct currency based on your destination Reloadable: Reload the card anytime through the web or through the AC conversion mobile app. Funds show up on the card instantly so you can top up your card 24/7. Safety: With CHIP and PIN security the AC conversion card provides a convenient payment method that is not linked to your primary bank account Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.
National Bank Syncro Mastercard® More About National Bank Syncro Mastercard® Competitive variable interest rate, an attractive alternative to fixed-rate credit cards. Card Details Annual Fee $35.00 35 after the first year Interest Rate 8.90% Prime Rate + 4% Balance Transfer 8.90% Prime Rate + 4% Cash Advance 8.90% Prime Rate + 4% Credit Score Good Rewards 0.00% maximum The competitive interest rate applies to purchases as well as cash advances Protect your purchases with an insurance program you can count on Protect yourself against unauthorized purchases thanks to the Mastercard® Zero Liability program. Legal notes and terms and conditions of credit ® Mastercard is a registered trademark of Mastercard International Incorporated. Authorized User: National Bank of Canada Features and Benefits Purchase protection and extended warranty Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.
TD Emerald Visa Card More About TD Emerald Visa Card Reduce monthly interest charges through low competitive rates pending assesment Card Details Annual Fee $25.00 25 after the first year Interest Rate 9.75% TD Prime + 1.50% to TD Prime + 12.75% Balance Transfer – TD Prime + 1.50% to TD Prime + 12.75% Cash Advance – TD Prime + 1.50% to TD Prime + 12.75% Credit Score Fair Rewards 0.00% maximum Interest rate fluctuates with TD Prime rate. Rates range from TD Prime + 1.75% to TD Prime + 9.75% depending on credit assessment. No-Fee balance transfers. Preferred rates at Avis and Budget Rent a Car. Features and Benefits Avis Rental Car Discount Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.
Desjardins Modulo Visa More About Desjardins Modulo Visa The satisfaction of a low rate, the joy or rewarding yourself Card Details Annual Fee $50.00 50 after the first year Interest Rate 10.90% Balance Transfer 10.90% Cash Advance 10.90% Credit Score Good Rewards 0.00% maximum Reduced interest rate 1% of purchases in BONUSDOLLARS Simplicity of rewards program: 1 Bonusdollar = $1 EARNING RATE: – 1% in BONUSDOLLARS on all purchases Value of BONUSDOLLARS: – 1 BONUSDOLLAR = $1 BONUSDOLLARS redemption: – Travel without restriction – Gift rewards – Desjardins financial products and services – Show tickets – Donations – Public transit tickets – Emergency health care insurance: up to 3 days (max. $5 M/pers.) – Trip interruption and cancellation insurance: Up to 3 days max. $500/person (before departure) max. $1,000/person (after departure) – Baggage insurance: up to 3 days $500/person – Mobile Device Insurance up to $ 1,000 (cell phone, smart phone or tablet) is lost, stolen, experiences mechanical failure or is damaged accidentally. -Up to 20% Hertz discout -Alerts (minimum payment due) Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.
RBC Visa Classic Low Rate More About RBC Visa Classic Low Rate Card Details Annual Fee $20.00 20 after the first year Interest Rate 11.99% Balance Transfer 11.99% Cash Advance 11.99% Credit Score – Rewards 0.00% maximum Low fixed annual interest rate of 11.99% on both purchases and cash advances Low $20 annual fee No annual fee for additional cards Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.
Scotiabank Value® VISA* card More About Scotiabank Value® VISA* card Special 0.99% introductory interest rate on balance transfers for the first 6 months* Card Details Annual Fee $29.00 29 after the first year Interest Rate 11.99% Balance Transfer 0.99% Cash Advance 11.99% Credit Score Good Rewards 0.00% maximum 0.99% introductory interest rate on balance transfers for the first 6 months* Save hundreds of dollars in interest a year Low 11.99% interest rate Pay down balances faster Simplify your monthly payments Rates, fees and other information are effective as of February 1, 2018. Subject to change. Features and Benefits Purchase protection and extended warranty Avis Rental Car Discount Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.
CIBC Select VisaTM More About CIBC Select VisaTM Low interest rate on purchases and cash transactions + Low annual fee Card Details Annual Fee $29.00 29 after the first year Interest Rate 13.99% Balance Transfer 13.99% Cash Advance 13.99% Credit Score Fair Rewards 0.00% maximum Lower interest rate helps if you usually carry a balance. Car rental discounts of up to 25% at participating Avis and Budget locations. Free personalized CIBC Convenience Cheques. Features and Benefits Travel medical insurance Travel accident insurance Avis Rental Car Discount Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

Desjardins Classic Visa
More About Desjardins Classic Visa
The essential low-rate card
Card Details
Annual Fee $30.00
30 after the first year
Interest Rate 12.90%
Balance Transfer 12.90%
Cash Advance 12.90%
Credit Score Good
Rewards 0.00%
maximum
Reduced interest rate
Mobile Device Insurance
– Emergency health care insurance:
up to 3 days (max. $5 M/pers.)
– Trip interruption and cancellation insurance:
up to 3 days
max. $500/person (before departure)
max. $1,000/person (after departure)
– Baggage insurance:
up to 3 days $500/person
– Mobile Device Insurance up to $ 1,000 (cell phone, smart phone or tablet) is lost, stolen, experiences mechanical failure or is damaged accidentally.
– Up to 10% Hertz discout
– Alerts (minimum payment due)
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

MBNA Platinum Plus® Mastercard® Credit Card
More About MBNA Platinum Plus® Mastercard® Credit Card
You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
Card Details
Annual Fee Free
Interest Rate 19.99%
Balance Transfer 0.00%
Cash Advance 24.99%
Credit Score Good
Rewards 0.00%
maximum
Simplify your finances while enjoying platinum services
You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50))
Access to 24/7 customer service
Around-the-clock-fraud protection
Immediate cash access at over 1 million ATMS worldwide
No annual fee
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

Desjardins Elegance Gold Visa
More About Desjardins Elegance Gold Visa
Get rewards for less
Card Details
Annual Fee $30.00
30 after the first year
Interest Rate 19.90%
Balance Transfer 19.90%
Cash Advance 19.90%
Credit Score Good
Rewards 1.00%
maximum
1% of purchases in BONUSDOLLARS
Mobile Device Insurance
Simplicity of rewards program:
1 Bonusdollar = $1
EARNING RATE:
– 1% in BONUSDOLLARS on all purchases
BONUSDOLLARS value:
– 1 BONUSDOLLAR = $1
BONUSDOLLARS redemption:
– Unrestricted travel
– Gift rewards
– Desjardins financial products and services
– Show tickets
– Donations
– Public transit tickets
– Emergency health care insurance:
up to 3 days (max. $5 M/pers.)
– Trip interruption and cancellation insurance: Up to 3 days
max. $500/person (before departure)
max. $1,000/person (after departure)
– Baggage insurance:
up to 3 days $500/person
– Mobile Device Insurance up to $ 1,000 (cell phone, smart phone or tablet) is lost, stolen, experiences mechanical failure or is damaged accidentally.
Up to 20% Hertz discout
Alerts (minimum payment due)
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.
Powered by
RefreshTM Secured Visa*
More About RefreshTM Secured Visa*
Build credit with Refresh’s Secured Credit Card
Card Details
Annual Fee $12.95
12.95 after the first year
Interest Rate 17.99%
Balance Transfer –
Cash Advance 17.99%
Credit Score No Credit
Rewards 0.00%
maximum
Build credit with Refresh’s Secured Credit Card
Easy Approval – as long as you are the age of majority
Security deposit starts at $200 and goes as high as $10,000
Low fees and interest
All cardholders get free access to (www.refresh.fit) a Financial Education program
Get all the benefits of VISA while building your credit
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

Home Trust Secured Visa Card
More About Home Trust Secured Visa Card
Your best chance to get the credit you deserve – with a minimum deposit of $500!
Card Details
Annual Fee $59.00
59 after the first year
Interest Rate 14.90%
Balance Transfer –
Cash Advance 19.80%
Credit Score No Credit
Rewards 0.00%
maximum
Build or re-build your credit, even if you’ve had credit difficulties in the past, or have never had a credit card before!
An excellent opportunity to establish your credit rating
Virtually everyone is approved
Make purchases over the phone or online
Plan and book a vacation
Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo
Shop at over 24 million locations worldwide
Choose between a monthly fee of $5 or an annual fee of $59
How does the Secured Visa Credit Card Work?
With a secured credit card, you are given access to credit but you are required to provide a security deposit for eligibility.
How much is the deposit?
The minimum deposit is $500 but you can put down as much as $10,000
How do I send my deposit?
When your application is complete, please mail your security deposit (personal or personal certified cheque, money order or bank draft from a Canadian Financial Institution, payable to “Home Trust Company”) to:
Home Trust Company
Attn: Visa Department
145 King St. West, Suite 2300
Toronto, ON
M5H 1J8
Note: We will not accept cash, for your security deposit. Preferred IDs include a current Provincial Driver’s License, Canadian Passport or Certificate of Canadian Citizenship. Other acceptable IDs include a Birth Certificate or Social Insurance Card.
Can I get my deposit back?
Yes, if you decide to close your credit card account send the full payment of your credit card balance and your security funds will be returned to you.
If you are not approved, your security deposit will be immediately returned to you.
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

Canadian Tire Options® Mastercard®
More About Canadian Tire Options® Mastercard®
Canadian Tire Options® Mastercard® cardholders collect Canadian Tire Money® everywhere they shop, and collect more at Canadian Tire stores
Card Details
Annual Fee Free
Interest Rate 19.99%
Balance Transfer 22.99%
Cash Advance 22.99%
Credit Score Good
Rewards 4.00%
maximum
Collect 4%† Canadian Tire Money® every day at Canadian Tire, including Automotive service
Collect Canadian Tire Money at Mark’s®, Sport Chek® and PartSource®
Collect Canadian Tire Money at participating Canadian Tire Gas+ locations1
Collect Canadian Tire Money everywhere else you shop
Rewards that don’t expire. Redeem rewards for a wide range of necessities at Canadian Tire stores
Buy Now, Pay Later, Financing Options available at participating Mark’s, Sport Chek and Canadian Tire stores
Apple Pay™ or Android Pay™
No Annual Fee
Tap & Go™
My Online Account
eStatements
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

No-Fee Scotiabank Value® VISA* card
More About No-Fee Scotiabank Value® VISA* card
3.99% introductory interest rate on balance transfers for the first 6 months*
Card Details
Annual Fee Free
Interest Rate 16.99%
Balance Transfer 3.99%
Cash Advance 3.99%
Credit Score Good
Rewards 0.00%
maximum
3.99% introductory interest rate on balance transfers for the first 6 months*
A great low rate with no annual fee
Pay down balances faster
Simplify your monthly payments
Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Features and Benefits
Avis Rental Car Discount
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

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