Canadian Credit Cards
A list of the credit cards with the lowest interest rates in Canada.
1. Gold MasterCard® Credit Card - Fixed 9.99% AIR
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| Interest Rate*: | 9.99%* |
|---|---|
| Intro Rate: | Please refer to online application legal disclosures. |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: n/a
Our Opinion: The Gold MasterCard® Credit Card - Fixed 9.99% AIR is issued by MBNA Canada is available to Canadian residents and provides cardholders with low fixed interest rates and common platinum cardholder services. There is no annual fee for this credit card program and some applicants may even qualify for credit limits upwards of $100,000. Cardholders can also take advantage of the platinum benefits that come with the card which include fraud protection, emergency card replacement, 24-hour customer service, online account access, and access to thousands of ABMs worldwide. Those who do not qualify for the platinum card may be considered for preferred card, which varies in terms of benefits and credit limits.
2. Eco-Logique™ MasterCard® Credit Card
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| Interest Rate*: | 17.99%* |
|---|---|
| Intro Rate: | Please refer to online application legal disclosures. |
| Grace Period: | n/a |
| Credit Limit: | up to $100,000 |
| Annual Fee: | None |
Special Offers: n/a
Our Opinion: The Eco-Logique™ MasterCard® Credit Card, issued by MBNA Canada, is an eco-friendly credit card that is only available to Canadian residents. Those who are deeply concerned about the environment will find that the rewards program featured on this card provides a unique way to contribute to carbon offsetting efforts. Carbon offsets are certificates or credits that represent a reduction in greenhouse gas emissions by a company or organization. Cardholders will earn one carbon offset point for every dollar they spend using the card. MBNA Canada will then redeem the points automatically and use the equivalent funds (0.50% of net retail expenses) to acquire carbon offsets on the cardholder's behalf. This card does not require an annual fee. There is a 1.9% introductory AIR on balance transfers and cheque cash advances for the first six months of establishing an account. Rates for purchases, balance transfers, and cash advances are fixed, so cardholders can look forward to stability when using this card. As the environment benefits from carbon offsetting, cardholders can enjoy the additional benefits that come with the card. These benefits include a credit limit that may be as much as $100,000, fraud protection, online account management, and more. Canadian residents who are looking for a convenient way to lend a hand in environmental preservation efforts will find that the Eco-Logique™ MasterCard® Credit Card is equipped to do the job.
3. Platinum Plus® MasterCard® Credit Card - 1.99 for 10
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| Interest Rate*: | 17.99%* |
|---|---|
| Intro Rate: | Please refer to online application legal disclosures. |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: n/a
Our Opinion: The Platinum Plus® MasterCard® Credit Card - 1.99 for 10, issued by MBNA Canada, is available to Canadian residents and provides cardholders with fixed interest rates and common platinum cardholder services. There is no annual fee for this credit card program and cardholders will benefit from the low introductory AIR for the first six months on balance transfers and cheque cash advances. Some applicants may even qualify for credit limits upwards of $100,000. The average interest rate (AIR) is fixed for purchases, balance transfers, and cash advances. There is no annual fee. The low introductory rate is available for six months, and applies to balance transfers and cash advance cheques. Cardholders can also take advantage of the platinum benefits that come with the card, which include fraud protection, emergency card replacement, 24-hour customer service, online account access, and access to thousands of ABMs worldwide. Those who do not qualify for the platinum card may be considered for the preferred card, which varies in terms of benefits and credit limits.
4. Best Western MasterCard® Credit Card
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| Interest Rate*: | 19.99%* |
|---|---|
| Intro Rate: | Please refer to online application legal disclosures. |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: n/a
Our Opinion: The Best Western MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents with a clear, but established credit history. In the rewards program that comes with this card, cardholders can earn Best Western Rewards points which can be used at Best Western locations internationally. The standard earning rate is 1.5 Best Western Rewards points for every $1 spent on purchases. Cardholders will also be awarded 5,000 bonus points after making a first purchase with the card and an additional 50 Best Western Rewards points for every cash advance transaction occurrence that is over $50. Cardholders will have access to 24-hour customer service assistance and access to their account at anytime. Purchases, balance transfers, and cash advances all have fixed AIRs and there is no introductory offer available on transactions. Those who do not meet the qualifications for the Best Western MasterCard® Credit Card may be considered for the preferred card, which varies in the terms of benefits and credit limits.
6. WorldPoints® MasterCard® Credit Card
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| Interest Rate*: | 19.99%* |
|---|---|
| Intro Rate: | Please refer to online application legal disclosures. |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: n/a
Our Opinion: The WorldPoints® MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents and provides cardholders with access to a fixed interest rate, a rewards program, and platinum cardholder services. This credit card does not have an annual fee and does not have an introductory rate. Cardholders, however, will benefit from the fixed AIRs for all transactions. This card comes with a rewards program where cardholders can earn one point for every dollar they spend on purchases. All points earned can be redeemed for merchandise, travel, gift cards and certificates. Cardholders can also take advantage of the platinum benefits that come with the card which include online account access and access to thousands of ABMs worldwide. Those who do not qualify for the platinum card may be considered for the preferred card, which varies in terms of benefits and credit limits.
7. Sony Card MasterCard® Credit Card
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| Interest Rate*: | 19.99%* |
|---|---|
| Intro Rate: | Please refer to online application legal disclosures. |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: n/a
Our Opinion: The Sony Card MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents with an established Canadian credit file that is free of bankruptcies or serious delinquencies. This card has a rewards program designed especially for gadget lovers, as every purchase earns points toward purchases at SonyStyle.ca. Plus, the first qualifying transaction made with the Sony Card MasterCard® Credit Card garners cardholders a bonus of 2,000 Sony Points. Each time cardholders purchase Sony products from SonyStyle.ca or the Sony Store/Maison Sony, cardholders receive double points. Points accrue for all other purchases at one point per dollar spent. Cardholders will be able to redeem their points for Sony products including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media, and more. All purchases, balance transfers, and cash advances made with the Sony Card MasterCard® Credit Card have fixed AIRs. There is no introductory offer available. Those who do not meet the qualifications for the Sony Card MasterCard® Credit Card may be considered for the preferred card, which varies in the terms of benefits and credit limits.
8. Pharmaprix Optimum® MasterCard®
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| Interest Rate*: | 19.99% |
|---|---|
| Intro Rate: | Please refer to online application legal disclosures. |
| Grace Period: | 21 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: n/a
Our Opinion: The Pharmaprix Optimum® MasterCard®, issued by MBNA Canada, is a rewards credit card available to residents of Quebec. It's easy to rack up points using this rewards card. Earn 25 points for every $1 you spend at Pharmaprix, and earn 5 points for every $1 you spend anywhere else. You will also receive a bonus 15,000 points after your first purchase. There is no limit to the number of points you can earn. When you become a Pharmaprix Optimum® MasterCard® cardholder, you gain free membership into the Pharmaprix Optimum Program®. Cardholders can redeem their points to receive instant savings of up to 100% on almost any item at Pharmaprix stores. For example, after earning 7,000 points, you can save $10 on your next Pharmaprix purchase. In addition to the rewards program, the Pharmaprix Optimum® MasterCard® offers several other benefits, including a 1.99% APR on cheque cash advances and balance transfers for the first 6 months. Cardholders enjoy free and secure online access to their credit card accounts, allowing them to access statements, view transactions in real time and add authorized users, among other things. With the Pharmaprix Optimum® MasterCard®, cardholders have access to unparalleled 24-hour customer service. The card offers purchase protection, which protects credit card purchases against damage or theft for up to 90 days. This card also offers around-the-clock fraud protection.
9. Shoppers Optimum® MasterCard®
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| Interest Rate*: | 19.99% |
|---|---|
| Intro Rate: | Please refer to online application legal disclosures. |
| Grace Period: | 21 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: n/a
Our Opinion: The Shoppers Optimum® MasterCard®, issued by MBNA Canada, is a rewards credit card available to residents of Canada. It's easy to rack up points using this rewards card. Earn 25 points for every $1 you spend at Shoppers Drug Mart, and earn 5 points for every $1 you spend anywhere else. You will also receive a bonus 15,000 points after your first purchase. There is no limit to the number of points you can earn. When you become a Shoppers Optimum® MasterCard® cardholder, you gain free membership into the Shoppers Optimum Program®. Cardholders can redeem their points to receive instant savings of up to 100% on almost any item at Shoppers Drug Mart stores. For example, after earning 15,000 points, you can save $25 on your next Shoppers Drug Mart purchase. In addition to the rewards program, the Shoppers Optimum® MasterCard® offers several other benefits, including a 1.99% APR on cheque cash advances and balance transfers for the first 6 months. Cardholders enjoy free and secure online access to their credit card accounts, allowing them to access statements, view transactions in real time and add authorized users, among other things. With the Shoppers Optimum® MasterCard®, cardholders have access to unparalleled 24-hour customer service. The card offers purchase protection, which protects credit card purchases against damage or theft for up to 90 days. This card also offers around-the-clock fraud protection.
