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Best Low Interest Cards

If you think you may not be able to pay off your balance in full every month, then it makes no sense to get a rewards card. Because interest rates are so high on rewards cards (averaging between 19.99% and 23.99%), any rewards you get will be offset by even a low amount of interest paid.

Last Updated: 20 Oct, 2018
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Credit Card Annual Reward Value Signup Bonus Annual Fee Interest Rate BT Rate
Affinity Student Mastercard

Affinity Student Mastercard

$0
$0.00
$0.00
11.90%
None
American Express Essentials Credit Card

American Express Essentials Credit Card

$0
$0.00
$0.00
8.99%
1.99%
CWB Platinum Plus Mastercard

CWB Platinum Plus Mastercard

$0
$0.00
$0.00
9.99%
9.99%
CIBC Bizline Visa Card

CIBC Bizline Visa Card

$0
$232.00
$0.00
4.99%
0.00%
HMECU Student Mastercard

HMECU Student Mastercard

$0
$0.00
$0.00
11.90%
11.90%
Home Trust Equityline Visa Card

Home Trust Equityline Visa Card

$0.00
$0.00
5.99%
None
MBNA True Line Mastercard

MBNA True Line Mastercard

$0
$0.00
$0.00
12.99%
2.99%
RBC RateAdvantage Visa

RBC RateAdvantage Visa

$0
$0.00
$0.00
8.45%
None
RBC Visa CreditLine For Small Business

RBC Visa CreditLine For Small Business

$0
$0.00
$0.00
4.35%
None
Scotia Momentum® Mastercard® Credit Card

Scotia Momentum® Mastercard® Credit Card

Sponsored
$0.00
$0.00
7.99%
22.99%
No-Fee Scotiabank Value® Visa Card

No-Fee Scotiabank Value® Visa Card

Sponsored
$0
$0.00
$0.00
16.99%
3.99%
Tangerine Money Back Credit Card

Tangerine Money Back Credit Card

Sponsored
$0.00
$0.00
19.95%
1.95%
TD Venture Line Of Credit Visa

TD Venture Line Of Credit Visa

$0
$0.00
$0.00
5.85%
None
BMO Preferred Rate Mastercard

BMO Preferred Rate Mastercard

$0
$0.00
$20.00
11.90%
3.99%
RBC Visa Classic Low Rate Options

RBC Visa Classic Low Rate Options

$0
$0.00
$20.00
11.99%
None
Affinity Low Rate Business Mastercard

Affinity Low Rate Business Mastercard

$0.00
$25.00
12.90%
None
CWB Low Rate Visa Business Card

CWB Low Rate Visa Business Card

$0.00
$25.00
12.90%
None
Collabria Low Rate Business Mastercard

Collabria Low Rate Business Mastercard

$0
$0.00
$25.00
12.90%
12.90%
Collabria Low Rate Business Visa

Collabria Low Rate Business Visa

$0
$0.00
$25.00
12.90%
12.90%
HMECU Low Rate Business Mastercard

HMECU Low Rate Business Mastercard

$0
$0.00
$25.00
12.90%
12.90%
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Low interest cards often have no rewards or incentives for use, other than just being a credit card. However, with interest rates substantially lower than rewards cards, you could potentially save more money with a low interest card than you would earn with a rewards card.

Be careful though – if you start missing payments, the interest rate will increase! Some cards may even have higher interest rates after missing a couple payments than a rewards card.

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