Compare Credit Cards

The New Way to Shop for a Credit Card

There are more credit card options available now than ever before. From rewards to cash back, guaranteed to student, and even low interest, at LowestRates.ca you can find the credit card that is right for you. By comparing offers from Canada's leading credit card providers, at LowestRates.ca you will find the perfect credit card for your lifestyle, with the best perks and lowest interest rates.

The Best Credit Cards

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0% Interest Rate on Balance Transfers for 12 Months!

Platinum Plus® MasterCard® - 0 for 12

0% annual interest rate† (AIR) on balance transfers* and deposits* for the first 12 full months

0% for your first 12 billing cycles

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
21.99% after 12 months
19.99 % 0.00 % 24.99 % $ 0 Good

Benefits:

  • No annual fee
  • 0% annual interest rate† (AIR) on balance transfers* and deposits* for the first 12 full months

Added Benefits:

  • Around-the-clock fraud protection
  • Online access to your credit card account
  • Unparalleled 24-hour customer service
  • International acceptance at millions of locations
  • No annual fee
  • Enhanced security and protection with Chip & PIN technology and PayPass

Get a FREE $75 Gift Card Upon Approval! Apply Now!

Scotiabank Value® VISA

Save hundreds of dollars a year

0.99% interest rate on cash advances and balance transfers for the first six months for accounts opened by June 30, 2014

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
11.99% after 6 months 11.99% after 6 months
11.99 % 0.99 % 0.99 % $ 29 Good

Benefits:

  • This card is for: Mass market, working adults, who carry balances on cards
  • Low 11.99% interest rate
  • Interest free grace period of at least 21 days on purchases

Added Benefits:

  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount

The American Express® Gold Credit Card with Cash Back

Earn up to 2% cash back on annual purchases (up to $100,000, 1% thereafter)

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % N/A N/A $ 99 Excellent

Benefits:

  • Earn up to 2% cash back on annual purchases (up to $100,000, 1% thereafter)
  • On the first $2,500 charged to your Card, you can earn 0.5% cash back
  • On the next $2,500 charged to your Card, you can earn 1.0% cash back
  • On annual purchases over $5,000 up to and including $100,000 charged to your Card, you can earn 2.0% cash back
  • For any amount over $100,000, you can earn 1.0% cash back
  • Share many of the benefits with Supplementary Cards and increase your potential cash back
  • Buyer’s Assurance® Protection Plan and Purchase Protection® Plan
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions Apply.

Get a FREE $75 Gift Card Upon Approval! Apply Now!

Scotia Momentum VISA Infinite

Maximum cash back on everyday spending

$99 annual fee is waived for the first year for accounts opened by June 30, 2014

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
21.99% after 6 months 21.99% after 6 months $99 after the first year
19.99 % 0.99 % 0.99 % $ 0 Excellent

Benefits:

Added Benefits:

  • VISA Infinite Complimentary Concierge Service - available 24/7
  • Access to VISA Infinite Luxury Hotel Collection
  • VISA Infinite Dining Series - Unique dining experiences in some of Canada's top restaurants
  • Special access to unique offers and experiences
  • Rental car collision insurance
  • Purchase security and extended warranty protection

Up to 5% Cash Back on Gas and Groceries for 6 Months!

Smart Cash MasterCard®

Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months†

1.99% for your first 10 billing cycles

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
21.99% after 10 months
19.99 % 1.99 % 24.99 % $ 0 Good

Benefits:

  • How Smart Cash Works
    • Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡
    • Up to 2% cash back on eligible gas and grocery purchases thereafter‡
    • And, up to 1% cash back on all of your other eligible purchases‡
    • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
    • Enjoy free online access to your credit card account
    • And, with no annual fee and free additional cards you'll start to see the benefits right away.
  • Rewarding yourself is easy
    • Once your cash back totals at least $50 at the end of a monthly billing cycle, we'll automatically mail you a cheque‡ - it's that simple.


Sony Card MasterCard®

Receive 2,000 Bonus Sony Points (a $20.00 value) after your first eligible purchase††

1.99% for your first 10 billing cycles

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99% after 10 months
19.99 % 1.99 % 19.99 % $ 0 Good

Benefits:

  • No annual fee
  • Earn Sony Points on eligible purchases made using your Sony Card MasterCard®‡
  • Get 2,000 Sony Points after your first eligible transaction††
  • Earn Double Sony Points on eligible purchases of Sony products at sony.ca or the Sony store/Maison Sony‡
  • Redeem Sony Points toward any Sony product online at sony.ca. Choose from the latest audio, video, gaming products and more
  • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months

Added Benefits:

  • Feel secure with around-the-clock fraud protection
  • Enjoy free online access to your credit card account
  • Enhanced security and protection with Chip & PIN technology and PayPass

Blue Sky® Credit Card

Earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % N/A N/A $ 0 Good

Benefits:

  • Earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership
  • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card
  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card
  • Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions.
  • $100,000 Travel Accident Insurance
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions Apply.

Get a FREE $50 Gift Card Upon Approval! Apply Now!

No-Fee Scotiabank Value® VISA

Save hundreds of dollars a year

3.99% interest rate on cash advances and balance transfers for the first six months for accounts opened by June 30, 2014

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
16.99% after 6 months 16.99% after 6 months
16.99 % 3.99 % 3.99 % $ 0 Good

Benefits:

  • This card is for: Mass market, working adults, carry balances on cards
  • 16.99% interest rate
  • Interest free grace period of at least 21 days on purchases

Added Benefits:

  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount
  • VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more

TrueLine MasterCard® - Fixed 9.99% AIR

9.99% annual interest rate on eligible purchases

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
9.99 % 9.99 % 24.99 % $ 0 Good

Benefits:

  • No annual fee
  • Exclusive Platinum benefits and peace of mind
  • Add authorized users at no additional cost

Added Benefits:

  • Around the clock fraud protection
  • Enhanced security and protection with Chip & Pin technology

American Express® Gold Rewards Card

Earn a Welcome Bonus of 25,000 Membership Rewards® points - our HIGHEST Gold Rewards Card offer - just by making $500 in purchases in the first three months of Cardmembership

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
$150 after the first year
30.00 % N/A N/A $ 0 Excellent

Benefits:

  • Earn a Welcome Bonus of 25,000 Membership Rewards® points - our HIGHEST Gold Rewards Card offer - just by making $500 in purchases in the first three months of Cardmembership.
  • That's enough for a round trip flight to almost anywhere in North America
  • Earn double points on eligible travel and everyday purchases
  • Transfer your points to frequent flyer programs, or 1:1 to Aeroplan®* and Avios
  • Charge any travel to your Card then pay for it with points
  • 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply

mbna rewards Studentawards

Earn 1 mbna rewards point for every qualifying $1 spent on retail transactions‡

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % 19.99 % 19.99 % $ 0 Fair

Benefits:

  • 1,000 bonus points after your first eligible purchase††
  • 1,000 bonus points each year on your account anniversary date‡
  • Redeem points for cash back, charitable donations, travel, brand-name merchandise and gift cards from top retailers
  • No annual fee

Added Benefits:

  • No Rewards Point Limits

mbna rewards World Elite MasterCard

2 mbna rewards points for every $1 in eligible purchases‡
10,000 bonus points†† with first eligible purchase

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
$89 after the first year
19.99 % 21.99 % 24.99 % $ 0 Good

Benefits:

  • 2 mbna rewards points for every $1 in eligible purchases‡
  • $89 annual fee (waived for the first year)
  • No limit to the points that can be earned in a year, points don't expire
  • Excellent redemption value
  • World Elite Benefits

Added Benefits:

  • Price Protection***
  • Concierge Service***
  • World Offers

Get a FREE $50 Gift Card Upon Approval! Apply Now!

SCENE® VISA

Free movies and more

2,000 bonus SCENE points (equivalent to 2 free movies) for accounts opened by May 31, 2014

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % 21.99 % 21.99 % $ 0 Good

Benefits:

  • This card is for: Mass market, working adults and students, skews younger, 18-35 yrs, attractive for students
  • 2,000 bonus SCENE points - that's two free movies
  • Earn one SCENE point for every dollar you spend
  • Earn five SCENE points for every dollar you spend at participating Cineplex Entertainment theatre or online at cineplex.com

Added Benefits:

  • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards
  • No annual fee
  • 20% AVIS rental card discount
  • VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.

American Express® AeroplanPlus®* Gold Card

Special Offer: Earn 25,000 Bonus Aeroplan®* Miles after you spend $500 in your first three months of Cardmembership. Offer ends July 14th, 2014.

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
$120 after the first year
30.00 % N/A N/A $ 0 Excellent

Benefits:

  • Special Offer: Earn 25,000 Bonus Aeroplan®* Miles after you spend $500 in your first three months of Cardmembership. Offer ends July 14th, 2014.
  • Pay no annual fee for the first year. A value of $120*.
  • Earn 1 Aeroplan Mile for every $1 in Card purchases up to $10,000
  • Accelerate your earn rate to 1.25 Aeroplan Miles for every additional $1 in Card purchases over $10,000 annually
  • Earn Aeroplan Miles faster with two free Supplementary Cards – a $100 value ($50 for each additional Supplementary Card*)
  • Travel to more than 1,000 destinations in more than 180 countries worldwide with Air Canada and Star Alliance Member Airlines™**
  • In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, experiential rewards, merchandise and more
  • * As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Offer subject to change without notice.
  • Conditions apply

American Express® AeroplanPlus®* Platinum Card

Earn 40,000 Bonus Aeroplan®* Miles after you spend $1,000 in your first three months of Cardmembership

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
30.00 % N/A N/A $ 499 Excellent

Benefits:

  • Earn 40,000 Bonus Aeroplan®* Miles after you spend $1,000 in your first three months of Cardmembership
  • Earn 1.25 miles for every dollar in purchases you charge to the Card, up to $25,000
  • Accelerate your earn rate to 1.5 miles for every dollar in purchases over $25,000 annually
  • Enjoy a 2-for-1 short-haul flight reward when you redeem 15,000 Aeroplan Miles, with the Partner Ticket benefit
  • Bypass the regular check-in line at the airport with access to Air Canada Executive First®*/Executive Class®* Priority Airport Check-in
  • Go confidently with coverage that's as broad as your horizons, including Car Rental Theft and Damage Insurance, Emergency Medical Insurance (out of province/country), and much more.
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply

American Express® AeroplanPlus®* Card

Earn 5,000 Bonus Aeroplan®* Miles after your first use of an approved Card

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
$60 after the first year
30.00 % N/A N/A $ 0 Good

Benefits:

  • Earn 5,000 Bonus Aeroplan®* Miles after your first use of an approved Card
  • Earn 1 Aeroplan Mile for every $1 in Card purchases
  • Earn Aeroplan Miles twice at over 150 Aeroplan Partners
  • No annual fee for the first year. A value of $60
  • Supplementary AeroplanPlus Cards are FREE for the first year, $20 each annually thereafter
  • Travel to more than 1,000 destinations in more than 180 countries worldwide with Air Canada and Star Alliance Member Airlines™**
  • In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, experiential rewards, merchandise and more
  • * As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply

The American Express® AIR MILES®* Platinum Credit Card

Earn a Bonus of 1,000 Bonus AIR MILES® reward miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
*provided you make your minimum
monthly payments on time
*provided you make your minimum
monthly payments on time
$65 after the first year
19.99 % 21.99 % * 21.99 % * $ 0 Excellent

Benefits:

  • Earn a Bonus of 1,000 Bonus AIR MILES® reward miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership
  • Enjoy your first year free
  • Earn 1 reward mile for every $10 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $10 in Card purchases at other eligible grocery stores, gas stations, and drugstores in Canada
  • Plus, earn 1 reward mile for every $15 in Card purchases everywhere else
  • Shop at participating AIR MILES Sponsors across Canada with your Card and show your AIR MILES®* Collector Card, and you can earn reward miles twice
  • More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from movie tickets to electronics, travel and more
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply

The American Express® AIR MILES®* Credit Card

Earn a Bonus of 500 AIR MILES®* reward miles the first time you use an approved Card

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99% after first 12 months *provided you make your minimum
monthly payments on time
*provided you make your minimum
monthly payments on time
2.99 % 21.99 % * 21.99 % * $ 0 Good

Benefits:

  • Earn a Bonus of 500 AIR MILES®* reward miles the first time you use an approved Card
  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else
  • Shop at participating AIR MILES®* Sponsors across Canada with your American Express® AIR MILES®* Credit Card and your AIR MILES®* Collector Card, and you can earn reward miles twice
  • More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from movie tickets to electronics, travel and more
  • Special interest rate on purchases: 2.99% special interest rate on purchases for the first 12 months of Cardmembership, 19.99% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply

Get a FREE $75 Gift Card Upon Approval! Apply Now!

Scotiabank®* Gold American Express® Card

Earn travel rewards up to 4x faster

15,000 Scotia Rewards bonus points with first purchase - worth $150 in travel. PLUS, $99 annual fee waived for the first year for accounts opened by June 30, 2014.

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
$99 after the first year
19.99 % 21.99 % 21.99 % $ 0 Excellent

Benefits:

  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Supplementary card holder fee = $30

Added Benefits:

  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Comprehensive travel insurance
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Complimentary Concierge Services
  • Low price airfare alerts
  • Access to Priority Pass Lounges worldwide
  • Receive up to 25% off qualifying car rentals
  • Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
  • Redeem points for merchandise and other rewards

Get a FREE $50 Gift Card Upon Approval! Apply Now!

Scotia Momentum No-Fee VISA

Cash back on everyday spending

7.99% introductory rate on purchases for the first 6 months for accounts opened by June 30, 2014

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99% after 6 months
7.99 % 21.99 % 21.99 % $ 0 Good

Benefits:

  • This card is for: Mass market, working adults
  • 1% on eligible gas station, grocery store and drug store purchases and recurring bills
  • 0.5% cash back on all other eligible purchases

Added Benefits:

  • 20% AVIS rental card discount

The Platinum Card ®

Earn 50,000 Bonus Membership Rewards® points by spending $1,000 in purchases in the first three months of Cardmembership

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
30.00 % N/A N/A $ 699 Excellent

Benefits:

  • Earn 50,000 Bonus Membership Rewards® points by spending $1,000 in purchases in the first three months of Cardmembership
  • Platinum members are automatically enrolled in the Membership Rewards First™ Tier and earn 1.25 points for every dollar in purchases charged to the Card
  • The Platinum Card gives you access to exceptional lounge benefits such as the Canadian Platinum Lounge Benefit, Airport Club Program and access to the Cathay Pacific Business Class lounges and oneworld® alliance airlines Business Class lounges.
  • You will also have access to elevated status with many Hotel & Car Rental loyalty programs, $200 Annual Travel Credit for Travel Bookings through Platinum Card Travel Service, lodging benefits at a collection of over 700 Fine Hotels & Resorts around the world, access to special events and unique opportunities and a dedicated concierge team
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply

CAA-Quebec Dollars Platinum Plus MasterCard®

On top of 2¢ per litre of gas earned in CAA-Quebec Dollars when you show your CAA-Quebec membership card at the Couche-Tard counter ♢♢, receive up to 2% in CAA-QuebecDollars on all your eligible purchases ‡ - including gas -at participating Couche-Tard outlets

1.99% for your first 10 billing cycles

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99% after 10 months
19.99 % 1.99 % 19.99 % $ 0 Good

Benefits:

  • No annual fee
  • Earn up to 1% in CAA-Quebec Dollars‡ on your other eligible purchases
  • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months

Added Benefits:

  • Unparalleled 24-hour customer service
  • Online access to your credit card account
  • International acceptance at millions of locations
  • Enhanced security and protection with Chip & Pin technology and PayPass

The TrueEarnings® Card from Costco and American Express

You can earn cash back when you use your TrueEarnings® Card inside and outside of Costco

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.75% after first 6 months *provided you make your minimum
monthly payments on time
*provided you make your minimum
monthly payments on time
2.99 % 21.99 % * 21.99 % * $ 0 Good

Benefits:

  • You can earn cash back when you use your TrueEarnings® Card inside and outside of Costco.
  • Plus, there's no limit to the amount of cash back you can earn annually.
  • Earn 3% CASH BACK on eligible restaurant purchases
  • Earn UP TO 2% CASH BACK on eligible gas purchases
  • Earn UP TO 1% CASH BACK on everyday purchases - including at Costco®†
  • Add a FREE Supplementary Card – that person just needs to be a current member on your Costco account
  • Show your TrueEarnings Card for entry into any Costco warehouse and use it to pay for your purchases
  • Enjoy a special low interest rate on purchases: 2.99% for the first 6 months of Cardmembership, 19.75% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply.

American Express® Business Gold Rewards Card

Earn 25,000 Welcome Points (enough for a round-trip flight to almost anywhere in North America) if you reach $5,000 in purchases within the first 3 months of Cardmembership.

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
Which may be a tax deductible expense
30.00 % N/A N/A $ 250 Excellent

Benefits:

  • Earn 25,000 Welcome Points (enough for a round-trip flight to almost anywhere in North America) if you reach $5,000 in purchases within the first 3 months of Cardmembership.
  • Earn 1 Membership Rewards point for every dollar in eligible purchases charged to the Card
  • Earn 1 extra point for every dollar in eligible purchases made with merchants you pick from a select group of American Express merchants in Canada. You can earn up to a maximum of 250,000 extra points in each calendar year
  • Redeem points for statement credits on eligible business purchases charged to your Card at certain American Express merchants in Canada. These merchants provide goods and services in business categories such as equipment, technology, advertising and everyday business expenses
  • Enjoy the freedom of being able to transfer your points, at no charge, to many frequent flyer and other loyalty programs including 1:1 to Aeroplan®* and Avios.
  • Go online to access the paperless Expense Management Reports delivered quarterly and annually, for flexible tracking and simple tax preparation
  • Maximize your cash flow with up to 55 interest free days, so that money can come in before it goes out.
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply

More Rewards MasterCard®

25,000 Bonus points†† with the More Rewards credit card

1.99% for your first 6 billing cycles

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99% after 6 months
19.99 % 1.99 % 19.99 % $ 0 Good

Benefits:

  • No annual fee
  • Earn 3 points‡ for every $1 in eligible purchases virtually everywhere you shop using your More Rewards MasterCard credit card
  • Earn 4 pointsA for every $1 in eligible purchases at Save-On-Foods, Overwaitea Foods, Cooper's Foods, PriceSmart Foods or Urban Fare stores using your More Rewards credit card and More Rewards loyalty card together
  • Redeem your points for travel, merchandise, gift cards, charitable donations and select in-store grocery merchandise
  • 1.99% promotional annual interest rate† (AIR) on balance transfers* and deposits* for the first 6 full months,

Added Benefits:

  • Free online access to your credit card account
  • Free around-the-clock fraud protection

The Starwood Preferred Guest®* Credit Card from American Express

Earn 10,000 bonus Starpoints® after you charge $500 in purchases to your Card in your first three months of Cardmembership

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
*provided you make your minimum
monthly payments on time
*provided you make your minimum
monthly payments on time
19.99 % 21.99 % * 21.99 % * $ 120 Excellent

Benefits:

  • Earn 10,000 bonus Starpoints® after you charge $500 in purchases to your Card in your first three months of Cardmembership
  • Earn 1 Starpoint for every $1 in purchases charged to the Card
  • Enjoy a Free Weekend Night Award when you reach $40,000 in purchases each year
  • Experience Starwood Gold Preferred Guest status when you reach $30,000 in purchases each year
  • Redeem Starpoints for Free Nights with no blackout dates at over 1,100 of the world's most desired hotels in nearly 100 countries
  • Use Starpoints for flights on over 350 airlines with no blackout dates with SPG Flights
  • Experience once-in-a-lifetime events with SPG Moments
  • Get Front Of The Line®* access to tickets for some of the most popular concerts, theatre and special events
  • Annual interest rate 19.99% on purchases and 21.99% on funds advances
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply

Best Western MasterCard®

Receive 20,000 bonus Best Western Rewards points after your first eligible purchase††

1.99% for your first 10 billing cycles

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99% after 10 months
19.99 % 1.99 % 19.99 % $ 0 Good

Benefits:

  • Earn Best Western Rewards points for your everyday expenses!
  • Receive 20,000 bonus Best Western Rewards points after your first eligible purchase††
  • Earn 1.5 Best Western Rewards points for every $1 in eligible purchases‡
  • Receive 50 Best Western Rewards points for every cash advance transaction over $50‡
  • Receive a one tier elite status upgrade within the Best Western Rewards program when you spend $6,000 on your card within one year♦♦
  • Earn even more Best Western Rewards points by staying at Best Western hotels or spending with our retail partners

Alaska Airlines MasterCard®

25,000 Bonus Miles upon approval††
An annual coach Companion Fare every year from $118 (USD)($99 base fare, plus taxes and fees from $19)‡

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
18.99 % 19.99 % 19.99 % $ 75 Good

Benefits:

  • 1 mile per $1 spent on every eligible purchase‡
  • 3 miles per $1 spent on Alaska Airlines tickets, cargo purchases, in-flight purchases and vacation packages‡
  • Redeem miles for flights to over 700 destinations worldwide
  • $50 off a new Board Room membership initiation fee²

Added Benefits:

  • Secure 24-hour online access to your account information
  • International acceptance at millions of locations
  • Click to learn more about Enhanced security and protection with Chip & PIN technology and PayPass

Harley-Davidson® MasterCard®

Earn Harley-Davidson® Genuine Rewards that are redeemable for Harley Chrome® Cash‡

1.99% for your first 10 billing cycles

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99% after 10 months
17.99 % 1.99 % 19.99 % $ 0 Good

Benefits:

  • Redeem your Harley Chrome® Cash at any authorized participating Harley-Davidson® retailer nationwide
  • Use your card for eligible net retail purchases and you could enjoy entries into the quarterly Harley-Davidson® motorcycle contest‡ click here for official rules
  • No annual fee

Added Benefits:

  • Credit limits up to $100,000
  • Around the clock fraud protection
  • Enhanced security and protection with Chip & PIN technology and PayPass

Choice Privileges MasterCard®

Until June 9, 2014 only, earn up to 24,000 points¹ - enough for up to 3 FREE Nights¹ at over 1,500 Choice Privileges® locations across North America!

1.99% for your first 6 billing cycles

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99% after 6 months
19.99 % 1.99 % 19.99 % $ 0 Good

Benefits:

  • Using the no annual fee Choice Privileges MasterCard® credit card is an easy way to earn free hotel stays as you'll earn points every time you use it. Plus, you'll get automatically upgraded to Elite Gold status♦♦ - earning you more points for every eligible stay at a participating location.
  • Apply today and you'll earn:
    • Up to 24,000 points¹ - 8,000 points, enough for 1 free night upon your first purchase and an additional 16,000 points, enough for two more FREE nights upon making an eligible purchase by July 31, 2014.
    • Up to 15 points for every $1 in eligible purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, the Middle East, Mexico, Central America, the Caribbean and Australasia²
    • 2 points for every $1 spent on everyday eligible purchases‡
    • No annual fee
  • Plus, get automatically upgraded to Elite Gold status, which gives you♦♦:
    • The ability to book free nights 50 days in advance instead of 30 days
    • A 10% point bonus on every eligible stay

Get a FREE $75 Gift Card Upon Approval! Apply Now!

ScotiaHockey™ NHL® VISA

Choose your favourite team card

3,000 bonus ScotiaHockey Rewards points for accounts opened by June 30, 2014

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % 21.99 % 21.99 % $ 29 Good

Benefits:

  • This card is for: Hockey enthusiasts, skews a little younger, 18-40yrs
  • 3,000 bonus ScotiaHockey Rewards points
  • Earn one ScotiaHockey Rewards point for every dollar you spend on the card
  • Earn five points for every dollar you spend at SportChek and sportchek.ca
  • Supplementary card holder fee = $15

Added Benefits:

  • Redeem points for high end NHL or brand name merchandise, NHL game tickets, VIP NHL event experiences and more
  • Save 20% off purchases at the NHL's official online store shop.canada.NHL.com
  • 20% AVIS rental card discount
  • VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more

Get a FREE $75 Gift Card Upon Approval! Apply Now!

Scotia Momentum VISA

Cash back on everyday spending

1.99% interest rate on cash advances and balance transfers for the first six months for accounts opened by June 30, 2014

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
21.99% after 6 months 21.99% after 6 months
19.99 % 1.99 % 1.99 % $ 39 Good

Benefits:

  • This card is for: Mass market, working adults
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bills
  • 1% cash back on all other eligible purchases
  • Supplementary card holder fee = $15

Added Benefits:

  • Purchase security and extended warranty protection
  • 20% AVIS rental card discount

Get a FREE $50 Gift Card Upon Approval! Apply Now!

L’earn® VISA

Accelerated Moneyback reward program designed with students in mind

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % 21.99 % 21.99 % $ 0 Good

Benefits:

  • This card is for: Students only, 18-25yrs
  • Earn up to 1% Moneyback every year on the purchases you've made with your card

Added Benefits:

  • 20% discount rates at Avis Car Rental
  • VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more

Get a FREE $75 Gift Card Upon Approval! Apply Now!

ScotiaGold Passport® VISA

Travel anywhere, at any time of the year with no restrictions

5,000 bonus Scotia Rewards points with first purchase for accounts opened by June 30, 2014

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % 21.99 % 21.99 % $ 110 Good

Benefits:

  • This card is for: More affluent, established, skews older 45yrs+
  • Earn one Scotia Rewards 1 point for every $1 you spend
  • 5% cash back on travel purchased through Scotia Rewards
  • Supplementary card holder fee = $30

Added Benefits:

  • Travel anywhere, at any time of the year with no restrictions
  • Comprehensive travel protection and insurance
  • Book online or by phone
  • Concierge Service
  • Merchandise, gift card and other rewards available

Get a FREE $75 Gift Card Upon Approval! Apply Now!

Scotiabank®* American Express® Card

Earn travel rewards up to 2x faster

5,000 Scotia Rewards bonus points with first purchase. Worth $50 in travel for accounts opened by June 30, 2014

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % 21.99 % 21.99 % $ 39 Good

Benefits:

  • Earn 2x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Supplementary card holder fee = $15

Added Benefits:

  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Comprehensive travel insurance
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Receive up to 25% off qualifying car rentals
  • Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days
  • Redeem points for merchandise and other rewards

Home Trust Secured No-Fee VISA

Your credit limit is set at the amount of the deposit. Put down as little as $500, or as much as $10,000

No annual fee

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % N/A 19.99 % $ 0 No Credit History

Benefits:

  • Excellent opportunity to establish your credit rating
  • Your credit limit is set at the amount of your security deposit
  • Great for those who pay their bills on time and in full

Added Benefits:

  • Get all the benefits of VISA while re-building your credit:
    • 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

Get a FREE $50 Gift Card Upon Approval! Apply Now!

Scotiabank® Rewards VISA

Earn travel rewards with no annual fee

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % 21.99 % 21.99 % $ 0 Good

Benefits:

  • Earn 1 Scotia Rewards points for every $2 you spend

Added Benefits:

  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Receive up to 25% off qualifying car rentals
  • Redeem points for merchandise and other rewards

Home Trust Secured VISA

Your credit limit is set at the amount of the deposit. Put down as little as $500, or as much as $10,000

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
or $5/month
14.90 % N/A 19.80 % $ 59 No Credit History

Benefits:

  • Excellent opportunity to establish your credit rating
  • Your credit limit is set at the amount of your security deposit

Added Benefits:

  • Get all the benefits of VISA while re-building your credit:
    • 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

Get a FREE $50 Gift Card Upon Approval! Apply Now!

No-Fee ScotiaGold® VISA

Essential travel benefits with no annual fee

Interest Rate Balance Transfer Rate Cash Advance Rate Annual Fee Credit Needed
19.99 % 21.99 % 21.99 % $ 0 Good

Benefits:

  • This card is for: Mass market

Added Benefits:

  • Rental Car Collision Insurance
  • 20% Avis rental car discount
  • Commission-free Travellers Cheques
  • VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more

Sorry, no cards matched your search criteria! Please adjust your search and try again. Please contact us at info@lowestrates.com and we can help you find a credit card for your unique needs.

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