Filter cards
Peoples Trust credit cards

Learn more about credit cards offered by Peoples Trust, a credit card provider that offers specialty products for Canadians with no credit or poor credit.

Learn More
Showing 1 — 10 of 43
Annual fee $0
Cash deposit $0
Bonus offer 0% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
12.99%
Cash advance rate
24.99%
Balance transfer rate
0%
12.99% after 6 months
Card description
  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 6 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). Limited time offer, apply online by October 31, 2018.
  • Around-the-clock fraud protection
  • Access to 24/7 customer service
  • Immediate cash access at over 1 million ATMs internationally
Features
  • 24/7 Customer Service
  • Fraud Protection
Annual fee $0
Cash deposit $0
Bonus offer 1.95% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
Tangerine
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.95%
Cash advance rate
19.95%
Balance transfer rate
1.95%
19.95% after 6 months
Card description
  • Get a 1.95% interest rate on balance transfers for the first 6 months, with a fee of 1% of the amount advanced
    • Only available for 30 days after being approved for a Tangerine Credit Card
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases
  • Get three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card
  • No limit on the amount of Money-Back Rewards you can earn
  • No annual fee
  • 2.5% Foreign Conversion Fee
  • Free Cards for Authorized Users on your Account
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • Change your 2% Money-Back Categories to suit your spending.
  • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.
  • Purchase Assurance and Extended Warranty
  • Accepted worldwide at more than 24 million locations in over 210 countries
  • Mastercard Zero Liability
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
Annual fee $0
Cash deposit $0
Bonus offer 1.99% Interest rate on balance transfers (first 6 months)
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
8.99%
Cash advance rate
8.99%
Balance transfer rate
1.99%
8.99% after 6 months
Card description
  • Enjoy a low 8.99% interest rate on purchases
    • Penalty APR on missed payments ranges from 23.99% to 26.99%
  • Have the flexibility to pay your balance in full or over time
  • Optional Balance Transfer Offer to new Cardmembers – Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at the time of online application. There is no balance transfer fee at the time of application.
  • No annual fee for supplementary cards
  • Access to memorable experiences with American Express InvitesTM
  • Shopping coverage and 24/7 Customer Service
  • 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
  • 24/7 Customer Service
  • Purchase Protection
  • Travel Insurance
Annual fee $0
Cash deposit $0
Bonus offer 500 Bonus Air Miles
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
1.99%
22.99% after 9 months
Card description
  • Limited time: Get 500 AIR MILES Bonus Miles*
  • Get a 1.99% introductory interest rate on balance transfers for 9 months*
    • 1% fee applies to balance amounts transferred*
  • Get 2x the Miles for every $20 spent at participating AIR MILES Partners*
  • Get 1 Mile for every $20 spent everywhere else*
  • Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
  • No annual fee*
  • Get up to 25% off rentals at National Car Rental and Alamo Rent A Car*
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.
  • *Terms and conditions apply
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Travel Benefits
Annual fee $0
Cash deposit $0
Bonus offer 500 Bonus Air Miles
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
1.99%
22.99% after 6 months
Card description
  • New American Express® AIR MILES®* Credit Card Cardmembers, earn a Welcome Bonus of 500 AIR MILES®* Reward Miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership
  • 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
  • Optional Balance Transfer Offer to new Cardmembers - Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • No annual fee for supplementary cards
  • Penalty APR on missed payments ranges from 23.99% to 26.99%
  • 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
  • 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
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Travel Insurance
Annual fee $120
Cash deposit $99 N/A
Bonus offer 50,000 Bonus points
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
N/A
Card description
  • New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn 50,000 bonus points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership.*
  • Earn 5 points for every dollar in eligible Card purchases at participating SPG®* and Marriott Rewards®* properties.*
  • Earn 2 points for every $1 in all other Card purchases.*
  • Receive an Annual Free Night Award at eligible hotels and resorts worldwide every anniversary*
  • No annual fee on Supplementary Cards.
  • Penalty APR on missed payments ranges from 23.99% to 26.99%.
  • Redeem points for free nights with no blackout dates at over 6,500 of the world's most desired hotels.*
  • Automatic Silver Elite status membership.*
  • Enjoy an automatic upgrade to Starwood Gold Elite status when you reach $30,000 in purchases on the Card each year.*
  • *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.
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
Annual fee $0
Cash deposit $0
Bonus offer 5,000 Bonus points
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
22.99%
Card description
  • Accelerate rewards points on common purchases!
  • No annual fee
  • 1 point‡ for every $1 in eligible purchases
  • 2 points‡ for every $1 spent on eligible gas, groceries and restaurant purchases ($5,000 annual cap on each category)
  • Receive 2,500 bonus points†† after your first eligible purchase within the first 90 days of account opening
  • Receive 2,500 bonus points†† once enrolled for e-statements within the first 90 days of account opening
  • Redeem points‡ for travel, brand-name merchandise, gift cards from participating retailers, cash back, and charitable donations
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • A suite of comprehensive insurance**
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
Annual fee $39
Cash deposit $0
Bonus offer 0% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$39
Purchase interest rate
8.99%
Cash advance rate
24.99%
Balance transfer rate
0%
8.99% after 6 months
Card description
  • $39 annual fee
  • Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 6 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). Limited time offer, apply online by October 31, 2018.
  • A suite of comprehensive insurance**
  • Around-the-clock-fraud protection
  • Access to 24/7 customer service
Features
  • 24/7 Customer Service
  • Fraud Protection
Annual fee $29
Cash deposit $0
Bonus offer 0.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$29
Purchase interest rate
12.99%
Cash advance rate
12.99%
Balance transfer rate
0.99%
12.99% after 6 months
Card description
  • Special 0.99% introductory interest rate on balance transfers for the first 6 months. For accounts opened by October 31, 2018.
  • Save hundreds of dollars in interest a year
  • Low 12.99% 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.
Annual fee $99
Cash deposit $0
Bonus offer 15,000 Bonus Scotia Rewards points
Card details
Network
American Express
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$99
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Earn 15,000 bonus points with your first $1,000 in everyday purchases in the first 3 months - worth $150 in travel. For accounts opened by October 31, 2018.
  • Earn up to 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Complimentary Concierge Services 24/7
  • Rates, fees and other information are effective as of March 1, 2018. Subject to change.
0 cards selected
  1. 1
  2. 2
  3. 3
  4. ...

The Peoples Trust advantage

 

Peoples Trust is a federally-regulated bank that issues prepaid credit cards — powerful tools for those looking to build a credit history or to repair it. Peoples Trust has partnerships with both Visa and MasterCard.

Here’s what you get when you choose Peoples Trust for your credit card needs.

 

Cards that protect you from yourself

Peoples Trust caters to consumers who have difficulty obtaining lines of credit. The Vancouver-based financial institution offers ultra-secure products to help clients revive their credit score. Some prepaid cards from Peoples Choice can only be loaded once and used until the balance is spent, for instance.

 

Cards that set you up for future success

Peoples Trust also has a range of cards that are reloadable and good for long-term use. There are no limits on how they can be used, whether for business expenses (payroll, expense management, and financial services) or personal items (travel, health, and transit).

 

Built-in frugality

Peoples Trust offers prepaid cards aimed specifically at travellers. These cards protect against fluctuations in currency exchanges and have other features designed to help the cardholder stick to their budget. The cards can be used for domestic and international travel and to purchase items online. 

 

Business in the front, party in the back

Just because it’s prepaid doesn’t mean you can’t have some fun: Peoples Choice also offers rewards credit cards that enable you to collect points that can be used towards travel.

Recommended Peoples Trust credit card

 

One of the more popular cards from Peoples Trust is the Peoples Trust Titanium+ Visa® Prepaid Card. Why? You pay no interest and, unlike conventional credit cards, you don’t need a credit history to qualify.

Most popular card

Peoples Trust Titanium+ Visa® Prepaid Card

A secured credit card means that you have to pay a deposit before you’re free to swipe. The amount you deposit is your credit limit and acts as collateral. That’s what you get with the Peoples Trust Titanium+ Visa® Prepaid Card. You can use it as you would a regular credit card: shop online or withdraw money from ATMs, for instance. However, there are some built-in protections to be aware of — merchant holds, to be exact. In some cases, merchants may try to obtain a security deposit from you; it’s to ensure there’ll be enough money on the card to pay the final charge. This isn’t an unusual scenario for prepaid credit card holders to encounter when renting a hotel room, for instance. Credit bureaus, however, won’t regard your card any differently. You don’t pay interest on your balance with this card but there are some fees for usage: if you make your card reloadable, there’s a monthly $15 charge. 

 

About Peoples Trust

 

Founded in 1985, the Peoples Trust Company prides itself on being a small firm that doesn’t try to be everything to everyone. The CDIC-insured trust’s mission is to provide credit to those who need it, to educate them on the proper uses of credit, and to make available a suite of high quality savings products. Peoples Trust is one of Canada’s premier providers of prepaid credit cards. It doesn’t offer flashy deals, but you get the sense the financial institution cares more about your long-term financial health than boosting profits.

More ways to find a great rate