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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.

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Scotiabank®* Gold American Express® Card
Get a FREE $100 Gift Card Upon Approval!
Scotiabank®* Gold American Express® Card image
Annual fee $99 $0 for the first year
Cash deposit $0
Bonus offer 25,000 Bonus Scotia Rewards points
Card details
Network
American Express
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$99
$0 for the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Free gift card offer

Get a FREE $100 gift card upon approval from LowestRates.ca!

Card description
  • Earn 25,000 bonus points with your first $1,000 in everyday purchases in the first 3 months - worth $250 in travel. Plus, first year annual fee waived. For accounts opened by February 28, 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 November 1, 2017. Subject to change.
MBNA Platinum Plus® Mastercard®
MBNA Platinum Plus® Mastercard® image
Annual fee $0
Cash deposit $0
Bonus offer 0% Interest rate on balance transfers (first 12 months)
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
0%
21.99% after 12 months
Card description
  • Simplify your finances while enjoying platinum services
  • You could get 0% interest† on balance transfers✪ for the first 12 full months, with a 1% fee (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
Features
  • 24/7 Customer Service
  • Fraud Protection
American Express Essential Credit Card
American Express Essential Credit Card image
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
  • 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.
  • 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
American Express Air Miles Credit Card
American Express Air Miles Credit Card image
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%
21.99% 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.
  • 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 electronics to travel and more
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • 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
The Starwood Preferred Guest Credit Card from American Express
The Starwood Preferred Guest Credit Card from American Express image
Annual fee $120
Cash deposit $0
Bonus offer 20,000 Bonus Starpoints
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%
*provided you make your minimum monthly payments on time
Balance transfer rate
N/A
Card description
  • New Starwood Preferred Guest Credit Card from American Express Cardmembers, earn 20,000 bonus Starpoints® after you charge $1,500 in purchases to your Card in your first three months of Cardmembership
  • You can earn 2 Starpoints for every dollar of eligible purchases charged to the Card at participating SPG and Marriot Rewards hotels until February 15, 2018
  • Earn 1 Starpoint for every $1 in all other 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 1,200 of the world's most desired hotels in nearly 100 countries
  • Use Starpoints for flights on over 150 airlines with no blackout dates with SPG Flights
  • Experience once-in-a-lifetime events with SPG Moments
  • American Express Invites™ opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and among the first to go!
  • Add a Supplementary Card and the first year’s annual fee is on us. That’s a value of $50.
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • 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
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
MBNA Rewards Mastercard®
MBNA Rewards Mastercard® image
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
21.99%
Card description
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
Scotiabank Value® VISA*
Scotiabank Value® VISA* image
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
11.99%
Cash advance rate
11.99%
Balance transfer rate
0.99%
11.99% after 6 months
Card description
  • Special 0.99% introductory interest rate on balance transfers for the first 6 months. For accounts opened by January 31, 2018.
  • 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 November 1, 2017. Subject to change.
Best Western Mastercard®
Best Western Mastercard® image
Annual fee $0
Cash deposit $0
Bonus offer 20,000 Best Western Rewards 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
1.99%
21.99% after 10 months
Card description
  • Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® Mastercard® credit card‡
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year♦♦
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more
  • 1.99% promotional annual interest rate† (AIR) on balance transfers* for the first 10 full months
Features
  • No Limit on Points Earned
SimplyCash Card from American Express
SimplyCash Card from American Express image
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
19.99%
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
1.99%
21.99% after 6 months
Card description
  • 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.
  • New SimplyCash™ Card from American Express Cardmembers can earn 5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership1
  • Earn 1.25% cash back on all other purchases and when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • No annual fee for Supplementary Cards
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • 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
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
Harley-Davidson® Mastercard®
Harley-Davidson® Mastercard® image
Annual fee $0
Cash deposit $0
Bonus offer 1.99% Interest rate on balance transfers (first 10 months)
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
1.99%
21.99% after 10 months
Card description
  • You could be one purchase away from winning a Harley-Davidson® motorcycle††
  • Use your card for eligible purchases and you may be entered in a quarterly Harley-Davidson motorcycle draw‡
  • 1.99% promotional annual interest rate† (AIR) on balance transfers* for the first 10 full months
  • Earn 1 Genuine Rewards Point for every $2 in eligible purchases‡
  • Redeem your points for Harley Chrome® Cash‡ to be used at participating Harley-Davidson Canadian retailers
  • No annual fee
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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.

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