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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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This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Annual fee $0
Cash deposit $0
Bonus offer 0% 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
12.99%
Cash advance rate
24.99%
Balance transfer rate
0%
12.99% after 10 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 10 months on balance transfers✪ completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50). 
  • 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

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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 3% of the amount advanced (minimum fee of $7.50). 
  • 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 $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 4% Money-Back Rewards on purchases in two Money-Back Categories of your choice, and 0.50% 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 $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
24.99%
Cash advance rate
27.99%
Balance transfer rate
0.99%
12.99% after 6 months
Card description
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)◊ For accounts opened by October 31, 2019
  • 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 $65
Cash deposit $0
Bonus offer 2,000 Air Miles
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$65
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®* Platinum Credit Card Cardmembers, earn a Welcome Bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That's enough for a select flight
  • Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partners * Excludes purchases made at airmilesshops.ca
  • Earn 1 Mile for every $10 in Card purchases at AIR MILES®* Partners and at other eligible grocery stores, gas stations, and drugstores in Canada
  • Plus, earn 1 Mile for every $15 in Card purchases everywhere else
  • Optional Balance Transfer Offer - Enjoy a 1.99% interest rate in the first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card
  • Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application
  • Shop at participating AIR MILES®* Partners®* across Canada with your Card and show your AIR MILES®* Card, and you can earn 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
  • Air Miles Rewards
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
Annual fee $120 $0 for the first year
Cash deposit $0
Bonus offer N/A
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Excellent
Fees and interest
Annual fee
$120
$0 for the first year
Purchase interest rate
20.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • First year annual fee waived1. For accounts opened by October 31, 2019
  • 4% on eligible recurring bill payments and grocery store purchases 
  • 2% on eligible gas station and daily transit  purchases 
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Visa Infinite Dining Series
  • Visa Infinite Music Series
  • Wine Country Wonders
  • Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage
  • Rates, fees and other information are effective as of August 1, 2019. Subject to change.
Annual fee $0
Cash deposit $0
Bonus offer 3.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
16.99%
Cash advance rate
16.99%
Balance transfer rate
3.99%
16.99% after 6 months
Card description
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that) ◊. For accounts opened by October 31, 2019.
  • A great low rate with no annual fee.
  • Pay down balances faster.
  • Simplify your monthly payments.
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Features
  • Rental Car Discounts
Annual fee $120
Cash deposit $0
Bonus offer 30,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Credit needed
Fair
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
  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year 
  • 30,000 points is enough for: 
    • An eligible short-haul flight using the Fixed Points Travel Program, or 
    • $300 in statement credits redeemed towards travel purchases charged to your Card or 
    • $300 worth of tickets on Ticketmaster.ca 
  • Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada 
  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B 
  • Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases 
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events 
  • Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies 
  • 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
  • Entertainment Benefits
  • Fraud Protection
  • Rental Car Insurance
  • Travel Benefits
  • Travel Insurance

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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
22.99%
Balance transfer rate
1.99%
22.99% after 10 months
Card description
  • 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‡ 
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay 
  • 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. 
  • You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 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)
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪and access cheques, and 22.99% on cash advances
  • No annual fee
Features
  • No Limit on Points Earned
Annual fee $150
Cash deposit $0
Bonus offer 25,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$150
Purchase interest rate
N/A
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points when you charge $1,500 in purchases to your Card in your first 3 months of Cardmembership 
  • That's enough to redeem for a round-trip Fixed Mileage Flight Reward™ to almost anywhere in North America 
  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada 
  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more 
  • Earn 1 point for every $1 in Card purchases everywhere else 
  • Charge any eligible purchase to your Card then log in to redeem your points for a statement credit 
  • Book flights within Canada or to destinations around the world for a fixed amount of points, with the Fixed Points Travel Program. You can book any airline, fly any day, and even book right up to a day before departure 
  • 1 Free Additional 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. Payments must be received and processed by the date of the next monthly statement to avoid interest charges 
  • 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
  • American Express Hotel Collection
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Insurance
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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 some 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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