TD Low Rate Visa* Credit Card from TD — listed in our catalog.
- Annual Fee
- $25
- Rewards rate
- —
- Welcome offer
- No current welcome offer
Ongoing benefits are detailed below
Pros
- Simple and straightforward
Cons
- No welcome bonus
- Modest reward rates
Ranking · Updated August 2026
Best Low-Interest Credit Cards in Canada
Compare credit cards with low purchase and balance-transfer interest rates. Cut the cost of carrying a balance with the best low-interest cards in Canada.
The Scotiabank Value® Visa* Card offers a first year annual fee rebate (regular fee $29/yr).
First-Year Annual Fee Rebate
- Annual Fee
- $29 $0
- Rewards rate
- —
- Our valuation
- $29
- Welcome offer
- First Year Annual Fee Rebate
Milesopedia estimate
$29 annual fee rebated
Ends Jan 3, 2027
Pros
- First Year Annual Fee Rebate
Cons
- No welcome bonus
- Modest reward rates
- Requires good credit
The BMO Preferred Rate Mastercard®* offers a first year annual fee rebate (regular fee $29/yr).
First-Year Annual Fee Rebate
- Annual Fee
- $29 $0
- Rewards rate
- —
- Our valuation
- $29
- Welcome offer
- First Year Annual Fee Rebate
Milesopedia estimate
$29 annual fee rebated
Pros
- First Year Annual Fee Rebate
Cons
- No welcome bonus
- Modest reward rates
National Bank Syncro™ Mastercard® from Banque Nationale — listed in our catalog.
- Annual Fee
- $35
- Rewards rate
- —
- Welcome offer
- No current welcome offer
Ongoing benefits are detailed below
Pros
- Simple and straightforward
Cons
- No welcome bonus
- Modest reward rates
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