Low APR Credit Cards
Low APR credit cards or 0% APR credit cards are cards that offer a competitive Annual percentage rate (APR) which determines your interest paid. 0% APR credit cards are often a good solution if you are currently paying off multiple high interest rate cards. However it is recommened to pay your credit card balance in full so you don't incur any interest charges.
Compare the best 0% APR credit cards below. To get a credit card click apply and follow the application form.
| Card | Name | APR | Balance Transfer | Annual Fee | Apply |
|---|---|---|---|---|---|
 |
National Bank Reduced Rate Premia Business Mastercard
Small Business Rewards Mastercard |
13.9% | 8.9% | $60 |  |
 |
National Bank Reduced Rate Escapade Mastercard
Reduced annual interest rate with good rewards |
14.5% | 9.5% | $35 | |
 |
North Shore Credit Union Low Rate Rewards Mastercard
1199% interest rate with flexible rewards program |
11.99% | 11.99% | $54 | |
 |
National Bank Reduced Rate Premia Business Rewards Mastercard
Reduced rate with Rewards Mastercard |
13.9% | 8.9% | $120 | |
 |
National Bank Reduced Rate Ovation Gold Mastercard
Good rewards at reduced annual interest rate with Gold benefits |
14.5% | 9.5% | $105 | |
 |
National Bank Reduced Rate Allure Mastercard
Donate to the Breast Cancer Foundation and earn rewards, with reduced interest rate |
14.5% | 9.5% | $45 | |
 |
National Bank Reduced Rate Business Mastercard
Affordable Reduced rate Business Mastercard |
13.9% | 8.9% | $15 | |
 |
National Bank Reduced Rate Gold Edition Mastercard
Gold Mastercard with reduced interest rate |
14.5% | 9.5% | $15 | |
 |
National Bank Reduced Rate Sunoco Mastercard
Helps you manage your vehicle expenses with lower interest rate |
14.5% | 9.5% | $15 | |
 |
Vancity Low Rate Envirogold Visa
Help the environement and have Gold Visa benefits |
11.25% | 11.25% | $45 | |
 |
Vancity Low Rate Enviro Classic Visa
Help the environment and have low annual interest rate |
11.25% | 11.25% | $25 | |
 |
Citizens Bank Shared Interest Gold Visa
Great rewards with good services for a five-man team |
19.5% | 19.5% | $99 | |
 |
Coast Capital Low Interest Rate Desjardins Odyssey Gold Visa
Lower interest Odyssey Gold Visa |
11.4% | 11.4% | $124 | |
 |
National Bank Synchro Mastercard
Annual interest based on prime rate + 4% Mastercard |
9.75% | 9.75% | $35 | |
 |
National Bank Reduced Rate Ultramar Mastercard
Save on Ultramar gas, HomEnergy heating oil, and other purchases |
14.5% | 9.5% | $15 | |
 |
Coast Capital Low Interest Rate Desjardins Classic Visa
A lower interest rate Desjardins Visa |
11.4% | 11.4% | $25 | |
 |
Coast Capital Low Interest Rate Desjardins Elegance Visa
Lower interest rate Desjardins Elegance Visa |
12.4% | 12.4% | $25 | |
 |
Vancity Low Rate Rewards Enviro Classic Visa
Low rate Classic Visa that helps you save the environment |
11.25% | 11.25% | $50 | |
 |
Coast Capital Desjardins Business Visa
Visa for corporations and businesses |
9.75% | 9.75% | $50 | |
 |
Coast Capital Low Interest Rate Desjardins Student Visa
A lower interest rate Desjardins student Visa |
11.4% | 11.4% | $25 | |
 |
Mbna Canadian Bar Association Platinum Plus Mastercard
Canadian Lawyers Platinum Plus Mastercard |
9.99% | 3.9% | $0 | |
 |
Scotiabank Value Visa
Grace period Visa with a low interest rate |
11.49% | 11.49% | $29 | |
 |
Cibc Aerogold Visa For Business
Business traveler's choice Visa |
10.9% | 10.9% | $180 | |
 |
Citizens Bank Shared Interest Classic Visa
Donations to not-for-profit initiatives Visa |
19.5% | 19.5% | $0 | |
 |
Scotialine For Business Visa
Business Visa with no annual fee and variable interest rate |
7.65% | 7.65% | $0 | |
 |
Coast Capital Desjardins Modulo Gold Visa
Helps pay back your Visa and gives 1% back in BONUSDOLLARS |
9.9% | 9.9% | $50 | |
 |
Rbc Visa Classic Low Rate Option
Low Interest rate Visa with security features |
11.5% | 11.5% | $20 | |
 |
Atb Preferred Fixed Rate Mastercard
Fixed rate Personalized MasterCard |
9.9% | 9.9% | $29 | |
 |
Cibc Select Visa
Traveler friendly Visa with low annual interest rate |
11.5% | 11.5% | $29 | |
 |
Laurentian Bank Black Reduced Rate Visa
Low rate Visa |
11.49% | 11.49% | $25 | |
 |
Atb Preferred Variable Rate Mastercard
Variable rate Personal MasterCard |
6% | 6% | $29 | |
 |
No Fee Scotiabank Value Visa
Low rate with no annual fee Visa |
14.99% | 14.99% | $0 | |
 |
Coast Capital Desjardins Platinum Visa
High annual fee but great benefits Visa |
9.9% | 9.9% | $130 | |
 |
Cibc Bizline Visa
Visa for small businesses with 10 people |
6.25% | 6.25% | $0 | |
 |
Bmo Mosaik Mastercard
Consumer's choice Mastercard |
18.5% | 18.5% | $0 | |
 |
Td Emerald Visa
Fluctuating annual interest rate based on TD Prime Visa |
6.65% | 6.65% | $25 | |
 |
Home Trust Equityline Visa
High credit limit with added benefits and accessibility of a Visa |
6.99% | 6.99% | $0 | |
 |
Scotialine Visa Account
Very High Credit limit with competitive rates and no annual fee |
5.5% | 5.5% | $0 | |
 |
Bmo Mosaik Business Mastercard
Mastercard for Businesses, Corporations and Companies |
18.5% | 18.5% | $0 | |
* Efforts are made to maintain accurate information, however this is not guaranteed. You should review full credit card terms and conditions on the application websites, first.