Enjoy a lower interest rate and more savings power
Welcome Offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee.$20 annual fee waived for the first year
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
No
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Vehicule rental insurance
No
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Travel accident insurance
No
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Travel medical insurance
No
- Annual Fee: $20
- Additional Card Fee: $0
- Purchases Interest Rate: 11.9%
- Cash Advance Interest Rate: 11.9%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
- Extended Warranty coverage, doubling the original manufacturer's warranty period up to a maximum of one additional year.
- Purchase Protection to insure against theft or damage for 90 days from the date of purchase.
- 15% off admission to Cirque du Soleil shows touring Canada, and 20% off resident shows in Las Vegas
The BMO® Preferred Rate Mastercard®*is another great card that comes with just a $20 annual fee. With a very low-interest rate of just 12.99% and a unique option to pay just 3.99% on balance transfers for the first 9 months, this credit card is quite attractive for Canadians of all ages. Add to that the fact that you don't have to pay the $20 fee during the first year and you don't need a minimum income level and you've got one of the most affordable credit cards in 2020.
This card is perfect for people who usually carry a balance and want to save big on interest, and also for people who might have lost their jobs during the COVID-19 crisis. The BMO® Preferred Rate Mastercard®* stands out from the crowd due to the appealing interest rate, which is 7% lower than the market average.
This card is also a great choice because it enables you to transfer the balances from higher-interest cards. This allows you to pay less on interest and save hundreds of dollars in the long run. If you're looking to keep things simple and benefit from a low-interest rate, then this credit card is perfect for you.
Save on interest at a preferred low variable annual interest rate
Enjoy the same low interest rates on all your Purchases and Cash Advance transactions
Option to purchase Travel Medical Insurance and Trip Cancellation and Trip Interruption Insurance4
Enjoy all of the benefits of your TD Emerald Flex Rate Visa Card using Apple Pay. It's an easy and secure way to pay.
Scotiabank Value® Visa* Card review
Great reasons to get this card for your everyday purchases
Save up to hundreds of dollars a year on interest
Pay down higher interest rates balances faster
- Stay one step ahead of your balance a lower interest rate makes this card an affordable way to finance those medium to large purchases you are making.
Transfer higher rate balances and save even more
- Switch balances over from higher interest-rate credit cards to the?Scotiabank Value?Visa Credit Card. By consolidating your higher-rate balances, you'll save on interest and make paying bills easier.
Welcome offer
Apply for an HSBC +RewardsTM Mastercard® by October 3 rd and get 20,000 Points (up to $100 in value) when you spend $2,000 within 6 months of account opening*, and get a 1st Year annual fee waiver for Primary Cardholder*($25 value)
This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer)
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.
