No annual fee
-
Priority airport services
No
-
Airport lounge access
No
-
Concierge service
No
-
Balance protection(Optional)
Yes
-
Purchase Security & Extended Protection Insurance
Yes
-
Flight delay insurance,Baggage Insurance
No
-
Vehicle rental insurance
No
-
Travel accident insurance
No
-
Travel medical insurance
No
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate: 8.99%
- Cash Advance Interest Rate: 8.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Protect your purchases Purchase Security and Extended Warranty Insurance automatically protects card purchases against loss, theft or damage for up to 90 days, and doubles the manufacturer's original Canadian warranty for up to one extra year
This no-annual fee card offers a low variable interest rate based on credit rating. Purchase and cash advance rates begin at prime + 4.99% and cap out at prime + 8.99%. Purchase security and extended warranty round out the card’s benefits. For those with strong credit, this is RBC’s lowest rate card. Like other low-rate credit cards, the advantage of this card lies in the interest savings realized when carrying a balance. If you don’t carry a balance, consider a rewards card instead.
Scotiabank Value® Visa* Card review
0% introductory interest rate on Cash Advances for the first 6 months (12.99% after that; annual fee $29). Plus no annual fee in the first year.
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 on a lower-rate card, you’ll save on interest and make paying bills easier.
HSBC +Rewards™ Mastercard® review 2023
Welcome offer
Earn up to 35,000 points* ($175 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year ($25 value). Must apply by September 29, 2023. Conditions apply.
o Earn 35,000 points* when you spend $1,000 within 60 days of account opening ($175 travel value)
o First year annual fee rebate for the 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 in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. 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's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook and earns rewards with the American Express Cobalt credit card.
