Annual fee
$0
Primary cardholder
Credit Card Interest Calculator
See the true cost of carrying a balance. Find out how much interest you will pay over time.
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Cards to Lower Your Costs
Best Matches
Annual fee
$0
Purchase APR
6.99%
Cash advance
6.99%
Home Trust
Best for
Low Interest
No Annual Fee
Best for
Low Interest
No Annual Fee
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Purchase APR
6.99%
Regular purchase rate
Cash advance APR
6.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
0%
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$35
Purchase APR
8.90%
Cash advance
12.90%
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$35
Primary cardholder
Purchase APR
8.90%
Regular purchase rate
Cash advance APR
12.90%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
9.44%
Cash advance
9.44%
RBC Royal Bank
Best for
Low Interest
No Annual Fee
Best for
Low Interest
No Annual Fee
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
9.44%
Regular purchase rate
Cash advance APR
9.44%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$29
Purchase APR
9.45%
Cash advance
10.45%
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$29
Primary cardholder
Purchase APR
9.45%
Regular purchase rate
Cash advance APR
10.45%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
2.90%
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$50
Purchase APR
9.45%
Cash advance
9.45%
National Bank of Canada
Best for
Low Interest
Business
Best for
Low Interest
Business
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$50
Primary cardholder
Purchase APR
9.45%
Regular purchase rate
Cash advance APR
9.45%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$399
Purchase APR
9.99%
Cash advance
9.99%
Scotiabank®
Best for
Travel Rewards
Low Interest
Premium
Best for
Travel Rewards
Low Interest
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$3,000
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
Fee charged during the first year
$399
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$2,601
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$399
Primary cardholder
Purchase APR
9.99%
Regular purchase rate
Cash advance APR
9.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
0%
Foreign-currency purchases
Additional card fee
$99
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
10.90%
Cash advance
12.90%
Desjardins Group
Best for
Low Interest
No Annual Fee
Best for
Low Interest
No Annual Fee
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
10.90%
Regular purchase rate
Cash advance APR
12.90%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$29
Purchase APR
10.90%
Cash advance
10.90%
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$29
Primary cardholder
Purchase APR
10.90%
Regular purchase rate
Cash advance APR
10.90%
Cash transaction rate
Balance transfer APR
10.90%
When available
Foreign transaction fee
2.90%
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$39
Purchase APR
10.99%
Cash advance
24.99%
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$39
Primary cardholder
Purchase APR
10.99%
Regular purchase rate
Cash advance APR
24.99%
Cash transaction rate
Balance transfer APR
13.99%
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$295
Purchase APR
11.90%
Cash advance
12.90%
Desjardins Group
Best for
Travel Rewards
Low Interest
Balance Transfer
Best for
Travel Rewards
Low Interest
Balance Transfer
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$454.50
First-year annual fee
Fee charged during the first year
$295
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$159.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 4% | $144 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 3% | $27 |
| Recurring bills | $75 | 1.5% | $13.50 |
| Other purchases | $450 | 1.5% | $81 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$295
Primary cardholder
Purchase APR
11.90%
Regular purchase rate
Cash advance APR
12.90%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$95
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$150,000
Minimum household income
$200,000
Approval, rates and credit limits are determined by the card provider.