Annual fee
$144
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 Matchesfeatured
Annual fee
$144
Purchase APR
0%
KOHO
Best for
Cash Back
Low Interest
Student
Best for
Cash Back
Low Interest
Student
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$191.25
First-year annual fee
Fee charged during the first year
$144
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$47.25
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1.5% | $54 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 1.5% | $13.50 |
| Recurring bills | $75 | 0.25% | $2.25 |
| Other purchases | $450 | 0.25% | $13.50 |
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
Cash Back
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Purchase APR
0%
Regular purchase rate
Cash advance APR
—
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
Poor
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
featured
Annual fee
$96
Purchase APR
19.99%
Cash advance
22.99%
Neo Financial
Best for
Cash Back
Student
Secured Cards
Best for
Cash Back
Student
Secured Cards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$96
Primary cardholder
Purchase APR
19.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
3%
Foreign-currency purchases
Additional card fee
$10
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
Poor
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
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.
Annual fee
$0
Primary cardholder
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
$2,500
Estimated rewards from spending
Based on $1,500 in monthly spending
$360
First-year annual fee
Fee charged during the first year
$399
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$2,461
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 2% | $108 |
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
—
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.