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For people with
Not sure what we mean by excellent credit?
- You've had open credit such as a credit card, loan or line of credit for more than ten years
- Your credit has been excellent for the last seven years (this means no bankruptcies and no defaults on credit as a result of failing to pay debts back to creditors)
- For the last nine months, your credit situation has remained the same (this means you haven't opened a new credit card account, loan or line of credit)
- You've made at least your required minimum payments on your existing credit on time in the past six months
- Your household income is more than $40,000 a year
SmartLine™ Platinum MasterCard®
with a 5.99% Interest Rate
A premium credit card that combines a low interest rate like a line of credit with the convenience of a credit card.
 Not available to residents of QC, NT, NU, or YT
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A low, long-term rate like a line of credit.
The SmartLine Platinum card gives you a low, long-term annual interest rate of 5.99% that could save you money. It’s like a line of credit but much more convenient. Plus, you get this low rate for three years - guaranteed 1. In December 2012, after your three years are up, your annual interest rate becomes a variable rate of
As of October 2009
Prime Rate is a variable annual interest rate. At Capital One, we base our variable rates on the Canadian Prime Rate, as published in the Report on Business section of The Globe and Mail on the 25th day of each month. If the 25th falls on a weekend or holiday, the previous business day's information is used to determine the rate information.
+2.99%.
A premium card that could help you save money.
If you have Not sure what we mean by excellent credit?
- You've had open credit such as a credit card, loan or line of credit for more than ten years
- Your credit has been excellent for the last seven years (this means no bankruptcies and no defaults on credit as a result of failing to pay debts back to creditors)
- For the last nine months, your credit situation has remained the same (this means you haven't opened a new credit card account, loan or line of credit)
- You've made at least your required minimum payments on your existing credit on time in the past six months
- Your household income is more than $40,000 a year
, this card is for you. With a rate so low, you can save money when you transfer high-interest debt with our no-fee balance transfer service. If you transfer a balance during your application, you'll even have a better chance of getting a higher credit limit. See how much you could save right now with our Balance Transfer Savings Calculator.
Get rewards with your low rate.
You can add Reward Miles or 1% Cash Back for an annual fee of only $99 – choose this option on your online application form.
Not available to residents of QC, NT, NU, or YT
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1 As long as you pay your bills on time.
In addition, we have a number of checkpoints to ensure your identity stays safe during the application process. If we're unable to confirm your identity during the application process, you'll need to go into a Canada Post outlet and provide further identification.
MasterCard is a registered trademark and PayPass and Tap & Go are trademarks of MasterCard International Incorporated.
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