Classic Cards /  Low Rate Credit Cards
Gold 11.9 Low Fixed Rate Credit Card

Gold 11.9 Low Fixed Rate Credit Card

A great low rate on purchases and balance transfers.

Apply now for the Gold MasterCard with a 11.9 interest rate
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1 (877) 277-5901

Use option 3 to check the status of an application.

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Credit Card Highlights
Purchase Rate
11.9%
Balance Transfer Rate
11.9%
Annual Fee
$19

Is it worth it?[x]

If you don't want to pay an annual fee and you don't mind your interest rate being a little higher, check out the Gold MasterCard with a 14.9% Interest Rate.

Is the fee worth it?
Annual Interest Rates
Purchase
11.9%
Balance Transfer
11.9%
Cash Advance
19.8%
Good Choice For:
  • Carries a monthly balance
  • Wants to save money on interest payments
  • $30k minimum household income
This Card's A Good Choice For

Lock-in to a low rate for three years, guaranteed%%FN_3%%.

Get this great low-rate credit card with a long-term rate of 11.9% on purchases and balance transfers for three years – guaranteed. And what happens after that? In June 2015, your purchase rate and balance transfer rate become a variable rate of

Prime Rate: 3.00%

As of April 2012

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.
Prime +9.9%.

Benefits of a low-rate credit card.

If you have

Not sure what we mean by good credit?[X]

  • You've had open credit such as a credit card, loan or line of credit for more than six years
  • You've had good credit for the last seven years (this means 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 three months
good credit, this card is for you. Plus, you can save money when you transfer high-interest debt with our no-fee balance transfer service on the online application form. Apply today!
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Choose rewards with your low-rate credit card.

Want a low interest rate credit card and No Hassle Rewards? You can add Reward Miles or 1% Cash Back to your low interest rate credit card for an annual fee of only $99 (your total annual fee would be $118). Choose your preferred rewards option on the online application form.

Want to learn more about our rewards program and see our redemption site?

  Reward Miles 1% Cash Back
Rewards 1 reward mile for every $1 spent 1% cash back on purchases
Redeem For Travel, merchandise, gift cards and cash Cheque for Cash
Plus! 5,000 bonus reward miles on your first purchase The more you spend, the more you earn!
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