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

Gold 11.9 Low Fixed Rate Credit Card

A great low rate on purchases and balance transfers.

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Apply for a Credit Card[X]

1 (877) 277-5901

Use option 3 to check the status of an application.

Not available to residents of QC, NT, NU or YT.

Credit Card Highlights
Purchase Rate
11.9%
Balance Transfer Rate
11.9%
Annual Fee
$19
Is the fee worth it?

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.
Annual Interest Rates
Purchase
11.9%
Balance Transfer
11.9%
Cash Advance
19.8%

  • Is this card right for you?

    We'll suggest some others if it isn't
Find Out Now
Good Choice For:
  • Carries a monthly balance
  • Wants to save money on interest payments
  • More than $30k minimum household income
Learn Who This Card is a Good Choice For

Lock-in to a low rate for three years, guaranteed1.

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 December 2013, your purchase rate and balance transfer rate become a variable rate of  Prime

Prime Rate: 2.75%

[x]

As of August 2010

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.
+9.9%.

Benefits of a low-rate credit card.

If you have good credit,

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
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.

  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!

1 As long as you pay your bills on time.

† This calculator is for illustrative purposes only. It assumes you will pay the same monthly payment for the life of the balance. Interest rates entered remain constant throughout the amortization period. Note your actual savings may be different based on your usage, payments and fees that may apply.

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 the Canada Post outlet and provide further identification.