Guaranteed Credit Cards
Low Interest Credit Card 14.9

Low Rate Guaranteed Credit Card

Guaranteed access to credit with a low long-term rate!

Apply for Credit Card 

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

Credit Card Highlights
Purchase Rate
14.9%
Fraud Liability
$0
Annual Fee
$79
Annual Interest Rates
Purchase
14.9%
Balance Transfer
14.9%
Cash Advance
19.8%

  • Is this card right for you?

    We'll suggest some others if it isn't
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Good Choice For:
  • People who need to build or
    strengthen their credit
  • People who carry a balance
  • Household income greater than $20k
Learn Who This Card is a Good Choice For

A guaranteed low interest credit card.

With a low interest credit card you get a great low interest rate that could save you money in interest payments. That means you could see savings while you work towards building or strengthening your credit rating.

Guaranteed Approval.

Whether it’s a Gold or a Secured credit card, you’re guaranteed a card with the same low rate – even if you’ve had credit problems in the past. If you’re approved for a Secured credit card, you’ll be required to provide affordable security funds – we’ll let you know if this is needed.

Your Approval For a Credit Card is Guaranteed if:

  • You don't have an existing Capital One credit card account
  • You haven't had a Capital One credit card account that was in bad standing at any time
  • You haven't applied for a Capital One credit card account within the last 45 business days
  • You live in and are the age of majority in AB, BC, MB, NB, NL, NS, ON, PE or SK


If you're approved for a Secured credit card you'll need to provide security funds by cheque or money order (but we'll let you know if this is needed). A Secured credit card receives
Standard MasterCard benefits.

Build or strengthen your credit history.

Using your Guaranteed low interest credit card responsibly can help you build or strengthen your credit history because we report your payment history to the credit bureaus every month (make sure you pay at least your minimum balance on time each month).

  • Low rate of 14.9% on purchases and balance transfers
  • Guaranteed credit card approval
  • Access to credit that can help you build or strengthen your credit history

Credit 101

Credit is convenient and offers benefits that cash doesn't.
Learn more about how credit works 

The best way to protect your credit card is knowing how to prevent fraud.
We'll tell you how


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.