Premium Cards  /  Low Rate Credit Cards
SmartLine Low Interest Credit Card

SmartLine Platinum Credit Card

A low rate like a line of credit.

Apply for Credit Card Apply for Credit Card by Phone Apply By Phone

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
5.99%
Balance Transfer Rate
5.99%
Annual Fee
$0
Annual Interest Rates
Purchase
5.99%
Balance Transfer
5.99%
Cash Advance
19.8%

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Good Choice For:
  • $40k minimum household income
  • People who carry a balance
  • Wants to save money on interest payments
Learn Who This Card is a Good Choice For

Our best credit card with a low, long-term interest rate like a line of credit.

The SmartLine Platinum card is our best credit card with a low annual interest rate of 5.99% on purchases and balance transfers. It could save you money. It’s like a line of credit but much more convenient. Plus, you get this low rate for three years - guaranteed1. In October 2013, after your three years are up, your purchase rate and balance transfer rate become a variable rate of  Prime

Prime Rate: 2.75%

[x]

As of July 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.
+3.75%.

Benefits of a low-rate credit card.


If you have excellent credit

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

  • 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
our best credit card is for you. Use your credit card to shop and save money with low-rate interest payments when you carry a balance. Save even more money when you transfer high-interest rate debt using our no-fee balance transfer service. You can even transfer a balance to your credit card during your online application.
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Choose rewards with your low-rate credit card.

You can add Reward Miles or 1% Cash Back to your low rate card for an annual fee of only $99. Learn more about redeeming for rewards. Choose your 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.