Capital · Credit Cards
Under Twenty Percent,
And Three Ways To Get There.
Three cards on this site charge under twenty percent on purchases, against a field that sits at 21.99. One is free and earns nothing, one is a business card sold at two different rates, and one costs $175. Every figure is off the issuer, read 6 September 2026.
Three cards published on this site charge under twenty percent on purchases: the TD Business Select Rate Visa at 8.99 or 11.99 percent, the MBNA True Line Mastercard at 12.99 percent and the RBC Avion Visa Infinite Business at 19.99 percent. Not advice.
3 Cards, Side By Side
Sorted by annual fee, cheapest first. Every figure is off the issuer, and every card name links to its own page.
| Card | Annual Fee | Purchases | Cash Advance | Foreign Fee | Income Test | The Headline Rate | The Cap |
|---|---|---|---|---|---|---|---|
| MBNA True Line | $0 | 12.99% | 24.99% | Not published for this card | None published | No rewards at all | Not applicable |
| TD Business Select Rate Visa | $0, or $49 for a lower rate | 11.99%, or 8.99% with the $49 fee | Same as purchases, on both options | Not in this card’s own disclosure | Not published | No rewards at all | Not applicable |
| RBC Avion Visa Infinite Business | $175 | 19.99% | 22.99% | 2.5% over the benchmark rate | One of five declarations | 1.25 Avion points per $1 | $75,000 per annual period |
A low rate is the least bad place for a balance that already exists. It is not a reason to create one, and the two cheapest cards here earn nothing at all, which is the trade you are making.
The Other Card Lists
Same standard on every one of them. Every figure off the issuer, every card linked to its own page.
Compare All Sixteen
Every card on this site, every published figure, side by side.
No Annual Fee
The 6 cards on this site that fit, ordered by annual fee.
Cash Back
The 4 cards on this site that fit, ordered by annual fee.
Travel And Points
The 10 cards on this site that fit, ordered by annual fee.
Business Cards
The 2 cards on this site that fit, ordered by annual fee.
Foreign Fees
The 3 cards on this site that fit, ordered by annual fee.
Common Questions
3 cards, every one of which has its own page on this site carrying the issuer wording behind each figure.
By annual fee, cheapest first. This is not a ranking. Ranking would require weighing the cards against a spending pattern, and this site does not have yours.
Each card’s own issuer page in Canada, read on 6 September 2026. No figure on any of these pages comes from a comparison site.
Probably. This list covers the cards written up on this site, each read off its issuer. A card with no page here is a card whose figures have not been read yet, not a card that failed a test.
A List Is Not
A Recommendation.
These are the cards on this site that meet the description, ordered by annual fee. Nothing here is advice.
Not financial advice.