Best Capital One Credit Cards in Canada
|Credit card||Purchase interest rate||Balance transfer rate||Annual fee||Net reward (1st year)||Monthly interest fee||Monthly interest fee||Required deposit|
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Capital One offers a diverse range of credit cards (12 in total) that are sure to meet your needs.
Want to get cash back every time you use your card? The Capital One Aspire Cash Platinum MasterCard, and the Capital One Vibe MasterCard for students and young adults, both let you earn 1% cash back on all of your purchases.
If you sometimes carry a balance and want to avoid paying high interest rates, the Capital One SmartLine Platinum MasterCard saves you money with no annual fee and a low interest rate of Prime (3.00%) + 6.99%. The Capital One Low Rate Guaranteed MasterCard also has a low interest rate of 14.9%, which can save you money if you aren’t able to pay your monthly balance in full.
If you’d like to improve your credit, the Capital One Guaranteed MasterCard and Capital One Guaranteed Secured MasterCard can help learn how to use your card responsibly. Simply put down a deposit and the card may be yours.
Finally, if you’re a frequent traveller or want to see more of the world, Capital One offers 6 travel rewards credit cards. The most popular travel card in Canada is the Capital One Aspire Travel World MasterCard. That plus the Capital One Aspire Travel Platinum MasterCard let you earn points that can be redeemed for travel via the Capital One site. Capital One is also partnered with Delta SkyMiles and IHG Rewards, so you can use their cards to earn rewards for their individual programs.
Capital One’s credit card partnerships include:
As of Fall 2014, Capital One + MasterCard are also the official partners on Costco’s new credit card. Up until then, Costco had been partnered with American Express.
Capital One Financial Corporation is an international financial services company known for making innovations in the credit card industry, such as introducing balance transfers, low introductory rates, and fixed rate credit cards. As the eighth largest bank in the United States as measured by total assets and deposits, Capital One has been offering credit cards in Canada since 1996. Capital One has two offices in Toronto and Montreal.