Two parents shopping with their young children.

Low Rate Credit Cards


Get all the convenience and security of the American Express Essential™ Credit Card while enjoying more financial flexibility with a low interest rate of 8.99%.

Why choose a Low Rate Credit Card?


A low interest rate credit card can help you save on interest payments if you carry a balance. Enjoy more flexibility for big purchases with the American Express Essential™ Credit Card which offers a low ongoing interest rate.


As a Cardmember you also have access to advanced and reserved ticket access as well as special offers to shows and events via American Express Invites®1.

Enjoy shopping with a low rate credit card.

Our Low Rate Credit Card

For the bigger things in life, choose something small.
  • No annual fee
  • Have the flexibility to pay your balance off in full or over time
  • Access to memorable experiences with American Express Invites®1


Key benefits at a glance



Before we can consider your application, please ensure you can say yes to the following:

You are a Canadian resident and have a Canadian credit file.

You are of the age of majority in the province or territory of the residence

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.


Once you have found the Card that suits you best, make sure you read the important information, then hit the 'Apply now' button to begin the application process. At this stage, you can decide how you'd like your name to appear on your Card, and choose optional additional benefits. You can get a response from your application in 60 seconds..

Explore our Types of Cards

Travel Rewards Cards


Enjoy all the benefits, convenience and security of an American Express® Card - with the added bonus of earning points for travel when you use your Card.

AIR MILES Credit Cards


Get all the convenience and security of an American Express Card while earning AIR MILES® reward miles.

Aeroplan Cards


Get all the convenience and security of an American Express® Card while earning Aeroplan®* Miles.

Platinum Cards


Looking for something special? Then consider one of our Platinum Cards to experience a level of membership that complements and enhances your lifestyle.

Cash Back Credit Cards


Get all the convenience and security of an American Express Card while earning cash back on all your eligible purchases with the card.

No Annual Fee Credit Cards


Want a Credit Card that meets your needs without having to pay an annual fee?

Credit Cards Explained


Has talk of interest, annual fees, rates and percentages left you feeling confused?
Our simple Credit and Charge Card Guides are a great place to start.

Find a type of card to suit your needs

Explore our range of Cards, you're bound to find something to suits your needs and lifestyle.