Low fee, low interest credit card

Simple, easy, and smart

The ideal card for keeping costs low

Want a better way to manage interest fees if you carry a balance from time to time? A low rate card is a great option.


Classic convenience and a great low rate

No annual fee, a low interest rate and mobile device insurance to keep everything nice and easy.

Classic Mastercard features:

 Annual fee: $0

 Interest rate (purchases): 12.99% fixed

​ Zero liability fraud protection

​ Purchase protection & extended warranty

​ Mobile device insurance


​ None, just a great low rate

*Importance Notice: There are upcoming changes to the Classic Mastercard®. Learn more here.

More than just a low rate

Purchase protection

Merchandise is insured for 90 days if lost, damaged or stolen


Double your warranty

Up to one year extra for card purchases.


Mobile device insurance

Mobile device insurance up to $1,000

Fraud protection alerts

Get real-time fraud text alerts for greater security


Your perfect card is just a few clicks away

Applying online is quick and easy. Just fill in the simple application form. Here's how it works:

 Fill in the required personal, financial and employment information

 Supply any additional information within 30 days (if requested)

​ Once approved, get your card in 7-10 business days

Our credit card partner: Collabria Financial

Offering first-class cards and first-class service to tens of thousands of Canadians.


Cardholder support

24/7 support when, including online access to your account

Fraud monitoring

Relax with 24/7 fraud monitoring & protection services for your card

Generous rewards program

The ultimate selection including flights, tickets merchandise & more


Not finding what you're looking for?

Let one of Island-based experts help. 

 Chat with a representative online now

Not quite the credit card?

 Take me to a credit card that:

 Provides statement credit

 Has more rewards

 Is for students

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