A purpose-built debt-management card: the 10-month 0% balance transfer window plus a permanent 13.99% rate can save serious interest versus a standard 21.99% card.
At a glance
Annual fee
$29
Foreign tx fee
2.5%
Network
VISA
Rewards
cash back
Purchase APR
13.99%
Rewards & earn rates
All purchasesNo rewards program — this is a low-interest card
0%
Pros & cons
Pros
One of the cheapest ways in Canada to pay down card debt
Same low rate applies to cash advances
Cons
No rewards earned
Small annual fee after the first year
Perks & insurance
Key perks
Low 13.99% interest on purchases, cash advances and balance transfers
0% introductory interest on balance transfers for the first 10 months (1% transfer fee)
First-year annual fee rebate on current offer
Free additional cards
Up to 10 cents off per litre with Journie Rewards
Insurance
Common carrier accident ($100,000)
Rates & fees
Annual fee
$29
Purchase interest
13.99%
Cash advance
13.99%
Foreign transactions
2.5%
First year rebated under current offer; $0 for additional cards.
