The 1-Minute Challenge · Debt
What is your card overcharging you?
If you carry a balance, the rate is everything. Compare your card against today's best Canadian low-rate card (MBNA (TD Bank)).
Your card today
Only balances that roll over cost interest — paid-in-full cards skip this entirely.
Interest you could stop paying
$0/year
Best low-rate card today: 8.99% — yours:20.99%
Your rate already beats the best low-rate card. Nicely done.
See all debt rates →8.99%
Best low-rate card
20.99%
Standard card rate
50%+
Profits pledged to research
Rates scraped daily; updated 2026-07-25. Saving = balance × (your rate − best rate). Simple interest shown; card interest actually compounds daily, so the real cost is higher. Verify rates directly before switching. Information only — not financial advice.