My first surprise is on the APR. In Canada, most cards have an interest rate of 19,9%[1], if you're not counting the store ones (27,99%+).<p>Even looking at the "poor credit" section, there is a variety of APR available.<p>Competition at work...<p>[1] With the exception of reduced interest credit card. My credit union offers one with 9,9% APR and is claiming that's the "lowest interest rate for a credit card in the Country".