Balance Transfer Credit Cards

The balance transfer credit cards listed below allow borrowers to consolidate their credit card debts onto a single card to save money on interest charges, often at a low introductory or 0% APR for balance transfers. Compare the following credit cards, then apply online for your choice of credit card by completing a secure application.

Platinum Plus® MasterCard® credit card - 0% for 12

Apply Now at MBNA's
secure site
  • Simplify your finances while enjoying platinum services.
  • 0% promotional annual interest rate† (AIR) on balance transfers✪ for the first 12 full months
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMS worldwide
  • No annual fee
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Apply Now at MBNA's
secure site
Typical APR
See Terms
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

Scotiabank Value® VISA Card

Apply Now at Scotiabank's
secure site
  • Low 11.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount
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Apply Now at Scotiabank's
secure site
Typical APR
11.99%*
Balance Transfer APR
0.99% for 6 months*
Balance Transfer Fee
See Terms
Annual Fee
$29*
Credit Needed
Good Credit

Capital One® Low Rate Guaranteed MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Annual interest rate for cash advances is 19.8%
  • Low annual interest rate of 14.9% on purchases and balance transfers
  • May help you strengthen your credit history
  • If you're approved for a Secured card, security funds will be required
  • Annual fee of $79
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Apply Now at Capital One - Canada's
secure site
Typical APR
14.9%
Balance Transfer APR
14.9%
Balance Transfer Fee
See Terms
Annual Fee
$79
Credit Needed
Building Credit

SimplyCash™ Preferred Card from American Express

Apply Now at American Express - Canada's
secure site
  • New SimplyCash™ Preferred Card from American Express Cardmembers can earn 5% cash back on all eligible for the first 6 months of Cardmembership (up to $300 cash back)
  • Earn 2.0% cash back when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • Enjoy a special 1.99% intro rate on transferred balances in the first 6 months when transferring your other card balances to this AMEX card at time of online application. There is no transfer fee at time of application
  • Access to memorable experiences with American Express Invites®
  • Extensive insurance coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
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Apply Now at American Express - Canada's
secure site
Typical APR
19.99% on purchases and 21.99% on funds advances*
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
$99*
Credit Needed
Excellent Credit

No-Fee Scotiabank Value® VISA Card

Apply Now at Scotiabank's
secure site
  • 16.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount
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Apply Now at Scotiabank's
secure site
Typical APR
16.99%*
Balance Transfer APR
3.99% for 6 months*
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Good Credit

SimplyCash™ Card from American Express

Apply Now at American Express - Canada's
secure site
  • New SimplyCash™ Card from American Express
  • Earn 5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership
  • Earn 1.25% cash back on all other purchases and when your Welcome Rate ends
  • No limit to the amount of cash back you can earn and No annual fee for Supplementary Cards
  • Enjoy a special 1.99% rate on transferred balances in the first 6 months when transferring your other card balances to this AMEX card at time of online application. There is no transfer fee at time of application.
  • Access to memorable experiences with American Express Invites®
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
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Apply Now at American Express - Canada's
secure site
Typical APR
19.99% on purchases and 21.99% on funds advances*
Balance Transfer APR
1.99%
Balance Transfer Fee
See Terms
Annual Fee
No annual fee
Credit Needed
Excellent Credit

The American Express® AIR MILES Credit Card

Apply Now at American Express - Canada's
secure site
  • New American Express® AIR MILES®* Credit Card Cardmembers, earn a Welcome Bonus of 500 AIR MILES** Reward Miles when you charge $500 in purchases to your Card within your first three months of Cardmembership
  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $20 in Card purchases you charge to the Card everywhere else
  • Shop at participating AIR MILES Sponsors across Canada with your Card and show your AIR MILES®* Collector Card, and you can earn reward miles twice
  • Redeem for a wide range of rewards - everything from electronics to travel and more
  • Have the flexibility to pay your balance off in full or over time
  • Enjoy a special 1.99% rate on transferred balances in the first 6 months when transferring your other card balances to this AMEX card at time of online application. There is no balance transfer fee at time of application
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions Apply.
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Apply Now at American Express - Canada's
secure site
Typical APR
19.99% purchases
Balance Transfer APR
1.99%
Balance Transfer Fee
See Terms
Annual Fee
No annual fee
Credit Needed
Excellent Credit

American Express Essential™ Credit Card

Apply Now at American Express - Canada's
secure site
  • Enjoy a low 8.99% interest rate on purchases
  • Have the flexibility to pay your balance in full or over time
  • Enjoy a 1.99% interest rate on optional balance transfers in the first 6 months if you choose to transfer your non-American Express card balances to this Card. There is no balance transfer fee at time of application
  • Access to memorable experiences with American Express Invites™
  • Shopping coverage and 24/7 Customer Service
  • American Express is not responsible for main or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.
  • Conditions apply
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Apply Now at American Express - Canada's
secure site
Typical APR
8.99%
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Excellent Credit
* See the online balance transfer credit cards applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click the “Apply Now” button you can review the credit card terms and conditions on the issuer's website.