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 CA 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 CA 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
  • Low annual interest rate of 14.9% on purchases and balance transfers
  • Annual interest rate for cash advances is 19.8%
  • May help you strengthen your credit history
  • Security funds may be required
  • Annual fee of $79
  • Valuable MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
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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
Credit Needs Improvement

The 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 (up to $400 cash back) for the first 6 months of Cardmembership
  • Earn 1.5% cash back when your Welcome Rate ends (up to $100,000 annually) and 1.25% after No limit to the amount of cash back you can earn
  • Enjoy a special 0% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application.
  • A 1% balance transfer fee will be charged on the transaction amount and interest is payable on the amount of this fee at the applicable rate for purchase.
  • No annual fee for Supplementary Cards
  • 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
$79*
Credit Needed
Excellent Credit

No-Fee Scotiabank Value® VISA Card

Apply Now at CA 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 CA 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

The 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 Cardmembership1
  • 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 0% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application
  • A 1% balance transfer fee will be charged on the transaction amount and interest is payable on the amount of this fee at the applicable rate for purchase
  • 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
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
  • More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from electronics to travel and more
  • 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
N/A
Balance Transfer Fee
See Terms
Annual Fee
No annual fee
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.