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Balance Transfer Credit Cards

Balance transfer credit cards allow borrowers to consolidate their credit card debt onto a single card to save money on interest charges. Compare the credit cards below, then apply online for your choice of credit card by completing a secure application.

 
     

 

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

Platinum Plus® MasterCard® credit card - 0% for 12
  • 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
Typical APR
See Terms
Balance Transfer
See Terms
Balance Transfer Fee
1% of amount advanced (minimum fee $7.50)
Annual Fee
None
Credit Needed
Good

Scotiabank Value® VISA Card
Scotiabank Value® VISA Card

Scotiabank Value® VISA Card
  • 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
Typical APR
11.99%*
Balance Transfer
0.99% for 6 months*
Balance Transfer Fee
1%* (N/A on intro offers)
Annual Fee
$29*
Credit Needed
Good

The American Express® AIR MILES Credit Card
The American Express® AIR MILES Credit Card

The American Express® AIR MILES Credit Card
  • 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.
Typical APR
19.99% purchases
Balance Transfer
1.99%
Balance Transfer Fee
$0
Annual Fee
No annual fee
Credit Needed
Excellent

Capital One® Low Rate Guaranteed MasterCard®
Capital One® Low Rate Guaranteed MasterCard®

Capital One® Low Rate Guaranteed MasterCard®
  • 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
Typical APR
14.9%
Balance Transfer
14.9%
Balance Transfer Fee
See Application
Annual Fee
$79
Credit Needed
Building Credit

No-Fee Scotiabank Value® VISA Card
No-Fee Scotiabank Value® VISA Card

No-Fee Scotiabank Value® VISA Card
  • 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
Typical APR
16.99%*
Balance Transfer
3.99% for 6 months*
Balance Transfer Fee
1%* (N/A on intro offers)
Annual Fee
$0*
Credit Needed
Good

SimplyCash™ Card from American Express
SimplyCash™ Card from American Express

SimplyCash™ Card from American Express
  • 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
Typical APR
19.99% on purchases and 21.99% on funds advances*
Balance Transfer
1.99%
Balance Transfer Fee
$0
Annual Fee
No annual fee
Credit Needed
Excellent

SimplyCash™ Preferred Card from American Express
SimplyCash™ Preferred Card from American Express

SimplyCash™ Preferred Card from American Express
  • 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
Typical APR
19.99% on purchases and 21.99% on funds advances*
Balance Transfer
N/A*
Balance Transfer Fee
$0
Annual Fee
$99*
Credit Needed
Excellent

American Express Essential™ Credit Card
American Express Essential™ Credit Card

American Express Essential™ Credit Card
  • 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
Typical APR
8.99%
Balance Transfer
N/A*
Balance Transfer Fee
1.99% in the first 6 months
Annual Fee
$0
Credit Needed
Excellent Credit