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The definitive online resource for Canadian Credit Card Information.
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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.
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| Platinum Plus® MasterCard® credit card - 0 for 12 |
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- 0% annual interest rate† (AIR) on balance transfers* and deposits* for the first 12 full months
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour customer service
- International acceptance at millions of locations
- No annual fee
- Enhanced security and protection with Chip & PIN technology and PayPass
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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 |
| Smart Cash MasterCard® credit card |
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- Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡
- Up to 2% cash back on eligible gas and grocery purchases thereafter‡
- And, up to 1% cash back on all of your other eligible purchases‡
- 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
- Enjoy free online access to your credit card account
- And, with no annual fee and free additional cards you’ll start to see the benefits right away.
- Once your cash back totals at least $50 at the end of a monthly billing cycle, we’ll automatically mail you a cheque‡ - it’s that simple.
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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 |
| SmartLine™ Platinum MasterCard® |
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- Enjoy a low, long-term rate of 5.99% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time)
- After 3 years your rate will stay low and become a variable rate of Prime +6.99% on purchases and balance transfers
- Annual interest rate for cash advances is 19.8%
- No annual fee
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Typical APR
5.99% for 3 years | Balance Transfer
5.99% for 3 years | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Excellent Credit |
| Low Rate Guaranteed MasterCard® |
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- Low rate on purchases and balance transfers
- May help you strengthen your credit history
- Security funds may be required
- Annual interest rate for cash advances is 19.8%
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Typical APR
14.9% | Balance Transfer
14.9% | Balance Transfer Fee
See Application | Annual Fee
$79* | Credit Needed
Credit Needs Improvement |
| Scotiabank Value® VISA Card |
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- 0.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- Save hundreds of dollars a year
- Pay down balances faster
- Simplify your monthly payments
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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 |
| No-Fee Scotiabank Value® VISA Card |
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- 3.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- Save hundreds of dollars a year
- Pay down balances faster
- Simplify your monthly payments
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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 |
| Gold MasterCard® with a 11.9% Interest Rate |
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- Enjoy the certainty of a low, long-term rate of 11.9% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time)
- After that, your rate will stay low and become a variable rate of Prime +9.9% on purchases and balance transfers
- Annual interest rate for cash advances is 19.8%
- Save money when you transfer high-interest debt with the no-fee balance transfer service
- $19 annual fee
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Typical APR
11.9% for 3 years* | Balance Transfer
11.9% for 3 years* | Balance Transfer Fee
See Application | Annual Fee
$19* | Credit Needed
Average Credit |
| More Rewards MasterCard® Credit Card |
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- No annual fee
- Earn 3 points‡ for every $1 in qualifying purchases virtually everywhere you shop using your More Rewards MasterCard credit card
- Earn 4 pointsA for every $1 in qualifying net retail purchases at Save-On-Foods, Overwaitea Foods, Cooper's Foods,
- PriceSmart Foods or Urban Fare stores using your More Rewards credit card and More Rewards loyalty card together
- Redeem your points for travel, merchandise, gift cards, charitable donations and select in-store grocery merchandise
- 1.99% promotional annual interest rate† (AIR) on balance transfers* and deposits* for the first 6 full months,
- Free online access to your credit card account
- Free around-the-clock fraud protection
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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 |
| TrueLine MasterCard® credit card - Fixed 9.99% AIR |
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- 9.99% annual interest rate on eligible purchases
- No annual fee
- Exclusive Platinum benefits and peace of mind
- Add authorized users at no additional cost
- Around the clock fraud protection
- Enhanced security and protection with Chip & Pin technology
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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 |
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