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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 10 months

0% introductory annual interest rate† on balance transfers* and cheque cash advances for 10 months
No Annual Fee
17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Around-the-clock fraud protection
Online access to your credit card account
Unparalleled 24-hour Customer service
International acceptance at millions of locations

Typical APR
17.99%*

Balance Transfer
0% for 10 months†

Balance Transfer Fee
1%*

Annual Fee
$0*

Credit Needed
Good

Gold MasterCard® credit card - Fixed 9.99% AIR

No Annual Fee
9.99% Annual Interest Rate on Purchases and Cash Advances
Around-the-clock fraud protection
Online access to your credit card account
Unparalleled 24-hour Customer service
Immediate cash access at 430,000 ATMs internationally

Typical APR
9.99%*

Balance Transfer
N/A†

Balance Transfer Fee
1%*

Annual Fee
None*

Credit Needed
Good

No-Fee Scotiabank Value® VISA Card

1.99% 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

Typical APR
16.99%*

Balance Transfer
1.99% for 6 months*

Balance Transfer Fee
1%* (N/A on intro offers)

Annual Fee
$0*

Credit Needed
Good

Smart Cash MasterCard® credit card

Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months††
Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafte†
Get up to 1% cash back for all other qualifying net retail purchases†
1.99% introductory annual interest rate† on balance transfers* and cheque cash advances for 10 months
Feel secure with around-the-clock fraud protection
Enjoy free online access to your credit card account
No annual fee

Typical APR
19.99%*

Balance Transfer
19.99%*

Balance Transfer Fee
1%*

Annual Fee
None*

Credit Needed
Good

Scotiabank Value® VISA Card

0.99% introductory interest rate on cash advances and balance transfers for the first nine months. Balance transfer fee does not apply to introductory offers.
Save hundreds of dollars a year
Pay down balances faster
Simplify your monthly payments

Typical APR
11.99%*

Balance Transfer
0.99% for nine months*

Balance Transfer Fee
1%* (N/A on intro offers)

Annual Fee
$29*

Credit Needed
Good

SmartLine^TM Platinum MasterCard

SmartLine<sup>TM</sup> Platinum MasterCard

No Annual Fee, Annual interest rate for cash advances is 19.8%
Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
After 3 years your rate will stay low and become a variable rate of Prime +4.99% on purchases and balance transfers
Save money when you transfer high-interest debt with our no-fee balance transfer service

Typical APR
5.99% for 3 years*

Balance Transfer
5.99% for 3 years*

Balance Transfer Fee
N/A*

Annual Fee
$0*

Credit Needed
Excellent

Low Rate Guaranteed Secured MasterCard®

Guaranteed Approval
Low rate on purchases and balance transfers
May help you establish or re-establish your credit history

Typical APR
14.9%*

Balance Transfer
14.9%*

Balance Transfer Fee
N/A*

Annual Fee
$69*

Credit Needed
No Credit / Limited Credit History*

Gold MasterCard®: 11.9%

Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years (as long 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 our no-fee balance transfer service

Typical APR
11.9% for 3 years*

Balance Transfer
11.9% for 3 years*

Balance Transfer Fee
N/A*

Annual Fee
$19*

Credit Needed
Good

Low Rate Guaranteed MasterCard®

Low rate on purchases and balance transfers
May help you strengthen your credit history
$0 fraud liability for unauthorized use
Security funds not required, unless we contact you

Typical APR
14.9%*

Balance Transfer
14.9%*

Balance Transfer Fee
N/A*

Annual Fee
$79*

Credit Needed
Average Credit*

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Balance Transfer Credit Cards