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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
  • 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
Typical APR
19.99% purchases
Balance Transfer
N/A*
Balance Transfer Fee
N/A*
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®
  • 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
Typical APR
14.9%
Balance Transfer
14.9%
Balance Transfer Fee
See Application
Annual Fee
$79
Credit Needed
Credit Needs Improvement

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

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

The 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 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
Typical APR
19.99% on purchases and 21.99% on funds advances*
Balance Transfer
N/A*
Balance Transfer Fee
N/A*
Annual Fee
No annual fee
Credit Needed
Excellent

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

The SimplyCash™ Preferred Card from American Express
  • 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
Typical APR
19.99% on purchases and 21.99% on funds advances*
Balance Transfer
N/A*
Balance Transfer Fee
N/A*
Annual Fee
$79*
Credit Needed
Excellent