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These cards currently advertise a low or 0% promotional rate on balance transfers. Check the transfer fee and how long the promo lasts — then run the numbers in our balance transfer calculator.
Balance transfer and interest savings
Welcome offer: 0% rate on balance transfers for 12 months (3% fee applies). Not available for residents of Quebec.
+$50 extra cash back through FinlyWealth
Welcome offer: Enjoy a 1.9% introductory interest rate for the first 10 months on balance transfers and no annual fee for the first year. Apply by January 12, 2027.
Welcome offer: Get $120 with a Tangerine® Money-Back World Mastercard® and a limited time promo rate on balance transfers
+$75 extra cash back through FinlyWealth
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
MBNA True Line Mastercard MBNA | 0% rate on balance transfers for 12 months (3% fee applies). Not available for residents of Quebec. | +$50 cash back | $0 | 12.99% | 24.99% | 2.5% | Apply → |
RBC Visa Classic Low Rate Option RBC | Enjoy a 1.9% introductory interest rate for the first 10 months on balance transfers and no annual fee for the first year. Apply by January 12, 2027. | — | $201st year free | 12.99% | 14.99% | 2.5% | Apply → |
Tangerine Money-Back World Mastercard Tangerine | Get $120 with a Tangerine® Money-Back World Mastercard® and a limited time promo rate on balance transfersEst. value $120 | +$75 cash back | $0 | 20.95% | 22.95% | 2.5% | Apply → |
 Scotiabank Value Visa Card Scotiabank | 0% interest on balance transfers for 9 months + first year fee rebate + extra savings at shell | +$50 cash back | $291st year free | 13.99% | 13.99% | 2.5% | Apply → |
 BMO Preferred Rate Mastercard BMO | Get a 0% introductory interest rate on Balance Transfers for 18 months with a 3% transfer fee and a $29 first-year annual fee rebate. | — | $291st year free | 13.99% | 15.99% | 2.5% | Apply → |
 Tangerine Money-Back Mastercard Tangerine | 10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 monthsEst. value $100 | +$75 cash back | $0 | 20.95% | 22.95% | 2.5% | Apply → |
 Scotiabank Scene+ Visa Card Scotiabank | Earn up to 10,000 bonus Scene+ points within your first 3 months + a 0.99% introductory interest rate on balance transfers for the first 9 monthsEst. value $100 | +$50 cash back | $0 | 21.99% | 22.99% | 2.5% | Apply → |
 BMO Ascend World Elite Mastercard BMO | Get up to $1,900 in value including up to 115,000 points. Plus, get a 0% introductory interest rate on Balance transfers for 12 months.Est. value $770.50 | +$120 cash back | $1501st year free | 21.99% | — | 2.5% | Apply → |
 BMO Blue Rewards World Elite Mastercard BMO | Get up to $1,600 in value and the annual fee waived in the first year. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.Est. value $1,600 | +$120 cash back | $1501st year free | 21.99% | — | 2.5% | Apply → |
 Scotia Momentum No-Fee Visa Card Scotiabank | Earn 5% Cash Back on all purchases for the first 3 months, plus get 0.99% introductory interest rate on balance transfers for the first 9 monthsEst. value $100 | +$50 cash back | $0 | 19.99% | 22.99% | 2.5% | Apply → |
 Scotia Momentum Visa Card Scotiabank | 0.99% introductory interest rate on balance transfers for the first 9 months | +$60 cash back | $39 | 19.99% | 22.99% | 2.5% | Apply → |
 BMO Blue Rewards Mastercard BMO | Get 20,000 Bonus Points, a 9-month 0.99% introductory interest rate on balance transfers with a 2% transfer fee, and earn rewards from over 400 brands.Est. value $134 | — | $0 | 21.99% | 23.99% | 2.5% | Apply → |
Offer data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often and may differ from what the issuer shows you — always confirm the current terms on the issuer's site before applying. "Extra cash back" is paid by FinlyWealth when you apply through our link and are approved; conditions are on the FinlyWealth page. Rankings use FinlyWealth's rating, then welcome-offer value. crediteasy.ca is independent and does not provide financial advice.