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Una tarjeta sin cuota no cuesta nada mantenerla, lo que la convierte en una buena primera tarjeta o en una tarjeta a largo plazo para proteger tu historial crediticio.
Balance transfer and interest savings
Oferta de bienvenida: 0% rate on balance transfers for 12 months (3% fee applies). Not available for residents of Quebec.
+$50 extra de reembolso en efectivo a través de FinlyWealth
Highest cashback for students
Oferta de bienvenida: 5% cash back for the first 3 months, up to $2,500 in spend
Oferta de bienvenida: Get $120 with a Tangerine® Money-Back World Mastercard® and a limited time promo rate on balance transfers
+$75 extra de reembolso en efectivo a través de FinlyWealth
| Tarjeta | Oferta de bienvenida | Reembolso en efectivo extra | Cuota anual | tasa de compras | adelanto de efectivo | comisión por transacciones en el extranjero | |
|---|---|---|---|---|---|---|---|
| 0% rate on balance transfers for 12 months (3% fee applies). Not available for residents of Quebec. | +$50 de reembolso en efectivo | $0 | 12.99% | 24.99% | 2.5% | Solicítalo → | |
| 5% cash back for the first 3 months, up to $2,500 in spendValor est. $125 | — | $0 | 21.99% | 23.99% | 2.5% | Solicítalo → | |
| Get $120 with a Tangerine® Money-Back World Mastercard® and a limited time promo rate on balance transfersValor est. $120 | +$75 de reembolso en efectivo | $0 | 20.95% | 22.95% | 2.5% | Solicítalo → | |
 Tangerine | 10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 monthsValor est. $100 | +$75 de reembolso en efectivo | $0 | 20.95% | 22.95% | 2.5% | Solicítalo → |
 Simplii Financial | Double your cash back on Resturants, Bars and Coffee Shops in your first 3 months.Valor est. $40 | +$50 de reembolso en efectivo | $0 | 20.99% | 22.99% | 2.5% | Solicítalo → |
 American Express | Up to $100 in Statement CreditsValor est. $100 | — | $0 | 21.99% | 21.99% | 2.5% | Solicítalo → |
 RBC | Get up to 7,000 Avion points - that's $50 of value in gift cards! Apply by January 12, 2027.Valor est. $70 | — | $0 | 20.99% | 22.99% | 2.5% | Solicítalo → |
 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 monthsValor est. $100 | +$50 de reembolso en efectivo | $0 | 21.99% | 22.99% | 2.5% | Solicítalo → |
| Get up to 25,000 bonus points in your first anniversary!Valor est. $167 | +$50 de reembolso en efectivo | $0 | 21.99% | 23.99% | 2.5% | Solicítalo → | |
 Neo Financial | — | +$50 de reembolso en efectivo | $0 | 19.99% | 22.99% | 2.75% | Solicítalo → |
 Neo Financial | — | +$50 de reembolso en efectivo | $0 | 19.99% | 22.99% | 2.75% | Solicítalo → |
 Neo Financial | — | +$50 de reembolso en efectivo | $0 | 19.99% | 22.99% | 2.75% | Solicítalo → |
 Scotiabank | Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel).Valor est. $50 | +$50 de reembolso en efectivo | $0 | 21.99% | 22.99% | 2.5% | Solicítalo → |
| 5% cash back for the first 3 months, up to $2,500 in spendValor est. $125 | — | $0 | 21.99% | 23.99% | 2.5% | Solicítalo → | |
 Neo Financial | — | +$50 de reembolso en efectivo | $0 | 19.99% | 22.99% | 3% | Solicítalo → |
 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 monthsValor est. $100 | +$50 de reembolso en efectivo | $0 | 19.99% | 22.99% | 2.5% | Solicítalo → |
| 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.Valor est. $134 | — | $0 | 21.99% | 23.99% | 2.5% | Solicítalo → | |
 Vancity | — | — | $0 | 19.5% | — | 2.5% | Solicítalo → |
 American Express | Up to 10,000 Membership Rewards® pointsValor est. $200 | — | $0 | 21.99% | 21.99% | 2.5% | Solicítalo → |
| Earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases.Valor est. $75.76 | — | $0 | 21.99% | 22.99% | 2.5% | Solicítalo → | |
| — | — | $0 | 21.99% | 22.99% | 2.5% | Solicítalo → | |
| — | — | $0 | 21.99% | — | 2.5% | Solicítalo → | |
 National Bank | — | — | $0 | 20.99% | 22.49% | 2.5% | Solicítalo → |
 National Bank | — | — | $0 | 20.99% | 22.49% | 2.5% | Solicítalo → |
Datos de la oferta de FinlyWealth, actualizados 2026-11-09. Las tasas, las comisiones y las ofertas cambian con frecuencia y pueden diferir de lo que el emisor te muestra — confirma siempre los términos actuales en el sitio del emisor antes de solicitarla. "Reembolso en efectivo extra" es pagado por FinlyWealth cuando solicitas a través de nuestro enlace y eres aprobado; las condiciones están en la página de FinlyWealth. Los rankings utilizan la calificación de FinlyWealth y luego el valor de la oferta de bienvenida. crediteasy.ca es independiente y no brinda asesoramiento financiero.
