Best Balance Transfer Credit Cards in Canada - September 2026

Get a 0% introductory interest rate on balance transfers for 18 months (2% transfer fee applies) and a waiver of the $29 annual fee for the first year*.

• Get the lowest interest rate: 13.99% on purchases*
• Free* extended warranty insurance and purchase protection insurance
• Add another cardholder for free*
• Zero Liability Protection: You are protected against unauthorized use of your card*
• Card acceptance at more than 30 million merchants worldwide*
• Enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card*

Transfer your credit card balance of $100 or more – Get 0% interest for up to 10 months with a 1% transfer fee^† and a two year annual fee rebate^†

Check full offer details below^†:

• Transfer up to 50% of your assigned credit limit^†
• If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest
• Take advantage of this 0% introductory interest rate on balance transfers of $100 or more for your first 10 months. You’ll only have to pay a 1% fee^† when you transfer your balance from another card to the CIBC Select Visa Card.
• This balance transfer offer is only available at the time of your online application.^† Simply tick the checkbox to select the balance transfer option when you’re filling out your application

Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.

Balance transfers of amounts less than $100 are not eligible for this promotional balance transfer offer and will be subject to the regular interest rate for Cash Advances applicable to your account.

CIBC is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click on the “Apply now” link.

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.^†

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.^†

Get 50% off Disney+ for 6 months

Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement credits.^†

^†Conditions Apply. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques.

Enjoy a 0% promotional interest rate on balance transfers for the first nine months, with a 1% transfer fee. Plus, pay no annual fee for the first year¹.

• Save hundreds of dollars in interest each year
• Low interest rate of 13.99%
• Pay down balances faster
• Simplify your monthly payments

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

• No annual fee
• Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances.
• Rates and fee structures may differ for Quebec residents.
• You could get a 0% promotional annual interest rate (“AIR”)^† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee. This promotional offer is not available to residents of Quebec.
• This card is made from 100% recycled plastic.
• Around-the-clock fraud protection
• Use available credit on your credit card to transfer funds right to your chequing account.

Apply for the MBNA True Line^® Mastercard^® credit card today

• Get $100 with a Tangerine^® Money-Back World Mastercard^®*.
• Spend $1,500 in your first 3 months to enjoy this Bonus.^††
• Get 2% unlimited cash back in 2 categories of your choice and 0.5% on all your other purchases.
• Plus, unlock a third 2% category when your cash back is deposited into a Tangerine Savings Account.