Transfer high-interest debt to a low or 0% promotional rate. Compare balance transfer offers and save on interest.
You earn 0x on groceries and 0x at restaurants.
Annual Fee
$20
Rewards rate
0x
Welcome Bonus
—
1st Year Value
—
You earn 0x on groceries and 0x at restaurants.
Annual Fee
$25
Rewards rate
0x
Welcome Bonus
—
1st Year Value
—
Complete Guide
Transfer high-interest debt to a low or 0% promotional rate. Compare balance transfer offers and save on interest.
Balance transfer cards offer a low or 0% introductory rate on transferred balances, giving you a window to pay down high-interest debt faster. Transfer fees of 1–3% typically apply, but the interest savings can be substantial.
2
Cards analyzed
May 2026
Last updated
100%
Independent
Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.
FAQ
Most balance transfer promotions last 6–12 months. MBNA offers some of the longest promotional periods in Canada.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
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