--> --> Best Balance Transfer Credit Card Offers For Canadians | creditcardGenius --> --> -->   App Exclusive: $150 GeniusCash on a card with unreal cash back! Download Now × 5 Hello! Sign In $150 Cash Back Compare Credit Cards Compare Credit Cards Compare Credit Cards Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. GeniusCash credit cards = more cash in your pocket! 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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Our disclosure Best Balance Transfer Credit Card Offers For Canadians Written by creditcardGenius Team   updated on Oct 3, 2022 Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. Need help tackling credit card debt ? A terrific way to help pay it down is by getting a credit card with a balance transfer offer. With high interest rates, it’s easy for credit card debt to balloon, and you’ll be paying a significant amount of money on interest. Instead of paying the typical 19.99% interest on your balance, you can get a rate as low as 0% for up to a year. That’s a whole lot of money you’re paying straight toward your balance, and not interest. So what credit cards can help you? Here are the best balance transfer credit card offers you can take a look at. In this article Top 4 low interest balance transfer credit card offers Interest rates compared for the best balance transfer credit cards FAQ Never miss an amazing deal again + get our bonus 250+ page eBook for FREE . Join 50,000 other Canadians who receive our weekly newsletter – learn more . Top 4 low interest balance transfer credit card offers Let us be cliché and say: when life gives you lemons, make lemonade and find ways to cut that interest rate to the bone while paying your balance ASAP. One of the best ways to do that is to transfer your high interest credit card balance to a new credit card with a  0% interest rate (yes, they exist!) for up to almost a full year. Just make sure you have a plan to pay off that balance in full BEFORE the promotion is up. Otherwise, high-interest rates will kick in again and you’ll be right back where you started. And of course, there are some other rules, you can read about them here . Here are 5 of the best balance transfer credit cards in Canada. Credit Card Annual fee Balance transfer promo Apply MBNA True Line Mastercard $0 $20 GeniusCash + 0% interest on balance transfers for 12 months ( terms ) Apply BMO CashBack Mastercard $0 $20 GeniusCash + 0.99% for 9 months ( terms ) Apply BMO AIR MILES Mastercard $0 $20 GeniusCash + 0.99% for 9 months ( terms ) Apply BMO Preferred Rate Mastercard $29 0.99% interest on balance transfers for 9 months ( terms ) Apply 1) MBNA True Line Mastercard The best balance transfer credit card offer in Canada is with the MBNA True Line ® Mastercard ® . The balance transfer offer with this credit card is 0% for 12 months . This means you’ll have a whole year of not having to pay interest. And once your balance transfer is done, you’ll still see a low interest rate of 17.99% on balance transfers. This card also has a low interest rate of 12.99% on purchases – sadly the cash advance rate is still a high 24.99%. This package has no annual fee or income requirements. MBNA True Line ® Mastercard ® 4.4 Genius Rating 2.9 (12) User reviews ×2 Award winner $20 GeniusCash + 0% on balance transfers for 12 months (3% fee) + No annual fee. * Annual fee $0.00 Learn more Annual rewards $0 ◊ Learn more Annual savings $1,551 ◊ GC Ends: Nov 30, 2025 GC: $20 I Want This Deal Learn More Instant approval: Yes Credit estimate: MBNA True Line ® Mastercard ® GC: $20 4.4 Genius Rating 2.9 (12) User reviews 2x Award winner $20 GeniusCash + 0% on balance transfers for 12 months (3% fee) + No annual fee. * Annual fee $0.00 Learn more Annual rewards $0 ◊ Learn more Annual savings $1,551 ◊ GC Ends: Nov 30, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 2) BMO CashBack Mastercard Another top balance transfer credit card in Canada is the BMO CashBack ® Mastercard ® * . With this BMO Mastercard, you’ll get a balance transfer offer of 0.99% for 9 months , with a low transfer fee of 2%. This offer will let you get ahead of your credit card debt for most of a year, which can help you pay that debt more quickly. Once your debt is paid off, you can also earn cash back on every purchase you make: 3% cash back on groceries (up to $500 per month) 1% cash back on recurring bill payments (up to $500 per month) 0.5% cash back on all other purchases BMO CashBack ® Mastercard ® * 3.7 Genius Rating 2.5 (14) User reviews $20 GeniusCash + Up to 5% cash back + No annual fee. * Annual fee $0.00 Learn more Annual rewards $243 ◊ 5% cash back Annual savings $1,117 ◊ GC Ends: Dec 31, 2025 GC: $20 I Want This Deal Learn More Instant approval: Yes Credit estimate: BMO CashBack ® Mastercard ® * GC: $20 3.7 Genius Rating 2.5 (14) User reviews $20 GeniusCash + Up to 5% cash back + No annual fee. * Annual fee $0.00 Learn more Annual rewards $243 ◊ 5% cash back Annual savings $1,117 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 3) BMO AIR MILES Mastercard BMO also has a sweet deal for the BMO AIR MILES ® † Mastercard ® * , offering new cardholders an introductory balance transfer rate of 0.99% for 9 months – pretty impressive, right? The nice thing about this card is that you’ll also earn valuable AIR MILES with every purchase you make. However, we suggest you wait until your balance transfer is paid off in full before you start using it for purchases. But if you’re looking for a solid no fee rewards card that also gives you a low intro rate on balance transfers, this could be the card to consider. BMO AIR MILES ® † Mastercard ® * 3.6 Genius Rating 3.7 (21) User reviews $20 GeniusCash + Up to 1,200 2,500 bonus AIR MILES + 3x the AIR MILES at partners. * Annual fee $0.00 Learn more Annual rewards $155 ◊ 2,500 miles Annual savings $1,117 ◊ GC Ends: Dec 31, 2025 GC: $20 I Want This Deal Learn More Instant approval: Yes Credit estimate: BMO AIR MILES ® † Mastercard ® * GC: $20 3.6 Genius Rating 3.7 (21) User reviews $20 GeniusCash + Up to 1,200 2,500 bonus AIR MILES + 3x the AIR MILES at partners. * Annual fee $0.00 Learn more Annual rewards $155 ◊ 2,500 miles Annual savings $1,117 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (560 - 659) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 4) BMO Preferred Rate Mastercard BMO’s low interest credit card, the BMO Preferred Rate Mastercard ® * , also has a good balance transfer offer. You’ll get a rate of 0.99% for 9 months . And while it has the highest intro balance transfer rate of these cards, it also has a low permanent balance transfer rate of 15.99%, which is better than the others. In case you don’t pay your debt by the end of the 9-month intro period, you’ll still get a lower interest rate than most other credit cards. It has a low annual fee of $29, which is waived for the first year. Additional savings you can use towards paying your debt. BMO Preferred Rate Mastercard ® * 3.3 Genius Rating 3.6 (7) User reviews 0.99% on balance transfers for 9 months + Very low interest rates. * Annual fee $29.00 Learn more Annual rewards $0 ◊ Learn more Annual savings $1,117 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: BMO Preferred Rate Mastercard ® * 3.3 Genius Rating 3.6 (7) User reviews 0.99% on balance transfers for 9 months + Very low interest rates. * Annual fee $29.00 Learn more Annual rewards $0 ◊ Learn more Annual savings $1,117 ◊ Learn more Credit estimate:  (560 - 659) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Interest rates compared for the best balance transfer credit cards So which out of these top 5 cards has the best interest rate? To put it into perspective, we’ve created a visual comparison so you can see how they stack up against each other, both for introductory balance transfer offers and standard balance transfer rates after their promotion periods have expired. Best balance transfer credit card offers compared As seen in the chart, nothing can beat MBNA True Line Mastercard’s 0% interest rate for a whole 12 months. Taking advantage of this offer will let you focus on paying off your debt for an entire year, without having to worry for a while about the impending doom of interest. Standard interest rates for the best balance transfer credit cards compared It’s important to remember that these promotional offer periods are temporary, and that after they’re done, you’ll be faced again with standard interest rates. Even so, the MBNA True Line Mastercard still has impressively low balance transfer and purchase interest rates. Although you should ideally focus on paying off your debt first rather than piling on additional purchases, we’ve also included purchase interest and cash advance interest rates as something to keep in mind. Annual savings in one year So the big question – how much can you save in one year on interest? Assuming you have existing credit card debt of $8,000, here’s how much you would save with one of these balance transfer credit cards over 1 year. This number factors in the promotional rate – interest rates once the promo is over – and the fee you’d have to pay to transfer your balance. This is where the MBNA True Line card really shines. Other than the 3% fee you have to pay, it’s pure interest savings for a whole year. You’re getting the lowest interest rate possible There’s no short or long term loan in Canada that offers a better interest rate than a 0% interest credit card balance transfer offer (currently offered by the MBNA True Line ® Mastercard ® . ) Try if you want, but you won’t find it. While it can be difficult to pay off a credit card from one bank with another credit card from the same bank, it’s easy to apply for a 2nd balance transfer card when your first promo rate is about to expire. Use that to pay off the 1st. That’s one way to extend your low interest rate for a much longer period until you can finally get that debt paid off. Just keep an eye on your  credit score , because running a high balance and applying for credit cards too often can start to drag it down. 1 or 2 cards per year are okay if you have a healthy score, but it’s better to avoid doing any more than that. Your turn Have you ever taken advantage of a balance transfer credit card offer? Was it worth it? How much did you manage to save on interest? Tell us all about it in the comments! FAQ Is it a good idea to do a balance transfer? Balance transfers can be a powerful financial tool that can help you reduce your interest payments and help you pay off your debt more quickly. The key is to find a balance transfer credit card with a low introductory interest rate that will be in effect long enough for you to put a serious dent in your debt (or ideally pay it off in full). You can see our comparison of the best balance transfer credit cards in Canada. Do balance transfers affect your credit score? Balance transfers themselves will not affect your credit score, but any time you apply for a new credit card, your credit score will take a small hit. But if you’re able to use a balance transfer credit card to pay off your debt more quickly, this will have a significant positive impact on your score, so it’s worth taking the small, short-term hit in order to make those more significant long-term gains. Who has the best balance transfer deal? Right now, BMO has the best balance transfer credit card offer in Canada, with the MBNA True Line Mastercard . You’ll get a super low rate of 0% interest for 12 months on balance transfers, with a low transfer fee of 3%. Is there a downside to balance transfers? There are 2 possible downsides to balance transfers. First, any time you apply for a new credit card, your credit score will take a small hit when the issuer does a hard credit check. This small hit will be offset if you take advantage of the offer to pay down your debt more quickly, so it can be worth it. The second downside is that you really shouldn’t use your new credit card to make regular purchases until you have paid off your balance transfer in full. Credit card interest works in complicated ways, and you may end up paying higher interest than you may expect, for longer than you expect. Which cards are the best after promotional balance transfer credit card offers have expired? You’ll want to take advantage of balance transfer offers while they’re active, but after they’ve expired, the best card for standard balance transfer rates listed in this article is the MBNA True Line Mastercard . With these cards, you’re getting a low rate of 17.99% on balance transfers, which is much better than typical credit card interest. creditcardGenius is the only tool that compares 126+ features of 227 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 227 cards is for you. Did you find this article helpful? Yes No Editorial Disclaimer : The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 227 Canadian credit cards. Hot Credit Card Deals This Month Hot Credit Card Deals This Month: Get even more cash back with exclusive offers only available on the GeniusCash app Explore bigger GeniusCash offers that you won't find anywhere else. Connect your credit cards and unlock bonus cash on your spending that you won't get anywhere else. Explore customized recommendations to help you find the best products to level up your rewards. Be the first to know about new, limited-time GeniusCash offers so that you never miss a deal. Refer your friends and family to earn bonus levels and extra cash back. Up to 90,000 100,000 bonus points + 4 free lounge passes per year + $125 GeniusCash Earn up to 5x the points on purchases. 90,000 100,000 point welcome bonus worth up to $670. Includes a Mastercard Travel Pass membership with 4 free passes.. Annual fee of $150, which is waived for the first year. $125 GeniusCash on approval ‒ offer ends Dec 31, 2025. * Earn up to 165,000 bonus points + First year annual fee rebate + $20 GeniusCash Earn up 165,000 TD Rewards points as a welcome bonus. Earn 8 points per $1 spent on travel through Expedia For TD. Earn 6 points per $1 spent on groceries and restaurants. Annual $100 travel credit for use at Expedia For TD. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * 0% interest for 12 months with Canada's #1 balance transfer promotion + $20 GeniusCash Best balance transfer rate in Canada. You can get a 0% promotional balance transfer rate for 12 months to help you pay off pre-existing credit card debt. Permanent low interest rates of 12.99% on purchases and 17.99% on balance transfers (24.99% on cash advances). No annual fee. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * Bonus : Finally earn rewards on your biggest expense by paying for your rent and other bills with Chexy. Related Posts The Best 0% APR Credit Cards In Canada Average Credit Card Debt Canada – What Do Canadians Owe On Credit Cards? MBNA Mastercard Updates Coming September 25 Credit Card Balance Transfer or Personal Loan? Which Is Better? Comments Leave a comment Required fields are marked with *. Your email address will not be published. Post Comment Showing 12 comments Paul Fan November 19, 2020 Are you allowed to keep transferring the balance from card to card? Also, this only applies to balance for paid purchases correct? Reply creditcardGenius Team November 24, 2020 Hey Paul, Yes, you can keep transferring balances between cards, provided they are from different banks. But you'll pay a fee everytime you transfer (unless you live in Quebec). The fee is usually between 1% - 3% of the balance transferred. This applies to the entire balance of the card, not just for purchases made. Reply Sergio July 23, 2020 Hi I live in Quebec, I have 1 card that has about 15000$ and another about 11000$.. Which card would be better for transfers for me? Reply creditcardGenius Team July 28, 2020 Right now, the MBNA Best Western Mastercard, which offers a balance transfer rate of 1.99% for 10 months. You can learn more about this card here: https://creditcardgenius.ca/credit-cards/mbna-best-western-platinum-plus-mastercard-quebec-version However, if your debt is with MBNA or TD you won't be able to take advantage of this offer. You can explore other top balance transfer offers here: https://creditcardgenius.ca/best-credit-cards/balance-transfer Reply Marton December 7, 2019 I am interested in balance transfer whit no intererst for 10 month Martin 403 796 7334 thanks Reply creditcardGenius Team December 11, 2019 Hi Martin, MBNA True Line Mastercard is currently offering 0% interest on balance transfer for the first 12 months. This is a limited time offer that ends Feb 29, 2020. You can learn more about this card here: https://creditcardgenius.ca/credit-cards/mbna-true-line-preferred-mastercard Hope this helps! Reply Albert August 1, 2019 MBNA is offering 0% balance transfer for 10 months, but with a 3% fee, so in reality, they are charging 3% for the balance transfer and not 0% Reply Mitch January 16, 2020 Financial websites - ratehub, moneysense, etc. - keep pushing the MBNA cards, but the 3% transfer is an additional cost. PC Financial offers a credit card with a low 0.97% balance transfer offer for 6 months with no transfer fees, no annual fees, nada. This is an honourable mention on most sites, but it is a better offer. I wonder how much commission / incentives these financial writers get from MBNA, other credit cards... Reply Zalatan99 January 27, 2020 Are you sure? I read 1% transfer fee on their website. Reply creditcardGenius Team January 20, 2020 PC certainly has a great offer, and if your debt is small (or you could fully pay it off in 6 months) it might be a better choice as you would save on the transfer fee. But if you have a sizeable debt that you won't be able to pay off in 6 months, even with the 3% fee MBNA charges, you'll gain an extra 6 months at 0% interest in return. This could mean a lot more savings for you, depending on your situation. Reply Nat January 17, 2020 It's probably because PC's interest rate after the balance transfer offer is 22.97. Don't pay off your transfer in full in 6 months and you get really screwed. Reply creditcardGenius team August 2, 2019 Hi there, It is a 0% interest balance rate for the first three months, and a 3% transfer rate. This means that the balance transfer rate would only be one time, and not continuous like a balancer transfer interest rate. Still a great savings for those hoping to pay off a debt in 10 months. Hope this helps! 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