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Best Balance Transfer Credit Cards

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Balance Transfer

The National Bank Syncro Mastercard offers one of the lowest interest...
  • $35
    Annual Fee
  • $0
    Welcome Bonus
  • 0%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
The MBNA Rewards World Elite Mastercard has much to offer, from...
  • $120
    Annual Fee
  • 30,000 pts
    Welcome Bonus
  • 5 pts
    Every $1 Spent
  • Min.Credit:
                        
  • Rating: no reviews
The MBNA True Line Gold Mastercard offers cardholders some of the best...
  • $39
    Annual Fee
  • $0
    Welcome Bonus
  • 0%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
The CIBC Dividend Visa Infinite card rewards everyday purchases. You can...
  • $120
    Annual Fee
  • $30
    Welcome Bonus
  • 4%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
**Limited time offer: Get the first year of annual fees refunded plus earn...
  • $150
    Annual Fee
  • 70k pts
    Bonus
  • 1 pt
    Every $1 Spent
  • Min.Credit:
                        
  • Rating: no reviews
The Tangerine World Mastercard is one of the best cashback cards packed...
  • $0
    Annual Fee
  • $100
    Welcome Bonus
  • 2%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: 5.0
The BMO CashBack World Elite Mastercard has some of Canada’s best...
  • $120
    Annual Fee
  • 10%
    Welcome Bonus
  • 5%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
The Brim World Elite Mastercard is stock-full of enticing features and...
  • $199
    Annual Fee
  • $500
    Welcome Bonus
  • 2 pts
    Every $1 Spent
  • Min.Credit:
                        
  • Rating: 4.0
There are two types of credit cards you can sign up for with Tangerine...
  • $0
    Annual Fee
  • $100
    Welcome Bonus
  • 2%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: 4.0
The National Bank ECHO Cashback Mastercard offers generous rewards on...
  • $30
    Annual Fee
  • $0
    Welcome Bonus
  • 1.5%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
The National Bank mycredit Mastercard is a good choice for anyone looking...
  • $0
    Annual Fee
  • $0
    Welcome Bonus
  • 0.5%
    On all purchases
  • Min.Credit:
                        
  • Rating: no reviews
Giving back meets excellent cashback rewards with the National Bank Allure...
  • $0
    Annual Fee
  • $0
    Welcome Bonus
  • 1 pt
    Every $2 Spent
  • Min.Credit:
                        
  • Rating: no reviews
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Balance Transfer Credit Cards

Check out the top balance transfer credit cards with Comparewise. We review the best financial tools so you can benefit and save even more.

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Advertiser disclosure

Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

Young investors can trade stocks and ETFs, all for free.
Min Investment
$0
Target Return
Varied
Get up to $150 cash bonus: BONUS150
Min Investment
$0
Target Return
Varied
Get $20 CAD of BTC with promo code: COMPAREWISE
Min Investment
$100
Target Return
4-7%
Earn passive income, start investing in real estate.
Min Investment
$1
Target Return
Varied
Use code KKZH8A when you sign up to get 2 free stocks
Min Investment
$1
Target Return
Varied
Get a $50 bonus when you sign up and deposit $250.
Min Investment
$50
Target Return
Varied
A new passive income asset class, peer-to-peer lending.
Min Investment
$1
Target Return
Varied
Retire up to 30% wealthier with Questwealth Portfolio.
Min Investment
$1
Target Return
Varied
Earn rewards when you buy and sell crypto on BlockFi
Min Investment
$1
Target Return
Up to 8.6%
Buying and seucring gold has never beeng more simple and affordable.
Min Investment
$1
Target Return
Varied
Get a $25 bonus when you sign up and trade.
Min Investment
$10
Target Return
Varied
Online real estate investment in one platform
Min Investment
$25,000
Target Return
9-24%
June 3, 2023
Fact Checked

FAQs about
Balance Transfer Credit Cards

Should I Apply for a Balance Transfer Credit Card?

Moving your balance to a low-rate card can relieve the pressure if you need a break from high-interest charges. Your payments will reduce the balance rather than only paying off interest.

Will Applying For a Balance Transfer Credit Card Affect My Credit Score?

Yes. Applying for a new credit card requires a hard credit check. While you temporarily lose a few points, you can gain them back as you repay your debt through your balance transfer credit card.

What Debts Can I Transfer Onto A Balance Transfer Credit Card?

Most credit card providers only allow you to transfer credit card debt. However, some may accommodate your loans and lines of credit. Bear in mind that you may not be able to transfer debt amongst the same lender’s products. For instance, you can’t transfer a BMO loan to a BMO balance transfer credit card.

Will a Balance Transfer Credit Card Really Help Me Manage My Debt?

Absolutely. You can lessen your debt as long as you pay off your debts before the promotional period expires. You must make a payment plan to ensure you take full advantage of the promotional period. For instance, if you transfer $2,000 to a card with a promotional period of 6 months, divide $2,000 by six. Plan to pay off at least $333 every month before the interest rate resets. Your estimation should also include any extra fees.

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