Balance transfer

Compare balance transfer cards before interest piles up.

Explore cards designed for moving existing balances, reducing interest costs, and creating a clearer repayment path.

Compare available options
Secure
Scotiabank Value® Visa* Card
Featured offer

Scotiabank Value® Visa* Card

0% intro BT*

A low-rate Visa card with a 0% introductory balance transfer rate, a 1% transfer fee, and 13.99% interest rates on purchases and cash advances.

Apply now Read the review
Scotia Momentum® Visa* Card
Comparison pick

Scotia Momentum® Visa* Card

0.99% intro BT*

A cash back card with an introductory 0.99% balance transfer offer and rewards on gas, groceries, drug stores, recurring bills, and food delivery.

Apply now Read the review

"The form was quick and clear. I knew what to expect before moving ahead."

★★★★★
Marc L. by customer
Rated 4.8 / 5 | 135 reviews Verified review

"I needed a practical option fast and did not want to fill out the same details over and over."

★★★★★
Sabrina K. by customer
Rated 4.8 / 5 | 135 reviews Verified review

"It felt simple: enter the basics, review the path, then decide."

★★★★★
Jonathan P. by customer
Rated 4.8 / 5 | 135 reviews Verified review

Good to know

Compare with more clarity.

The right details make the next step easier to choose.

Move eligible balances

A balance transfer card can move debt from one card to another provider, subject to approval.

Watch the promo period

Introductory rates can help, but the regular purchase or cash advance rate may apply later.

Check the full cost

Transfer fees, annual fees, minimum payments, and missed-payment rules matter.

FAQ

Frequently asked questions

A few useful answers before you continue.

What is a balance transfer credit card?

It is a card that may let you transfer existing credit card balances to a promotional interest rate for a limited time.

Can a transfer be declined?

Yes. Approval, transfer limits, and eligible balances are determined by the card provider.

What happens after the promotional period?

The regular interest rate usually applies to any remaining balance, so review the terms carefully.

Does FindMyRate provide Balance transfer directly?

No. FindMyRate.ca helps users compare options or start a guided next step. Availability, limits, rates, fees, and final terms are always determined by the provider.

Are Balance transfer options the same in every province?

Not always. Availability can vary by province, provider criteria, legal requirements, and the details submitted in the form or application.

What should I review before continuing?

Compare the total cost, fees, rates, terms, important dates, eligibility criteria, and possible tradeoffs before applying for or accepting any offer.

Is FindMyRate free to use?

Yes. FindMyRate.ca is free for users. We may receive referral compensation from partners, which helps keep the comparison experience available at no cost.

Does comparing options guarantee a better rate?

No. Comparing can help you understand available paths, but rates, savings, rewards, approval, and product availability are never guaranteed.