Best Balance Transfer Credit Cards in Canada - September 2026

Balance Transfer

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BMO Preferred Rate Mastercard®*

BMO First-Year Annual Fee Rebate

Annual fee: $0 $29No annual fee the first year; No annual fee the first year
Our valuation: $29Milesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: First Year Annual Fee Rebate; $29 annual fee rebated

Features
Issuer: BMO
Network
Loyalty Program: —

Fees and terms
Annual Fee: $29/yr
Min. annual income: —

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CIBC Select Visa* Card

CIBC First-Year Annual Fee Rebate

Annual fee: $0 $29No annual fee the first year; No annual fee the first year
Our valuation: $29Milesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: First Year Annual Fee Rebate; $29 annual fee rebated

Features
Issuer: CIBC
Network
Loyalty Program: —

Fees and terms
Annual Fee: $29/yr
Min. annual income: —

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Scotiabank Value® Visa* Card

Scotia First-Year Annual Fee Rebate

Annual fee: $0 $29No annual fee the first year; No annual fee the first year
Our valuation: $29Milesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: First Year Annual Fee Rebate; $29 annual fee rebated; Ends Jan 3, 2027

Features
Issuer: Scotia
Network
Loyalty Program: —

Fees and terms
Annual Fee: $29/yr
Min. annual income: $12,000+

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MBNA True Line® Mastercard® credit card

MBNA

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: MBNA
Network
Loyalty Program: —

Fees and terms
Annual Fee: $0
Min. annual income: —

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Tangerine® Money-Back World Mastercard®*

Tangerine Cash Back

Annual fee: $0
Our valuation: $100Milesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $100 cash back; Ends Sep 30, 2026

Features
Issuer: Tangerine
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: $50,000+

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Rewards: Rate
Groceries: 2x
Gas & EV: 2x

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