Annual fee
$0 first year
Then $120 annually
Best 0% Balance Transfer Credit Cards in Canada
A 0% transfer is only useful with a clear payoff plan
Introductory balance transfer offers can reduce interest costs, but fees, promotional periods, regular rates, and repayment discipline matter. RateBuddy helps compare the details so you can make a more informed decision.
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Compare 0% Interest Offers
Use the filters to shape the card results below. Adjust your monthly spend, narrow by provider, or highlight no-fee and welcome-bonus options — RateBuddy will quietly refresh the list so the results stay connected to your choices.
Ready to refine
Annual fee
$120$0
First year waived
Purchase APR
21.99%
Cash advance
23.99%
BMO Bank of Montreal
Best for
Cash Back
Balance Transfer
Premium
Best for
Cash Back
Balance Transfer
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$320
Estimated rewards from spending
Based on $1,500 in monthly spending
$441
First-year annual fee
$120 first-year fee waiver applied
$120
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$761
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 5% | $270 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 3% | $54 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
23.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$80,000
Minimum household income
$150,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank
Best for
Cash Back
No Annual Fee
Balance Transfer
Best for
Cash Back
No Annual Fee
Balance Transfer
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$200
Estimated rewards from spending
Based on $1,500 in monthly spending
$153
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$353
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 0.5% | $27 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank
Best for
Cash Back
No Annual Fee
Balance Transfer
Best for
Cash Back
No Annual Fee
Balance Transfer
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$200
Estimated rewards from spending
Based on $1,500 in monthly spending
$153
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$353
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 0.5% | $27 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$0
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$100
Purchase APR
20.90%
Cash advance
21.90%
Desjardins Group
Best for
Cash Back
Travel Rewards
Balance Transfer
Best for
Cash Back
Travel Rewards
Balance Transfer
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$414
First-year annual fee
Fee charged during the first year
$100
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$314
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 4% | $216 |
| Dining | $300 | 3% | $108 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$100
Primary cardholder
Purchase APR
20.90%
Regular purchase rate
Cash advance APR
21.90%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$30
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$80,000
Minimum household income
$150,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
20.95%
Cash advance
22.95%
Tangerine Bank
Best for
Cash Back
No Annual Fee
Balance Transfer
Best for
Cash Back
No Annual Fee
Balance Transfer
Welcome-offer value
The expired $120 published estimate was excluded
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$265.50
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$265.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 0.5% | $4.50 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 0.5% | $27 |
Estimate notes
- The published welcome-offer estimate was excluded because its expiry date has passed.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
20.95%
Regular purchase rate
Cash advance APR
22.95%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$50,000
Minimum household income
$80,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
20.95%
Cash advance
22.95%
Tangerine Bank
Best for
Cash Back
No Annual Fee
Balance Transfer
Best for
Cash Back
No Annual Fee
Balance Transfer
Welcome-offer value
The expired $100 published estimate was excluded
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$265.50
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$265.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 0.5% | $4.50 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 0.5% | $27 |
Estimate notes
- The published welcome-offer estimate was excluded because its expiry date has passed.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
20.95%
Regular purchase rate
Cash advance APR
22.95%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$130
Purchase APR
20.90%
Cash advance
21.90%
Desjardins Group
Best for
Travel Rewards
Balance Transfer
Best for
Travel Rewards
Balance Transfer
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$369
First-year annual fee
Fee charged during the first year
$130
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$239
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 3% | $108 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$130
Primary cardholder
Purchase APR
20.90%
Regular purchase rate
Cash advance APR
21.90%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$40
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$80,000
Minimum household income
$150,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$295
Purchase APR
11.90%
Cash advance
12.90%
Desjardins Group
Best for
Travel Rewards
Low Interest
Balance Transfer
Best for
Travel Rewards
Low Interest
Balance Transfer
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$454.50
First-year annual fee
Fee charged during the first year
$295
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$159.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 4% | $144 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 3% | $27 |
| Recurring bills | $75 | 1.5% | $13.50 |
| Other purchases | $450 | 1.5% | $81 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$295
Primary cardholder
Purchase APR
11.90%
Regular purchase rate
Cash advance APR
12.90%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$95
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$150,000
Minimum household income
$200,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$110
Purchase APR
20.90%
Cash advance
21.90%
Desjardins Group
Best for
Travel Rewards
Rewards
Best for
Travel Rewards
Rewards
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$189.90
First-year annual fee
Fee charged during the first year
$110
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$79.90
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0.65% | $35.10 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 0.65% | $11.70 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 0.65% | $35.10 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$110
Primary cardholder
Purchase APR
20.90%
Regular purchase rate
Cash advance APR
21.90%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$30
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$29$0
First year waived
Purchase APR
13.99%
Cash advance
15.99%
BMO Bank of Montreal
Best for
Low Interest
Balance Transfer
Best for
Low Interest
Balance Transfer
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$29
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
$29 first-year fee waiver applied
$29
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$29
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $29 annually
Purchase APR
13.99%
Regular purchase rate
Cash advance APR
15.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Showing 10 of 13 cards
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Attack Your Principal Balance
High interest rates keep you trapped in a cycle of debt. These cards give you the strategic breathing room to pay off what you actually owe.
The Strategic "Interest Holiday"
A 0% balance transfer offer effectively pauses interest charges for a promotional period, often ranging from 6 to 12 months. This ensures that every single dollar you pay goes directly toward reducing your principal debt, rather than vanishing into interest payments. It stops the bleeding and allows your payments to actually make a dent. For anyone carrying a balance, this is one of the most powerful tools available to regain financial control.
Mathematical Savings
Even with a typical 1-3% balance transfer fee, the math is overwhelmingly in your favor. Moving high-interest debt (often 20%+) to a 0% or low-rate environment can save you hundreds or even thousands of dollars in interest charges over the course of a year. It converts "dead money" (interest) into debt reduction. Use our Balance Transfer Calculator to see exactly how much you could save based on your specific numbers.
Faster Path to Freedom
By drastically lowering your interest rate, you lower the "cost of carrying" your debt. This accelerates your payoff timeline, helping you become debt-free months or even years sooner than expected. It simplifies your finances by consolidating multiple high-interest debts into one single, manageable monthly payment. This psychological and financial relief can be the catalyst you need to eliminate credit card debt for good.
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Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
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KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare 0% Interest Offers Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
Some loyalty programs (like Aeroplan or Scene+) allow for points pooling or transfers between family members, sometimes for free and sometimes for a fee. Check the specific terms and conditions of your loyalty program to see if transfers are permitted.
An authorized user is someone you add to your account (like a spouse or child) who gets their own card. The primary cardholder is fully responsible for all debt incurred by the authorized user. It can be a way to help someone build credit habits, but legal liability remains with the primary account holder.
Yes, many major banks offer specific programs for newcomers that do not require a Canadian credit history. You may need to visit a branch in person and provide immigration documents (such as a Permanent Resident card or Work Permit) to be approved.
While you can, it is generally not recommended if you are carrying a transferred balance. Payments are typically applied to the balance with the lowest interest rate first (or proportionally), meaning your new purchases might accrue interest immediately at the standard rate. Check the card's allocation of payments policy.
A balance transfer involves moving debt from one credit card to another, often to take advantage of a lower interest rate. Promotional offers may provide a low rate (e.g., 0%) for a set period (e.g., 6-10 months). Be aware that a transfer fee (often 1-3% of the amount) usually applies, and the standard interest rate will apply to any remaining balance after the promo period ends.
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