{"id":304419,"date":"2026-04-01T00:03:00","date_gmt":"2026-04-01T04:03:00","guid":{"rendered":"https:\/\/milesopedia.com\/offers\/balance-transfer\/"},"modified":"2026-04-01T14:40:35","modified_gmt":"2026-04-01T18:40:35","slug":"balance-transfer","status":"publish","type":"page","link":"https:\/\/milesopedia.com\/en\/offers\/balance-transfer\/","title":{"rendered":"Top 4 \u2013 Best credit cards for balance transfers \u2013 April 2026"},"content":{"rendered":"

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Here are our 4 best credit card offers for balance transfers<\/strong>:<\/p>\n

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The BMO Preferred Rate Mastercard is a Bank of Montreal credit card that offers a 0.99% introductory interest rate<\/strong> on Balance Transfers for 9 months.<\/p>\n

There is no minimum income requirement<\/strong> for this BMO credit card.<\/p>\n

You can use this low-interest credit card at Costco because it is a Mastercard credit card.<\/p>\n

Finally, you\u2019ll receive insurance on purchases charged to your BMO Preferred Rate Mastercard.<\/p>\n

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The CIBC Select Visa Card* is one of the best Visa credit cards in Canada for balance transfers.<\/p>\n

With this exclusive digital offer for this CIBC balance transfer credit card<\/strong>, you get:<\/p>\n

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  • a 0% interest rate on balance transfers of at least $100, for up to 10 months<\/li>\n
  • a refund of the annual fee<\/strong> for two years\u2020<\/sup><\/li>\n<\/ul>\n

    You only pay a 1% balance transfer fee<\/strong> when transferring a balance from another credit card<\/strong> (balance transfer fees do not apply to Quebec residents). Once the promotional period ends, the card\u2019s standard interest rate of 13.99% applies to any remaining balance. This interest rate is lower than those charged by many other credit cards. <\/p>\n

    For example, you could make large purchases on another credit card (such as renovations or furniture and appliance purchases) and then transfer the balance<\/strong> to the CIBC Select Visa Card<\/strong> to benefit from its 0% interest rate on balance transfers for 10 months.<\/p>\n

    CIBC Select Visa Card* cardholders can also save on gas through the card\u2019s partnership with Journie Rewards, which allows them to save up to 10 cents per litre at participating gas stations.<\/p>\n

    The CIBC Select Visa Card* has a $29 annual fee<\/strong> (refunded for the first two years) and requires a minimum household income of $15,000 to qualify. With CIBC mobile banking<\/strong> and online banking services<\/strong>, you can easily track your credit limit and balance transfers from your phone or by signing in online<\/strong>. <\/p>\n

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    Scotia Value Visa Card is one of the best credit cards for cash advances<\/strong> (including balance transfers) in Canada.<\/p>\n

    You can get an introductory interest rate of 0.99%<\/span> on cash advances<\/strong> for the first nine months (including balance transfers, with a 2%<\/span> transfer fee). You pay no annual fee for the first year<\/strong> with this Visa credit card. <\/p>\n

    What’s more, this Visa credit card offers a low interest rate: 13.99%<\/span> on purchases, balance transfers and cash advances.<\/p>\n

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    The MBNA True Line\u00ae Mastercard\u00ae credit card is one of Canada’s best options for a low-cost balance transfer. It’s ideal for reducing interest charges and consolidating your debts onto one card. <\/p>\n

    With this card, you benefit from a 0% interest rate for 12 months on balance transfers<\/strong> made within 90 days of account opening. Transfer fees are a competitive 3%. <\/p>\n

    This card offers fraud protection, guaranteeing the security of your transactions.<\/p>\n

    If you want to transfer balances from high-rate cards, the MBNA True Line\u00ae Mastercard\u00ae credit card allows you to benefit from a 0% rate and pay off your debts at your own pace without high-interest charges during the promotional period.<\/p>\n

    In short, the MBNA True Line\u00ae Mastercard\u00ae credit card is an excellent choice for reducing debt and optimizing balance transfers.<\/p>\n

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    [vc_row][vc_column][vc_column_text css=””] Here are our 4 best credit card offers for balance transfers: [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=”BMO® Preferred Rate Mastercard®*” css=”” el_id=”bmo_preferred_rate_mastercard_”][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=”CIBC Select Visa* Card” css=”” el_id=”cibc_select_visa_card”][\/vc_column][\/vc_row][vc_row el_id=”transfer”][vc_column][vc_custom_heading text=”Scotiabank Value® Visa* Card” css=”” el_id=”scotiabank_value_visa_card”][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=”MBNA True Line® Mastercard®” font_container=”tag:h3|text_align:left” el_id=”mbna_true_line_mastercard_”][\/vc_column][\/vc_row]<\/p>","protected":false},"author":3,"featured_media":0,"parent":304409,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-ads.php","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"Yoast SEO Relevanssi index exclude","footnotes":""},"tags":[],"mc_loyalty_program":[],"class_list":["post-304419","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nTop 4 \u2013 Best credit cards for balance transfers \u2013 April 2026 | Milesopedia<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta 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