{"id":90612,"date":"2026-04-01T00:01:00","date_gmt":"2026-04-01T04:01:00","guid":{"rendered":"https:\/\/milesopedia.com\/best-credit-cards-in-canada\/transfer\/"},"modified":"2026-04-01T14:35:13","modified_gmt":"2026-04-01T18:35:13","slug":"transfer","status":"publish","type":"page","link":"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/transfer\/","title":{"rendered":"The best balance transfer credit cards \u2013 April 2026"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]<\/p>\n

These credit cards have a low-interest rate<\/strong> for purchases or balance transfers.<\/p>\n

Check out this post on balance transfer<\/a>, to learn more about this technique.[\/vc_column_text][vc_custom_heading text=”Best Balance Transfer Credit Card Offers” el_id=”best_balance_transfer_credit_card_offers”][vc_column_text css=””]<\/p>\n

Here is a table summarizing the different promotional offers for balance transfers or cash advances:<\/p>\n\n\n\n\n\n\n\n\n\n\n
Credit Card<\/td>\nInstitution<\/td>\nOffer<\/td>\nTransfer Fee<\/td>\nAnnual Fee<\/td>\n<\/tr>\n<\/thead>\n
®<\/sup> World Elite®<\/sup>* Mastercard®<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-cashback-world-elite-mastercard\/\" rel=\"noindex\">BMO CashBack®<\/sup> World Elite®<\/sup>* Mastercard®<\/sup>*<\/a><\/span>
<\/span><\/td>\n		BMO<\/a><\/span><\/td>\n0% for 12 months on balance transfers<\/span><\/a><\/td>\n2%<\/span><\/td>\n$150 ($0 for the first year)<\/span><\/td>\n<\/tr>\n
®<\/sup>* Mastercard®<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend World Elite Mastercard<\/a>
\n<\/span><\/td>\n		BMO<\/span><\/a><\/td>\n0% for 12 months on balance transfers <\/span><\/a><\/td>\n2%<\/span><\/td>\n

<\/p>\n

$150 ($0 for the first year)<\/span><\/td>\n<\/tr>\n
CIBC Select Visa* Card<\/span><\/a><\/td>\nCIBC<\/span><\/a><\/td>\n0% for 10 months on balance transfers<\/span><\/a><\/td>\n1%<\/span><\/td>\n$29 ($0 for the first two years)<\/span><\/td>\n<\/tr>\n
MBNA True LineMD<\/sup> MastercardMD<\/sup> Credit Card (Outside Quebec)<\/a>
<\/span><\/td>\n		MBNA<\/span><\/a><\/td>\n0% for 12 months on balance transfers<\/span><\/a><\/td>\n3%<\/span><\/td>\n$0<\/span><\/td>\n<\/tr>\n
BMO Preferred Rate Mastercard<\/a><\/span><\/td>\nBMO<\/span><\/a><\/td>\n®<\/sup> Preferred Rate Mastercard®<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-preferred-rate-mastercard\/\" rel=\"noindex\">0.99% for 9 months on balance transfers<\/span><\/a><\/td>\n2%<\/span><\/td>\n$29 ($0 for the first year)<\/span><\/td>\n<\/tr>\n
Scotia Value Visa Card<\/a><\/span><\/td>\nScotia<\/span><\/a><\/td>\n®<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-value-visa-card\/\" rel=\"noindex\">0% for 10 months on cash advances<\/span><\/a><\/td>\n1%<\/span><\/td>\n$29 ($0 for the first year)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

For more details, read on or click on the name of a card.<\/p>\n

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<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=”cashback”][vc_column][vc_custom_heading text=”Best BMO balance transfer credit cards” css=”” el_id=”best_bmo_balance_transfer_credit_cards”][vc_custom_heading text=”BMO CashBack®<\/sup> World Elite®<\/sup>* Mastercard®<\/sup>*” font_container=”tag:h3|text_align:left” el_id=”bmo_cashback_world_elite_mastercard_”]

BMO CashBack\u00ae World Elite\u00ae* Mastercard\u00ae* is one of Canada’s best cash back Mastercard credit cards<\/strong>.<\/p>\n

Currently, for a limited time, you could receive up to $480 in cash back in the first year<\/strong>. In fact, you will receive $40 in cash back for each monthly period in which you make $2,000 in purchases on your card. <\/p>\n

Plus, there is no annual fee<\/strong> for the first year!<\/p>\n

Additionally, you benefit from a 0% introductory interest rate on balance transfers<\/strong> for 12 months, as well as a 2% balance transfer fee.<\/p>\n

With BMO CashBack\u00ae World Elite\u00ae* Mastercard\u00ae*, you get between 2% and 5% cash back<\/strong> on many categories of purchases:<\/p>\n