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Low interest balance transfer credit cards
In the current economy climate, it is almost inevitable to be caught off guard and unprepared when it comes to credit card debt.
Instead of serving high interest rate on your credit card balances, it is wise to transfer your balances to a low interest credit card and plan deligently to pay them off. This will help to ease your burden temporarily.
Credit card issuers normally offer you a very low interest balance transfer facility for a short period, ranging from a few months to a year. For a longer period offer, the interest rate is slightly higher than the former offers, but still way lower than a regular credit card.
In order to save more, you may want to choose a no balance transfer fee credit card if it's available.
It is best to pay the balances off during the offer period. And if you're unable to do so, it is always important to ensure the interest rate after the offer period is reasonable.
Focus on paying off the balances first before making any purchases on the card. This will help you to do away with the debt faster, so you can enjoy the financial freedom sooner.
Nonetheless, make sure you always pay on time to avoid penalty. To help paying your card balances faster, it is a good practice to make your best effort in paying more than the minimum required amount.
Safe and secure online application with SSL encryption technology.
Get the credit card balance transfer offers of your choice and stop paying high interest today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
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Platinum Plus® MasterCard® Credit Card - 0% for 15 months |  |
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Capital One® SmartLine™ Platinum MasterCard® | |
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Capital One® Gold MasterCard®: 11.9% Guaranteed for 3 Years | |
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Smart Cash MasterCard® Credit Card | |
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Shoppers MasterCard® Credit Card | |
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Pharmaprix MasterCard® Credit Card | |
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CAA Quebec MasterCard® | |
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The Platinum Plus MasterCard® - 0% for 15 months, issued by MBNA Canada, is available to Canadian residents and will provide you with fixed interest rates and common platinum cardholder services. There is no annual fee for the credit card program and you'll benefit from the 0% introductory AIR(Annual Interest Rate) for the first fifteen months on balance transfers and cheque cash advances within 120 days of your Account opening. You can also take advantage of the platinum benefits that come with the card. These include fraud protection, emergency card replacement, 24-hour customer service, online account access, and access to thousands of ABMs worldwide. If you don't qualify for the platinum card, you may be considered for the preferred card, which varies in terms of benefits and credit limits. 
Safe and secure online application with SSL encryption technology.Inactive credit balance: If your account is inactive and has a credit balance, we will charge you annually the lesser of: (1) the credit balance; or (2) $25 |
The SmartLine™ Platinum MasterCard® with a 5.99% Interest Rate, issued by Capital One Bank Canada, is a platinum card designed for Canadian residents with excellent credit who want to enjoy benefits and convenience of low interest credit card. Cardholders will enjoy 5.99% interest rate on purchases and balance transfers for three years, but you are required to pay your credit card bills on time to maintain the rate. Thereafter, a variable rate of Prime +3.75% applies. Another advantage with this card is there is no fee for the balance transfer. Platinum MasterCard benefits such as purchase assurance and extended warranty, car rental collision and damage waiver, travel accident insurance are included. Cardholders are protected with $0 fraud liability for unauthorized use. The card also comes with the convenient MasterCard PayPassTM feature, allowing you to Tap & Go for small purchases. This card has no annual fee and a low interest rate even after the three years term expired. If you would like enjoy low interest rate with miles rewards or cash back, you have the option to add these benefits onto the card with a $99 annual fee. If you spend at least $10,000 a year, the extra rewards fee could be a good option with the expected 1% return on purchases. In short, this could be the right card if you intent to carry balances on your card or make balance transfers. And if you do not plan to carry balances or transfer balances, a reward card could be a better choice for you. May I use the balance transfer service for U.S. accounts? Yes, you may transfer balances using the balance transfer service for both U.S. and Canadian accounts. However, all requests will be processed in Canadian dollars. For U.S. balances that you wish to transfer, please indicate the Canadian dollar amount you wish to have transferred.
Safe and secure online application with SSL encryption technology.SmartLine™ Platinum MasterCard® is a good match for you if: You've had open credit such as a credit card, loan or line of credit for more than ten years. You've had excellent credit for the last seven years (no bankruptcies and no defaults on credit as a result of failing to pay debts back to creditors). You have not opened a new credit card, loan or line of credit in the last nine months. You've made all your payments on your existing credit on time in the past six months. Your household income is more than $40,000 a year. |
The Platinum MasterCard® with a 11.9% Interest Rate, issued by Capital One Bank Canada, issued by Capital One Bank Canada, is a platinum card designed for Canadian residents with good credit who want to enjoy benefits and convenience of low interest credit card. Cardholders will enjoy 11.9% interest rate on purchases and balance transfers for three years, but you are required to pay your credit card bills on time to maintain the rate. Thereafter, a variable rate of Prime +9.9% applies. Another advantage with this card is there is no fee for the balance transfer. Platinum MasterCard benefits such as purchase assurance and extended warranty, car rental collision and damage waiver, travel accident insurance are included. Cardholders are protected with $0 fraud liability for unauthorized use. The card also comes with the convenient MasterCard PayPassTM feature, allowing you to Tap & Go for small purchases. This card has low, $19 annual fee and a low interest rate even after the three years term expired. If you would like enjoy low interest rate with miles rewards or cash back, you have the option to add these benefits onto the card with a $99 annual fee. If you spend at least $10,000 a year, the extra rewards fee could be a good option with the expected 1% return on purchases. In short, this could be the right card if you intent to carry balances on your card or make balance transfers. And if you do not plan to carry balances or transfer balances on your card, a reward card could be a better choice for you. May I use the balance transfer service for U.S. accounts? Yes, you may transfer balances using the balance transfer service for both U.S. and Canadian accounts. However, all requests will be processed in Canadian dollars. For U.S. balances that you wish to transfer, please indicate the Canadian dollar amount you wish to have transferred.
Safe and secure online application with SSL encryption technology.Capital One Platinum MasterCard® is a good match for you if: You've had open credit such as a credit card, loan or line of credit for more than six years. You've had good credit for the last seven years (no bankruptcies and no defaults on credit as a result of failing to pay debts back to creditors). You have not opened a new credit card, loan or line of credit in the last nine months. You've made all your payments on your existing credit on time in the past three months. |
The Shoppers MasterCard® Credit Card, issued by MBNA Canada, is a loyalty reward credit card designed especially for Canadian who make purchases at Shoppers Drug Mart® frequently. Cardholders will get 15,000 points after making first purchase with the card, which is equivalent to $25 in-store value. Under the reward program, you can earn 15 points when you shop at Shoppers Drug Mart®. An extra 10 points is rewarded when you show your Shoppers Optimum Card® with the purchase. As such, cardholders should use both, Shoppers Optimum® MasterCard® and Shoppers Optimum Card® together at Shoppers Drug Mart® in order to maximize the points earned. Aside from that, you'll also earn 5 points for purchases made everywhere else. The rewards start at 7,000 points for a $10 in-store value(15,000 points - $25; 30,000 points - $55; 40,000 points - $75; 75,000 points - $150). This card does not require an annual fee. There is a 1.99% introductory AIR on balance transfers and cheque cash advances for the first six months of establishing an account. Rates for purchases, balance transfers, and cash advances are fixed, so cardholders can look forward to stability when using this card. Cardholders can enjoy the additional benefits that come with the card. These benefits include fraud protection, online account management, and more. Canadian residents who want to make extra savings on home health care, beauty care and drug purchases at Shoppers Drug Mart® will find this card offer hard to resist and a good choice. Furthermore, there is no limit to the points you can earn. Every month end, the points earned will be transferred to your Shoppers Optimum Card account which can be tracked online
Safe and secure online application with SSL encryption technology.Inactive credit balance: If your account is inactive and has a credit balance, we will charge you annually the lesser of: (1) the credit balance; or (2) $25 |
The Pharmaprix MasterCard® Credit Card, issued by MBNA Canada, is a loyalty reward credit card designed especially for Canadian who make purchases at Pharmaprix frequently. Cardholders will get 15,000 points after making first purchase with the card, which is equivalent to $25 in-store value. Under the reward program, you can earn 15 points when you shop at Pharmaprix. An extra 10 points is rewarded when you show your Pharmaprix Optimum Card® with the purchase. As such, cardholders should use both, Pharmaprix Optimum® MasterCard® and Pharmaprix Optimum Card® together at Pharmaprix® in order to maximize the points earned. Aside from that, you'll also earn 5 points for purchases made everywhere else. The rewards start at 7,000 points for a $10 in-store value(15,000 points - $25; 30,000 points - $55; 40,000 points - $75; 75,000 points - $150). This card does not require an annual fee. There is a 1.99% introductory AIR on balance transfers and cheque cash advances for the first six months of establishing an account. Rates for purchases, balance transfers, and cash advances are fixed, so cardholders can look forward to stability when using this card. Cardholders can enjoy the additional benefits that come with the card. These benefits include fraud protection, online account management, and more. Canadian residents who want to make extra savings on home health care, beauty care and drug purchases at Pharmaprix® will find this card offer hard to resist and a good choice. Furthermore, there is no limit to the points you can earn. Every month end, the points earned will be transferred to your Pharmaprix Optimum Card account which can be tracked online.
Safe and secure online application with SSL encryption technology.Inactive credit balance: If your account is inactive and has a credit balance, we will charge you annually the lesser of: (1) the credit balance; or (2) $25 |
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All card applications are strictly confidential.
You are allowed to apply for more than one card.
Your application is safe and secure with SSL encryption technology.