Best Balance Transfer Credit Cards in Canada - September 2026 | Sparks and Bloom

Balance Transfer

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BMO Preferred Rate Mastercard

BMO Preferred Rate Mastercard®*

BMO First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $29
Our valuationMilesopedia 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.: $29
Welcome offer$29 annual fee rebated: First Year Annual Fee Rebate

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 Select Visa* Card

CIBC First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $29
Our valuationMilesopedia 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.: $29
Welcome offer$29 annual fee rebated: Two-Year Annual Fee Rebate

Features
Issuer: CIBC
Network
Loyalty Program: —

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

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Scotiabank Value Visa Card

Scotiabank Value® Visa* Card

Scotia First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $29
Our valuationMilesopedia 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.: $29
Welcome offer$29 annual fee rebated: First Year Annual Fee Rebate; 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 - Non Quebec Residents

MBNA True Line® Mastercard® credit card

Annual fee: $0
Welcome offerFor 12 months: 0% on balance transfers

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® Money-Back World Mastercard®*

Tangerine Cash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$120Total$120Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $120
Welcome offerAfter $1,500 in 3 months: $120 cash back; Ends Nov 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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