Credit Cards

Latest Balance Transfer Promos

  • Last Updated:
  • Dec 5th, 2020 12:00 am
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[OP]
Deal Addict
Feb 6, 2018
1279 posts
1028 upvotes

Latest Balance Transfer Promos

Current list of available balance transfer offers for credit cards, and low interest rates for line of credit packaged as a credit card

Amex

SimplyCash (No AF)
Air Miles (No AF)
Essential (No AF)
Air Miles Platinum (AF $65)
SimplyCash Preferred (AF $99)
Air Miles Reserve(AF $299)
1.99% interest
6 months
No BT fee
Max 50% credit limit / $7,500, whichever is less


BMO

Air Miles Mastercard
Cashback Mastercard
Rewards Mastercard
1.99% interest
9 months
1% fee
No AF

Preferred Rate Mastercard
3.99% interest
9 months
1% fee
AF $20


CIBC

bizline Visa
Prime + 1.5% to 13.0%
No AF


MBNA
RFD thread: MBNA BT Promo's

True Line Platinum/Gold
No-AF: 2.99% interest/6 months; $39 AF: 1.99%/10 months
1% fee, minimum $7.50

On occasion, possible to get the 0%/10 months via affiliate link on the TrueLine card.


National Bank

Echo Cashback Mastercard (AF $30)
MC1 Mastercard (No AF)
Allure Mastercard (No AF)
mycredit Mastercard (No AF)
World Mastercard (AF $115)
Platinum Mastercard Business Card (FYF, AF $125)
World Elite Mastercard (FYF, AF $150)
3.9% interest
6 months
1% fee


PC Financial

PC Financial Mastercard
PC Financial World Mastercard
PC Financial World Elite Mastercard
0.97% interest
6 months
1% fee
No AF
$100 gift card


RBC

Cashback Mastercard (No AF)
1.9% interest
10 months
No BT fee

Visa Platinum
5.9% interest
30 months
No BT fee
No AF

Visa CreditLine
Prime + 0.9% to 6.9%
No AF


Scotiabank

Value No-Fee Visa
3.99% interest
6 months
No BT fee
No AF
Expires 02/28/19

Value Visa
0.99% interest
6 months
No BT fee
AF $39
Expires 02/28/19

Momentum Visa
2.99% interest
6 months
No BT fee
AF $39
Expires 02/28/19

Momentum Visa Business (AF $49)
0.99% interest
6 months
No BT fee
Expires 03/31/19

Scotialine Business
Prime + 2.49% to 5.49%
No AF


Tangerine
Tangerine Mastetcard
No-AF, 1.95%/6 months, 3% BT fee.



Updates:
06/08 - increased Tangerine BT fee from 1% to 3%

07/08 - removed CIBC Dividend Visa

02/16 - removed CIBC Platinum, Classic, Select, RBC Avion
Last edited by terracotta92 on Feb 16th, 2020 8:56 am, edited 12 times in total.
Thread Summary
CTFS periodic BT offers: 0%/3-6 months, 1.5-2% BT fee
872 replies
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Aug 24, 2016
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The Prairies
There’s also the CIBC Dividend VISA.
0% for 10 months.
1% fee.

https://www.cibc.com/en/personal-bankin ... -card.html

Huge drawback is, you are limited to 50% of your assigned limit.
This card would rock for BT if there weren’t this limit.
Amex does the same thing with their cards’ BT promos.

BMO Mastercard’s also have a promo.
1.99% for 9 months, 1% fee

https://www.bmo.com/main/personal/credi ... lsrc=aw.ds
Last edited by coolintheshade on Nov 30th, 2018 2:34 pm, edited 2 times in total.
Deal Guru
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May 8, 2009
13711 posts
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Leask
OP why not just link my MBNA BT thread so I can update it there? I'm cool to update MBNA, just can't keep up with all FI's with BT offers.

If you wanna add all the cards, afaik even Tang has an intro BT offer (although cold).

I think one of the better BT cards now for gaming is BNS Value VISA with $29 AF. $0 BT fee, 0.99% / 6 months. GCR money, too.
No solicitation in sigs
Deal Fanatic
Feb 15, 2006
8717 posts
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Toronto
coolintheshade wrote: There’s also the CIBC Dividend VISA.
0% for 10 months.
1% fee.

https://www.cibc.com/en/personal-bankin ... -card.html

Huge drawback is, you are limited to 50% of your assigned limit.
This card would rock for BT if there weren’t this limit.
I'm not limited to 50% of the limit. I get to BT 100% of my limit. My wife is limited to 50% though.
Deal Fanatic
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Aug 24, 2016
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The Prairies
Arrgh wrote: I'm not limited to 50% of the limit. I get to BT 100% of my limit. My wife is limited to 50% though.
For which card?
And the 50% of limit I’m referring to is what you can transfer at the time of a new application, not an existing open credit card.
Both CIBC and Amex have this little annoying caveat.
Deal Fanatic
Feb 15, 2006
8717 posts
3173 upvotes
Toronto
coolintheshade wrote: For which card?
And the 50% of limit I’m referring to is what you can transfer at the time of a new application, not an existing open credit card.
Both CIBC and Amex have this little annoying caveat.
CIBC Dividend card.
Deal Guru
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May 8, 2009
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Leask
Arrgh wrote: CIBC Dividend card.
And Select visa (although $29 AF).
No solicitation in sigs
Deal Addict
Jul 15, 2009
2008 posts
1135 upvotes
Amex Simplycash, 1.99%, 6 months, no BT fee, no AF

PC Financial, 0.99%, 6 months, no BT fee, no AF
Deal Addict
Nov 8, 2017
1443 posts
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I've had recurring offers every 2 months of for years from RBC no fee gold card. The latest offer is 1.99% for 10 months, 1% fee.
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2008 posts
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User455957 wrote: I've had recurring offers every 2 months of for years from RBC no fee gold card. The latest offer is 1.99% for 10 months, 1% fee.
Where do you see the offers? I used to get lots of offers from RBC but haven't seen one for two years or so, since they redesigned their online banking. Are they hiding in there somewhere?
Deal Addict
Nov 8, 2017
1443 posts
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bubak wrote: Where do you see the offers? I used to get lots of offers from RBC but haven't seen one for two years or so, since they redesigned their online banking. Are they hiding in there somewhere?
@ the top of the right page, where's it's been forever. This is only banking, as opposed to using and app or "mobile" banking
Last edited by titaniumtux on Nov 30th, 2018 10:41 pm, edited 1 time in total.
Member
Nov 24, 2015
338 posts
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Toronto, ON
bubak wrote: Where do you see the offers? I used to get lots of offers from RBC but haven't seen one for two years or so, since they redesigned their online banking. Are they hiding in there somewhere?
RBC used to have these offers in the messages/alerts section. Now I see them on the right side of the screen. It's called "balance transfer". When you click it, it gives you the details of the offer that's available on your account, including the rate and transfer fee etc.

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