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• American Express
• BMO Bank Of Montreal
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• TD Canada Trust
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• Walmart Canada Bank
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• HBC
• Iridium MasterCard
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• Balance Transfer Credit Cards
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A balance transfer is an option offered by many credit card issuers which enables the card holder to use their available credit from one card to pay off the balances due on other cards. Usually the interest rate on the amount borrowed is lower than the rate of the cards that are being paid off. Balance transfers are really nothing more than a consumer loan made to a customer who is already pre-qualified by the lender because of the credit card relationship that exists. Since the card issuer is already open to exposure for the maximum amount of the card holder’s credit line anyway, it makes financial sense for the card issuer to entice the cardholder to run their balance up as high as possible. A balance transfer offer is the perfect way to entice the card holder. Most balance transfer offers will come with an artificially low introductory interest rate, such as 1% or 0%, for a fixed period of time. After that time period the interest rate will rise to whatever was permitted by the terms of the offer.

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Smart Cash MasterCard® credit card	Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡ Up to 2% cash back on eligible gas and grocery purchases thereafter‡ And, up to 1% cash back on all of your other eligible purchases‡ 1.99% annual interest rate† (AIR) on balance transfers*, access cheques and deposits* for the first 10 full months Enjoy free online access to your credit card account And, with no annual fee and free additional cards youll start to see the benefits right away. Rewarding yourself is easy. Once your cash back totals at least $50 at the end of a monthly billing cycle, we'll automatically mail you a cheque‡ - it's that simple.
	Annual Fee: $0	Interest Rate: *19.99%	Type: Cash Back

	MBNA Platinum Plus MasterCard	MBNA	Introductory Rate - 0%	17.99%	$0
	MBNA Shoppers Optimum MasterCard® Credit Card	MBNA	Introductory Rate - 1.99%	19.99%	$0
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