Calculateur
Calculateur de transfert de solde
Comparez les intérêts et les frais d’un transfert à taux promotionnel et le paiement nécessaire pour rembourser pendant la période visée.
Saves you over 12 months
604 $
- Frais de transfert
- 150,00 $
- Solde à la fin de la promotion
- 1 585 $
- Pour rembourser à temps
- 431,48 $ par mois
- Solde sans transfert
- 2 189 $
Paying $300 a month until it’s gone: transfer clears in 1 an 6 mois with $91 interest ou 1 an 8 mois and $963 interest staying put.
$1,585 would still be owing when the promo ends and starts charging 12.99%.
Low-rate cards to consider
Balance-transfer promotions change often, so check each issuer’s current offer. These cards also keep a low regular rate after any promo ends.
- Scotiabank Platinum American ExpressBanque Scotia9.99% APRFrais annuels de 399 $
- Desjardins Flexi VisaDesjardins10.9% APRSans frais annuels
- MBNA True Line Gold MastercardMBNA10.99% APRFrais annuels de 39 $
- Desjardins Odyssey Visa Infinite PrivilegeDesjardins11.9% APRFrais annuels de 395 $
Questions fréquentes
How does a balance transfer work?
You move debt from a high-interest card to a new card offering a low promotional rate (often 0%–3.99%) for 6–12 months. Most charge a one-time transfer fee, commonly 1%–3% of the amount moved, added to the new balance.
Is a balance transfer worth it?
It’s worth it when the interest you avoid is larger than the transfer fee, and you can pay down most of the balance before the promo ends. This calculator shows both numbers side by side.
What happens when the promotional rate ends?
Any remaining balance starts charging the card’s regular rate, which can be 12.99% on low-rate cards or 20%+ on others. Aim to clear the balance before then; the calculator shows the monthly payment that would.
Do new purchases on the transfer card get the promo rate?
Usually not. Purchases typically get the regular purchase rate, and payments may apply to the low-rate balance first. Avoid using the transfer card for spending.
Les estimations utilisent une approximation mensuelle : intérêts du mois = solde × taux annuel ÷ 12. Les relevés réels utilisent les soldes quotidiens, les délais de grâce et les règles de paiement de l’émetteur; les résultats peuvent donc différer. WalletReturn est indépendant. Vérifiez les conditions actuelles auprès de l’émetteur.