Canada’s best balance transfer credit cards 2021 + MORE Dec 31st

Dow Jones Edges Lower as Apple Stock Sinks on China Gaming App Crackdown, Disney Stock Rises on Streaming Price Hike  Motley Fool

Are you working on a plan to become debt-free but are paying a lot of interest on purchases made on your existing high interest card? A balance-transfer credit card, which allows you to move the balance from your current cards over to a new card with a lower interest rate (some as low as 0%) can be a good strategy. Just keep in mind that these great balance transfer offers are time limited and when that period ends—often after only six months—the rates go back up. (Note: The regular rate on some of these cards is still significantly lower than the standard 19.99%.)
The best balance transfer credit cards in Canada 2021

Card
Balance transfer rate
Annual fee

Scotiabank Value Visa
(get more details)

0.99% for 6 months
12.99% afterwards

$29

BMO Preferred Rate
(get more details)*

3.99% for 9 months (+1% transfer fee)
12.99% afterwards

$20 (waived 1st year)

PC Financial World Elite
(get more details)*

0.97% for 6 months
 22.97% afterwards

$0

BMO Air Miles Mastercard
(get more details)*

1…

The robos have invaded. What was once a little-known investing tool for tech-savvy investors is now so commonplace, everyone from newbie savers to retired boomers using robo advisors to help manage their money.  
While advisors and traditional fund companies still manage the majority of money in Canada, with people paying more attention to fees and with interest in exchange-traded funds (ETFs) increasing, robo advisors will only see their assets under management continue to rise. According to the research aggregator Statista, Canadian robos will hold an estimated US$8.1 billion in assets under management in 2020, which, it predicts, will rise to US$16.6 billion by 2023, for a 26.7% compound annual growth rate.
As time goes on, these companies are also getting more sophisticated in their offerings. Some robos now offer chequing accounts, others let you pick stocks or buy insurance or offer real-life financial advice. You can invest in all kinds of accounts too, including tax-free savings accounts (TFSAs), registered retirement savings plans (RRSPs), registered retirement income fund (RRIFs), registered education savings plans (RESPs) and others…

How to use this tool: You can simply scan the table below to view GIC interest rates offered by financial institutions across Canada. Click on one of the tabs at the top of the table to focus on your choice of non-registered, registered, TFSA-eligible or U.S.-dollar GICs.
Or, follow the prompts in the six fields at the top of the finder tool to input the amount you wish to invest in a GIC and your preferred investment term, along with other details, and the calculator will automatically display what your total return would be from each of the financial institutions listed. This allows you to compare the options side-by-side and decide which is the best for your money.
These are current rates offered by Ratehub partners. You can find information about additional product options below.

The best GIC rates in Canada 2020
Have you ever felt like your money could be working harder for you—if only you weren’t afraid of the risk? To boost your return while still keeping your principal safe, you might want to consider a guaranteed investment certificate (GIC)…