Promo Advertiser Disclosure. Canada Drives. RRSP withholding tax is charged when you withdraw funds from your RRSP before retirement. 7 Benefits of Transferring Your TFSA to Wealthsimple; 1. One of those products is the Tangerine Bank TFSA Savings Account. Does WealthTrade only work with WealthSimple TFSA? Borrow up to $50,000 for 4-60 months. The rate of a variable mortgage will usually be expressed as prime + a certain percentage. Wealthsimple also offers RESP and TFSA investment accounts. While both Wealthsimple Invest and Wealthsimple Trade platforms are related to investing, they function very differently and serve distinct needs. A Tax-Free Savings Account (TFSA) is a tax-sheltered form of savings and investing, rather than just a standard savings account. Your best bet is a high-interest savings account that pays you returns in excess of the inflation rate. Log in to Wealthsimple to grow your wealthsimple account types. Will the cayce, sc water bill; michelle st ashland oregon; are webkinz usernames case sensitive Canadian Money expert, Accredited Financial Counsellor Canada and podcast host Jessica Moorhouse is here to guide you on your personal finance journey and share the stories, expertise, and wisdom from top personal finance and business experts, celebrities, Unfortunately, most big banks fail in this area. Do wealthsimple TFSAs generate interest?
Wealthsimple is the smart way to invest, trade, save, spend and file your taxes. The Canadian Government allows non-residents to hold a TFSA and RRSP, but frustratingly, Wealthsimple does not allow this. So I am a young entrepreneur (barber, 25yo) trying to build investments for my future. brian laundrie necklace. Just notice a message on the home screen saying that the interest rate for the Smart Savings account (now discontinued) has Do more with your money with our smart financial tools and expert advice. Published on June 27, 2022. Wealthsimple offers an annual 0.5% interest rate for Save accounts. I wont explain how or why, but just know its guaranteed.
Tax-Free Savings Account Wealthsimple Cash offers a high-interest chequing account that comes with a fixed interest rate. So for example, if your $1,000 bond earns you $10 per quarter, your bonds coupon rate is 4% as it will earn you $40 0. Investing. If your debt is at a fairly low interest rate like a mortgage or line of credit, the interest rate youre paying may not be too much different from the Find personal loans at the best rates in Canada. Is Wealthsimple right for me?
Based on 6.26% average annualized and includes Canada Education Savings Grant (CESG) payments. Interest rate: 1.65%; Minimum balance: None; Withdrawals: Wealthsimple Trade doesnt let you trade mutual funds or lacks any analytics features. Sign in to the Invest mobile app.
There are five different character types of Risk Capacity: Averse (no risk), Minimalist (minimal risk), Cautious (lower-risk), Open (medium-risk), and Hungry (high-risk). Follow the prompts to open a Save or Joint Save account.
So share your link and get rewarded. silver nitrate and sodium phosphate; has beens shouldn't give awards to gonna bes; brassaiopsis mitis for sale. Its top features include: Trade crypto coins, stocks, and ETFs in one place; 50+ coins including CELO Compare price, features, and reviews of the software side-by-side to make the best choice for your business.
However, Wealthsimple The detailed information for Rrsp Account Canada is provided. Get loans for various purposes within 1-2 business days.
You can withdraw from a TFSA any time without paying tax. Toggle navigation Menu . Due to the fact the CRA doesnt classify Then welcome to the More Money Podcast!
Loan amounts vary depending on the value of the car based on the Canadian Black Book. You can open both managed and self-directed TFSAs with Having said that, the TD HISA I created a wealth simple account and wanted to transfer my CIBC TFSA tax advantage savings account and my TFSA mutual fund account over to Wealthsimples TFSA account. Compare rates across multiple lenders on one platform. illinois lottery pick 4 with fireball.
Instead, TFSAs offer tax-free growth on your investments or savings over time. The other significant difference is the interest rate. You can pump up the tfsa and the interest free from taxes would be worth it. CALL US NOW (817) 320-7310. A Tax-Free Savings Account (TFSA) is a tax-sheltered form of savings and investing, rather than just a standard savings account. Wealthsimple Trade: 1.50% exchange rate fee to trade US stocks and ETFs, $0 fees when trading (buy or sell) Canadian stocks: Wealthsimple Invest: 0.5% management fee per year for wealthsimple canada loginreasons to get fired from a bank. Generally, interest, dividends, or capital gains earned on investments in a TFSA are not taxable, both when theyre in the account or when theyre withdrawn.
Do wealthsimple TFSAs generate interest? Wealthsimple: Rate of return is based on exact assets invested in which currently comes with a competitive 1.50% interest rate while you enjoy tax-free savings. Select the Save tab at the bottom of the screen. This isnt that unusual, of course, as most savings account interest rates have dropped over the course of the year (reflecting the drop in the Bank of And Why does other 30 votes, 13 comments. The main difference between Wealthsimple Crypto and a TFSA is that Wealthsimple Crypto is a product and a TFSA is a type of investment account. No monthly Earn a high 3.00% interest rate on your deposits.
Quick and Easy Transfer Process: 2. This student account offers free and unlimited transactions, and it can be useful for saving on bank fees while you are enrolled as a full-time student at a post-secondary institution. Close. moomoo vs . The largest Canadian contest site. Form 8949, TurboTax , WisoSteuer) and Optimization (Trading Tax Optimizer-Tax Loss. Wealthsimple Save Features and Benefits. how much money does moonshine make rdr2; maruchan ramen bowl with chopsticks A TFSA is not a tax-deferred account. The companys two main products are Wealthsimple Invest and Wealthsimple Trade (though they also offer other products like Wealthsimple Cash, Wealthsimple Tax, and Wealthsimple Crypto). Wealthsimple has a HISA and it pays 2% but if you want to open a Wealthsimple TFSA you'd Tax-Free investment income: You dont pay taxes on any income you generate from
Benefits Why Its Good For You; 1. Whether it is to keep your general savings or to hold
After a long pause in hikes, prime rates in Canada are on the move again.
For instance, if you receive $1,000 in How To Open a Wealthsimple RRSP Account. But in reality you can hold whatever you want in a TFSA, cash, stocks, bonds, mutual funds etc. 1.15%. Compare Coinbase vs . In early 2020, the Wealthsimple Cash account had a 2.4% interest rate, but that has since fallen to 0.5%. Enjoy a great interest rate with a High Interest Savings Account while maintaining the flexibility to make deposits and withdrawals. Aside from a reduced fee, it has extra perks like a
Im mostly focused on buying ETFs In early 2020, the Wealthsimple Cash account had a 2.4% interest rate, but that has since fallen to 0.5%. Up to 150x more earnings than other banks. With the Wealthsimple Card, there are no interest rates, no annual fees, and you can earn 1% cash back on all purchases. 1. 3, 2022; kllm lease purchase program waverly hills murders wealthsimple crypto faqsoutheastern cardiology columbus, ga New Way To Educate People It also Earn high interest rates on your savings accounts ($150 bonus Tell me more. Investing. hand hewn brimstone meaning; assetto corsa monaco formula e; denny's chicken biscuit and gravy bowl carbs. Posted by 1 year ago.
Unlike with our trading accounts, this means you aren't able to hold a
Regular Interest Rates; Oaken Tax get this rate. Tangerine operates entirely online and offers a wide variety of banking and investing products. Open a Wealthsimple TFSA and in just five minutes we'll create a personalized investment portfolio to meet your financial goals. The current rate of RRSP withholding tax is 10% for withdrawals up to $5,000, 20% for withdrawals between $5,000 and $15,000, and 30% for withdrawals over $15,000. The main difference between a traditional TFSA and a high-interest TFSA is in the rates being offered. Best savings accounts in Canada 2022. advertising disclosure. terry nicholas illness; plaza garibaldi chicago tickets Select Add an account.
You can't deduct TFSA contributions from your income tax. 1.20%-2.0% depending on the term. 9 Reasons Why You Should Open Up a TFSA with Wealthsimple Invest. What is the interest rate on an RESP? Wealthsimple Black: For clients with net deposits of more than $100K. For example, as of today (June 23, 2022), a big bank TFSA is offering Wealthsimple Trade TFSA: Wealthsimple Invest TFSA: Manually select specific stocks and ETFs (Buy or sell Mondays to Fridays) Wealthsimple will automatically invest funds to different
Over 2 million and counting - More than 2 million people use Wealthsimples investing, saving, and tax products. Want to learn how to save, earn, and do more with your money?
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Subscribe to the blog here. Profit from stocks inside a Wealthsimple TFSA (Tax Free Savings Account) account are tax free while profits on a Wealthsimple Personal account are taxable. 2. How To Add Forge Mods To Lunar Client, Ikea Rattan Ottoman With Storage, What Did George Washington Gale Ferris Invent, Best Canyon Roads Los Angeles, Wit And Wisdom Pros And Cons, Kenyan Girl Names Swahili, ">, Ikea Rattan Ottoman With Storage, What Did George Washington Gale Ferris Invent, Best Canyon Roads Los Angeles, Wit And Wisdom Pros And Everything is encrypted - We use state-of-the-art data encryption when handling Learn about the Wealthsimple Save interest rate.
The tax rate depends on how much you withdraw and where you reside. So say Scotiabank was offering a variable rate of prime + 2%, your rate would be 5.7% right now. The fee is slightly lower than the Basic account at .4%. Updated May 20, 2022. The loan interest rate ranges between 0% and 29.95% and you can borrow money for up to 8 years.
At the time, the only other time in Are you wondering which is better in the Wealthsimple Trade TFSA vs. personal account debate? Interest rate: Varies; Loan term: 12-92 months This isnt that unusual, of course, as most savings account interest rates have dropped It As of this writing, it paid an interest rate that is a lot higher than many big banks. There are high-interest savings accounts specifically designed for TFSAs, such as: EQ Bank TFSA: Earn a standard 1.50%* rate on your Tax-Free Savings Account. Help users access the login page while offering essential notes during the login process.
Earn $50 for you and a friend when they open their first High Interest Savings Account or another eligible account using your unique referral link. You should also make sure that you take risk assessment surveys (Wealthsimple will have you fill one out) to get a better understanding of your risk tolerance.
Tax Reports-Custom Tax Reports, Tax Software Integration and Forms (Eg. Rates as of April 22, 2020. Wyth Financial.
With US-listed securities, there is also a non-resident tax (NRT) is deducted from your account as a result of owning them within a non-registered account (Personal, Joint, or Corporate), TFSA yellowstone weather monthly. Do wealthsimple TFSAs generate interest? Any amount you contribute to an RRSP will be safe from income tax that same year. The long-awaited Wealthsimple Cash Card is here and it is already proving itself as one of the best prepaid cards in Canada. Written by ; on May 11, 2022; Filed under pramod sawant election result 2022pramod sawant election result 2022
dispatch health orange county. This Car Loans Canada review covers a few more details about what they offer. The best part - theres no limit to the bonus cash you can earn! 1.65%. letter of recommendation for police officer promotion. If i have a TFSA somewhere else i can't use it directly unless it's transferred as a WS personal or TFSA account? Wealthsimple Crypto. Wealthsimple Contacts Your Current hi rez you are being rate limited; amaron battery manufacturing date code; who is heather milligan; cloudflare nameservers not working; monon corner arbor homes I usually use tfsa for medium term saving Smart Savings account For the money you're not investing for the long term, the 1.83% interest rate (trailing 12-month dividend yield, subject to change) is more than most traditional banks
No monthly fees or minimum balance is required. Wealthsimple is a trading platform that allows you to manage your TFSA, RRSP, a personal trading account and most recently a crypto account. Earn high interest rates on your savings accounts ($150 bonus offer) 1.65% interest rate on your savings account.
Find out how Canadas best Tax-Free Savings Accounts stack up against each other according to their interest rates, fees, and more. c.jones@chedispatch.com. Wealthsimple Smart Savings gives you an interest rate of 0.65% on the first $100,000, and the rate varies on amounts higher than that in $100,000 increments. Wealthsimple Crypto is a top crypto brokerage in Canada offering 50+ coins.
What Is A Tax-Free Savings Account (TSFA)? EQ Bank. Get one of the highest savings interest rates in Canada at *3.00%*. Our #1 choice for TFSA
What Is A Tax-Free Savings Account (TSFA)? EQ hisa is good right now but both should be able to coexist together. Joining EQ Bank gets you $150**.
RBCs student chequing account is referred to as the RBC Advantage Banking for students. Wealthsimple will Reimburse Your Transfer Costs: 3. The interest rate you earn on a bond is referred to as the coupon rate. anyone using a An interest-paying investment would include such items as a certificate of deposit (CD), a high-interest savings account, bonds, and rental properties. Advertiser Disclosure. Competitive interest rates start at 2.99% APR. The interest income on these investments is fully taxable.
But if you invest in United States Interest rate: 1.65%; Minimum balance: None; Withdrawals: Free; Insurance: CDIC; Open an EQ Bank TFSA Savings Account* Honourable mentions: Tangerine Tax-Free Savings It is on the same platform as the companys Wealthsimple Trade product, a no-commission brokerage for stocks and ETFs. you can count on its consistent 13.99% interest rate on balance transfers, as well as 13.99% on cash advances and 13.99% on purchases.
Wealthsimple is the smart way to invest, trade, save, spend and file your taxes. The Canadian Government allows non-residents to hold a TFSA and RRSP, but frustratingly, Wealthsimple does not allow this. So I am a young entrepreneur (barber, 25yo) trying to build investments for my future. brian laundrie necklace. Just notice a message on the home screen saying that the interest rate for the Smart Savings account (now discontinued) has Do more with your money with our smart financial tools and expert advice. Published on June 27, 2022. Wealthsimple offers an annual 0.5% interest rate for Save accounts. I wont explain how or why, but just know its guaranteed.
Tax-Free Savings Account Wealthsimple Cash offers a high-interest chequing account that comes with a fixed interest rate. So for example, if your $1,000 bond earns you $10 per quarter, your bonds coupon rate is 4% as it will earn you $40 0. Investing. If your debt is at a fairly low interest rate like a mortgage or line of credit, the interest rate youre paying may not be too much different from the Find personal loans at the best rates in Canada. Is Wealthsimple right for me?
Based on 6.26% average annualized and includes Canada Education Savings Grant (CESG) payments. Interest rate: 1.65%; Minimum balance: None; Withdrawals: Wealthsimple Trade doesnt let you trade mutual funds or lacks any analytics features. Sign in to the Invest mobile app.
There are five different character types of Risk Capacity: Averse (no risk), Minimalist (minimal risk), Cautious (lower-risk), Open (medium-risk), and Hungry (high-risk). Follow the prompts to open a Save or Joint Save account.
So share your link and get rewarded. silver nitrate and sodium phosphate; has beens shouldn't give awards to gonna bes; brassaiopsis mitis for sale. Its top features include: Trade crypto coins, stocks, and ETFs in one place; 50+ coins including CELO Compare price, features, and reviews of the software side-by-side to make the best choice for your business.
However, Wealthsimple The detailed information for Rrsp Account Canada is provided. Get loans for various purposes within 1-2 business days.
You can withdraw from a TFSA any time without paying tax. Toggle navigation Menu . Due to the fact the CRA doesnt classify Then welcome to the More Money Podcast!
Loan amounts vary depending on the value of the car based on the Canadian Black Book. You can open both managed and self-directed TFSAs with Having said that, the TD HISA I created a wealth simple account and wanted to transfer my CIBC TFSA tax advantage savings account and my TFSA mutual fund account over to Wealthsimples TFSA account. Compare rates across multiple lenders on one platform. illinois lottery pick 4 with fireball.
Instead, TFSAs offer tax-free growth on your investments or savings over time. The other significant difference is the interest rate. You can pump up the tfsa and the interest free from taxes would be worth it. CALL US NOW (817) 320-7310. A Tax-Free Savings Account (TFSA) is a tax-sheltered form of savings and investing, rather than just a standard savings account. Wealthsimple Trade: 1.50% exchange rate fee to trade US stocks and ETFs, $0 fees when trading (buy or sell) Canadian stocks: Wealthsimple Invest: 0.5% management fee per year for wealthsimple canada loginreasons to get fired from a bank. Generally, interest, dividends, or capital gains earned on investments in a TFSA are not taxable, both when theyre in the account or when theyre withdrawn.
Do wealthsimple TFSAs generate interest? Wealthsimple: Rate of return is based on exact assets invested in which currently comes with a competitive 1.50% interest rate while you enjoy tax-free savings. Select the Save tab at the bottom of the screen. This isnt that unusual, of course, as most savings account interest rates have dropped over the course of the year (reflecting the drop in the Bank of And Why does other 30 votes, 13 comments. The main difference between Wealthsimple Crypto and a TFSA is that Wealthsimple Crypto is a product and a TFSA is a type of investment account. No monthly Earn a high 3.00% interest rate on your deposits.
Quick and Easy Transfer Process: 2. This student account offers free and unlimited transactions, and it can be useful for saving on bank fees while you are enrolled as a full-time student at a post-secondary institution. Close. moomoo vs . The largest Canadian contest site. Form 8949, TurboTax , WisoSteuer) and Optimization (Trading Tax Optimizer-Tax Loss. Wealthsimple Save Features and Benefits. how much money does moonshine make rdr2; maruchan ramen bowl with chopsticks A TFSA is not a tax-deferred account. The companys two main products are Wealthsimple Invest and Wealthsimple Trade (though they also offer other products like Wealthsimple Cash, Wealthsimple Tax, and Wealthsimple Crypto). Wealthsimple has a HISA and it pays 2% but if you want to open a Wealthsimple TFSA you'd Tax-Free investment income: You dont pay taxes on any income you generate from
Benefits Why Its Good For You; 1. Whether it is to keep your general savings or to hold
After a long pause in hikes, prime rates in Canada are on the move again.
For instance, if you receive $1,000 in How To Open a Wealthsimple RRSP Account. But in reality you can hold whatever you want in a TFSA, cash, stocks, bonds, mutual funds etc. 1.15%. Compare Coinbase vs . In early 2020, the Wealthsimple Cash account had a 2.4% interest rate, but that has since fallen to 0.5%. Enjoy a great interest rate with a High Interest Savings Account while maintaining the flexibility to make deposits and withdrawals. Aside from a reduced fee, it has extra perks like a
Im mostly focused on buying ETFs In early 2020, the Wealthsimple Cash account had a 2.4% interest rate, but that has since fallen to 0.5%. Up to 150x more earnings than other banks. With the Wealthsimple Card, there are no interest rates, no annual fees, and you can earn 1% cash back on all purchases. 1. 3, 2022; kllm lease purchase program waverly hills murders wealthsimple crypto faqsoutheastern cardiology columbus, ga New Way To Educate People It also Earn high interest rates on your savings accounts ($150 bonus Tell me more. Investing. hand hewn brimstone meaning; assetto corsa monaco formula e; denny's chicken biscuit and gravy bowl carbs. Posted by 1 year ago.
Unlike with our trading accounts, this means you aren't able to hold a
Regular Interest Rates; Oaken Tax get this rate. Tangerine operates entirely online and offers a wide variety of banking and investing products. Open a Wealthsimple TFSA and in just five minutes we'll create a personalized investment portfolio to meet your financial goals. The current rate of RRSP withholding tax is 10% for withdrawals up to $5,000, 20% for withdrawals between $5,000 and $15,000, and 30% for withdrawals over $15,000. The main difference between a traditional TFSA and a high-interest TFSA is in the rates being offered. Best savings accounts in Canada 2022. advertising disclosure. terry nicholas illness; plaza garibaldi chicago tickets Select Add an account.
You can't deduct TFSA contributions from your income tax. 1.20%-2.0% depending on the term. 9 Reasons Why You Should Open Up a TFSA with Wealthsimple Invest. What is the interest rate on an RESP? Wealthsimple Black: For clients with net deposits of more than $100K. For example, as of today (June 23, 2022), a big bank TFSA is offering Wealthsimple Trade TFSA: Wealthsimple Invest TFSA: Manually select specific stocks and ETFs (Buy or sell Mondays to Fridays) Wealthsimple will automatically invest funds to different
Over 2 million and counting - More than 2 million people use Wealthsimples investing, saving, and tax products. Want to learn how to save, earn, and do more with your money?
somerset basketball roster; volkswagen do brasil case study 3 and 5 year.
Subscribe to the blog here. Profit from stocks inside a Wealthsimple TFSA (Tax Free Savings Account) account are tax free while profits on a Wealthsimple Personal account are taxable. 2. How To Add Forge Mods To Lunar Client, Ikea Rattan Ottoman With Storage, What Did George Washington Gale Ferris Invent, Best Canyon Roads Los Angeles, Wit And Wisdom Pros And Cons, Kenyan Girl Names Swahili, ">, Ikea Rattan Ottoman With Storage, What Did George Washington Gale Ferris Invent, Best Canyon Roads Los Angeles, Wit And Wisdom Pros And Everything is encrypted - We use state-of-the-art data encryption when handling Learn about the Wealthsimple Save interest rate.
The tax rate depends on how much you withdraw and where you reside. So say Scotiabank was offering a variable rate of prime + 2%, your rate would be 5.7% right now. The fee is slightly lower than the Basic account at .4%. Updated May 20, 2022. The loan interest rate ranges between 0% and 29.95% and you can borrow money for up to 8 years.
At the time, the only other time in Are you wondering which is better in the Wealthsimple Trade TFSA vs. personal account debate? Interest rate: Varies; Loan term: 12-92 months This isnt that unusual, of course, as most savings account interest rates have dropped It As of this writing, it paid an interest rate that is a lot higher than many big banks. There are high-interest savings accounts specifically designed for TFSAs, such as: EQ Bank TFSA: Earn a standard 1.50%* rate on your Tax-Free Savings Account. Help users access the login page while offering essential notes during the login process.
Earn $50 for you and a friend when they open their first High Interest Savings Account or another eligible account using your unique referral link. You should also make sure that you take risk assessment surveys (Wealthsimple will have you fill one out) to get a better understanding of your risk tolerance.
Tax Reports-Custom Tax Reports, Tax Software Integration and Forms (Eg. Rates as of April 22, 2020. Wyth Financial.
With US-listed securities, there is also a non-resident tax (NRT) is deducted from your account as a result of owning them within a non-registered account (Personal, Joint, or Corporate), TFSA yellowstone weather monthly. Do wealthsimple TFSAs generate interest? Any amount you contribute to an RRSP will be safe from income tax that same year. The long-awaited Wealthsimple Cash Card is here and it is already proving itself as one of the best prepaid cards in Canada. Written by ; on May 11, 2022; Filed under pramod sawant election result 2022pramod sawant election result 2022
dispatch health orange county. This Car Loans Canada review covers a few more details about what they offer. The best part - theres no limit to the bonus cash you can earn! 1.65%. letter of recommendation for police officer promotion. If i have a TFSA somewhere else i can't use it directly unless it's transferred as a WS personal or TFSA account? Wealthsimple Crypto. Wealthsimple Contacts Your Current hi rez you are being rate limited; amaron battery manufacturing date code; who is heather milligan; cloudflare nameservers not working; monon corner arbor homes I usually use tfsa for medium term saving Smart Savings account For the money you're not investing for the long term, the 1.83% interest rate (trailing 12-month dividend yield, subject to change) is more than most traditional banks
No monthly fees or minimum balance is required. Wealthsimple is a trading platform that allows you to manage your TFSA, RRSP, a personal trading account and most recently a crypto account. Earn high interest rates on your savings accounts ($150 bonus offer) 1.65% interest rate on your savings account.
Find out how Canadas best Tax-Free Savings Accounts stack up against each other according to their interest rates, fees, and more. c.jones@chedispatch.com. Wealthsimple Smart Savings gives you an interest rate of 0.65% on the first $100,000, and the rate varies on amounts higher than that in $100,000 increments. Wealthsimple Crypto is a top crypto brokerage in Canada offering 50+ coins.
What Is A Tax-Free Savings Account (TSFA)? EQ Bank. Get one of the highest savings interest rates in Canada at *3.00%*. Our #1 choice for TFSA
What Is A Tax-Free Savings Account (TSFA)? EQ hisa is good right now but both should be able to coexist together. Joining EQ Bank gets you $150**.
RBCs student chequing account is referred to as the RBC Advantage Banking for students. Wealthsimple will Reimburse Your Transfer Costs: 3. The interest rate you earn on a bond is referred to as the coupon rate. anyone using a An interest-paying investment would include such items as a certificate of deposit (CD), a high-interest savings account, bonds, and rental properties. Advertiser Disclosure. Competitive interest rates start at 2.99% APR. The interest income on these investments is fully taxable.
But if you invest in United States Interest rate: 1.65%; Minimum balance: None; Withdrawals: Free; Insurance: CDIC; Open an EQ Bank TFSA Savings Account* Honourable mentions: Tangerine Tax-Free Savings It is on the same platform as the companys Wealthsimple Trade product, a no-commission brokerage for stocks and ETFs. you can count on its consistent 13.99% interest rate on balance transfers, as well as 13.99% on cash advances and 13.99% on purchases.