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Your No Annual Fee Credit card search results

Your No Annual Fee Credit card search results

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Credit cards are ranked below so you can find the best credit cards for you

  • The NEW SimplyCash Card from American Express
    The NEW SimplyCash Card from American Express Cash Back The NEW SimplyCash Card from American Express
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 21.99%
    • Min Personal Income Required: $0
    • Credit Required: Average
    Apply now
    • $340
      Your Net Annual Rewards
    • 0
    • $0
    • 19.99%
    • 21.99%
    • $0
    • Average

    No annual fee. Earn 5% cash back on gas, grocery and restaurant purchases in first 6 months! 1.25% thereafter. 1.99% interest rate on balance transfers for 6 months, with no transfer fee!

    Snapshot of card features
    • With this new market leading flat rate cash back Card with no annual fee:
    • New SimplyCashTM Card from American Express Cardmembers can earn 5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership1 
    • Earn 1.25% cash back on all other purchases and when your Welcome Rate ends3
    • No limit to the amount of cash back you can earn
    • No annual fee for Supplementary Cards2
    • Refer a friend and you9 could earn a bonus of $100 cash back for each approved referral up to a maximum annual referral bonus of $1,500 Cash Back10.
    • Optional Balance Transfer Offer for new Cardmembers - Enjoy a 1.99% interest in first 6 months** if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
    • Access to memorable experiences with American Express Invites® 
    • Insurance coverage and 24/7 Customer Service
    • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
    • Conditions apply
  • BMO Sobeys AIR MILES MasterCard
    BMO Sobeys Air Miles MasterCard BMO Sobeys AIR MILES MasterCard
    • Sign-up Bonus Points: 500
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $288
      Your Net Annual Rewards
    • 500
    • $0
    • 19.99%
    • 22.99%
    • $15K
    • Good

    Limited Time Offer!: 500 Bonus Miles after your first purchase. Plus 3x the Miles on all your purchases in the first three months! No annual fee.

    Snapshot of card features
    • 500 Bonus Miles after your first purchase*
    • Plus, 3x the Miles on all your purchases in the first 3 months*!
    • 1.25x Miles on card purchases at Shell locations in Canada*
    • 1 Mile for every $20 in card purchases everywhere else MasterCard is accepted*
    • No Annual Fee*
    • Purchase Interest Rate: 19.99%
    • Cash Advance rate: 22.99%
    • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information *Terms and conditions apply
  • BMO IGA AIR MILES MasterCard
    BMO IGA AIR MILES MasterCard BMO IGA AIR MILES MasterCard
    • Sign-up Bonus Points: 500
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $288
      Your Net Annual Rewards
    • 500
    • $0
    • 19.99%
    • 22.99%
    • $15K
    • Good

    Limited Time Offer!: 500 Bonus Miles after your first purchase. Plus 3x the Miles on all your purchases in the first three months! No annual fee.

    Snapshot of card features
    • For Quebec residents only
    • 500 Bonus Miles after your first purchase*
    • Plus, 3x the Miles on all your purchase in the first 3months*!
    • 1.25x Miles on card purchases at Shell locations inCanada*
    • 1 Mile for every $20 in card purchases everywhere else MasterCard is accepted*
    • No Annual Fee*
    • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
    • Cash Advance rate: 22.99% *Terms and conditions apply
  • Rogers™ Platinum Mastercard®
    Rogers Platinum MasterCard Rogers™ Platinum Mastercard®
    • Sign-up Bonus Points: $25
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 21.5%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $285
      Your Net Annual Rewards
    • $25
    • $0
    • 19.99%
    • 21.5%
    • $15K
    • Good

    $25 Cash back Rewards Welcome Bonus after your 1st purchase within 90 days from receiving the card.

    Snapshot of card features
    • Summary:
    • Earn 1.75% unlimited cash back rewards on purchases in Canadian dollars. 
    • Earn 4% unlimited cash back rewards on all purchases in a foreign currency – from international websites to anywhere you travel outside of Canada.
    • Annual fee waived your first year Get $54 in welcome bonuses:
    • $25 in cash back rewards after first use within 3 months of receiving your card
    • $29 Annual Fee waived for the first year Redeem for anything Rogers:
    • Your Rogers, Fido or chatr monthly bill
    • Purchases at Rogers or Fido branded stores or online at rogers.com and fido.ca
    • Purchases at The Shopping Channel™
    • Subscriptions to Texture™
    • Toronto Blue Jays™ tickets
    • Merchandise at Jays Shop™
    • Concession foods at the Rogers Centre™
  • PC Financial® World Elite MasterCard®
    President's Choice Financial World MasterCard PC Financial® World Elite MasterCard®
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.97%
    • Cash Advance Interest Rate: 21.97%
    • Min Personal Income Required: $80K
    • Credit Required: Good
    Apply now
    • $276
      Your Net Annual Rewards
    • 0
    • $0
    • 19.97%
    • 21.97%
    • $80K
    • Good

    No Annual fee! 30 PC points per dollar spent at Loblaw banner stores, Shoppers Drug Mart, Pharmaprix, PC mobile & PC travel services, 10 PC points everywhere else.

    Snapshot of card features
    • No annual fee
    • Earn 30 PC® points for every $1 spent at Loblaw banner stores
    • Earn 30 PC points for every $1 spent at Shoppers Drug Mart & Pharmaprix stores
    • Bonus of up to 3 cents per litre at Esso
    • Earn 30 PC points for every $1 spent on travel services at pctravel.ca
    • Earn 30 PC points for every $1 spent on PC® mobile monthly service
    • Earn10 PC points per $1 everywhere else
    • Please note minimum personal income of $80,000 or household income of $150,000 is required
    • Terms and conditions apply
    • Assumptions for rewards calculator: gas purchased at Esso, grocery at Loblaw banner stores, drug at Shoppers Drug Mart or Pharmaprix, airfare and hotel at pctravel.ca
  • Blue Sky Credit Card
    Air Miles Rewards Credit Cards American Express no fee Blue Sky Credit Card
    • Sign-up Bonus Points: 10,000
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 21.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $265
      Your Net Annual Rewards
    • 10,000
    • $0
    • 19.99%
    • 21.99%
    • $15K
    • Good

    This is a really affordable & rich no-fee travel card with a 1.25% earn rate. Redeem for any travel expense on your credit card statement.

    Snapshot of card features
    • No annual fee
    • New Blue Sky Credit Card Cardmembers, earn 10,000 Blue Sky Points after you charge $500 in purchases to your Card in your first three months of Cardmembership.
    • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card
    • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card
    • Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions
    • $100,000 Travel Accident Insurance
    • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
    • Conditions Apply. 
  • MBNA Smart Cash Mastercard
    cash back credit cards mbna MBNA Smart Cash Mastercard
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 24.99%
    • Min Personal Income Required: $15K
    • Credit Required: Average
    • $252
      Your Net Annual Rewards
    • 0
    • $0
    • 19.99%
    • 24.99%
    • $15K
    • Average

    Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡

    Snapshot of card features
    • Make your shopping work for you. Get cash back on the most common purchases. 
    • Get up to 5% cash back on eligible gas and grocery purchases for the first 6 months‡
    • Get up to 2% cash back on eligible gas and grocery purchases thereafter‡
    • Get up to 1% cash back for all other eligible purchases‡
    • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full months
    • If eligible, you will be considered for an upgrade to a Smart Cash World MasterCard® credit card††††
    • No annual fee
  • FIDO MasterCard
    No Annual Fee FIDO MasterCard FIDO MasterCard
    • Sign-up Bonus Points: $50
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 21.5%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $248
      Your Net Annual Rewards
    • $50
    • $0
    • 19.99%
    • 21.5%
    • $15K
    • Good

    No annual fee ever, 1.5% cash back on everything, 4% cash back on foreign transactions, up to $50 welcome bonus!

    Snapshot of card features
    • Earn 4% cash back rewards on all purchases in a foreign currency – from international websites to anywhere you travel outside of Canada
    • Plus 1.5% cash back rewards on all purchases in Canadian dollars
    • Get the credit card with no annual fee and get more of what you want from Fido
    • Get up to $50 in cash back rewards as a welcome bonus: $25 on your first purchase within 3 months of receiving your card + $25 when you register your Fido bill for pre-authorized payments within 3 months of receiving your card.
  • Tangerine Money-Back Credit Card
    Tangerine Money-Back Credit Card Tangerine Money-Back Credit Card
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.95%
    • Cash Advance Interest Rate: 19.95%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $246
      Your Net Annual Rewards
    • 0
    • $0
    • 19.95%
    • 19.95%
    • $15K
    • Good

    Earn 2% Money-Back Rewards on 3 categories of your choice! No annual fee.

    Snapshot of card features
    • No Annual Fee
    • Earn 2% cash back on purchases in up to 3 categories of your choice
    • 0.5% Money-Back Rewards on all other purchases.
    • No limit to the Money-Back Rewards you can earn! 
    • Three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card 
    • 2.5% Foreign Conversion Fee 
    • Free Cards for Authorized Users on your Account
    • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account. 
    • Change your 2% Money-Back Categories to suit your spending. 
    • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account. 
    • Purchase Assurance and Extended Warranty 
    • Accepted worldwide at more than 24 million locations in over 210 countries 
    • MasterCard Zero Liability
  • SCENE Visa
    best rewards card canada scene visa no annual fee SCENE Visa
    • Sign-up Bonus Points: 5,000
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $3K
    • Credit Required: Good
    Apply now
    • $243
      Your Net Annual Rewards
    • 5,000
    • $0
    • 19.99%
    • 22.99%
    • $3K
    • Good

    Get 5,000 points, enough for 5 Free Movie Tickets! Exceptionally strong 1.35% earn rate.

    Snapshot of card features
    • Get 5,000 bonus SCENE points with $500 in everyday purchases within the first three months. That's enough for 5 free movies! 
    • No annual fee
    • Earn 5 SCENE points for every $1 spent at participating Cineplex theaters, or online at cineplex.com (6.75% earn rate)
    • Earn 1 SCENE point for every $1 spent on all other purchases (1.35% earn rate)
    • SCENE points redeemable for free movies, music & other entertainment rewards starting at just 1,000 points
    • 1,000 SCENE points = 1 free movie ticket
    • Avis rental car discount
    • Minimum credit limit of $500
    • To be eligible for the 5,000 bonus points, you must have at least $500 in net purchases (purchases less returns, refunds or other similar credits) posted to your SCENE Visa account in the first 3 months from the account opening date. The 5,000 bonus points will be awarded within 2-3 business days of the completion of the $500 in purchases. Only one welcome bonus is awarded per SCENE Visa account. In cases where both the primary and co-borrower cardholders are SCENE members, the 5,000 bonus points will be credited to the cardholder making the first purchase. Offer applies to new accounts opened by October 31, 2017. SCENE members can redeem 1,000 points for a free General Admission movie ticket. Offer not applicable to SCENE Student Visa card.
  • Best Western MasterCard® credit card
    best western rewards mastercard Best Western MasterCard® credit card
    • Sign-up Bonus Points: 20,000
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 24.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $232
      Your Net Annual Rewards
    • 20,000
    • $0
    • 19.99%
    • 24.99%
    • $15K
    • Good

    Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® MasterCard® credit card‡

    Snapshot of card features
    • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡ 
    • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡ 
    • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay 
    • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊ 
    • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
    • Use your BestWestern Rewards® points in many ways – hotel stays, dining, gift cards and more.
    •  1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full months
  • American Express Air Miles Credit Card
    air miles credit card canada american express gold no annual fee American Express Air Miles Credit Card
    • Sign-up Bonus Points: 500
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 21.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $214
      Your Net Annual Rewards
    • 500
    • $0
    • 19.99%
    • 21.99%
    • $15K
    • Good

    500 Air Miles Welcome Bonus! No Annual Fee. Special 1.99% interest rate on balance transfers for 6 months, with no transfer fee!

    Snapshot of card features
    • New American Express® AIR MILES Credit Card Cardmembers, earn a Welcome Bonus of 500 AIR MILES Reward Miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership.
    • Earn 1 reward mile for every $15 in Card purchases at AIR MILES Sponsors 
    • Earn 1 reward mile for every $20 in Card purchases you charge to the Card everywhere else 
    • Optional Balance Transfer Offer for new Cardmembers - Enjoy a 1.99% interest in first 6 months** if you choose to transfer your other credit card balances to this American Express card at time of online application. Have the flexibility to pay your balance off in full or over time. There is no balance transfer fee at time of application.
    • Shop at participating AIR MILES Sponsors across Canada with your Card and show your AIR MILES Collector Card, and you can earn reward miles twice
    • More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from electronics to travel and more
    • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
    • Conditions apply
  • BMO CashBack Mastercard
    cash back credit cards bmo cashback mastercard BMO CashBack Mastercard
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $213
      Your Net Annual Rewards
    • 0
    • $0
    • 19.99%
    • 22.99%
    • $15K
    • Good

    Limited time offer until August 31, 2017: Get 4% cashback on all purchases in the first 4 months (up to $125 cash back) then 1% on all other purchases!

    Snapshot of card features
    • Welcome Offer: Get 4% cash back on every purchase (up to $125 cash back) in your first 4 months*. 
    • Earn 1% CashBack on ALL card purchases* without restrictions!*
    • No Annual fee*
    • Receive a discount on car rentals*
    • Extended Warranty*
    • Purchase Protection*
    • Purchase Interest Rate: 19.99%
    • Cash Advance Rate: 22.99%
    • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information*
    • Terms and conditions apply
  • ECHO® Cashback MasterCard®
    NBC Echo Cashback ECHO® Cashback MasterCard®
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $186
      Your Net Annual Rewards
    • 0
    • $0
    • 19.99%
    • 22.99%
    • $15K
    • Good

    Get 1.5% cashback on 3 purchase categories for the first 3 months. Get unlimited 1% cashback on all other purchases.

    Snapshot of card features
    • Get 1.5% cashback on 3 purchase categories for the first3 months.*
    • Get unlimited 1% cashback on all other purchases 
    • Apply your cashback as soon as you accumulate $25. You can even access your cashback on the go from any tablet or mobile device! 
    • Purchase protection in case of theft or damage* 
    • Extended warranty*
  • MBNA Rewards Mastercard® credit card
    MBNA Rewards Mastercard credit card MBNA Rewards Mastercard® credit card
    • Sign-up Bonus Points: 5,000
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 24.99%
    • Min Personal Income Required: $15K
    • Credit Required: Average
    Apply now
    • $182
      Your Net Annual Rewards
    • 5,000
    • $0
    • 19.99%
    • 24.99%
    • $15K
    • Average

    Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel.

    Snapshot of card features
    • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back 
    • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases 
    • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel 
    • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations 
    • No annual fee 
  • BMO Air Miles Mastercard
    BMO Air Miles Mastercard BMO Air Miles Mastercard
    • Sign-up Bonus Points: 500
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $174
      Your Net Annual Rewards
    • 500
    • $0
    • 19.99%
    • 22.99%
    • $15K
    • Good

    Limited time offer until Aug 31, 2017: 500 Air Miles Welcome Bonus Offer! Plus get 3X the Miles for the first 6 Months!*

    Snapshot of card features
    • Limited time offer until August 31, 2017: Get 500 Bonus Air Miles rewards!
    • Plus Plus get 3X the Miles for the first 6 Months!* That's 3 Miles for every $20 you spend on your credit card*
    • 1 AIR MILES reward mile for every $20 that you spend on your credit card*
    • No Annual fee*
    • Receive a discount on car rentals*
    • Extended Warranty*
    • Purchase Protection*
    • Purchase Interest Rate: 19.99%
    • Cash Advance Rate: 22.99%
    • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
    • *Terms and conditions apply
  • CAA-Quebec Dollars Platinum Plus MasterCard® credit card
    no annual fee credit cards caa mastercard CAA-Quebec Dollars Platinum Plus MasterCard® credit card
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 19.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $168
      Your Net Annual Rewards
    • 0
    • $0
    • 19.99%
    • 19.99%
    • $15K
    • Good

    Earn CAA-Quebec Dollars faster with the CAA-Quebec Dollars Platinum Plus® MasterCard® credit card.

    Snapshot of card features
    • Earn 1% in CAA-Quebec Dollars on your eligible purchases‡
    • Earn an additional 1% in CAA-Quebec Dollars on eligible purchases, including gas at participating Couche-Tard locations‡
    • Earn an additional 20% CAA-Quebec Dollars on every eligible purchase‡ when compared to the CAA-Quebec Dollars Platinum Plus® MasterCard® credit card with the CAA-Quebec Dollars World MasterCard® credit card††††
    • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full monthsOffer available only for CAA-Quebec members - register now
    • No annual fee
  • Cash Back Mastercard With No Annual Fee
     RBC CASH BACK MasterCard Cash Back Mastercard With No Annual Fee
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 21.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $162
      Your Net Annual Rewards
    • 0
    • $0
    • 19.99%
    • 21.99%
    • $15K
    • Good

    Get more for your money with 2% Cash Back on grocery store purchases, no annual fee. Special Offer: 1.9% interest rate for 10 months on balance transfers & cash advances

    Snapshot of card features
    • No annual fee
    • Get a low introductory interest rae of 1.9% for 10 months on balance transfers and cash advances!
    • Earn 2% cash back on grocery store purchases (capped at $6 000/year)
    • Earn 1% cash back on grocery store purchases after $6 000
    • Earn 0.5% cash back on all other purchases (capped at $6 000/year)
    • Earn 1% cash back on all other purchases after $6 000
    • Receive your cash back at any time that your rewards exceed $25
    • Add co-applicants or authorized users for free
    • Purchase Security and Extended Warranty Insurance
  • CIBC Petro-Points MasterCard
    rewards credit cards petro canada cibc CIBC Petro-Points MasterCard
    • Sign-up Bonus Points: 15,000
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $15k
    • Credit Required: None
    • $153
      Your Net Annual Rewards
    • 15,000
    • $0
    • 19.99%
    • 22.99%
    • $15k
    • None

    2 cents per litre at petro stations, plus 20 Petro-Points at Petro Canada

    Snapshot of card features
    • Welcome Bonus of 15,000 PETRO-POINTS
    • No annual fee
    • Instant fuel savings of 2 cents per litre at Petro-Canada? locations across Canada
    • Redeem 12,000 PETRO-POINTS for the Fuel Savings Rewards Card and get an additional 5 cents per litre savings on 200 litres of fuel (for 7 cents/L total)
    • Earn 20 PETRO-POINTS for every $1 spent on select items at Petro-Canada
    • Earn 15 PETRO-POINTS for every $1 spent at Petro-Canada, on groceries & on pharmacy
    • Earn 10 PETRO-POINTS for every $1 spent everywhere else
    • 5,000 bonus PETRO-POINTS when your card purchases for the month exceed $1 000
    • Additional cards free (3 maximum) 
  • Sony Card MasterCard® credit card
    no annual fee credit cards sonycard Sony Card MasterCard® credit card
    • Sign-up Bonus Points: 2,000
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 24.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    • $152
      Your Net Annual Rewards
    • 2,000
    • $0
    • 19.99%
    • 24.99%
    • $15K
    • Good

    Receive 2,000 bonus Sony points after your first eligible purchase††

    Snapshot of card features
    • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full months
    • Earn Sony Points on eligible purchases made using your Sony Card MasterCard®‡
    • Get 2,000 Sony Points after your first eligible transaction††
    • Earn double Sony Points on eligible purchases of Sony products at sony.ca or the Sony store / Maison Sony‡
    • Redeem Sony Points toward any Sony product online at sony.ca. Choose from the latest audio, video, gaming products and more‡
  • BMO Shell CashBack MasterCard®
    cash back credit cards bmo shell cashback mastercard no annual fee BMO Shell CashBack MasterCard®
    • Sign-up Bonus Points: $50
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $0
    • Credit Required: Average
    • $152
      Your Net Annual Rewards
    • $50
    • $0
    • 19.99%
    • 22.99%
    • $0
    • Average

    1.5% cash back at Shell. .5% everywhere else.

    Snapshot of card features
    • $50 CashBack credit after your first purchase*
    • Plus earn 1% cash back for the first 6 months
    • 1.5% CashBack on every dollar you spend at Shell locations in Canada*
    • 0.5% CashBack on every dollar you spend on purchases everywhere else MasterCard is accepted*
    • No Annual Fee*
    • Purchase Interest Rate: 19.99%
    • Cash Advance Rate: 22.99%
    • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information *Terms and conditions apply
  • Walmart Rewards MasterCard
    Walmart Rewards MasterCard Walmart Rewards MasterCard
    • Sign-up Bonus Points: $25
    • Annual Fees: $0
    • Purchase Interest Rate: 19.89%
    • Cash Advance Interest Rate: 21.49%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    • $150
      Your Net Annual Rewards
    • $25
    • $0
    • 19.89%
    • 21.49%
    • $15K
    • Good

    Earn 1.25% rewards at Walmart, 1% everywhere else.

    Snapshot of card features
    • Earn 1.25% of your purchases in Walmart Rewards when you shop Walmart stores in Canada.
    • Earn 1% of your purchases in Walmart Rewards anywhere else MasterCard® is accepted.
    • Walmart Rewards are earned in dollar equivalents, not points, so it's easy to know how much you have to redeem.
  • RBC Rewards+ Visa Card
    RBC Rewards+ Visa Card RBC Rewards+ Visa Card
    • Sign-up Bonus Points: 2,500
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 21.99%
    • Min Personal Income Required: $0
    • Credit Required: Average
    Apply now
    • $145
      Your Net Annual Rewards
    • 2,500
    • $0
    • 19.99%
    • 21.99%
    • $0
    • Average

    Get 2,500 welcome points* on approval and a 1.9% intro rate for 10 months∆ on balance transfers and cash advances!

    Snapshot of card features
    • Get 2,500 welcome points* on approval and a 1.9% intro rate for 10 months∆ on balance transfers and cash advances
    • The credit card that gives you a choice of rewards!
    • Earn 1 RBC Rewards® point for every $1 spent on gas, grocery and drug store purchases†
    • Earn 1 RBC Rewards point for every $2 spent on all other purchases†
    • Get up to 3,500 bonus RBC Rewards points for going digital±
    • Only RBC Rewards+ TM Visa‡ cardholders can get the most popular $25 gift cards‡ at an exclusive redemption rate**
  • Zoomer® MBNA Rewards MasterCard®
    Zoomer MBNA Rewards MasterCard Zoomer® MBNA Rewards MasterCard®
    • Sign-up Bonus Points: 1,000
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 24.99%
    • Min Personal Income Required: $15K
    • Credit Required: Average
    Apply now
    • $142
      Your Net Annual Rewards
    • 1,000
    • $0
    • 19.99%
    • 24.99%
    • $15K
    • Average

    1,000 bonus points after your first eligible purchase. Earn 1 MBNA Rewards point for every $1 in eligible purchases.

    Snapshot of card features
    • Earn rewards points with each eligible purchase 
    • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full months 
    • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡ 
    • 1,000 bonus points after your first eligible purchase†† 
    • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations 
    • No annual fee 
  • CFL Platinum Plus MasterCard
    CFL Platinum Plus MasterCard Credit Card CFL Platinum Plus MasterCard
    • Sign-up Bonus Points: 1,000
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 24.99%
    • Min Personal Income Required: $15K
    • Credit Required: Average
    • $142
      Your Net Annual Rewards
    • 1,000
    • $0
    • 19.99%
    • 24.99%
    • $15K
    • Average

    Get CFL rewards and choose your team logo on your card! No annual fee so it's free!

    Snapshot of card features
    • Earn 1 mbna rewards point for every $1 in eligible purchase transactions‡
    • Redeem points for rewards you want—Canadian Football LeagueMemorabilia, exclusive experiences and merchandise
    • Brand-name merchandise and gift cards from top retailers
    • 1,000 bonus points after your first eligible purchase††
    • Enhanced security and protection with Chip & PIN technology and PayPass
  • PC Financial® MasterCard®
    low balance transfer rate credit cards pc bank PC Financial® MasterCard®
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.97%
    • Cash Advance Interest Rate: 21.97%
    • Min Personal Income Required: $$12K
    • Credit Required: Good
    Apply now
    • $132
      Your Net Annual Rewards
    • 0
    • $0
    • 19.97%
    • 21.97%
    • $$12K
    • Good

    No annual fee. 10 PC points per dollar spent everywhere. 20 PC points per dollar spent at PC Travel.

    Snapshot of card features
    • No annual fee
    • Earn 10 PC® points for every $1 spent, everywhere you shop
    • Earn 20 PC points for every $1 spent on travel services4 at pctravel.ca
    • Checkout faster at the register with contactless technology; just tap your card and you're done. No signature required on smaller purchases
    • MasterCard is accepted worldwide at more than 24 million locations in over 210 countries
    • Cash advance at a bank machine or MasterCard-issuing financial institution (subject to credit approval and provided you have the available credit)
    • Terms and Conditions apply
    • Assumptions for rewards calculator: gas purchased at Esso, grocery at Loblaw banner stores, drug at Shoppers Drug Mart or Pharmaprix, airfare and hotel at pctravel.ca
  • Scotia Momentum No-Fee Visa
    scotibank momentum no-fee visa Scotia Momentum No-Fee Visa
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $120
      Your Net Annual Rewards
    • 0
    • $0
    • 19.99%
    • 22.99%
    • $15K
    • Good

    No Fee. 1% on gas, grocery, drug store & recurring spend, .5% everywhere else. Introductory 7.99% on purchases for the first six months.

    Snapshot of card features
    • No annual fee
    • Get an introductory 7.99% on purchases for the first six months. For accounts opened by July 31, 2017
    • 1% cash back on all eligible gas, grocery, drug store purchases, and recurring bill payments
    • 0.5% cash back on all other eligible purchases
    • Avis rental car discount
  • CIBC Dividend Card
    cash back credit cards cibc cashback dividend CIBC Dividend Card
    • Sign-up Bonus Points: 0
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 22.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    • $113
      Your Net Annual Rewards
    • 0
    • $0
    • 19.99%
    • 22.99%
    • $15K
    • Good

    Very low earn rate compared to the competition

    Snapshot of card features
    • Earn up to 1% cash back on card purchases (.25% on first $1.5K, .5% on next $1.5K, 1% on everything above)
    • No limit to how much cash back rewards you can earn
    • Replacements for lost, stolen or damaged items with Purchase Security and Extended Protection® Insurance
    • Perks such as Avis® and Budget® car rental discounts
    • Minimum personal income of $15,000
  • Desjardins Elegance Gold
    desjardins visa elegance gold Desjardins Elegance Gold
    • Sign-up Bonus Points: 0
    • Annual Fees: $30
    • Purchase Interest Rate: 19.9%
    • Cash Advance Interest Rate: 19.9%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    • $102
      Your Net Annual Rewards
    • 0
    • $30
    • 19.9%
    • 19.9%
    • $15K
    • Good

    No welcome bonus. Earn 1% per $1 spent.

    Snapshot of card features
    • $30 Annual Fee
    • Earn 1% of your purchases in BONUSDOLLARS
    • Redeem BONUSDOLLARS for unrestricted travel, gift rewards & financial products and services
    • 3 day travel insurance at no cost
    • Extended warranty of up to one year on goods purchased
    • Mobile insurance
    • ZERO Liability insurance
    • No-fee traveller's cheques
    • Discounts up to 20% at Hertz worldwide
  • Harley-Davidson® Mastercard® credit card
    harley davidson mastercard Harley-Davidson® Mastercard® credit card
    • Sign-up Bonus Points:
    • Annual Fees: $0
    • Purchase Interest Rate: 19.99%
    • Cash Advance Interest Rate: 24.99%
    • Min Personal Income Required: $15K
    • Credit Required: Good
    Apply now
    • $66
      Your Net Annual Rewards
    • $0
    • 19.99%
    • 24.99%
    • $15K
    • Good

    You could be one purchase away from winning a Harley-Davidson® motorcycle††

    Snapshot of card features
    • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full months
    • Earn 1 Genuine Rewards Point or every $2 in eligible purchases‡
    • Redeem your points for Harley Chrome® Cash‡ to be used at participating Harley-Davidson Canadian retailers
    • Use your card for eligible purchases and you may be entered in a quarterly Harley-Davidson motorcycle draw‡
    • No annual fee

No Annual Fee Credit card guide

There are plenty of good reasons to want a no annual fee credit card. Some people may not spend enough annually to cover the cost of an annual fee. Others want a back-up credit card or an extra line of credit for emergencies, where it doesn't make sense to carry an annual fee. And then there are rewards maximizers who are looking to combine offers from multiple cards offering extra rewards in different merchant categories, where multiple annual fees would ruin the value of the exercise. Regardless, these are the best no annual fee credit cards in Canada.

Want to expand your search beyond no fee credit cards? Go back to our homepage and find the right credit card for you now!