Best No Annual Fee Credit Cards in Canada

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Your Estimated Net Annual Rewards The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)
Sign Up Bonus Points The number of points an issuer will give you when signing-up for a new card. Different conditions apply.
Annual Fee The amount of money charged to you each year to use the card
Purchase Interest Rate The annualized interest rate your credit card balance will be charged for purchases made with your card
Cash Advance Interest Rate Interest rate charged when taking out cash with your credit card
Min Personal Income Required Minimum personal income required to be eligible for approval for the card when you apply.
Recommended Credit Score Minimum Credit Score required to be eligible for approval for the card when you apply.
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Gas /Mo
Grocery /Mo
Dining /Mo
Drug /Mo
Airfare /Mo
Hotel /Mo
Other /Mo
Total /Mo
How long will you have the card? Years
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Your projected balance
Your Transfer Amount can be between 300-30000
Current interest rate
Current interest rate can be between 5.9%-35%
%
Minimum payment
minimum payment can be between 1%-5%
%
Or
Fixed monthly payment
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Your Transfer Amount
Your projected balance can be between 300-30000
Current interest rate
Current interest rate can be between 5.9%-35%
%
Minimum payment
minimum payment can be between 1%-5%
%
Or
Fixed monthly payment
Recalculate
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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.

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