No Annual Fee

The following credit cards have no annual fee. You can apply for these credit cards online by following the Apply Now link. All of these cards are available in Canada.

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Capital One® Aspire Cash™ Platinum MasterCard® Apply Now

Capital One® Aspire Cash™ Platinum MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.80%1

Cash Advances

19.80%2

Balance Transfers

19.80%3

  • Earn cash rewards and pay no annual fee!
  • Earn 1% cash rewards on all net purchases
  • No limit to the amount of cash you can earn
  • Annual interest rate of Prime +16.8%

Notes:
  1. This is a variable rate of Prime + 16.8%, currently equal to 19.8%
  2. This is a variable rate of Prime + 16.8%, currently equal to 19.8%
  3. This is a variable rate of Prime + 16.8%, currently equal to 19.8%

MBNA Smart Cash MasterCard® Credit Card Apply Now

MBNA Smart Cash MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

24.99%

Balance Transfers

1.99%1

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

  • Up to 2% cash back on eligible gas and grocery purchases thereafter‡
  • And, up to 1% cash back on all of your other eligible purchases‡
  • 1.99% annual interest rate‡ (AIR) on balance transfers* and deposits* for the first 10 full months
  • Enjoy free online access to your credit card account
  • And, with no annual fee and free additional cards you’ll start to see the benefits right away.

  • Rewarding yourself is easy. Once your cash back totals at least $50 at the end of a monthly billing cycle, we'll automatically mail you a cheque‡ - it's that simple.

Notes:
  1. For the first 10 billing cycles, 21.99% thereafter.
More information about the MBNA Smart Cash MasterCard® Credit Card

MBNA Sony Card Apply Now

MBNA Sony Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

1.99%1


Receive 2,000 Bonus Sony Points (a $20.00 value) after your first eligible purchase††

  • No annual fee
  • Earn DOUBLE Sony Points on eligible purchases of Sony products at sony.ca or the Sony store/Maison Sony‡
  • Earn Sony Points on eligible purchases made using your Sony Card MasterCard®‡
  • Get 2,000 Sony Points after your first eligible transaction††
  • Redeem Sony Points toward any Sony product online at sony.ca. Choose from the latest in audio, video, gaming and more
  • 1.99% promotional annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
  • Feel secure with around-the-clock fraud protection
  • Enjoy free online access to your credit card account
  • Enhanced security and protection with Chip & PIN technology and PayPass

Notes:
  1. For the first 10 billing cycles, 19.99% thereafter.
More information about the MBNA Sony Card

Ottawa REDBLACKS™ mbna rewards MasterCard® credit card Apply Now

Ottawa REDBLACKS™ mbna rewards <i>MasterCard®</i> credit card

Interest on:

Annual Fee

$0

Purchases

19.99%1

Cash Advances

24.99%2

Balance Transfers

21.99%3

Redeem points for rewards you want-Canadian Football League Memorabilia, exclusive experiences and merchandise

  • Earn 1 mbna rewards point for every $1 in eligible purchase transactions‡
  • Brand-name merchandise and gift cards from top retailers
  • 1,000 bonus points after your first eligible purchase††
  • 1,000 bonus mbna rewards points every year on your Account anniversary‡‡
  • Enhanced security and protection with Chip & PIN technology and PayPass

Notes:
  1. Balance Transfers - APR - 1.99% for 10 months
  2. 1% of amount advanced (minimum fee $7.50)
  3. 1% of amount advanced (minimum fee $7.50)

RBC® Cash Back MasterCard Apply Now

RBC® Cash Back MasterCard

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

0.00%1

  • Earn 2% cash back credits on grocery store purchases
  • Earn up to 1% cash back credits on all other purchases
  • Flexibility in redeeming your cash back credits

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® Cash Back MasterCard

TrueLine MasterCard® credit card - rates between 5.99% - 14.99% Apply Now

TrueLine MasterCard® credit card - rates between 5.99% - 14.99%

Interest on:

Annual Fee

$0

Purchases

0.00%1

Cash Advances

24.99%

Balance Transfers

0.00%2


With the MBNA TrueLine MasterCard credit card, your tailored annual interest rate could fall between 5.99% and 14.99%, depending on your credit worthiness. Simply complete our form to get started.

  • $0 annual fee
  • A tailored annual interest rate of 5.99%, 7.99%, 9.99%, 12.99% or 14.99% on all purchases, balance transfers*, and deposits*
  • Tailored annual interest rates are dependent on your credit worthiness
  • The annual interest rate for ATM and over-the-counter transactions is 24.99%
  • Enhanced security and protection with Chip and PIN technology
  • Notes:
    1. 5.99% - 14.99%
    2. 1% of amount advanced (minimum fee $7.50)

    American Express® AIR MILES® Credit Card Apply Now

    American Express® AIR MILES® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%1

    Cash Advances

    19.99%

    Balance Transfers

    n/a

    • Earn a Bonus of 500 AIR MILES®* reward miles the first time you use an approved Card
    • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
    • Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else
    • Shop at participating AIR MILES®* Sponsors across Canada with your American Express® AIR MILES®* Credit Card and 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 movie tickets to electronics, travel and more
    • Special interest rate on purchases: 2.99% special interest rate on purchases for the first 12 months of Cardmembership, 19.99% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time
    • 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

    Notes:
    1. 2.99% on purchases for 12 months
    More information about the American Express® AIR MILES® Credit Card

    Capital One® Aspire Travel™ Platinum MasterCard® Apply Now

    Capital One® Aspire Travel™ Platinum MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.80%1

    Cash Advances

    19.80%2

    Balance Transfers

    19.80%3

    • Earn reward miles – with no annual fee!
    • Earn 1 reward mile for every $1 spent – on all purchases
    • Get 5,000 bonus reward miles with your first purchase
    • Get 25% extra reward miles every year
    • Annual interest rate of Prime +16.8%

    Notes:
    1. This is a variable rate of Prime + 16.8%, currently equal to 19.8%
    2. This is a variable rate of Prime + 16.8%, currently equal to 19.8%
    3. This is a variable rate of Prime + 16.8%, currently equal to 19.8%

    CFL® mbna rewards MasterCard® credit card Apply Now

    CFL® mbna rewards <i>MasterCard®</i> credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%

    Balance Transfers

    21.99%


    Redeem points for rewards you want—Canadian Football League Memorabilia, exclusive experiences and merchandise

    • Earn 1 mbna rewards point for every $1 in eligible purchase transactions‡
    • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
    • Brand-name merchandise and gift cards from top retailers
    • 1,000 bonus points after your first eligible purchase††
    • 1,000 bonus mbna rewards points every year on your Account anniversary‡
    • Enhanced security and protection with Chip & PIN technology and PayPass

    More information about the CFL® mbna rewards MasterCard® credit card

    L’earn® VISA* card Apply Now

    L’earn® VISA* card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.99%

    Balance Transfers

    21.99%

    Accelerated Moneyback reward program designed with students in mind

    • Earn up to 1% Moneyback every year on the purchases you've made with your card
    • 20% discount rates at Avis Car Rental

    More information about the L’earn® VISA* card

    MBNA Best Western MasterCard® Credit Card Apply Now

    MBNA Best Western MasterCard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%1

    Cash Advances

    19.99%2

    Balance Transfers

    19.99%3


    Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase††

    • Earn Best Western Rewards points for your everyday expenses!
    • Earn 1.5 Best Western Rewards points for every $1 in eligible purchases‡
    • Receive 50 Best Western Rewards points for every cash advance transaction over $50‡
    • Receive a one tier elite status upgrade within the Best Western Rewards program when you spend $6,000 on your card within one year♦♦
    • Earn even more Best Western Rewards points by staying at Best Western hotels or spending with our retail partners

    Notes:
    1. Balance Transfer Rate - APR - 1.99% for your first 10 billing cycles
    2. 1% of amount advanced (minimum fee $7.50)
    3. 1% of amount advanced (minimum fee $7.50)
    More information about the MBNA Best Western MasterCard® Credit Card

    MBNA CAA-Quebec Dollars Platinum Plus MasterCard Apply Now

    MBNA CAA-Quebec Dollars Platinum Plus MasterCard

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    19.99%

    Balance Transfers

    1.99%1


    On top of 2¢ per litre of gas earned in CAA-Quebec Dollars when you show your CAA-Quebec membership card at the Couche-Tard counter◊◊, receive up to 2% in CAA-Quebec Dollars on all your eligible purchases‡ — including gas — at participating Couche-Tard outlets

    • No annual fee
    • Earn up to 1% in CAA-Quebec Dollars‡ on your other eligible purchases
    • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
    • Unparalleled 24-hour customer service
    • Online access to your credit card account
    • International acceptance at millions of locations
    • Enhanced security and protection with Chip & Pin technology
    • and PayPass

    Notes:
    1. For the first 10 months, 19.99% thereafter.

    MBNA More Rewards MasterCard Apply Now

    MBNA More Rewards MasterCard

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    19.99%

    Balance Transfers

    1.99%1


    25,000 Bonus points†† with the More Rewards credit card

    • No annual fee
    • Earn 3 points‡ for every $1 in eligible purchases virtually everywhere you shop using your More Rewards MasterCard credit card
    • Earn 4 pointsA for every $1 in eligible purchases at Save-On-Foods, Overwaitea Foods, Cooper's Foods, PriceSmart Foods or Urban Fare stores using your More Rewards credit card and More Rewards loyalty card together
    • Redeem your points for travel, merchandise, gift cards, charitable donations and select in-store grocery merchandise
    • 1.99% promotional annual interest rate† (AIR) on balance transfers* and deposits* for the first 6 full months,
    • Free online access to your credit card account
    • Free around-the-clock fraud protection

    Notes:
    1. For the first 6 billing cycles, 19.99% thereafter.
    More information about the MBNA More Rewards MasterCard

    MBNA Platinum Plus® MasterCard® Credit Card Apply Now

    MBNA Platinum Plus® MasterCard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    0% annual interest rate† (AIR) on balance transfers* and deposits* for the first 12 full months

    • Around-the-clock fraud protection
    • Online access to your credit card account
    • Unparalleled 24-hour customer service
    • International acceptance at millions of locations
    • No annual fee
    • Enhanced security and protection with Chip & PIN technology and PayPass

    Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)

    MBNA Rewards Studentawards Credit Card Apply Now

    MBNA Rewards Studentawards Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    19.99%

    Balance Transfers

    19.99%


    Earn 1 mbna rewards point for every qualifying $1 spent on retail transactions‡

    • 1,000 bonus points after your first eligible purchase††
    • 1,000 bonus points each year on your account anniversary date‡
    • Redeem points for cash back, charitable donations, travel, brand-name merchandise and gift cards from top retailers
    • No annual fee
    • No Rewards Point Limits

    More information about the MBNA Rewards Studentawards Credit Card

    NFL®MasterCard® credit card Apply Now

    NFL®<i>MasterCard®</i> credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    16.99%

    Cash Advances

    24.99%

    Balance Transfers

    18.99%


    1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months

    • No annual fee
    • Credit limit up to $100,000
    • Around-the-clock fraud protection
    • Unparalleled 24-hour customer service
    • Online access to your credit card account
    • International acceptance at millions of locations
    • Immediate cash access at 430,000 ATMs internationally
    • Enhanced security and protection with Chip & PIN technology and PayPass

    More information about the NFL®MasterCard® credit card

    No-Fee Scotiabank Value® VISA* card Apply Now

    No-Fee Scotiabank Value® VISA* card

    Interest on:

    Annual Fee

    $0

    Purchases

    16.99%

    Cash Advances

    16.99%

    Balance Transfers

    16.99%


    Save hundreds of dollars a year

    3.99% interest rate on cash advances and balance transfers for the first six months for accounts opened by June 30, 2014

    • 16.99% interest rate
    • Pay down balances faster
    • Simplify your monthly payments
    • Interest free grace period of at least 21 days on purchases
    • Save hundreds of dollars a year
    • 20% AVIS rental card discount

    More information about the No-Fee Scotiabank Value® VISA* card

    No-Fee ScotiaGold® VISA* Card Apply Now

    No-Fee ScotiaGold® VISA* Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.99%

    Balance Transfers

    21.99%

    Essential travel benefits with no annual fee

    • Rental Car Collision Insurance
    • 20% Avis rental car discount
    • Rental Car Collision Insurance
    • 20% discount rates at Avis Car Rental
    • Commission-free Travellers Cheques

    More information about the No-Fee ScotiaGold® VISA* Card

    Scotia Momentum® No-Fee VISA* Card Apply Now

    Scotia Momentum® No-Fee VISA* Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.99%

    Balance Transfers

    21.99%


    Cash back on everyday spending.

    1.99% interest rate on cash advances and balance transfers for the first six months for accounts opened by June 30, 2014

    • 1% on eligible gas station, grocery store and drug store purchases and recurring bills
    • 0.5% cash back on all other eligible purchases
    • 20% AVIS rental card discount

    More information about the Scotia Momentum® No-Fee VISA* Card

    Scotiabank SCENE VISA® Card Apply Now

    Scotiabank SCENE VISA® Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.99%

    Balance Transfers

    21.99%


    Free movies and more.

    4,000 bonus SCENE points for accounts opened by October 31,2014

    • 4,000 bonus SCENE points - that’s four free movies
    • Earn one SCENE point for every dollar you spend
    • Earn five SCENE points for every dollar you spend at participating Cineplex Entertainment theatre or online at cineplex.com
    • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards
    • No annual fee
    • 20% AVIS rental card discount
    • VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.

    More information about the Scotiabank SCENE VISA® Card

    SimplyCash™ Card from American Express® Apply Now

    SimplyCash™ Card from American Express®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.75%

    Cash Advances

    21.99%

    Balance Transfers

    0.00%

  • 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 Cardmembership
  • Earn 1.25% cash back on all other purchases and when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • No annual fee for Supplementary Cards
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service

  • 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

    More information about the SimplyCash™ Card from American Express®

    Toronto Blue JaysTM mbna MasterCard® credit card Apply Now

    Toronto Blue JaysTM mbna <i>MasterCard®</i> credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    16.99%

    Cash Advances

    24.99%

    Balance Transfers

    18.99%


    1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months

    • No annual fee
    • Credit limit up to $100,000
    • Around-the-clock fraud protection
    • Unparalleled 24-hour customer service
    • Online access to your credit card account
    • International acceptance at millions of locations
    • Immediate cash access at 430,000 ATMs internationally
    • Enhanced security and protection with Chip & PIN technology and PayPass
    • ™TORONTO BLUE JAYS, split type front, and all related marks, designs and photographs are trademarks and/or copyright of Rogers Blue Jays Baseball Partnership (“RBJBP”). © RBJBP 2014.

    Best Buy® Reward Zone Visa® Apply Now

    Best Buy® Reward Zone Visa®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    n/a1

    Balance Transfers

    n/a2

    • Earn 1 point for nearly every $1 spent at the millions of locations Visa is accepted
    • Earn 2 points for nearly every $1 spent at any Best Buy Canada store or on BestBuy.ca
    • Take advantage of exclusive offers, promotions, pre-sales and entertainment bonuses

    Notes:
    1. Interest rate not mentioned on website.
    2. Interest rate not mentioned on website.
    More information about the Best Buy® Reward Zone Visa®

    Canadian Tire Cash Advantage MasterCard® Apply Now

    Canadian Tire Cash Advantage MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%1

    Cash Advances

    n/a2

    Balance Transfers

    n/a3

    • Earn up to 1.5% cash back on all your eligible purchases
    • Earn up to 3% cash back at Canadian Tire stores, Canadian Tire gas bars and Mark’s Work Wearhouse/L’Équipeur stores
    • Get unlimited cash back with no annual fee
    • Get your cash back automatically applied to your account every year

    Notes:
    1. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
    2. Interest rate not mentioned on website.
    3. Interest rate not mentioned on website.
    More information about the Canadian Tire Cash Advantage MasterCard®

    Canadian Tire Curve™ MasterCard® Apply Now

    Canadian Tire Curve™ MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%1

    Cash Advances

    n/a2

    Balance Transfers

    n/a3

    • Get up to 1.5% cash back everywhere you shop (0.25% on the first $1,500, 0.50% between $1,500 and $3,000, 1.0% between $3,000 and $24,000, and 1.5% above $24,000)
    • Get up to 3% cash back at Canadian Tire stores, Canadian Tire gas bars and Mark’s Work Wearhouse/L’Équipeur stores
    • Earn unlimited Cash on the Curve rewards that never expire
    • Enjoy automatic redemption as an annual credit to your Curve MasterCard account or call to redeem anytime

    Notes:
    1. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
    2. Interest rate not mentioned on website.
    3. Interest rate not mentioned on website.
    More information about the Canadian Tire Curve™ MasterCard®
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