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%

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

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 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)

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®

    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®

    Canadian Tire Gas Advantage MasterCard® Apply Now

    Canadian Tire Gas Advantage MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%1

    Cash Advances

    n/a2

    Balance Transfers

    n/a3

    • Save up to 10¢ per litre at Canadian Tire Gas Bars
    • Use the Gas Advantage MasterCard for your everyday purchases and you'll save instantly right at the pump
    • Enjoy Cardmember Exclusive savings at Canadian Tire

    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 Gas Advantage MasterCard®

    Canadian Tire Options MasterCard® Apply Now

    Canadian Tire Options MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%1

    Cash Advances

    n/a2

    Balance Transfers

    n/a3

    • Earn Canadian Tire 'Money' rewards everywhere you shop
    • Redeem your Canadian Tire 'Money' On The Card® awards at any Canadian Tire store
    • Enjoy Cardmember exclusive offers

    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 Options MasterCard®

    Chase Gold MasterCard® Apply Now

    Chase Gold MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    18.99%

    Cash Advances

    n/a1

    Balance Transfers

    n/a2

    • Comes with an unmatched array of benefits and services
    • Protected with Zero Liability on unauthorized purchases
    • Cash access at nearly 1 million locations and international acceptance

    Notes:
    1. Interest rate not mentioned on website.
    2. Interest rate not mentioned on website.
    More information about the Chase Gold MasterCard®

    CIBC bizline™ VISA® Card for Small Business Apply Now

    CIBC bizline™ VISA® Card for Small Business

    Interest on:

    Annual Fee

    $0

    Purchases

    n/a1

    Cash Advances

    n/a2

    Balance Transfers

    n/a3

    • With an interest rate as low as 1.5% above prime, and credit limit as high as $50,000, the CIBC bizline VISA Card is your connection to everything from paperclips to payroll, client lunches to accountants' bills
    • CIBC CreditSmart™, a revolutionary array of new credit management features

    Notes:
    1. Interest rate will range between CIBC Prime Rate +1.5% and Prime Rate +11%, depending on personal credit bureau information.
    2. Interest rate not mentioned on website.
    3. Interest rate not mentioned on website.

    CIBC Classic VISA® Card Apply Now

    CIBC Classic VISA® Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.50%

    Balance Transfers

    21.50%

    • Everyday convenience
    • Get Purchase Security and Extended Protection Insurance when your purchases are charged to your card. Increase the manufacturer's original Canadian or U.S. warranty on most items purchased with the card, up to one additional year
    • Enjoy the speed and convenience of Visa payWave

    More information about the CIBC Classic VISA® Card

    CIBC Classic VISA® Card for Students Apply Now

    CIBC Classic VISA® Card for Students

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.50%

    Balance Transfers

    n/a1

    • Protect your purchases with automatic replacement, repair or reimbursement coverage for most personal items, if lost, stolen or damaged within 90 days of purchase with the card
    • Extended protection. Doubles the original Canadian or U.S. manufacturer's warranty automatically, up to one additional year on most items purchased with the card
    • CIBC CreditSmart®, a revolutionary array of smart credit management features

    Notes:
    1. Interest rate not mentioned on website.
    More information about the CIBC Classic VISA® Card for Students

    CIBC Dividend Card Apply Now

    CIBC Dividend Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    n/a1

    Balance Transfers

    n/a2

    • Earn up to 1% cash back on net purchases you make with your card
    • Purchase Security and Extended Protection Insurance - Protect your personal purchases with automatic coverage for replacement, repairs or reimbursement on most purchases when charged to your card
    • CIBC CreditSmart®, a revolutionary array of smart credit management features

    Notes:
    1. Interest rate not mentioned on website.
    2. Interest rate not mentioned on website.
    More information about the CIBC Dividend Card

    CIBC Platinum VISA® Card Apply Now

    CIBC Platinum VISA® Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.50%

    Balance Transfers

    n/a1

    • Enjoy a host of genuine CIBC Platinum Visa features, such as a credit limit of at least $5,000 and a bundle of no-fee insurances
    • Get Purchase Security and Extended Protection Insurance when your purchases are charged to your card. Increase the manufacturer's original Canadian or U.S. warranty on most items purchased with the card, up to one additional year

    Notes:
    1. Interest rate not mentioned on website.
    More information about the CIBC Platinum VISA® Card

    Desjardins VISA® - Classic Apply Now

    Desjardins VISA® - Classic

    Interest on:

    Annual Fee

    $0

    Purchases

    19.40%1

    Cash Advances

    19.40%

    Balance Transfers

    19.40%

    • Accord D Desjardins, a second, separate credit limit
    • Cash advances up to $2,500 a day, anywhere in the world

    Notes:
    1. Low annual interest rate option of 11.8% for $30 per year.
    More information about the Desjardins VISA® - Classic

    Desjardins VISA® - Elegance GOLD Apply Now

    Desjardins VISA® - Elegance GOLD

    Interest on:

    Annual Fee

    $0

    Purchases

    19.90%1

    Cash Advances

    19.90%

    Balance Transfers

    19.90%

    • Earn up to 1% of your purchases in BONUSDOLLARS
    • Rewards program allows you to accumulate BONUSDOLLARS and exchange them against travel, gifts, tickets to shows and Desjardins products and services
    • Insurance in case of loss, theft, damage or fire for most goods purchased with your card
    • Accord D Desjardins financing, a second, separate credit limit
    • Cash advances up to $5,000 a day, anywhere in the world

    Notes:
    1. Low annual interest rate option of 12.8% for $30 per year.
    More information about the Desjardins VISA® - Elegance GOLD
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