Featured Credit Cards
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.
Detailed view | Quick comparison table
Sort results by: Name | Annual Fee | Purchases | Cash Advances | Balance Transfers
Capital One® Aspire Cash™ Platinum MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases16.80%1 |
Cash Advances16.80%2 |
Balance Transfers16.80%3 |
- Earn cash rewards and pay no annual fee!
- 1% cash rewards on all net purchases
- 25% extra cash rewards every year
- $50 bonus cash reward on your first purchase
- No limit to the amount of cash you can earn
- Add an authorized user for $0, and earn even more cash
- Valuable Platinum benefits including Purchase Assurance and Extended Warranty
Notes:
MBNA Platinum Plus® MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.99% |
Cash Advances19.99% |
Balance Transfers0.00%1 |
- 0% annual interest rate (AIR) on balance transfers, access cheques and deposits for the first 10 full months
- Credit limit up to $100,000
Notes:
MBNA Sony Card MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances1.99%1 |
Balance Transfers1.99%2 |
- Earn Sony Points with every net retail purchase made on your Sony Card MasterCard®
- Get 2,000 Sony Points after your first qualifying transaction
- Earn Double Sony Points with every purchase of Sony products at SonyStyle.ca or the Sony store/Maison Sony
- Redeem Sony Points toward any Sony product at SonyStyle.ca or authorized Sony dealer
Notes:
- For the first 6 billing cycles, 19.99% thereafter.
- For the first 6 billing cycles, 19.99% thereafter.
RBC® Cash Back MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfers0.00%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:
MBNA Smart Cash Platinum Plus® MasterCard Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfers1.99%1 |
- Earn 5% cash back on net gas and grocery purchases for the first 6 months
- Earn 3% cash back on net gas and grocery purchases thereafter
- Earn 1% cash back on all other qualifying net retail purchases
- Receive 1.99% introductory annual interest rate on balance transfers and cheque cash advances for 10 full months
- Receive a cheque from us automatically once your cash back totals at least $50 at the end of a monthly billing cycle
Notes:
MBNA TrueLine MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases9.99% |
Cash Advances9.99% |
Balance Transfers9.99% |
- Low annual interest rate of 9.99% for purchases, balance transfers, access cheques and deposits
- Exclusive Platinum benefits and peace of mind
American Express® AIR MILES® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases2.99%1 |
Cash Advances19.99% |
Balance Transfers19.99% |
- Earn a Welcome Bonus of 150 reward miles the first time you use the card
- Earn 1 reward mile for every $15 in card purchases at AIR MILES® Sponsors
- Earn 1 reward mile for every $20 in card purchases everywhere else
- As well, shop at participating AIR MILES®* Sponsors across Canada with your Card and your AIR MILES®* Collector Card, and you can earn reward miles from both
Notes:
Capital One Fusion™ Platinum MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases9.90% |
Cash Advances19.80% |
Balance Transfers9.90% |
- The low interest rate you need with rewards you want
- 5,000 bonus reward miles on your first purchase
- Earn 1 reward mile for every $2 – on everything you buy
- Guaranteed rate of 9.9% fixed on purchases and balance transfers
Capital One Priority Club® Platinum MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.80% |
Cash Advances19.80% |
Balance Transfers19.80% |
- 15,000 bonus Priority Club points with your first purchase
- 2 points for every $1 spent at any hotel within the Priority Club Rewards Family of Brands
- 1 point for every $1 on all other net purchases
- 5,000 annual bonus points when you spend over $10,000
- Gold Elite Priority Club status for your first year
- Valuable Platinum MasterCard benefits including Travel and Car Rental Insurance
Capital One® Aspire™ Travel Platinum MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases16.80%1 |
Cash Advances16.80%2 |
Balance Transfers16.80%3 |
- Earn reward miles - with no annual fee!
- No Annual Fee
- Earn 1 reward mile for every $1 spent - on all purchases
- 10,000 bonus reward miles with your first purchase
- 25% extra anniversary bonus reward miles every year
- Redeem for travel, cash, merchandise or gift cards
Notes:
Capital One® Delta SkyMiles® Gold MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.80% |
Cash Advances19.80% |
Balance Transfers19.80% |
- Earn Delta Miles on everything you buy
- 2,500 bonus Delta miles with first purchase
- 1 Delta mile for every $1 you spend on Delta purchases
- 1 Delta mile per $2 for all other net purchases
- Gold benefits including Purchase Assurance
Capital One® SmartLine™ Platinum MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases5.99%1 |
Cash Advances19.80% |
Balance Transfers5.99%2 |
- No annual fee, annual interest rate for cash advances is 19.8%
- Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
- After 3 years, your rate will become a variable rate of Prime +4.99% on purchases and balance transfers
- Save money when you transfer high-interest debt with our no-fee balance transfer service
Notes:
MBNA Best Western MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99%1 |
Balance Transfers19.99%2 |
- Earn 1.5 Best Western Rewards points for every $1 in net retail purchases
- Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase
- Receive 50 Best Western Rewards points for every cash advance transaction over $50
- Earn additional Best Western Rewards points from our retail partners
Notes:
MBNA CAA Quebec MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases14.99% |
Cash Advances16.99% |
Balance Transfers3.99%1 |
- On top of the 2¢ per litre of gas earned in CAA-Quebec Dollars when you show your CAA-Quebec membership card at the counter when filling up on gas at participating Couche-Tard outlets, you receive an additional 2% rebate by paying with your CAA-Quebec MasterCard credit card on all your qualifying purchases - including gas - at participating Couche-Tard outlets that sell gas
- This 2% is added to the 0.5% rebate you earn each time you use your CAA-Quebec MasterCard credit card
- 3.99% annual interest rate (AIR) on balance transfers, access cheques and deposits for the first 6 full months
- Please note you must be a member of the Quebec CAA to apply for this card
Notes:
MBNA Choice Privileges MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases16.99% |
Cash Advances1.99%1 |
Balance Transfers1.99%2 |
- Earn 2 free nights at over 1,500 hotels across North America
- Earn 2 points for every qualifying net retail $1 spent on everyday purchases
- Earn up to 15 points for every $1 in qualifying net retail purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, the Middle East, Mexico, Central America, the Caribbean and Australasia
- Apply by June 13, 2012 and you'll earn up to 16,000 points – that's enough for two free nights* at over 1,500 locations across North America!
Notes:
- For the first 6 billing cycles, 18.99% thereafter.
- For the first 6 billing cycles, 18.99% thereafter.
American Express® AIR MILES® Gold Business Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99%1 |
Cash Advances19.99%2 |
Balance Transfersn/a3 |
- Now small business owners can carry a balance and turn business purchases into AIR MILES® reward miles. Get the purchasing power and customer support of American Express, all with no annual fee
- Receive 100 Bonus reward miles: As a special thank you, receive 100 Bonus reward miles when you use your Gold Business Card for the first time
- Earn 1 AIR MILES® reward mile for every $20 in purchases
Notes:
- Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
- Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
- Interest rate not mentioned on website.
American Express® Blue Sky™ 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfersn/a1 |
- Earn 1.25 Blue Sky points for every dollar in card purchases
- Earn 12,000 Bonus Points if you spend $3,000 in purchases in your first 6 months of Cardmembership
- Redeem Blue Sky points with no blackout dates, expiration dates or other travel restrictions
Notes:
American Express® Business Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99%1 |
Cash Advances19.99%2 |
Balance Transfers0.00%3 |
- No-fee, cash rebate credit card for all your business purchases
- Earn a cash rebate of up to $1,250 each year - depending on your spending and the number of months you carry a balance
Notes:
- Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
- Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
- Interest rate not mentioned on website.
American Express® Holt Renfrew Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99%1 |
Cash Advances19.99%2 |
Balance Transfersn/a3 |
- Earn 1 Holt Renfrew Rewards point for virtually every $1 you charge to the card, and earn 40% more points when you make purchases on the card at Holt Renfrew
- Redeem your points for Holt Renfrew gift cards; use the Gift Card on designer clothes, gifts and more in store. Best of all, there's no annual fee
Notes:
- Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
- Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
- Interest rate not mentioned on website.
Best Buy® Reward Zone Visa® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advancesn/a1 |
Balance Transfersn/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:
BMO AIR MILES MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50% |
Balance Transfers19.50% |
- Earn 1 AIR MILES reward mile for every $20 in card purchases
- Earn 1.5x reward miles at Shell, National Car Rental & Alamo Rent A Car
- Get an affinity card that supports your cause
Notes:
BMO AIR MILES MasterCard for Business 
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Interest on: |
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|---|---|---|---|
Annual Fee$01 |
Purchases19.50%2 |
Cash Advances19.50%3 |
Balance Transfers19.50% |
- 3 AIR MILES reward levels to choose from
- Gold - earn 1 reward mile for every $15 spent, double reward miles at Shell, double reward miles and 15% rental discount at National Car Rental ($105 annual fee for owner card)
- Silver - earn 1 reward mile for every $20 spent, 1.5x reward miles at Shell, double reward miles and 10% rental discount at National Car Rental ($60 annual fee for owner card)
- Bronze - earn 1 reward mile for every $40 spent, double reward miles at National Car Rental (no annual fee for owner card)
- Available in Canadian or U.S. Dollar currency
Notes:
- per year for Bronze, $60 per year for Silver, $105 per year for Gold.
- Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
- Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
BMO CashBack MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50% |
Balance Transfers19.50% |
- Earn 0.5% CashBack on every card purchase
- Earn 1.5% CashBack at Shell, National Car Rental & Alamo Rent A Car
- Up to 25% rental discount at National Car Rental & Alamo Rent A Car
- Get an affinity card that supports your cause
Notes:
BMO Preferred Rate MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.50%1 |
Cash Advances17.50% |
Balance Transfers17.50% |
- Get a lower interest rate on every transaction you make
- 17.5% interest rate with no annual fee
Notes:
BMO Prepaid Travel MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$101 |
Purchasesn/a2 |
Cash Advancesn/a3 |
Balance Transfersn/a4 |
- Safe and convenient alternative to cash or travellers cheques
- Prepaid MasterCard is paid in advance and is easy to reload
- Load your card as a bill payment from any bank account at most financial institutions
- Never pay interest



