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.

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

MBNA Sony Card MasterCard® Credit Card Apply Now

MBNA Sony Card MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

1.99%1

Until March 31, 2014: Receive $100 in Sony Points††(10,000 Bonus Sony Points) if you apply, get approved for a SonyCard MasterCard® credit card and spend at least $1000 on your card on eligible purchases almost anywhere by June 30th, 2014

  • No annual fee
  • Earn DOUBLE Sony Points‡ on eligible purchases of Sony products made on your SonyCard MasterCard credit card at sony.ca or the Sony store
  • Earn 1 Sony Point‡ for every $1 in eligible purchases, everywhere else
  • Redeem Sony Points‡ toward any Sony product online at sony.ca. Choose from the latest in audio, video, gaming and more
  • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months from the date the account is opened
  • 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 MasterCard® Credit Card

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

MBNA TrueLine MasterCard® Credit Card Apply Now

MBNA TrueLine MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

9.99%

Cash Advances

24.99%

Balance Transfers

9.99%

  • 9.99% annual interest rate on eligible purchases
  • No annual fee
  • Exclusive Platinum benefits and peace of mind
  • Add authorized users at no additional cost
  • Around the clock fraud protection
  • Enhanced security and protection with Chip & Pin technology

More information about the MBNA TrueLine MasterCard® Credit Card

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 MasterCard® credit card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

24.99%

Balance Transfers

21.99%

  • Earn 1 mbna rewards point for every $1 in eligible purchase transactions‡
  • Redeem points for rewards you want—Canadian Football League Memorabilia, exclusive experiences and merchandise
  • 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%

Cash Advances

19.99%1

Balance Transfers

19.99%2

  • Earn Best Western Rewards points for your everyday expenses!
  • Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase††
  • 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. +1% Fee
  2. +1% Fee
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

  • No annual fee
  • 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
  • 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 Choice Privileges MasterCard® Credit Card Apply Now

MBNA Choice Privileges MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%1

Balance Transfers

1.99%2

Until June 9, 2014 only, earn up to 24,000 points1 - enough for 3 up to FREE Nights1 at over 1,500 Choice Privileges® locations across North America!

  • Up to 15 points for every $1 in eligible purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, Mexico, and Australasia2
  • 2 points for every $1 spent on everyday eligible purchases‡

Plus, get automatically upgraded to Elite Gold status, which gives you:

  • The ability to book free nights 50 days in advance instead of 30 days
  • A 10% point bonus on every eligible stay

Notes:
  1. 1.99% for your first 6 billing cycles, 19.99% thereafter
  2. 1.99% for your first 6 billing cycles, 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

  • No annual fee
  • Earn 3 points‡ for every $1 in qualifying purchases virtually everywhere you shop using your More Rewards MasterCard credit card
  • Earn 4 pointsA for every $1 in qualifying net retail 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%

Balance Transfers

21.99%1

  • 0% annual interest rate† (AIR) on balance transfers*, access cheques 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. For the first 12 billing cycles, 19.99% thereafter.

MBNA Studentawards MasterCard Apply Now

MBNA Studentawards MasterCard

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 qualifying 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 Studentawards MasterCard

NFL®MasterCard® credit card Apply Now

NFL®MasterCard® credit card

Interest on:

Annual Fee

$0

Purchases

16.99%

Cash Advances

24.99%

Balance Transfers

18.99%

  • No annual fee
  • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
  • 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

  • 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% 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

  • 2,000 bonus SCENE points - that’s two 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

The TrueEarnings® Card from Costco and American Express Apply Now

The TrueEarnings® Card from Costco and American Express

Interest on:

Annual Fee

$0

Purchases

19.75%1

Cash Advances

19.75%

Balance Transfers

n/a2

  • You can earn cash back when you use your TrueEarnings® Card inside and outside of Costco.
  • Plus, there’s no limit to the amount of cash back you can earn annually.
  • Earn 3% CASH BACK on eligible restaurant purchases
  • Earn UP TO 2% CASH BACK on eligible gas purchases
  • Earn UP TO 1% CASH BACK on everyday purchases - including at Costco®†
  • Add a FREE Supplementary Card – that person just needs to be a current member on your Costco account
  • Show your TrueEarnings Card for entry into any Costco warehouse and use it to pay for your purchases
  • Enjoy a special low interest rate on purchases: 2.99% for the first 6 months of Cardmembership, 19.75% 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 6 months
  2. Interest rate not mentioned on website.

Toronto Blue JaysTM mbna MasterCard® credit card Apply Now

Toronto Blue JaysTM mbna MasterCard® credit card

Interest on:

Annual Fee

$0

Purchases

16.99%

Cash Advances

24.99%

Balance Transfers

18.99%

  • No annual fee
  • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
  • 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

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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