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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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%

More information about the SimplyCash Card from American Express

American Express AIR MILES Credit Card Apply Now

American Express AIR MILES Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

n/a

  • New American Express® AIR MILES®* Credit Card* Cardmembers, 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 card and show your 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 electronics to travel and more
  • 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 American Express AIR MILES Credit Card

Best Western MasterCard® credit card Apply Now

Best Western MasterCard® credit card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

24.99%1

Balance Transfers

21.99%2

You could get a FREE night with the Best Western Rewards® MasterCard® credit card

  • Receive 20,000 bonus Best Western Rewards® points†† after your first eligible purchase - that's enough points for a free night at a Best Western® Hotel
  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months
  • Earn a Best Western one-tier Elite Status upgrade when you spend $6,000 in eligible purchases within one year◊◊
  • Earn 1.5 Best Western Rewards® points for every $1 in eligible purchases
  • Potential to earn additional Best Western Rewards® points from some of our retail partners
  • No annual fee
  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)
    More information about the Best Western MasterCard® credit card

    CAA-Quebec Dollars Platinum Plus MasterCard® credit card Apply Now

    CAA-Quebec Dollars Platinum Plus MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Earn CAA-Quebec Dollars faster with the CAA-Quebec Dollars Platinum Plus® MasterCard® credit card.

  • Earn 1% in CAA-Quebec Dollars on your eligible purchases
  • Earn an additional 1% in CAA-Quebec Dollars on eligible purchases, including gas at participating Couche-Tard locations
  • Earn an additional 20% CAA-Quebec Dollars on every eligible purchase when compared to the CAA-Quebec Dollars Platinum Plus® MasterCard® credit card with the CAA-Quebec Dollars World MasterCard® credit card††††
  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months.
  • Offer available only for CAA-Quebec members - register now
  • No annual fee
  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)

    Capital One® Aspire Cash™ Platinum MasterCard® Apply Now

    Capital One® Aspire Cash™ Platinum MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.65%1

    Cash Advances

    19.65%2

    Balance Transfers

    19.65%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%, equal to 19.65% as of February 2015
    2. This is a variable rate of Prime + 16.8%, equal to 19.65% as of February 2015
    3. This is a variable rate of Prime + 16.8%, equal to 19.65% as of February 2015

    Capital One® Aspire Travel™ Platinum MasterCard® Apply Now

    Capital One® Aspire Travel™ Platinum MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.65%1

    Cash Advances

    19.65%2

    Balance Transfers

    19.65%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%, equal to 19.65% as of February 2015
    2. This is a variable rate of Prime + 16.8%, equal to 19.65% as of February 2015
    3. This is a variable rate of Prime + 16.8%, equal to 19.65% as of February 2015

    Harley-Davidson® MasterCard® credit card Apply Now

    Harley-Davidson® MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    You could be one purchase away from winning a Harley-Davidson® motorcycle††

  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months
  • Earn 1 Genuine Rewards Point or every $2 in eligible purchases
  • Redeem your points for Harley Chrome® Cash to be used at participating Harley-Davidson Canadian retailers
  • Use your card for eligible purchases and you may be entered in a quarterly Harley-Davidson motorcycle draw
  • No annual fee
  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)
    More information about the Harley-Davidson® 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

    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, 2015

    • 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

    Platinum Plus® MasterCard® credit card - 0% for 12 Apply Now

    Platinum Plus® MasterCard® credit card - 0% for 12

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Simply your finances while enjoying platinum services

  • 0% promotional annual interest rate (AIR) on balance transfers for the first 12 full months
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMS worldwide
  • No annual fee
  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 0% for your first 12 billing cycles

    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

    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, 2015.

    • 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 31,2015

    • 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

    Sears Card Apply Now

    Sears Card

    Interest on:

    Annual Fee

    $0

    Purchases

    29.90%

    Cash Advances

    29.90%

    Balance Transfers

    29.90%

  • Receive a $30 Welcome Bonus* in Sears Club TM Points (upon approval).
  • Earn 2 Sears Club TM Points per $1 spent at Sears.
  • Accepted at Sears stores.
  • 1,000 points = $10 in free rewards at Sears.
  • Redeem towards almost anything at Sears or online at sears.ca
  • More information about the Sears Card

    Sears MasterCard® Apply Now

    Sears MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    19.99%

    Balance Transfers

    19.99%


    Enjoy the freedom of spending with no foreign currency transaction charges - usually 2.5 percent - when travelling abroad or making online purchases on international sites.

  • Receive a $30 Welcome Bonus* in Sears Club TM Points (upon approval).
  • Earn 2 Sears ClubTM Points per $1 spent at Sears.
  • Earn 1 point per $1 everywhere MasterCard® is accepted.
  • More information about the Sears MasterCard®

    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

    Smart Cash MasterCard® credit card Apply Now

    Smart Cash MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Make your shopping work for you. Get cash back on the most common purchases.

  • Get up to 5% cash back on eligible gas and grocery purchases for the first 6 months
  • Get up to 2% cash back on eligible gas and grocery purchases thereafter
  • Get up to 1% cash back for all other eligible purchases
  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months
  • If eligible, you will be considered for an upgrade to a Smart Cash World MasterCard® credit card††††
  • No annual fee
  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1.99% for your first 10 billing cycles
    More information about the Smart Cash MasterCard® credit card

    Sony Card MasterCard® credit card Apply Now

    Sony Card MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Receive 2,000 bonus Sony points after your first eligible purchase††

  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months.
  • Earn Sony Points on eligible purchases made using your Sony Card MasterCard®‡
  • Get 2,000 Sony Points after your first eligible transaction††
  • Earn double Sony Points on eligible purchases of Sony products at sony.ca or the Sony store / Maison Sony
  • Redeem Sony Points toward any Sony product online at sony.ca. Choose from the latest audio, video, gaming products and more

  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)
    More information about the Sony Card MasterCard® credit card

    StudentAwards MBNA Rewards MasterCard® credit card Apply Now

    StudentAwards MBNA Rewards MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2


    Establish your credit rating and earn great rewards with the StudentAwards MBNA Rewards MasterCard® credit card.

    Make your shopping work for you

  • Earn 1 MBNA Rewards point for every $1 in eligible purchases
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No limit to the points you earn
  • No annual fee
  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)

    American Express Blue Sky Apply Now

    American Express Blue Sky

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    19.99%

    Balance Transfers

    n/a1

  • New Blue Sky® Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership.
  • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card
  • 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
  • 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. Interest rate not mentioned on website.
    More information about the American Express Blue Sky

    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®
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