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 |
Purchases19.80%1 |
Cash Advances19.80%2 |
Balance Transfers19.80%3 |
- Earn cash rewards and pay no annual fee!
- Earn 1% cash rewards on all net purchases
- Get 25% extra cash rewards every year
- No limit to the amount of cash you can earn
- Annual interest rate of Prime +16.8%
Notes:
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
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 |
- 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
- no annual fee and free additional cards
Notes:
MBNA Sony Card 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 Sony Points on qualifying net retail purchases made using your Sony Card MasterCard®‡
- Get 2,000 Sony Points after your first qualifying transaction††
- Earn Double Sony Points with every qualifying net retail purchase of Sony products at SonyStyle.ca or the Sony store/ Maison Sony‡
- Redeem Sony Points toward any Sony product at SonyStyle.ca
- Browse through the complete SonyStyle.ca catalogue including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media and so much more!
- Enhanced security and protection with Chip & PIN technology and PayPass
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 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 |
Purchases19.99%1 |
Cash Advances19.99% |
Balance Transfers19.99% |
- Earn a Welcome Bonus of 150 AIR MILES®* reward miles the first time you use the 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
- 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.
Notes:
Capital One® Aspire Travel™ Platinum MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.80%1 |
Cash Advances19.80%2 |
Balance Transfers19.80%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:
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
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 with no annual fee!
- Get 2,500 bonus Delta miles on your first purchase made within the first three months of account enrolment
- Earn 2 Delta miles for every $1 you spend on Delta purchases
- Earn 1 Delta mile for every $1 on all other net purchases
- Annual interest rate of 19.8%
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
- Get 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 (as long as you pay your bills on time)
- Annual interest rate for cash advances is 19.8%
- No annual fee
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% |
- Get 15,000 bonus Priority Club points with your first purchase
- Earn 2 points for every $1 spent at any hotel within the Priority Club Rewards Family of Brands
- Earn 1 point for every $1 on all other net purchases
- Get 5,000 annual bonus points when you spend over $10,000
- No annual fee
- Annual interest rate of 19.8%
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 |
- Enjoy a low, long-term rate of 5.99% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time)
- After 3 years your rate will stay low and become a variable rate of Prime +6.99% on purchases and balance transfers
- Annual interest rate for cash advances is 19.8%
- No annual fee
Notes:
- 5.99% for 3 years – after that, it becomes Prime +6.99%.
- 5.99% for 3 years – after that, it becomes Prime +6.99%.
L’earn® VISA* card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances21.99% |
Balance Transfers21.99% |
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
- VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.
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 |
- Receive a total rebate of 2% in CAA-Quebec Dollars on all your qualifying purchases — including gas — at participating Couche-Tard outlets that sell gas‡
- Even better! Virtually everywhere else, earn a 1% rebate in CAA-Quebec Dollars‡ on your other qualifying purchases
- Earn 2¢ in CAA-Quebec Dollars per litre of gas when you show your CAA-Quebec membership card at the Couche-Tard counter◊◊
- 3.99% annual interest rate† (AIR) on balance transfers*, access cheques and deposits* for the first 6 full months
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 1 free night 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
Notes:
- For the first 6 billing cycles, 18.99% thereafter.
- For the first 6 billing cycles, 18.99% thereafter.
MBNA Platinum Plus® MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.99% |
Cash Advances24.99% |
Balance Transfers0.00%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:
No-Fee Scotiabank Value® VISA* card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases16.99% |
Cash Advances16.99% |
Balance Transfers16.99% |
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
- VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.
No-Fee ScotiaGold® VISA* Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances21.99% |
Balance Transfers21.99% |
Essential travel benefits with no annual fee
- Rental Car Collision Insurance
- 20% Avis rental car discount
- Commission-free Travellers Cheques
- VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.
Scotia Momentum® No-Fee VISA* Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances21.99% |
Balance Transfers21.99% |
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
Scotiabank SCENE VISA® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances21.99% |
Balance Transfers21.99% |
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.
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


