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

16.80%1

Cash Advances

16.80%2

Balance Transfers

16.80%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:
  1. +Prime
  2. +Prime
  3. +Prime

MBNA Platinum Plus® MasterCard® Credit Card Apply Now

MBNA Platinum Plus® MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

17.99%

Cash Advances

19.99%

Balance Transfers

0.00%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:
  1. For the first 10 billing cycles, 19.99% thereafter.

MBNA Sony Card MasterCard® Credit Card Apply Now

MBNA Sony Card MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

1.99%1

Balance Transfers

1.99%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:
  1. For the first 6 billing cycles, 19.99% thereafter.
  2. For the first 6 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 Smart Cash Platinum Plus® MasterCard Credit Card Apply Now

MBNA Smart Cash Platinum Plus® MasterCard Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

1.99%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:
  1. For the first 10 billing cycles, 19.99% thereafter.

MBNA TrueLine MasterCard® Credit Card Apply Now

MBNA TrueLine MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

9.99%

Cash Advances

9.99%

Balance Transfers

9.99%

  • Low annual interest rate of 9.99% for purchases, balance transfers, access cheques and deposits
  • Exclusive Platinum benefits and peace of mind

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

2.99%1

Cash Advances

19.99%

Balance Transfers

19.99%

  • 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:
  1. For the first 12 months, 19.99% thereafter.
More information about the American Express® AIR MILES® Credit Card

Capital One Fusion™ Platinum MasterCard® Apply Now

Capital One Fusion™ Platinum MasterCard®

Interest on:

Annual Fee

$0

Purchases

9.90%

Cash Advances

19.80%

Balance Transfers

9.90%

  • 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

More information about the Capital One Fusion™ Platinum MasterCard®

Capital One Priority Club® Platinum MasterCard® Apply Now

Capital One Priority Club® Platinum MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.80%

Cash Advances

19.80%

Balance Transfers

19.80%

  • 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® Apply Now

Capital One® Aspire™ Travel Platinum MasterCard®

Interest on:

Annual Fee

$0

Purchases

16.80%1

Cash Advances

16.80%2

Balance Transfers

16.80%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:
  1. +Prime
  2. +Prime
  3. +Prime

Capital One® Delta SkyMiles® Gold MasterCard® Apply Now

Capital One® Delta SkyMiles® Gold MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.80%

Cash Advances

19.80%

Balance Transfers

19.80%

  • 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 Apply Now

Capital One® SmartLine™ Platinum MasterCard

Interest on:

Annual Fee

$0

Purchases

5.99%1

Cash Advances

19.80%

Balance Transfers

5.99%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:
  1. For 3 years.
  2. For 3 years.

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 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:
  1. +1% Fee
  2. +1% Fee
More information about the MBNA Best Western MasterCard® Credit Card

MBNA CAA Quebec MasterCard® Credit Card Apply Now

MBNA CAA Quebec MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

14.99%

Cash Advances

16.99%

Balance Transfers

3.99%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:
  1. For the first 6 billing cycles, 19.99% thereafter.
More information about the MBNA CAA Quebec MasterCard® Credit Card

MBNA Choice Privileges MasterCard® Credit Card Apply Now

MBNA Choice Privileges MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

16.99%

Cash Advances

1.99%1

Balance Transfers

1.99%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:
  1. For the first 6 billing cycles, 18.99% thereafter.
  2. For the first 6 billing cycles, 18.99% thereafter.

American Express® AIR MILES® Gold Business Card Apply Now

American Express® AIR MILES® Gold Business Card

Interest on:

Annual Fee

$0

Purchases

19.99%1

Cash Advances

19.99%2

Balance Transfers

n/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:
  1. Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
  2. Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
  3. Interest rate not mentioned on website.

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

  • 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:
  1. Interest rate not mentioned on website.
More information about the American Express® Blue Sky™

American Express® Business Card Apply Now

American Express® Business Card

Interest on:

Annual Fee

$0

Purchases

19.99%1

Cash Advances

19.99%2

Balance Transfers

0.00%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:
  1. Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
  2. Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
  3. Interest rate not mentioned on website.
More information about the American Express® Business Card

American Express® Holt Renfrew Card Apply Now

American Express® Holt Renfrew Card

Interest on:

Annual Fee

$0

Purchases

19.99%1

Cash Advances

19.99%2

Balance Transfers

n/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:
  1. Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
  2. Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
  3. Interest rate not mentioned on website.
More information about the American Express® Holt Renfrew Card

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®

BMO AIR MILES MasterCard Apply Now

BMO AIR MILES MasterCard

Interest on:

Annual Fee

$0

Purchases

19.50%1

Cash Advances

19.50%

Balance Transfers

19.50%

  • 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:
  1. Low 12.9% interest rate available for an additional $35 per year.
More information about the BMO AIR MILES MasterCard

BMO AIR MILES MasterCard for Business Apply Now

BMO AIR MILES MasterCard for Business

Interest on:

Annual Fee

$01

Purchases

19.50%2

Cash Advances

19.50%3

Balance Transfers

19.50%

  • 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:
  1. per year for Bronze, $60 per year for Silver, $105 per year for Gold.
  2. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
  3. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
More information about the BMO AIR MILES MasterCard for Business

BMO CashBack MasterCard Apply Now

BMO CashBack MasterCard

Interest on:

Annual Fee

$0

Purchases

19.50%1

Cash Advances

19.50%

Balance Transfers

19.50%

  • 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:
  1. Low 11.9% interest rate available for an additional $35 per year.
More information about the BMO CashBack MasterCard

BMO Preferred Rate MasterCard Apply Now

BMO Preferred Rate MasterCard

Interest on:

Annual Fee

$0

Purchases

17.50%1

Cash Advances

17.50%

Balance Transfers

17.50%

  • Get a lower interest rate on every transaction you make
  • 17.5% interest rate with no annual fee

Notes:
  1. Lower 11.9% interest rate available for an additional $25 per year.
More information about the BMO Preferred Rate MasterCard

BMO Prepaid Travel MasterCard Apply Now

BMO Prepaid Travel MasterCard

Interest on:

Annual Fee

$101

Purchases

n/a2

Cash Advances

n/a3

Balance Transfers

n/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

Notes:
  1. Purchase fee, not annual fee. Valid for 3 years.
  2. Not applicable.
  3. Not applicable.
  4. Not applicable.
More information about the BMO Prepaid Travel MasterCard
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