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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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 when you charge a total of $500 in purchases to your Card within your first three months of Card membership.

  • 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
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants.
  • 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

    Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® MasterCard® credit card

  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways – hotel stays, elite status upgrades◊◊, dining, airfare, gift cards and more.
  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months

  • 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

    BMO® AIR MILES®† MasterCard®* Apply Now

    BMO® AIR MILES®† MasterCard®*

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    22.99%

    Limited time: Get up to 800 Bonus AIR MILES*

  • 1 AIR MILES reward mile for every $20 that you spend on your credit card.
  • No annual fee
  • Receive a discount on our rentals
  • Extended Warranty
  • Purchase Protection

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Terms and conditions apply***

    More information about the BMO® AIR MILES®† MasterCard®*

    BMO®* CashBack MasterCard®* Apply Now

    BMO®* CashBack MasterCard®*

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    22.99%

    Limited time: Get up to $75 cash back rewards*

  • Earn 1.0% CashBack on ALL card purchases without restrictions!
  • No Annual fee
  • Receive a discount on rentals
  • Extended Warranty
  • Purchase Protection

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Terms and conditions apply***

    More information about the BMO®* CashBack MasterCard®*

    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

    19.80%

    Cash Advances

    19.80%

    Balance Transfers

    19.80%

  • Earn cash rewards and pay no annual fee!
  • Earn 1% cash rewards on all purchases
  • No limit to the amount of cash you can earn
  • Annual interest rate of 19.8%
  • Capital One® Aspire Travel™ Platinum MasterCard® Apply Now

    Capital One® Aspire Travel™ Platinum MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.80%

    Cash Advances

    19.80%

    Balance Transfers

    19.80%

  • Earn reward miles – with no annual fee!
  • Earn 1 reward mile for every $1 spent – on all purchases
  • Get 10,000 bonus reward miles when you spend $500 on net purchases in the first 3 months after account opening – a value of $100 in travel
  • Annual interest rate of 19.8%
  • L’earn® VISA* card Apply Now

    L’earn® VISA* card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    22.99%

    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

    Montreal Canadians® MBNA Rewards MasterCard® Credit Card Apply Now

    Montreal Canadians® MBNA Rewards MasterCard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Redeem points for tickets, memorabilia, exclusive team experiences and other Montreal Canadians items with this card

      You earn points and show support for your favourite team

  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases
  • 1,000 bonus points after your first eligible purchase††
  • 1,000 bonus points each year on your account anniversary‡‡
  • Choose the rewards you want, whether it's travel, cash back, brand name merchandise and gift cards or charitable donations
  • You can also redeem points for exclusive Habs experiences, memorabilia and merchandise
  • No annual fee

  • Show your support, apply today!

    Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)

    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 May 31, 2016. NOTE: a 1% balance transfer fee is being introduced with this offer as of March 1 2016.

    • 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

    22.99%

    Balance Transfers

    22.99%

    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

    Ottawa Senators® MBNA Rewards MasterCard® Credit Card Apply Now

    Ottawa Senators® MBNA Rewards MasterCard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Redeem points for tickets, memorabilia, exclusive team experiences and other Ottawa Senators items with this card

      You earn points and show support for your favourite team

  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases
  • 1,000 bonus points after your first eligible purchase††
  • 1,000 bonus points each year on your account anniversary‡‡
  • Choose the rewards you want, whether it's travel, cash back, brand name merchandise and gift cards or charitable donations
  • You can also redeem points for exclusive Sens experiences, memorabilia and merchandise
  • No annual fee

  • Show your support, apply today!

    Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)

    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

    Get 0% promotional annual interest rate (AIR) on balance transfers for the first 12 full months

      Simplify 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. 1% of amount advanced (minimum fee $7.50)

    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

    22.99%

    Balance Transfers

    22.99%


    Cash back on everyday spending.

    NOTE: previous interest offer of 7.99% on purchases has been discontinued

    • 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

    22.99%

    Balance Transfers

    22.99%


    Free movies and more.

    4,000 bonus SCENE points with $500 in everyday purchases within the first three months. For accounts opened by January 31, 2017.

    • 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

    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®

    Shell®†† CashBack MasterCard®* from BMO® Apply Now

    Shell®†† CashBack MasterCard®* from BMO®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    22.99%

    Get $50 CashBack Rewards!*

  • 1.5% CashBack on every dollar you spend at Shell locations in Canada
  • 0.5% CashBack on every dollar you spend on purchases everywhere else MasterCard is accepted
  • No Annual Fee

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Terms and conditions apply***

    SimplyCash Card from American Express Apply Now

    SimplyCash Card from American Express

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.99%

    Balance Transfers

    0.00%

    New SimplyCashTM Card from American Express Cardmembers can 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 Cardmembership1

  • 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
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants.


  • 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

    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

    Get 2,000 Sony Points after your first eligible transaction††

  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months 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
  • 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 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)

    Tangerine Money-Back Credit Card Apply Now

    Tangerine Money-Back Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.95%

    Cash Advances

    19.95%

    Balance Transfers

    1.00%1

    Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice, and 1% Money-Back Rewards on all other purchases.

      Earn 4% Money-Back Rewards for the first 3 months in your chosen categories.

  • No annual fee
  • No limit on the amount of Money-Back Rewards you can earn
  • Three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card
  • 1.5% Foreign Conversion Fee – one of the lowest in market
  • Free Cards for Authorized Users on your Account

  • Notes:
    1. 1.00% of the amount transferred, or minimum of $5.00
    More information about the Tangerine Money-Back Credit Card

    The Alterna Platinum Plus MasterCard® Credit Card Apply Now

    The Alterna Platinum Plus MasterCard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    9.99%

    Cash Advances

    24.99%1

    Balance Transfers

    9.99%2

    Enjoy the flexibility of a major credit card and save with a lower annual interest rate and no annual fee

  • Enjoy a standard annual interest rate of 9.99% on purchases and balance transfers
  • 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. 1% of amount advanced (minimum fee $7.50)

    The Alterna® MBNA Rewards MasterCard® Credit Card Apply Now

    The Alterna® MBNA Rewards MasterCard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    14.99%

    Cash Advances

    24.99%1

    Balance Transfers

    16.99%2

    Travel? Cash? Gifts? Your reward is choice

  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases
  • 1,000 bonus points after your first eligible purchase††
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)
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