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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® Apply Now

American Express® AIR MILES®

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

19.99%

  • Earn 150 Bonus AIR MILES® reward miles the first time you use your Card, when you apply online by December 31, 2009
  • Earn 1 reward mile for every $20 charged to your card

More information about the American Express® AIR MILES®

American Express® AIR MILES® Gold Business Card Apply Now

American Express® AIR MILES® Gold Business Card

Interest on:

Annual Fee

$0

Purchases

n/a1

Cash Advances

n/a2

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
  • Earn 1 AIR MILES® reward mile for every $20 in purchases
  • 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

Notes:
  1. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.

American Express® Blue Sky™ Apply Now

American Express® Blue Sky™

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

19.99%

  • 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

More information about the American Express® Blue Sky™

American Express® Business Card Apply Now

American Express® Business Card

Interest on:

Annual Fee

$0

Purchases

n/a1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Simple, effortless way to save money on business spending. Use the no-fee American Express® Business Card for all your business purchases and you can get a substantial cash back rebate every year
  • Offers the opportunity to 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. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
More information about the American Express® Business Card

American Express® Costco® Platinum Cash Rebate Card Apply Now

American Express® Costco® Platinum Cash Rebate Card

Interest on:

Annual Fee

$0

Purchases

n/a1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Earn an Annual Cash Rebate of 0.25% on the first $2,000, 0.50% on the next $3,000 and 1.50% on any amount over $5,000 to an annual maximum rebate amount of $500
  • Bonus Rebate: 0.5% on all net eligible new purchases when you carry a balance. The annual maximum Bonus Rebate amount is $125
  • You have an existing Costco membership

Notes:
  1. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.

American Express® Holt Renfrew Card Apply Now

American Express® Holt Renfrew Card

Interest on:

Annual Fee

$0

Purchases

n/a1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Earn 1 Holt Renfrew Rewards point for virtually every $1 you charge to the card, and earn 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. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
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 other locations Visa is accepted
  • Earn 2 points for nearly every $1 spent at any Best Buy Canada store or on BestBuy.ca

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

n/a2

Balance Transfers

n/a3

  • 1 AIR MILES reward mile for every $20 in card purchases
  • 1.5x reward miles at Shell, National Car Rental & Alamo Rent A Car
  • Exclusive 25% discount on all AIR MILES flights worldwide
  • Get an affinity card that supports your cause

Notes:
  1. Low 11.9% interest rate available for an additional $35 per year.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
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

n/a4

  • 3 AIR MILES reward levels to choose from
  • Gold - earn 1 reward mile for every $15 spent ($105 annual fee for owner card)
  • Silver - earn 1 reward mile for every $20 spent ($60 annual fee for owner card)
  • Bronze - earn 1 reward mile for every $40 spent (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.
  4. Interest rate not mentioned on website.
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

n/a2

Balance Transfers

n/a3

  • 0.5% CashBack on every card purchase
  • 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.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
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

n/a2

Balance Transfers

n/a3

  • 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.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
More information about the BMO Preferred Rate MasterCard

BMO SPC Mosaik MasterCard® Apply Now

BMO SPC Mosaik MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.50%1

Cash Advances

19.50%

Balance Transfers

19.50%

  • Customize your credit card to suit your lifestyle as a student
  • Enjoy exclusive discounts at thousands of SPC Card retailers nationwide for NO ADDED FEE
  • One time SPC Card registration – no need to renew
  • Earn added Rewards with AIR MILES® reward miles or CashBack®

Notes:
  1. Low 11.9% interest rate available for an additional $35 per year.
More information about the BMO SPC Mosaik MasterCard®

Canadian Cancer Society MasterCard® Apply Now

Canadian Cancer Society MasterCard®

Interest on:

Annual Fee

$0

Purchases

18.99%

Cash Advances

n/a1

Balance Transfers

n/a2

  • When you use the Canadian Cancer Society MasterCard from Chase, 1% of all your eligible purchases will be donated to help fight cancer
  • At the end of the year, Chase will send your donation to the Canadian Cancer Society and you'll get a tax receipt
  • Use the Tap & Go™ feature on your card for quick payments - just hold your card up to a reader, watch for the light, listen for the tone and go

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
More information about the Canadian Cancer Society MasterCard®

Canadian Tire Cash Advantage MasterCard® Apply Now

Canadian Tire Cash Advantage MasterCard®

Interest on:

Annual Fee

$0

Purchases

n/a1

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. Interest rate not mentioned on website.
  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

n/a1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Get up to 1.5% cash back everywhere you shop
  • 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. Interest rate not mentioned on website.
  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

19.50%2

Balance Transfers

19.50%3

  • 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. 19.50% or 25.99%
  2. 19.50% or 25.99%
  3. 19.50% or 25.99%
More information about the Canadian Tire Gas Advantage MasterCard®

Canadian Tire Options MasterCard® Apply Now

Canadian Tire Options MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.50%1

Cash Advances

19.50%2

Balance Transfers

19.50%3

  • Earn Canadian Tire 'Money' rewards everywhere you shop
  • Redeem your Canadian Tire ‘Money’ On The Card® awards at any Canadian Tire store
  • Enjoy Cardmember exclusive offers

Notes:
  1. 19.50% or 25.99%
  2. 19.50% or 25.99%
  3. 19.50% or 25.99%
More information about the Canadian Tire Options MasterCard®

Capital One® SmartLine™ Platinum MasterCard Apply Now

Capital One®  SmartLine™ Platinum MasterCard

Interest on:

Annual Fee

$0

Purchases

5.99%

Cash Advances

19.80%

Balance Transfers

5.99%

  • Low, long-term interest rate of 5.99% as long as you pay your bills on time! Plus, this low rate is guaranteed for three years – all for no annual fee. On December 2012, after your three years are up, your annual interest rate becomes a variable rate of Prime +2.99%
  • Add Reward Miles or 1% Cash Back for a $99 annual fee

Capital One® Cash Back Platinum MasterCard® with No Hassle Rewards™ Apply Now

Capital One® Cash Back Platinum MasterCard® with No Hassle Rewards™

Interest on:

Annual Fee

$0

Purchases

19.80%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Get 0.5% cash back annually on total purchases up to $3,000
  • Get 1% cash back annually on total purchases above $3,000
  • Cash back rewards never expire and there's no limit to how much you can earn

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.

Capital One® Miles Platinum MasterCard® with No Hassle Rewards™ Apply Now

Capital One® Miles Platinum MasterCard® with No Hassle Rewards™

Interest on:

Annual Fee

$0

Purchases

19.80%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Get 1 reward mile for every $1 spent on purchases.
  • Receive 5,000 bonus reward miles on your first purchase.
  • Reward miles never expire
  • No Annual Fee

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.

Capital One® Platinum MasterCard®: 9.99% Guaranteed for 3 Years Apply Now

Capital One® Platinum MasterCard®: 9.99% Guaranteed for 3 Years

Interest on:

Annual Fee

$0

Purchases

9.99%

Cash Advances

19.80%

Balance Transfers

19.80%

  • Low long-term rate of 9.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
  • After that your rate will stay low and become a variable rate of Prime +6.99% on purchases and balance transfers
  • Save money when you transfer high-interest debt with our no-fee balance transfer service
  • Subject to Credit Approval

Chase Gold MasterCard® Apply Now

Chase Gold MasterCard®

Interest on:

Annual Fee

$0

Purchases

18.99%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Comes with an unmatched array of benefits and services
  • Protected with Zero Liability on unauthorized purchases
  • Cash access at nearly 1 million locations and international acceptance

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
More information about the Chase Gold MasterCard®

CIBC bizline™ VISA® Card for Small Business Apply Now

CIBC bizline™ VISA® Card for Small Business

Interest on:

Annual Fee

$0

Purchases

n/a1

Cash Advances

n/a2

Balance Transfers

n/a3

  • With an interest rate as low as 1.5% above prime, and credit limit as high as $50,000, the CIBC bizline VISA Card is your connection to everything from paperclips to payroll, client lunches to accountants' bills
  • Business Savings Programs
  • CIBC CreditSmart™, a revolutionary array of new credit management features

Notes:
  1. Interest rate will range between CIBC Prime Rate +1.5% and Prime Rate +11%, depending on personal credit bureau information.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.

CIBC Classic VISA® Card Apply Now

CIBC Classic VISA® Card

Interest on:

Annual Fee

$0

Purchases

18.50%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Get Purchase Security and Extended Protection Insurance when your purchases are charged to your card. Increase the manufacturer's original Canadian or U.S. warranty on most items purchased with the card, up to one additional year
  • CIBC CreditSmart®, a revolutionary array of smart credit management features

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
More information about the CIBC Classic VISA® Card

CIBC Classic VISA® Card for Students Apply Now

CIBC Classic VISA® Card for Students

Interest on:

Annual Fee

$0

Purchases

18.50%1

Cash Advances

21.50%2

Balance Transfers

n/a3

  • Protect your purchases with automatic replacement, repair or reimbursement coverage for most personal items, if lost, stolen or damaged within 90 days of purchase with the card
  • Extended protection. Doubles the original Canadian or U.S. manufacturer's warranty automatically, up to one additional year on most items purchased with the card
  • CIBC CreditSmart®, a revolutionary array of smart credit management features

Notes:
  1. Changing to 19.5% beginning November 2009.
  2. Begins November 2009.
  3. Interest rate not mentioned on website.
More information about the CIBC Classic VISA® Card for Students
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