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
MBNA Eco-Logique(TM) MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.99% |
Cash Advances1.90%1 |
Balance Transfers1.90%2 |
- Earn carbon offset points that MBNA will use to acquire carbon offsets on your behalf
- Low 1.9% introductory interest rate for 6 months on Balance Transfers and Cheque Cash Advances
Notes:
- Introductory rate for 6 months. Rate is 19.99% thereafter.
- Introductory rate for 6 months. Rate is 19.99% thereafter.
More information about the MBNA Eco-Logique(TM) MasterCard® Credit Card
MBNA Pharmaprix MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances1.99%1 |
Balance Transfers1.99%2 |
- Earn 25 points for every $1 in purchases at Pharmaprix using your Pharmaprix Optimum MasterCard® when you show your Pharmaprix Optimum Card®
- 1.99% Introductory Annual Interest Rate on Cheque Cash Advances and Balance Transfers for 6 months
Notes:
- Introductory rate for 6 months. Rate is 19.99% thereafter.
- Introductory rate for 6 months. Rate is 19.99% thereafter.
More information about the MBNA Pharmaprix MasterCard® Credit Card
MBNA Platinum Plus® MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.99% |
Cash Advances1.99%1 |
Balance Transfers1.99%2 |
- No Annual Fee
- Credit limit up to $100,000
- Low 1.99% introductory interest rate for 10 months on Balance Transfers and Cheque Cash Advances
Notes:
- Introductory rate for 10 months. Rate is 19.99%+1% fee thereafter.
- Introductory rate for 10 months. Rate is 19.99%+1% fee thereafter.
More information about the MBNA Platinum Plus® MasterCard® Credit Card
MBNA Shoppers MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances1.99%1 |
Balance Transfers1.99%2 |
- Earn 25 points for every $1 in purchases at Shoppers Drug Mart using your Shoppers Optimum MasterCard® when you show your Shoppers Optimum Card®
- 1.99% Introductory Annual Interest Rate on Cheque Cash Advances and Balance Transfers for 6 months
- Please note that this card is not available to residents of Quebec
Notes:
- Introductory rate for 6 months. Rate is 19.99% thereafter.
- Introductory rate for 6 months. Rate is 19.99% thereafter.
More information about the MBNA Shoppers MasterCard® Credit Card
MBNA Canadian Wildlife Federation MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases3.90%1 |
Cash Advances3.90%2 |
Balance Transfers3.90%3 |
- No Annual Fee
- Credit lines up to $100,000
Notes:
- Introductory rate for 6 months. Rate is 16.99% thereafter.
- Introductory rate for 6 months. Rate is 18.99% thereafter.
- Introductory rate for 6 months. Rate is 18.99% thereafter.
More information about the MBNA Canadian Wildlife Federation MasterCard® Credit Card
MBNA Ducks Unlimited MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases3.90%1 |
Cash Advances3.90%2 |
Balance Transfers3.90%3 |
- No Annual Fee
- Credit lines up to $100,000
Notes:
- Introductory rate for 6 months. Rate is 17.99% thereafter.
- Introductory rate for 6 months. Rate is 19.99% thereafter.
- Introductory rate for 6 months. Rate is 19.99% thereafter.
More information about the MBNA Ducks Unlimited MasterCard® Credit Card
MBNA Gold MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases3.90%1 |
Cash Advances3.90%2 |
Balance Transfers3.90%3 |
- No Annual Fee
- Credit limit up to $100,000
Notes:
- Introductory rate for 4 months. Rate is 17.99% thereafter.
- Introductory rate for 4 months. Rate is 19.99% thereafter.
- Introductory rate for 4 months. Rate is 19.99% thereafter.
More information about the MBNA Gold MasterCard® Credit Card
MBNA Royal Canadian Geographical Society MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases3.90%1 |
Cash Advances3.90%2 |
Balance Transfers3.90%3 |
- Get your Canadian Geographic credit card today and support The Royal Canadian Geographical Society's non-profit programs in geographic education, lectures, expeditions, research and grants
- No Annual Fee
- Credit lines up to $100,000
Notes:
- Introductory rate for 6 months. Rate is 16.99% thereafter.
- Introductory rate for 6 months. Rate is 18.99% thereafter.
- Introductory rate for 6 months. Rate is 18.99% thereafter.
More information about the MBNA Royal Canadian Geographical Society MasterCard® Credit Card
MBNA CAA Quebec MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases14.99% |
Cash Advances3.99%1 |
Balance Transfers3.99%2 |
- 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
- Please note you must be a member of the Quebec CAA to apply for this card
Notes:
- Introductory rate for 6 months. Rate is 16.99% thereafter.
- Introductory rate for 6 months. Rate is 16.99% thereafter.
More information about the MBNA CAA Quebec MasterCard® Credit Card
MBNA Program Premium MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases9.99% |
Cash Advances9.99% |
Balance Transfers9.99% |
- No Annual Fee
- 9.99% APR
- Credit limit up to $100,000
More information about the MBNA Program Premium MasterCard® Credit Card
Scotiabank No-Fee Value VISA® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases14.99% |
Cash Advances14.99% |
Balance Transfersn/a1 |
- The No-Fee Scotiabank Value VISA card is the only no annual fee, low-rate credit card in Canada
- Save hundreds of dollars a year, pay down balances faster, and simplify your monthly payments by switching balances from higher interest rate credit cards to a Scotiabank Value VISA card
Notes:
More information about the Scotiabank No-Fee Value VISA® Card
Scotiabank L'earn VISA® Card for Students 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases18.59% |
Cash Advances18.59% |
Balance Transfersn/a1 |
- Get up to a 1% Moneyback reward on purchases
- Credit limit of $500 to $2,000
Notes:
More information about the Scotiabank L'earn VISA® Card for Students
BMO AIR MILES MasterCard for Business 
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Interest on: |
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|---|---|---|---|
Annual Fee$01 |
Purchases19.50%2 |
Cash Advances19.50%3 |
Balance Transfersn/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:
- per year for Bronze, $60 per year for Silver, $105 per year for Gold.
- Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
- Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
- Interest rate not mentioned on website.
More information about the BMO AIR MILES MasterCard for Business
BMO SPC Mosaik MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50% |
Balance Transfers19.50% |
- 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:
More information about the BMO SPC Mosaik MasterCard®
Canadian Tire Gas Advantage MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50%2 |
Balance Transfers19.50%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:
More information about the Canadian Tire Gas Advantage MasterCard®
Canadian Tire Options MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50%2 |
Balance Transfers19.50%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:
More information about the Canadian Tire Options MasterCard®
National Bank of Canada MasterCard® Business Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90%1 |
Cash Advances19.50%2 |
Balance Transfers19.50%3 |
- Monitor your expenses easily
- Protection against fraudulent use by employees
- MasterCard's Zero Liability
Notes:
- 13.90% Reduced Interest Rate Option for $15 per year.
- 8.90% Reduced Interest Rate Option for $15 per year.
- 8.90% Reduced Interest Rate Option for $15 per year.
More information about the National Bank of Canada MasterCard® Business Card
National Bank of Canada MasterCard® Edition Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50%2 |
Balance Transfers19.50%3 |
- MasterCard Zero Liability
- Purchase insurance - For a period of 90 days following the purchase date
- Extended warranty on purchases - Doubles the manufacturer's guarantee up to one additional year
Notes:
- 14.50% Reduced Interest Rate Option for $15 per year.
- 11.50% Reduced Interest Rate Option for $15 per year.
- 11.50% Reduced Interest Rate Option for $15 per year.
More information about the National Bank of Canada MasterCard® Edition Credit Card
RBC Rewards® VISA® Classic 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50% |
Cash Advances19.50% |
Balance Transfersn/a1 |
- Earn one RBC Rewards point for every two dollars in purchases you make with your card
- Earn additional RBC Rewards points with the Rewards Network Restaurant Program
- Collect points and redeem for travel rewards, merchandise, gift certificates, RBC Financial Rewards and more
- Exchange RBC Rewards points for Esso Extra points
Notes:
More information about the RBC Rewards® VISA® Classic
RBC® Esso VISA® Classic Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50% |
Cash Advances19.50% |
Balance Transfersn/a1 |
- Receive 200 bonus Esso Extra points with your first purchase
- Automatic Esso Extra Membership
- Earn 2 or more Esso Extra points for every eligible $1 CAD you spend at participating Esso-branded retail stations
- Earn 1 Esso Extra point for every dollar spent everywhere else
- Esso purchases tracked separately on your RBC Royal Bank Visa monthly statement
- Minimum credit limit of $5,000
Notes:
More information about the RBC® Esso VISA® Classic Card
RBC® Rewards VISA® Gold 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50% |
Cash Advances19.50% |
Balance Transfersn/a1 |
- Earn 1 RBC Rewards point for every two dollars in purchases you spend on the card
- Earn additional RBC Rewards points with the Rewards Network Restaurant Program
- Redeem RBC Rewards points for brand name merchandise, gift certificates/card, travel and more
- Minimum credit limit of $5,000
Notes:
More information about the RBC® Rewards VISA® Gold
RBC® Starbucks Duetto VISA® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50% |
Cash Advances19.50% |
Balance Transfersn/a1 |
- Receive $25 to spend at Starbucks after your first Visa purchase
- A Visa Credit Card and reloadable Starbucks Card in one
- Earn 1% back with every Visa purchase you make and earn 3% back when you automatically reload your Duetto Dollars Account
- $1 Duetto Dollar equals $1 to be used at participating Starbucks
- Give back to local communities - Starbucks will donate $5 to Ethos Water Fund of the Starbucks Foundation when you first use your card
Notes:
More information about the RBC® Starbucks Duetto VISA® Card
RBC® VISA® Classic 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50% |
Cash Advances19.50% |
Balance Transfersn/a1 |
- A basic, everyday Visa card that gives you convenience and value
- 24-hour worldwide fraud detection keeps your card safe
Notes:
More information about the RBC® VISA® Classic
RBC® VISA® Classic Student 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50% |
Cash Advances19.50% |
Balance Transfersn/a1 |
- Helps university and college students build a credit history while enjoying the worldwide acceptance and convenience of an RBC Royal Bank Visa card
Notes:
More information about the RBC® VISA® Classic Student
RBC® VISA® Platinum 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50% |
Cash Advances19.50% |
Balance Transfersn/a1 |
- Enjoy prestige and recognition with this premier no annual fee card
- Credit limit of up to $50,000
Notes:
More information about the RBC® VISA® Platinum
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