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
The Home Depot® Consumer Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases0.00%1 |
Cash Advancesn/a2 |
Balance Transfersn/a3 |
- Using one card for your home improvement costs helps you keep track of your spending
- No retailer administration fees and no annual service fee
- Special longer-term promotions throughout the year
Notes:
- for six months on purchases of $299 or more, 28.8% thereafter.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the The Home Depot® Consumer 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
Capital One® SmartLine™ Platinum MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases5.99% |
Cash Advances19.80% |
Balance Transfers5.99% |
- 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
More information about the Capital One® SmartLine™ Platinum MasterCard
Capital One® Platinum MasterCard®: 9.99% Guaranteed for 3 Years 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases9.99% |
Cash Advances19.80% |
Balance Transfers19.80% |
- 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
More information about the Capital One® Platinum MasterCard®: 9.99% Guaranteed for 3 Years
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
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
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
BMO Preferred Rate MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.50%1 |
Cash Advancesn/a2 |
Balance Transfersn/a3 |
- Get a lower interest rate on every transaction you make
- 17.5% interest rate with no annual fee
Notes:
- Lower 11.9% interest rate available for an additional $25 per year.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the BMO Preferred Rate MasterCard
MBNA Anne Geddes MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.99% |
Cash Advances19.99% |
Balance Transfers19.99% |
- Earn Anne Geddes Points redeemable for fabulous Anne Geddes products including books, baby clothing, plush toys, watches and more
- Earn 2,000 Anne Geddes Points upon activation
- Earn 1 Anne Geddes Point for every $1.00 (CDN) in net retail spend
- No Annual Fee
- Credit lines up to $100,000
More information about the MBNA Anne Geddes MasterCard® Credit Card
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 Harley–Davidson® MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.99% |
Cash Advances19.99% |
Balance Transfers19.99% |
- Earn Harley-Davidson® Genuine Rewards that are redeemable for Harley Chrome® Cash at any authorized participating Harley-Davidson® reatiler nationwide
- No Annual Fee
- Credit lines up to $100,000
More information about the MBNA Harley–Davidson® 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
CIBC Classic VISA® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases18.50% |
Cash Advancesn/a1 |
Balance Transfersn/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:
More information about the CIBC Classic VISA® Card
CIBC Classic VISA® Card for Students 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases18.50%1 |
Cash Advances21.50%2 |
Balance Transfersn/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:
- Changing to 19.5% beginning November 2009.
- Begins November 2009.
- Interest rate not mentioned on website.
More information about the CIBC Classic VISA® Card for Students
CIBC Platinum VISA® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases18.50% |
Cash Advancesn/a1 |
Balance Transfersn/a2 |
- Enjoy a host of genuine CIBC Platinum Visa features, such as a credit limit of at least $5,000 and a bundle of no-fee insurances
- 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
Notes:
More information about the CIBC Platinum 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
Canadian Cancer Society MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases18.99% |
Cash Advancesn/a1 |
Balance Transfersn/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:
More information about the Canadian Cancer Society MasterCard®
Chase Gold MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases18.99% |
Cash Advancesn/a1 |
Balance Transfersn/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:
More information about the Chase Gold MasterCard®
Desjardins VISA® - Classic 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.40%1 |
Cash Advancesn/a2 |
Balance Transfersn/a3 |
- Accord D Desjardins, a second, separate credit limit
- Cash advances up to $2,500 a day, anywhere in the world
Notes:
- Low annual interest rate option of 11.8% for $30 per year.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the Desjardins VISA® - Classic
Desjardins VISA® FOR STUDENTS ONLY Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.40%1 |
Cash Advancesn/a2 |
Balance Transfersn/a3 |
- Cell Phone Insurance at no charge, in the event of loss or theft
- Ticket reservation service
- Accord D Desjardins financing, a second, separate credit limit
- Cash advances up to $2,500 per day, anywhere in the world
Notes:
- Low annual interest rate option of 11.8% for $30 per year.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the Desjardins VISA® FOR STUDENTS ONLY Credit Card
BMO AIR MILES MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advancesn/a2 |
Balance Transfersn/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:
- Low 11.9% interest rate available for an additional $35 per year.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the BMO AIR MILES MasterCard
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
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