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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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The Home Depot® Consumer Credit Card Apply Now

The Home Depot® Consumer Credit Card

Interest on:

Annual Fee

$0

Purchases

0.00%1

Cash Advances

n/a2

Balance Transfers

n/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:
  1. for six months on purchases of $299 or more, 28.8% thereafter.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
More information about the The Home Depot® Consumer Credit Card

MBNA Canadian Wildlife Federation MasterCard® Credit Card Apply Now

MBNA Canadian Wildlife Federation MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

3.90%1

Cash Advances

3.90%2

Balance Transfers

3.90%3

  • No Annual Fee
  • Credit lines up to $100,000

Notes:
  1. Introductory rate for 6 months. Rate is 16.99% thereafter.
  2. Introductory rate for 6 months. Rate is 18.99% thereafter.
  3. Introductory rate for 6 months. Rate is 18.99% thereafter.

MBNA Ducks Unlimited MasterCard® Credit Card Apply Now

MBNA Ducks Unlimited MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

3.90%1

Cash Advances

3.90%2

Balance Transfers

3.90%3

  • No Annual Fee
  • Credit lines up to $100,000

Notes:
  1. Introductory rate for 6 months. Rate is 17.99% thereafter.
  2. Introductory rate for 6 months. Rate is 19.99% thereafter.
  3. Introductory rate for 6 months. Rate is 19.99% thereafter.

MBNA Gold MasterCard® Credit Card Apply Now

MBNA Gold MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

3.90%1

Cash Advances

3.90%2

Balance Transfers

3.90%3

  • No Annual Fee
  • Credit limit up to $100,000

Notes:
  1. Introductory rate for 4 months. Rate is 17.99% thereafter.
  2. Introductory rate for 4 months. Rate is 19.99% thereafter.
  3. 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 Apply Now

MBNA Royal Canadian Geographical Society MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

3.90%1

Cash Advances

3.90%2

Balance Transfers

3.90%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:
  1. Introductory rate for 6 months. Rate is 16.99% thereafter.
  2. Introductory rate for 6 months. Rate is 18.99% thereafter.
  3. Introductory rate for 6 months. Rate is 18.99% thereafter.

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® 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

MBNA Program Premium MasterCard® Credit Card Apply Now

MBNA Program Premium MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

9.99%

Cash Advances

9.99%

Balance Transfers

9.99%

  • No Annual Fee
  • 9.99% APR
  • Credit limit up to $100,000

MBNA CAA Quebec MasterCard® Credit Card Apply Now

MBNA CAA Quebec MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

14.99%

Cash Advances

3.99%1

Balance Transfers

3.99%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:
  1. Introductory rate for 6 months. Rate is 16.99% thereafter.
  2. 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 Apply Now

Scotiabank No-Fee Value VISA® Card

Interest on:

Annual Fee

$0

Purchases

14.99%

Cash Advances

14.99%

Balance Transfers

n/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:
  1. Interest rate not mentioned on website.
More information about the Scotiabank No-Fee Value VISA® Card

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

MBNA Anne Geddes MasterCard® Credit Card Apply Now

MBNA Anne Geddes MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

17.99%

Cash Advances

19.99%

Balance Transfers

19.99%

  • 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 Apply Now

MBNA Eco-Logique(TM) MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

17.99%

Cash Advances

1.90%1

Balance Transfers

1.90%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:
  1. Introductory rate for 6 months. Rate is 19.99% thereafter.
  2. Introductory rate for 6 months. Rate is 19.99% thereafter.

MBNA Harley–Davidson® MasterCard® Credit Card Apply Now

MBNA Harley–Davidson® MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

17.99%

Cash Advances

19.99%

Balance Transfers

19.99%

  • 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

MBNA Platinum Plus® MasterCard® Credit Card Apply Now

MBNA Platinum Plus® MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

17.99%

Cash Advances

1.99%1

Balance Transfers

1.99%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:
  1. Introductory rate for 10 months. Rate is 19.99%+1% fee thereafter.
  2. Introductory rate for 10 months. Rate is 19.99%+1% fee thereafter.

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

CIBC Platinum VISA® Card Apply Now

CIBC Platinum VISA® Card

Interest on:

Annual Fee

$0

Purchases

18.50%

Cash Advances

n/a1

Balance Transfers

n/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:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
More information about the CIBC Platinum VISA® Card

Scotiabank L'earn VISA® Card for Students Apply Now

Scotiabank L'earn VISA® Card for Students

Interest on:

Annual Fee

$0

Purchases

18.59%

Cash Advances

18.59%

Balance Transfers

n/a1

  • Get up to a 1% Moneyback reward on purchases
  • Credit limit of $500 to $2,000

Notes:
  1. Interest rate not mentioned on website.
More information about the Scotiabank L'earn VISA® Card for Students

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®

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®

Desjardins VISA® - Classic Apply Now

Desjardins VISA® - Classic

Interest on:

Annual Fee

$0

Purchases

19.40%1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Accord D Desjardins, a second, separate credit limit
  • Cash advances up to $2,500 a day, anywhere in the world

Notes:
  1. Low annual interest rate option of 11.8% for $30 per year.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
More information about the Desjardins VISA® - Classic

Desjardins VISA® FOR STUDENTS ONLY Credit Card Apply Now

Desjardins VISA® FOR STUDENTS ONLY Credit Card

Interest on:

Annual Fee

$0

Purchases

19.40%1

Cash Advances

n/a2

Balance Transfers

n/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:
  1. Low annual interest rate option of 11.8% for $30 per year.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.

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
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