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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BMO Preferred Rate MasterCard Apply Now

BMO Preferred Rate MasterCard

Interest on:

Annual Fee

$20

Purchases

11.90%

Cash Advances

11.90%

Balance Transfers

n/a

Welcome Offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months*

  • Enjoy our lowest interest rate of 17.5% on purchases and cash advances
  • Reduce interest charges even further: 11.9% rate for an additional $20 year
  • Free extended warranty and purchase protection
  • Zero dollar Liability: protects you from unauthorized use of your credit card
  • Worldwide acceptance at over 30 million locations

  • 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 Preferred Rate MasterCard

    Canadian Tire Cash Advantage MasterCard® Apply Now

    Canadian Tire Cash Advantage MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%1

    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. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
    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

    19.50%1

    Cash Advances

    n/a2

    Balance Transfers

    n/a3

    • Get up to 1.5% cash back everywhere you shop (0.25% on the first $1,500, 0.50% between $1,500 and $3,000, 1.0% between $3,000 and $24,000, and 1.5% above $24,000)
    • 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. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
    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

    n/a2

    Balance Transfers

    n/a3

    • 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. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
    2. Interest rate not mentioned on website.
    3. Interest rate not mentioned on website.
    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

    n/a2

    Balance Transfers

    n/a3

    • 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. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
    2. Interest rate not mentioned on website.
    3. Interest rate not mentioned on website.
    More information about the Canadian Tire Options 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®

    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
    • 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

    19.99%

    Cash Advances

    21.50%

    Balance Transfers

    21.50%

    • Everyday convenience
    • 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
    • Enjoy the speed and convenience of Visa payWave

    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

    19.99%

    Cash Advances

    21.50%

    Balance Transfers

    n/a1

    • 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. Interest rate not mentioned on website.
    More information about the CIBC Classic VISA® Card for Students

    CIBC Dividend Card Apply Now

    CIBC Dividend Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    n/a1

    Balance Transfers

    n/a2

    • Earn up to 1% cash back on net purchases you make with your card
    • Purchase Security and Extended Protection Insurance - Protect your personal purchases with automatic coverage for replacement, repairs or reimbursement on most purchases when charged to your card
    • 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 Dividend Card

    CIBC Platinum VISA® Card Apply Now

    CIBC Platinum VISA® Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.50%

    Balance Transfers

    n/a1

    • 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.
    More information about the CIBC Platinum VISA® Card

    Desjardins VISA® - Classic Apply Now

    Desjardins VISA® - Classic

    Interest on:

    Annual Fee

    $0

    Purchases

    19.40%1

    Cash Advances

    19.40%

    Balance Transfers

    19.40%

    • 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.
    More information about the Desjardins VISA® - Classic

    Desjardins VISA® - Elegance GOLD Apply Now

    Desjardins VISA® - Elegance GOLD

    Interest on:

    Annual Fee

    $0

    Purchases

    19.90%1

    Cash Advances

    19.90%

    Balance Transfers

    19.90%

    • Earn up to 1% of your purchases in BONUSDOLLARS
    • Rewards program allows you to accumulate BONUSDOLLARS and exchange them against travel, gifts, tickets to shows and Desjardins products and services
    • Insurance in case of loss, theft, damage or fire for most goods purchased with your card
    • Accord D Desjardins financing, a second, separate credit limit
    • Cash advances up to $5,000 a day, anywhere in the world

    Notes:
    1. Low annual interest rate option of 12.8% for $30 per year.
    More information about the Desjardins VISA® - Elegance GOLD

    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

    19.40%

    Balance Transfers

    19.40%

    • 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.

    Home Trust Equityline VISA® Card Apply Now

    Home Trust Equityline VISA® Card

    Interest on:

    Annual Fee

    $01

    Purchases

    n/a2

    Cash Advances

    n/a3

    Balance Transfers

    n/a4

    • Use the equity in your home to secure a credit limit of up to $250,000
    • Monthly payments as low as 0.75%, 1%, 1.25% or 1.5% of your outstanding balance or $10, whichever is greater
    • Make additional payments at any time without penalty
    • Competitive interest rates of 4.99%, 5.99%, 6.99%, 7.99%, 8.99%, 9.99%, 10.99%, 11.99% or 13.99%. The annual credit rate in Québec is 9.99%, 10.99%, 11.99% or 13.99%
    • Only pay interest on the credit you have used
    • No annual fees in all provinces except Québec

    Notes:
    1. $100 in Quebec.
    2. Competitive interest rates of 4.99%, 5.99%, 6.99%, 7.99%, 8.99%, 9.99%, 10.99%, 11.99% or 13.99%.
    3. Interest rate not mentioned on website.
    4. Interest rate not mentioned on website.
    More information about the Home Trust Equityline VISA® Card

    HSBC MasterCard® Apply Now

    HSBC MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.90%1

    Cash Advances

    19.90%

    Balance Transfers

    n/a2

    • Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
    • Extended Warranty Insurance - doubles manufacturer’s warranty up to one additional year

    Notes:
    1. Low annual interest rate option of 12.9% for $25 per year (not applicable in Quebec).
    2. Interest rate not mentioned on website.
    More information about the HSBC MasterCard®

    Laurentian Bank VISA® Black Card Apply Now

    Laurentian Bank VISA® Black Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    n/a1

    Balance Transfers

    n/a2

    • Easily access extra cash with your credit card PIN
    • When you use your card to reserve a hotel room, your reservation is automatically guaranteed, regardless of your time of arrival

    Notes:
    1. Interest rate not mentioned on website.
    2. Interest rate not mentioned on website.
    More information about the Laurentian Bank VISA® Black Card

    National Bank of Canada MasterCard® Business Card Apply Now

    National Bank of Canada MasterCard® Business Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.90%1

    Cash Advances

    19.90%2

    Balance Transfers

    19.90%3

    • Monitor your expenses easily
    • Protection against fraudulent use by employees

    Notes:
    1. Low annual interest rate option of 13.9% for $15 per year.
    2. Low annual interest rate option of 8.9% for $15 per year.
    3. Low annual interest rate option of 8.9% for $15 per year.

    National Bank of Canada MasterCard® Edition Credit Card Apply Now

    National Bank of Canada MasterCard® Edition Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%1

    Cash Advances

    19.50%2

    Balance Transfers

    19.50%3

    • Simple solution for everyday purchases and unexpected expenses
    • 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:
    1. Low annual interest rate option of 14.5% for $15 per year.
    2. Low annual interest rate option of 11.5% for $15 per year.
    3. Low annual interest rate option of 11.5% for $15 per year.

    National Bank of Canada MasterCard® MC1 Credit Card Apply Now

    National Bank of Canada MasterCard® MC1 Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%

    Cash Advances

    n/a1

    Balance Transfers

    n/a2

    • Designed for young adults, this card lets you build a credit history
    • 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:
    1. Interest rate not mentioned on website.
    2. Interest rate not mentioned on website.

    National Bank of Canada MasterCard® Sunoco Credit Card Apply Now

    National Bank of Canada MasterCard® Sunoco Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.90%1

    Cash Advances

    19.90%2

    Balance Transfers

    19.90%3

    • Simplify management of your automobile expenses - Statement indicates, in the first section, purchases made at Sunoco retailers in Ontario

    Notes:
    1. Low annual interest rate option of 14.5% for $15 per year.
    2. Low annual interest rate option of 11.5% for $15 per year.
    3. Low annual interest rate option of 11.5% for $15 per year.

    National Bank of Canada MasterCard® Ultramar Credit Card Apply Now

    National Bank of Canada MasterCard® Ultramar Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.90%1

    Cash Advances

    19.90%2

    Balance Transfers

    19.90%3

    • Get up to 2.5% back on purchases at Ultramar or HomEnergy
    • Get up to 1.25% back on all purchases made elsewhere
    • If the total Ultramar purchases charged to your card during the year amount to $2,500 or more, you will also receive an additional annual rebate of 0.5%
    • Maximum annual rebate for all purchases is $250

    Notes:
    1. Low annual interest rate option of 14.5% for $15 per year.
    2. Low annual interest rate option of 11.5% for $15 per year.
    3. Low annual interest rate option of 11.5% for $15 per year.

    President’s Choice Financial® MasterCard Apply Now

    President’s Choice Financial® MasterCard

    Interest on:

    Annual Fee

    $0

    Purchases

    19.97%

    Cash Advances

    19.97%

    Balance Transfers

    5.97%1

    • Earn 10 PC points for every dollar of every purchase made with your card
    • After approval, receive 4 coupons for 5,000 PC points each, which translates to $20 in free groceries
    • Get an extra 5,000 PC points when you apply online
    • Low balance transfer rate for eligible new customers

    Notes:
    1. for 4 months, 19.97% thereafter.
    More information about the President’s Choice Financial® MasterCard

    RBC® Business Cash Back MasterCard Apply Now

    RBC® Business Cash Back MasterCard

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    19.99%

    Balance Transfers

    0.00%1

    • Earn 2% cash back on all your purchases for the first three months when your account is opened before October 31, 2012
    • Earn 1% cash back on all purchases thereafter
    • Flexibility in redeeming your cash back credits

    Notes:
    1. Interest rate not mentioned on website.
    More information about the RBC® Business Cash Back MasterCard

    RBC® Esso VISA® Classic Card Apply Now

    RBC® Esso VISA® Classic Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/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

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