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
American Express® Costco® Platinum Cash Rebate Card 
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Interest on: |
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Annual Fee$0 |
Purchasesn/a1 |
Cash Advancesn/a2 |
Balance Transfersn/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:
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
More information about the American Express® Costco® Platinum Cash Rebate Card
American Express® Holt Renfrew Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchasesn/a1 |
Cash Advancesn/a2 |
Balance Transfersn/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:
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
- 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® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advancesn/a1 |
Balance Transfersn/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:
More information about the Best Buy® Reward Zone Visa®
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
BMO CashBack MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advancesn/a2 |
Balance Transfersn/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:
- 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 CashBack MasterCard
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
BMO Prepaid Travel MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$101 |
Purchasesn/a2 |
Cash Advancesn/a3 |
Balance Transfersn/a4 |
- Safe and convenient alternative to cash or travellers cheques
- Prepaid MasterCard is paid in advance and is easy to reload
- Load your card as a bill payment from any bank account at most financial institutions
- Never pay interest
Notes:
More information about the BMO Prepaid Travel MasterCard
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 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®
Canadian Tire Cash Advantage MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchasesn/a1 |
Cash Advancesn/a2 |
Balance Transfersn/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:
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the Canadian Tire Cash Advantage MasterCard®
Canadian Tire Curve™ MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchasesn/a1 |
Cash Advancesn/a2 |
Balance Transfersn/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:
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the Canadian Tire Curve™ 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®
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®
CIBC bizline™ VISA® Card for Small Business 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchasesn/a1 |
Cash Advancesn/a2 |
Balance Transfersn/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:
- Interest rate will range between CIBC Prime Rate +1.5% and Prime Rate +11%, depending on personal credit bureau information.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the CIBC bizline™ VISA® Card for Small Business
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 Dividend Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50% |
Cash Advancesn/a1 |
Balance Transfersn/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:
More information about the CIBC Dividend Card
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
Citi™ Enrich™ MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90% |
Cash Advances19.90% |
Balance Transfers5.90%1 |
- Earn a full 1% cash back on all your spending
- Citi Price Protection, Purchase Assurance, Extended Warranty Assurance
Notes:
More information about the Citi™ Enrich™ MasterCard®
Citi™ Gold MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90% |
Cash Advances19.90% |
Balance Transfers5.90%1 |
- Premium savings and security with Citi Price Protection, Extended Warranty and Purchase Assurance
- The PayPass feature allows you to just Tap & Go for all in-store purchases under $50.00
Notes:
More information about the Citi™ Gold MasterCard®
Citi™ Petro-Canada™ Personal Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases28.80% |
Cash Advancesn/a1 |
Balance Transfersn/a2 |
- Get 1,000 bonus PETRO-POINTS on each of your first 10 purchases
- Earn PETRO-POINTS for every dollar spent
- Defer Certigard Car Repair payments for up to 90 days
- Receive detailed monthly billing statements of all your driving expenses
Notes:
More information about the Citi™ Petro-Canada™ Personal Credit Card
Citi™ PETRO-POINTS™ MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90% |
Cash Advancesn/a1 |
Balance Transfers4.90%2 |
- 2,000 bonus PETRO-POINTS on your first purchase
- Save 2¢ on every litre of fuel at Petro-Canada
- Earn PETRO-POINTS for every $1 spent on all purchases, at participating retailers
- Citi Price Protection, Purchase Assurance, Extended Warranty Assurance
Notes:
More information about the Citi™ PETRO-POINTS™ MasterCard®
Citi™ Platinum MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90% |
Cash Advances19.90% |
Balance Transfers5.90%1 |
- Enjoy a high spending limit and take advantage of the numerous travel benefits
- Up to $500,000 Travel Accident and Baggage Delay Insurance
- Up to $20/day with Automatic Collision/Loss Damage Waiver when you rent a car
- Citi Price Protection, Purchase Assurance, Extended Warranty Assurance
Notes:
More information about the Citi™ Platinum MasterCard®
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