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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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

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

ScotiaLine for Business VISA® Card

	Interest on:
Annual Fee $0	Purchases n/a1	Cash Advances n/a2	Balance Transfers n/a3

• No monthly or annual fees
• Interest rates as low as Scotiabank Prime for secured or Prime + 2.49% to Prime + 5.49% for unsecured
• Credit limit up to $50,000 unsecured or $500,000 for a secured line of credit
• Personalized VISA cards with both your personal and your business name
• Free supplementary cards and personalized cheques

Notes:

1. Secured Rate as low as 3.25%, Unsecured Rate from 4.74% to 7.74%
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

More information about the ScotiaLine for Business VISA® Card

ScotiaLine VISA® Account

	Interest on:
Annual Fee $0	Purchases n/a1	Cash Advances n/a2	Balance Transfers n/a3

• Personal borrowing tool that combines the high credit limits and low rates of a personal line of credit with the flexibility to use that credit anywhere, anytime
• Secured rates as low as 3.25% (Scotiabank Prime Rate + 1%)
• Competitive unsecured rate of 7.24% (Scotia Prime Rate + 4.99%)
• Credit limits ranging from $20,000 to $500,000

Notes:

1. Secured Rate at 3.25%, Unsecured Rate at 7.24%
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

More information about the ScotiaLine VISA® Account

Sears Card

	Interest on:
Annual Fee $0	Purchases 28.80%	Cash Advances n/a1	Balance Transfers n/a2

• Earning Sears Club points is easy. Simply use your card at Sears, online at www.sears.ca, for a catalogue purchase or at any of our participating partners and you earn 1 Sears Club Point with virtually every dollar you spend
• Upon Approval, receive a $10 Gift Card to use towards your next purchase at Sears

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

More information about the Sears Card

Sears MasterCard®

	Interest on:
Annual Fee $0	Purchases 19.99%	Cash Advances n/a1	Balance Transfers n/a2

• Use your Sears® MasterCard® everywhere MasterCard is accepted and earn 1 Sears Club Point for virtually every dollar spent. And when you use your card at Sears, earn rewards even faster and receive 2 Sears Club Points for virtually every dollar spent
• Upon Approval, receive a $10 Gift Card to use towards your next purchase at Sears

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

More information about the Sears MasterCard®

TD Gold Select VISA® Card

	Interest on:
Annual Fee $0	Purchases 19.75%	Cash Advances n/a1	Balance Transfers n/a2

• Receive a host of features you'll use daily with no annual fee
• Purchase Security and Extended Warranty Protection

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

More information about the TD Gold Select VISA® Card

TD Green VISA® Card

	Interest on:
Annual Fee $0	Purchases 19.75%	Cash Advances n/a1	Balance Transfers n/a2

• Shopping convenience or instant access to money when it's needed most
• Purchase Security and Extended Warranty Protection

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

More information about the TD Green VISA® Card

TD Rebate Rewards VISA® Card

	Interest on:
Annual Fee $0	Purchases 19.75%	Cash Advances n/a1	Balance Transfers n/a2

• Earn a 0.5% cash reward on the first $3,000 in net annual purchases charged to your card
• Earn a 1% cash reward on your net annual purchases over $3,000 (to a maximum annual purchase limit of $25,000)
• Cash reward will be credited directly to your TD Rebate Rewards Visa Account at the beginning of each year

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

More information about the TD Rebate Rewards VISA® Card

TD The GM Card

	Interest on:
Annual Fee $0	Purchases 19.75%	Cash Advances n/a1	Balance Transfers n/a2

• A Visa Card with 3% in GM Earnings
• Apply your credit card earnings towards the purchase of a new GM vehicle

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

More information about the TD The GM Card

TD Venture Line of Credit VISA® Card

	Interest on:
Annual Fee $0	Purchases n/a1	Cash Advances n/a2	Balance Transfers n/a3

• Line of credit with Visa Card convenience
• Low interest rates based on TD Prime
• Apply only once! Once you're approved, yearly renewal is automatic, with no business plan review or interview (as long as your Account is in good standing throughout the year)
• Approved based primarily on your personal creditworthiness

Notes:

1. Based on TD Prime
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

More information about the TD Venture Line of Credit VISA® Card

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

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