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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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Interest On
Name
 Annual Fee Purchases Cash
Advances
Balance
Transfers
MBNA Best Western MasterCard® Credit Card

MBNA Best Western MasterCard® Credit Card

 $0 19.99% 19.99% 19.99%
MBNA CAA Quebec MasterCard® Credit Card

MBNA CAA Quebec MasterCard® Credit Card

 $0 14.99% 3.99%1 3.99%2
Notes:
  1. Introductory rate for 6 months. Rate is 16.99% thereafter.
  2. Introductory rate for 6 months. Rate is 16.99% thereafter.
MBNA Gold MasterCard® Credit Card

MBNA Gold MasterCard® Credit Card

 $0 3.90%1 3.90%2 3.90%3
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.
MBNA Pharmaprix MasterCard® Credit Card

MBNA Pharmaprix MasterCard® Credit Card

 $0 19.99% 1.99%1 1.99%2
Notes:
  1. Introductory rate for 6 months. Rate is 19.99% thereafter.
  2. Introductory rate for 6 months. Rate is 19.99% thereafter.
MBNA Platinum Plus® MasterCard® Credit Card

MBNA Platinum Plus® MasterCard® Credit Card

 $0 17.99% 1.99%1 1.99%2
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.
MBNA PremierRewards® Platinum Plus® MasterCard® Credit Card

MBNA PremierRewards® Platinum Plus® MasterCard® Credit Card

 $0 19.99% 19.99%1 19.99%2
Notes:
  1. +1% Fee
  2. +1% Fee
MBNA Program Premium MasterCard® Credit Card

MBNA Program Premium MasterCard® Credit Card

 $0 9.99% 9.99% 9.99%
MBNA Shoppers MasterCard® Credit Card

MBNA Shoppers MasterCard® Credit Card

 $0 19.99% 1.99%1 1.99%2
Notes:
  1. Introductory rate for 6 months. Rate is 19.99% thereafter.
  2. Introductory rate for 6 months. Rate is 19.99% thereafter.
MBNA Sony Card MasterCard® Credit Card

MBNA Sony Card MasterCard® Credit Card

 $0 19.99% 19.99% 19.99%
MBNA WorldPoints® Platinum MasterCard® Credit Card

MBNA WorldPoints® Platinum MasterCard® Credit Card

 $0 19.99% 19.99%1 19.99%2
Notes:
  1. +1% Fee
  2. +1% Fee
MBNA Anne Geddes MasterCard® Credit Card

MBNA Anne Geddes MasterCard® Credit Card

 $0 17.99% 19.99% 19.99%
MBNA Canadian Wildlife Federation MasterCard® Credit Card

MBNA Canadian Wildlife Federation MasterCard® Credit Card

 $0 3.90%1 3.90%2 3.90%3
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

MBNA Ducks Unlimited MasterCard® Credit Card

 $0 3.90%1 3.90%2 3.90%3
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 Eco-Logique(TM) MasterCard® Credit Card

MBNA Eco-Logique(TM) MasterCard® Credit Card

 $0 17.99% 1.90%1 1.90%2
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

MBNA Harley–Davidson® MasterCard® Credit Card

 $0 17.99% 19.99% 19.99%
MBNA Royal Canadian Geographical Society MasterCard® Credit Card

MBNA Royal Canadian Geographical Society MasterCard® Credit Card

 $0 3.90%1 3.90%2 3.90%3
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 Smart Cash Platinum Plus® Credit Card

MBNA Smart Cash Platinum Plus® Credit Card

 $0 19.99% 19.99% 19.99%
Capital One® SmartLine™ Platinum MasterCard

Capital One® SmartLine™ Platinum MasterCard

 $0 5.99% 19.80% 5.99%
Capital One® Cash Back Platinum MasterCard® with No Hassle Rewards™

Capital One® Cash Back Platinum MasterCard® with No Hassle Rewards™

 $0 19.80% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
Capital One® Miles Platinum MasterCard® with No Hassle Rewards™

Capital One® Miles Platinum MasterCard® with No Hassle Rewards™

 $0 19.80% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
Capital One® Platinum MasterCard®: 9.99% Guaranteed for 3 Years

Capital One® Platinum MasterCard®: 9.99% Guaranteed for 3 Years

 $0 9.99% 19.80% 19.80%
American Express® AIR MILES®

American Express® AIR MILES®

 $0 19.99% 19.99% 19.99%
American Express® AIR MILES® Gold Business Card

American Express® AIR MILES® Gold Business Card

 $0 n/a1 n/a2 n/a3
Notes:
  1. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
American Express® Blue Sky™

American Express® Blue Sky™

 $0 19.99% 19.99% 19.99%
American Express® Business Card

American Express® Business Card

 $0 n/a1 n/a2 n/a3
Notes:
  1. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
American Express® Costco® Platinum Cash Rebate Card

American Express® Costco® Platinum Cash Rebate Card

 $0 n/a1 n/a2 n/a3
Notes:
  1. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
American Express® Holt Renfrew Card

American Express® Holt Renfrew Card

 $0 n/a1 n/a2 n/a3
Notes:
  1. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
  3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
Best Buy® Reward Zone Visa®

Best Buy® Reward Zone Visa®

 $0 19.99% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
BMO AIR MILES MasterCard

BMO AIR MILES MasterCard

 $0 19.50%1 n/a2 n/a3
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.
BMO AIR MILES MasterCard for Business

BMO AIR MILES MasterCard for Business

 $01 19.50%2 19.50%3 n/a4
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.
BMO CashBack MasterCard

BMO CashBack MasterCard

 $0 19.50%1 n/a2 n/a3
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.
BMO Preferred Rate MasterCard

BMO Preferred Rate MasterCard

 $0 17.50%1 n/a2 n/a3
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.
BMO Prepaid Travel MasterCard

BMO Prepaid Travel MasterCard

 $101 n/a2 n/a3 n/a4
Notes:
  1. Purchase fee, not annual fee.
  2. Not applicable.
  3. Not applicable.
  4. Not applicable.
BMO SPC Mosaik MasterCard®

BMO SPC Mosaik MasterCard®

 $0 19.50%1 19.50% 19.50%
Notes:
  1. Low 11.9% interest rate available for an additional $35 per year.
Canadian Cancer Society MasterCard®

Canadian Cancer Society MasterCard®

 $0 18.99% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
Canadian Tire Cash Advantage MasterCard®

Canadian Tire Cash Advantage MasterCard®

 $0 n/a1 n/a2 n/a3
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
Canadian Tire Curve™ MasterCard®

Canadian Tire Curve™ MasterCard®

 $0 n/a1 n/a2 n/a3
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
Canadian Tire Gas Advantage MasterCard®

Canadian Tire Gas Advantage MasterCard®

 $0 19.50%1 19.50%2 19.50%3
Notes:
  1. 19.50% or 25.99%
  2. 19.50% or 25.99%
  3. 19.50% or 25.99%
Canadian Tire Options MasterCard®

Canadian Tire Options MasterCard®

 $0 19.50%1 19.50%2 19.50%3
Notes:
  1. 19.50% or 25.99%
  2. 19.50% or 25.99%
  3. 19.50% or 25.99%
Chase Gold MasterCard®

Chase Gold MasterCard®

 $0 18.99% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
CIBC bizline™ VISA® Card for Small Business

CIBC bizline™ VISA® Card for Small Business

 $0 n/a1 n/a2 n/a3
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

CIBC Classic VISA® Card

 $0 18.50% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
CIBC Classic VISA® Card for Students

CIBC Classic VISA® Card for Students

 $0 18.50%1 21.50%2 n/a3
Notes:
  1. Changing to 19.5% beginning November 2009.
  2. Begins November 2009.
  3. Interest rate not mentioned on website.
CIBC Dividend Card

CIBC Dividend Card

 $0 19.50% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
CIBC Platinum VISA® Card

CIBC Platinum VISA® Card

 $0 18.50% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
Citi™ Enrich™ MasterCard®

Citi™ Enrich™ MasterCard®

 $0 19.90% 19.90% 5.90%1
Notes:
  1. Introductory rate for 6 months. Rate is 19.90% thereafter.
Citi™ Gold MasterCard®

Citi™ Gold MasterCard®

 $0 19.90% 19.90% 5.90%1
Notes:
  1. Introductory rate for 6 months. Rate is 19.90% thereafter.
Citi™ Petro-Canada™ Personal Credit Card

Citi™ Petro-Canada™ Personal Credit Card

 $0 28.80% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
Citi™ PETRO-POINTS™ MasterCard®

Citi™ PETRO-POINTS™ MasterCard®

 $0 19.90% n/a1 4.90%2
Notes:
  1. Interest rate not mentioned on website.
  2. Introductory rate for 6 months. Rate is 19.90% thereafter.
Citi™ Platinum MasterCard®

Citi™ Platinum MasterCard®

 $0 19.90% 19.90% 5.90%1
Notes:
  1. Introductory rate for 6 months. Rate is 19.90% thereafter.
Citi™ STAPLES® easyRewards™ MasterCard®

Citi™ STAPLES® easyRewards™ MasterCard®

 $0 19.90% n/a1 4.90%2
Notes:
  1. Interest rate not mentioned on website.
  2. Introductory rate for 6 months. Rate is 19.90% thereafter.
Club Sobeys MasterCard®

Club Sobeys MasterCard®

 $0 19.99% n/a1 2.90%2
Notes:
  1. Interest rate not mentioned on website.
  2. Introductory rate for 6 months. Rate is 19.99% thereafter.
Desjardins VISA® - Classic

Desjardins VISA® - Classic

 $0 19.40%1 n/a2 n/a3
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.
Desjardins VISA® - Elegance GOLD

Desjardins VISA® - Elegance GOLD

 $0 19.90%1 n/a2 n/a3
Notes:
  1. Low annual interest rate option of 12.8% for $30 per year.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
Desjardins VISA® FOR STUDENTS ONLY Credit Card

Desjardins VISA® FOR STUDENTS ONLY Credit Card

 $0 19.40%1 n/a2 n/a3
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.
Home Trust Equityline VISA® Card

Home Trust Equityline VISA® Card

 $01 n/a2 n/a3 n/a4
Notes:
  1. $100 in Quebec
  2. The minimum monthly payment is half of most other major credit cards, at 1%, 1.25% or 1.5% of the outstanding balance or $10.00.
  3. Interest rate not mentioned on website.
  4. Interest rate not mentioned on website.
Home Trust Secured Visa® Card

Home Trust Secured Visa® Card

 $0 24.99% 24.99% n/a1
Notes:
  1. Interest rate not mentioned on website.
HSBC MasterCard®

HSBC MasterCard®

 $01 19.90% 19.90% n/a2
Notes:
  1. No Annual Fee or Low Interest Rate Option for $25 per year.
  2. Interest rate not mentioned on website.
Laurentian Bank VISA® Black Card

Laurentian Bank VISA® Black Card

 $0 19.99% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
National Bank of Canada MasterCard® Business Card

National Bank of Canada MasterCard® Business Card

 $0 19.90%1 19.50%2 19.50%3
Notes:
  1. 13.90% Reduced Interest Rate Option for $15 per year.
  2. 8.90% Reduced Interest Rate Option for $15 per year.
  3. 8.90% Reduced Interest Rate Option for $15 per year.
National Bank of Canada MasterCard® Edition Credit Card

National Bank of Canada MasterCard® Edition Credit Card

 $0 19.50%1 19.50%2 19.50%3
Notes:
  1. 14.50% Reduced Interest Rate Option for $15 per year.
  2. 11.50% Reduced Interest Rate Option for $15 per year.
  3. 11.50% Reduced Interest Rate Option for $15 per year.
National Bank of Canada MasterCard® MC1 Credit Card

National Bank of Canada MasterCard® MC1 Credit Card

 $0 19.50% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
National Bank of Canada MasterCard® Sunoco Credit Card

National Bank of Canada MasterCard® Sunoco Credit Card

 $0 19.90%1 19.90%2 19.90%3
Notes:
  1. 14.50% Reduced Interest Rate Option for $15 per year.
  2. 11.50% Reduced Interest Rate Option for $15 per year.
  3. 11.50% Reduced Interest Rate Option for $15 per year.
National Bank of Canada MasterCard® Ultramar Credit Card

National Bank of Canada MasterCard® Ultramar Credit Card

 $0 19.90%1 19.90%2 19.90%3
Notes:
  1. 14.50% Reduced Interest Rate Option for $15 per year.
  2. 11.50% Reduced Interest Rate Option for $15 per year.
  3. 11.50% Reduced Interest Rate Option for $15 per year.
No-Fee ScotiaGold VISA® Card

No-Fee ScotiaGold VISA® Card

 $0 19.50% 21.50% 21.50%
President’s Choice Financial® MasterCard

President’s Choice Financial® MasterCard

 $0 19.97% 19.97% 5.97%1
Notes:
  1. for 4 months, 19.97% thereafter.
RBC Rewards® VISA® Classic

RBC Rewards® VISA® Classic

 $0 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
RBC® Esso VISA® Classic Card

RBC® Esso VISA® Classic Card

 $0 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
RBC® Rewards VISA® Gold

RBC® Rewards VISA® Gold

 $0 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
RBC® Starbucks Duetto VISA® Card

RBC® Starbucks Duetto VISA® Card

 $0 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
RBC® VISA® Classic

RBC® VISA® Classic

 $0 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
RBC® VISA® Classic Student

RBC® VISA® Classic Student

 $0 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
RBC® VISA® Platinum

RBC® VISA® Platinum

 $0 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
Scotia No-Fee Moneyback VISA® Card

Scotia No-Fee Moneyback VISA® Card

 $0 19.50% 21.50% 21.50%
Scotia® SCENE VISA® Card

Scotia® SCENE VISA® Card

 $0 19.50% 19.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
Scotiabank L'earn VISA® Card for Students

Scotiabank L'earn VISA® Card for Students

 $0 18.59% 18.59% n/a1
Notes:
  1. Interest rate not mentioned on website.
Scotiabank No-Fee Value VISA® Card

Scotiabank No-Fee Value VISA® Card

 $0 14.99% 14.99% n/a1
Notes:
  1. Interest rate not mentioned on website.
ScotiaLine for Business VISA® Card

ScotiaLine for Business VISA® Card

 $0 n/a1 n/a2 n/a3
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.
ScotiaLine VISA® Account

ScotiaLine VISA® Account

 $0 n/a1 n/a2 n/a3
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.
Sears Card

Sears Card

 $0 28.80% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
Sears MasterCard®

Sears MasterCard®

 $0 19.99% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
TD Gold Select VISA® Card

TD Gold Select VISA® Card

 $0 19.75% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
TD Green VISA® Card

TD Green VISA® Card

 $0 19.75% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
TD Rebate Rewards VISA® Card

TD Rebate Rewards VISA® Card

 $0 19.75% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
TD The GM Card

TD The GM Card

 $0 19.75% n/a1 n/a2
Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
TD Venture Line of Credit VISA® Card

TD Venture Line of Credit VISA® Card

 $0 n/a1 n/a2 n/a3
Notes:
  1. Based on TD Prime
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
The Home Depot® Consumer Credit Card

The Home Depot® Consumer Credit Card

 $0 0.00%1 n/a2 n/a3
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.
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