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

Annual Fee Purchases Cash
Advances
American Express Essential™ Credit Card

American Express Essential™ Credit Card

$0 8.99% 8.99% 1.99%
American Express AIR MILES Credit Card

American Express AIR MILES Credit Card

$0 19.99% 22.99% 1.99%1
Notes:
  1. For the first 6 months*
Best Western Mastercard® credit card

Best Western Mastercard® credit card

$0 19.99% 24.99%1 21.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
BMO® AIR MILES®† MasterCard®*

BMO® AIR MILES®† MasterCard®*

$0 19.99% 22.99% 22.99%
BMO®* CashBack MasterCard®*

BMO®* CashBack MasterCard®*

$0 19.99% 22.99% 22.99%
Montreal Canadians® MBNA Rewards Mastercard® Credit Card

Montreal Canadians® MBNA Rewards Mastercard® Credit Card

$0 19.99% 24.99%1 21.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
No-Fee Scotiabank Value® VISA* card

No-Fee Scotiabank Value® VISA* card

$0 16.99% 16.99% 16.99%1
Notes:
  1. 3.99% for the first 6 months*
Ottawa Senators® MBNA Rewards Mastercard® Credit Card

Ottawa Senators® MBNA Rewards Mastercard® Credit Card

$0 19.99% 24.99%1 21.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
Platinum Plus® Mastercard® credit card - 0% for 12

Platinum Plus® Mastercard® credit card - 0% for 12

$0 19.99% 24.99%1 21.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
RBC® Cash Back MasterCard

RBC® Cash Back MasterCard

$0 19.99% 19.99% 0.00%1
Notes:
  1. Interest rate not mentioned on website.
Scotia Momentum® Mastercard®* Credit Card

Scotia Momentum® Mastercard®* Credit Card

$0 19.99% 22.99% 22.99%
Scotia Momentum® No-Fee VISA* Card

Scotia Momentum® No-Fee VISA* Card

$0 19.99% 22.99% 22.99%
Scotiabank SCENE VISA® Card

Scotiabank SCENE VISA® Card

$0 19.99% 22.99% 22.99%
Sears Card

Sears Card

$0 29.90% 29.90% 29.90%
Sears MasterCard®

Sears MasterCard®

$0 19.99% 19.99% 19.99%
Shell®†† CashBack MasterCard®* from BMO®

Shell®†† CashBack MasterCard®* from BMO®

$0 19.99% 22.99% 22.99%
SimplyCash Card from American Express

SimplyCash Card from American Express

$0 19.99% 22.99% 1.99%1
Notes:
  1. There is no balance transfer fee at time of application.
Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

$0 19.95% 19.95% 3.00%1
Notes:
  1. 3.00% of the amount transferred, or minimum of $5.00
The Canadian Western Bank MBNA Rewards Mastercard® Credit Card

The Canadian Western Bank MBNA Rewards Mastercard® Credit Card

$0 14.99% 24.99%1 16.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
The Edward Jones MBNA Rewards Mastercard® Credit Card

The Edward Jones MBNA Rewards Mastercard® Credit Card

$0 14.99% 24.99%1 16.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
Toronto Maple Leafs® MBNA Rewards Mastercard® Credit Card

Toronto Maple Leafs® MBNA Rewards Mastercard® Credit Card

$0 19.99% 24.99%1 21.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
Toronto Raptors® MBNA Rewards Mastercard® Credit Card

Toronto Raptors® MBNA Rewards Mastercard® Credit Card

$0 19.99% 24.99%1 21.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
Zoomer® MBNA Rewards Mastercard®

Zoomer® MBNA Rewards Mastercard®

$0 19.99% 24.99%1 21.99%2
Notes:
  1. 1% of amount advanced (minimum fee $7.50)
  2. 1% of amount advanced (minimum fee $7.50)
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.
Blue Sky® Credit Card

Blue Sky® Credit Card

$0 19.99% 22.99% n/a
BMO Preferred Rate MasterCard

BMO Preferred Rate MasterCard

$20 11.90% 11.90% n/a
Canadian Tire Cash Advantage MasterCard®

Canadian Tire Cash Advantage MasterCard®

$0 19.99%1 n/a2 n/a3
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.
Canadian Tire Curve™ MasterCard®

Canadian Tire Curve™ MasterCard®

$0 19.50%1 n/a2 n/a3
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.
Canadian Tire Gas Advantage MasterCard®

Canadian Tire Gas Advantage MasterCard®

$0 19.50%1 n/a2 n/a3
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.
Canadian Tire Options MasterCard®

Canadian Tire Options MasterCard®

$0 19.50%1 n/a2 n/a3
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.
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 19.99% 21.50% 21.50%
CIBC Classic VISA® Card for Students

CIBC Classic VISA® Card for Students

$0 19.99% 21.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
CIBC Dividend Card

CIBC Dividend Card

$0 19.99% 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 19.99% 21.50% n/a1
Notes:
  1. Interest rate not mentioned on website.
Desjardins VISA® - Classic

Desjardins VISA® - Classic

$0 19.40%1 19.40% 19.40%
Notes:
  1. Low annual interest rate option of 11.8% for $30 per year.
Desjardins VISA® - Elegance GOLD

Desjardins VISA® - Elegance GOLD

$0 19.90%1 19.90% 19.90%
Notes:
  1. Low annual interest rate option of 12.8% for $30 per year.
Desjardins VISA® FOR STUDENTS ONLY Credit Card

Desjardins VISA® FOR STUDENTS ONLY Credit Card

$0 19.40%1 19.40% 19.40%
Notes:
  1. Low annual interest rate option of 11.8% for $30 per year.
Home Trust Equityline VISA® Card

Home Trust Equityline VISA® Card

$01 n/a2 n/a3 n/a4
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.
HSBC MasterCard®

HSBC MasterCard®

$0 19.90%1 19.90% n/a2
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.
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 19.90%2 19.90%3
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

National Bank of Canada MasterCard® Edition Credit Card

$0 19.50%1 19.50%2 19.50%3
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

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. 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

National Bank of Canada MasterCard® Ultramar Credit Card

$0 19.90%1 19.90%2 19.90%3
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

President’s Choice Financial® MasterCard

$0 19.97% 19.97% 5.97%1
Notes:
  1. for 4 months, 19.97% thereafter.
RBC® Business Cash Back MasterCard

RBC® Business Cash Back MasterCard

$0 19.99% 19.99% 0.00%1
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®

RBC® Rewards+ VISA®

$0 19.99% 22.99% 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.
TD Rebate Rewards VISA® Card

TD Rebate Rewards VISA® Card

$0 19.99% 21.50% 21.50%
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.
Walmart MasterCard®

Walmart MasterCard®

$0 18.99%1 18.99%2 18.99%3
Notes:
  1. Rate may increase to 23.99% depending on Account Payment Record.
  2. Rate may increase to 23.99% depending on Account Payment Record.
  3. Rate may increase to 23.99% depending on Account Payment Record.
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