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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American Express Essential™ Credit Card Apply Now

American Express Essential™ Credit Card

Interest on:

Annual Fee

$0

Purchases

8.99%

Cash Advances

8.99%

Balance Transfers

1.99%


  • Enjoy a low 8.99% interest rate on purchases
  • Have the flexibility to pay your balance in full or over time
  • Optional Balance Transfer Offer to new Cardmembers – Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • Access to memorable experiences with American Express InvitesTM
  • Shopping coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.
  • Conditions apply

  • More information about the American Express Essential™ Credit Card

    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

    The Canadian Western Bank MBNA Rewards Mastercard® Credit Card Apply Now

    The Canadian Western Bank MBNA Rewards Mastercard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    14.99%

    Cash Advances

    24.99%1

    Balance Transfers

    16.99%2

    Travel? Cash? Gifts? Your reward is choice

  • You could get a 1.99% promotional annual interest rate (“AIR”) for 10 months on balance transfers [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases
  • 1,000 bonus points after your first eligible purchase††
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

  • 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 Apply Now

    The Edward Jones MBNA Rewards Mastercard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    14.99%

    Cash Advances

    24.99%1

    Balance Transfers

    16.99%2

    Travel? Cash? Gifts? Your reward is choice

  • You could get a 1.99% promotional annual interest rate (“AIR”) for 10 months on balance transfers [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases
  • 1,000 bonus points after your first eligible purchase††
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

  • 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 Apply Now

    No-Fee Scotiabank Value® VISA* card

    Interest on:

    Annual Fee

    $0

    Purchases

    16.99%

    Cash Advances

    16.99%

    Balance Transfers

    16.99%1

    • 3.99% introductory interest rate on balance transfers for the first 6 months*
    • A great low rate with no annual fee
    • Pay down balances faster
    • Simplify your monthly payments
    • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

    The introductory 3.99% interest rate applies to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) only. This rate applies when the new Scotiabank credit card account (“Account”) is opened and will continue for 6 months from that date (“the Promotional Period”). This offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. After the Promotional Period, the 3.99% interest rate on any promotional balances (including that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) on your Account. Offer applies to new Accounts only that are opened by February 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

    The preferred annual interest rates for the Account are: 16.99% on purchases and 16.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). Rates and fees are subject to change.

    Notes:
    1. 3.99% for the first 6 months*
    More information about the No-Fee Scotiabank Value® VISA* card

    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®

    Walmart MasterCard® Apply Now

    Walmart MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    18.99%1

    Cash Advances

    18.99%2

    Balance Transfers

    18.99%3

    • Get $15 in bonus Walmart Rewards when you make your first two qualifying purchases
    • Earn 1% of your purchases in Walmart Rewards, virtually anywhere you shop
    • Plus earn 25% more when you shop at Walmart stores in Canada
    • 5 Walmart Rewards = $5 in redemption value at Walmart stores in Canada

    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.
    More information about the Walmart MasterCard®

    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® 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.

    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®

    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.

    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

    RBC® VISA® Classic Student Apply Now

    RBC® VISA® Classic Student

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/a1

    • Helps university and college students build a credit history while enjoying the worldwide acceptance and convenience of an RBC Royal Bank Visa card

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

    RBC® VISA® Platinum Apply Now

    RBC® VISA® Platinum

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/a1

    • Enjoy prestige and recognition with this premier no annual fee card
    • Credit limit of up to $50,000

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

    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

    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®

    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® 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.

    Tangerine Money-Back Credit Card Apply Now

    Tangerine Money-Back Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.95%

    Cash Advances

    19.95%

    Balance Transfers

    3.00%1

    Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases.

    • No annual fee
    • No limit on the amount of Money-Back Rewards you can earn
    • 2.5% Foreign Conversion Fee
    • Three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card

    Notes:
    1. 3.00% of the amount transferred, or minimum of $5.00
    More information about the Tangerine Money-Back Credit Card

    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

    American Express AIR MILES Credit Card Apply Now

    American Express AIR MILES Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    1.99%1

    New American Express® AIR MILES®* Credit Card* Cardmembers, earn a bonus of 500 AIR MILES®* reward miles when you charge a total of $500 in purchases to your Card within your first three months of Card membership.

  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else
  • Shop at participating AIR MILES®* Sponsors across Canada with your card and show your AIR MILES®* Credit Card and your AIR MILES®* Collector Card, and you can earn reward miles twice
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.

  • Conditions apply

    Notes:
    1. For the first 6 months*
    More information about the American Express AIR MILES Credit Card
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