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 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

    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

    Best Buy® Reward Zone Visa® Apply Now

    Best Buy® Reward Zone Visa®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    n/a1

    Balance Transfers

    n/a2

    • Earn 1 point for nearly every $1 spent at the millions of locations Visa is accepted
    • Earn 2 points for nearly every $1 spent at any Best Buy Canada store or on BestBuy.ca
    • Take advantage of exclusive offers, promotions, pre-sales and entertainment bonuses

    Notes:
    1. Interest rate not mentioned on website.
    2. Interest rate not mentioned on website.
    More information about the Best Buy® Reward Zone Visa®

    Best Western Mastercard® credit card Apply Now

    Best Western Mastercard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® MasterCard® credit card

  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more.
  • 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)

  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)
    More information about the Best Western Mastercard® credit card

    Blue Sky® Credit Card Apply Now

    Blue Sky® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    n/a

    New Blue Sky® Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership.

  • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card
  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your card.
  • Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions.
  • $100,000 Travel Accident Insurance
  • 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.
  • More information about the Blue Sky® 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

    BMO® AIR MILES®† MasterCard®* Apply Now

    BMO® AIR MILES®† MasterCard®*

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    22.99%

    Welcome Offer: Get 500 AIR MILES Bonus Miles*
    Then get 1 reward mile for every $20 in purchases*
    Get a 1.99% introductory interest rate on Balance Transfers for 9 months*


    • Double dip at AIR MILES sponsored locations*
    • No annual fee
    • Receive a discount on car rentals
    • Extended Warranty
    • Purchase Protection
    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® AIR MILES®† MasterCard®*

    BMO®* CashBack MasterCard®* Apply Now

    BMO®* CashBack MasterCard®*

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    22.99%

    Welcome Offer: Get 4% cash back on every purchase (up to $125 cash back) in your first 4 months*

  • Get 1% cash back on all other card purchases with no restrictions
  • No Annual fee
  • Receive a discount on car rentals
  • Extended Warranty
  • Purchase Protection

  • 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®* CashBack MasterCard®*

    Canadian Tire Cash Advantage MasterCard® Apply Now

    Canadian Tire Cash Advantage MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%1

    Cash Advances

    n/a2

    Balance Transfers

    n/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:
    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 Cash Advantage MasterCard®

    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®

    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®

    CIBC bizline™ VISA® Card for Small Business Apply Now

    CIBC bizline™ VISA® Card for Small Business

    Interest on:

    Annual Fee

    $0

    Purchases

    n/a1

    Cash Advances

    n/a2

    Balance Transfers

    n/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
    • CIBC CreditSmart™, a revolutionary array of new credit management features

    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 Apply Now

    CIBC Classic VISA® Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.50%

    Balance Transfers

    21.50%

    • Everyday convenience
    • 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
    • Enjoy the speed and convenience of Visa payWave

    More information about the CIBC Classic VISA® Card

    CIBC Classic VISA® Card for Students Apply Now

    CIBC Classic VISA® Card for Students

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.50%

    Balance Transfers

    n/a1

    • 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:
    1. Interest rate not mentioned on website.
    More information about the CIBC Classic VISA® Card for Students

    CIBC Dividend Card Apply Now

    CIBC Dividend Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    n/a1

    Balance Transfers

    n/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:
    1. Interest rate not mentioned on website.
    2. Interest rate not mentioned on website.
    More information about the CIBC Dividend Card

    CIBC Platinum VISA® Card Apply Now

    CIBC Platinum VISA® Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.50%

    Balance Transfers

    n/a1

    • 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:
    1. Interest rate not mentioned on website.
    More information about the CIBC Platinum VISA® Card

    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® - 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

    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.

    Home Trust Equityline VISA® Card Apply Now

    Home Trust Equityline VISA® Card

    Interest on:

    Annual Fee

    $01

    Purchases

    n/a2

    Cash Advances

    n/a3

    Balance Transfers

    n/a4

    • Use the equity in your home to secure a credit limit of up to $250,000
    • Monthly payments as low as 0.75%, 1%, 1.25% or 1.5% of your outstanding balance or $10, whichever is greater
    • Make additional payments at any time without penalty
    • Competitive interest rates of 4.99%, 5.99%, 6.99%, 7.99%, 8.99%, 9.99%, 10.99%, 11.99% or 13.99%. The annual credit rate in Québec is 9.99%, 10.99%, 11.99% or 13.99%
    • Only pay interest on the credit you have used
    • No annual fees in all provinces except Québec

    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.
    More information about the Home Trust Equityline VISA® Card

    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®

    Laurentian Bank VISA® Black Card Apply Now

    Laurentian Bank VISA® Black Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    n/a1

    Balance Transfers

    n/a2

    • Easily access extra cash with your credit card PIN
    • When you use your card to reserve a hotel room, your reservation is automatically guaranteed, regardless of your time of arrival

    Notes:
    1. Interest rate not mentioned on website.
    2. Interest rate not mentioned on website.
    More information about the Laurentian Bank VISA® Black Card

    Montreal Canadians® MBNA Rewards Mastercard® Credit Card Apply Now

    Montreal Canadians® MBNA Rewards Mastercard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Redeem points for tickets, memorabilia, exclusive team experiences and other Montreal Canadians items with this card

      You earn points and show support for your favourite team

  • 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††
  • Choose the rewards you want, whether it's travel, cash back, brand name merchandise and gift cards or charitable donations
  • You can also redeem points for exclusive Habs experiences, memorabilia and merchandise
  • No annual fee

  • Show your support, apply today!

    Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)
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