No Annual Fee Card Offers

The following credit cards are no annual fee cards for consumers wishing to avert paying this fee. There's really no difference between cards charging a fee or none at all. The real difference bores down to individual benefits and features brought to the table by the cards in comparison. Families living on a strict budget, individuals who are interested in a credit card for its basic features are a few amongst the many categories of individuals who value the prospects of signing up to a no annual fees card. Some credit cards do not charge an annual fee throughout the first year of card use or a number of billing cycles after a first purchase. No annual fee cards listed below are reserved for the Canadian market.





Sort Cards by: Name | Rating | Intro APR | APR | Annual Fee
More: | 1 | 2 | 3 | 4 |

 
MBNA Rewards Mastercard credit card
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Platinum Plus Mastercard credit card - 0 for 12
  • Simplify your finances while enjoying platinum services.
  • You could get a 0% promotional annual interest rate ("AIR")† for 12 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)
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMS worldwide
  • No annual fee

0%*Intro APR

12 months on BT*Intro Period

on Purchases: 19.99% *APR

$0*Annual Fee

4.5


Tangerine Money Back Credit Card
  • No annual fee
  • No limit on the amount of Money-Back Rewards earned
  • 2% Rewards in Client's chosen categories
  • Clients can change their 2% Money-Back Categories to suit their spending
  • Clients who have their rewards deposited to a Tangerine savings Account can get a 3rd 2% Money-Back Category
  • A standard annual interest rate of 19.95%

N/A*Intro APR

n/a*Intro Period

19.95% *APR

$0*Annual Fee

4.5


No-Fee Scotia Momentum VISA Credit Card
  • 7.99% introductory interest rate on purchases for the first 6 months*
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases

7.99%*Intro APR

6 months*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Scotia Momentum Mastercard Credit Card
  • 7.99% introductory interest rate on purchases for the first 6 months*
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases

7.99%*Intro APR

6 months*Intro Period

19.99% *APR

$0*Annual Fee

4.0


No-Fee Scotiabank Value VISA Credit Card
  • 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

3.99%*Intro APR

6 months on BT*Intro Period

16.99% *APR

$0*Annual Fee

4.5


Scotiabank American Express Credit Card
  • Earn 5,000 bonus points with your first $500 in everyday purchases in first 3 months*
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Receive up to 25% off qualifying car rentals
  • Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days
  • Redeem points for merchandise and other rewards

N/A*Intro APR

N/A*Intro Period

19.99% (V)*APR

$0*Annual Fee

4.0


Zoomer MBNA Rewards Mastercard credit card
  • 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

1.99%*Intro APR

10 months on BT*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Scotiabank More Rewards VISA Credit Card
  • No annual fee card
  • 15,000 bonus points (terms apply)
  • Earn 6 More Rewards points for every $1 spent on purchases at participating More Rewards locations
  • Earn 4 points for every $1 on other purchases everywhere else
  • Get 1 additional point for every dollar you spend when you also use your More Rewards loyalty card at partner locations
  • There's no limit to the number of points you can earn
  • Flexible redemption options and reward choices
  • Purchase security and extended warranty protection
  • Price Protection Service

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Canadian Western Bank Platinum Plus Mastercard credit card
  • Enjoy a standard annual interest rate of 9.99% on purchases and balance transfers✪
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMs worldwide
  • No annual fee

N/A*Intro APR

N/A*Intro Period

9.99% *APR

$0*Annual Fee

4.5


Canadian Western Bank MBNA Rewards Mastercard credit card
  • 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

1.99%*Intro APR

10 months on BT*Intro Period

on Purchases: 14.99% *APR

$0*Annual Fee

4.5


Scotiabank GM VISA Credit Card
  • Get 5,000 bonus points with first purchase
  • No annual fee
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire
  • No earning or redemption caps
  • Enjoy the same great rewards in 5 unique designs
  • Purchase Security and Extended Warranty

N/A*Intro APR

N/A*Intro Period

17.99% *APR

$0*Annual Fee

4.5


Best Western 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)

1.99%*Intro APR

10 months on BT*Intro Period

on Purchases: 19.99% *APR

$0*Annual Fee

5.0


Toronto Maple Leafs MBNA Rewards Mastercard Credit 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 Leafs experiences, memorabilia and merchandise
  • No annual fee

1.99%*Intro APR

10 months*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Seneca MBNA Rewards Mastercard credit card
  • Supports alumni association of the Seneca College
  • 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 limit to the points you earn
  • No annual fee

1.99%*Intro APR

10 months on BT*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Scotiabank GM VISA Infinite Credit Card
  • First year annual fee waived*
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Travel with peace of mind with VISA Infinite benefits, including Travel Medical Insurance, Rental Car Insurance, Trip Interruption Insurance, and more
  • Purchase Security and Extended Warranty

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Harley-Davidson Mastercard Card
  • 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 Genuine Rewards Point or every $2 in eligible purchases®‡
  • Redeem your points for Harley Chrome® Cash®‡ to be used at participating Harley-Davidson Canadian retailers
  • Use your card for eligible purchases and you may be entered in a quarterly Harley-Davidson motorcycle draw®‡
  • No annual fee

1.99%*Intro APR

10 months on BT*Intro Period

on Purchases: 19.99% *APR

$0*Annual Fee

4.0


SCENE VISA Credit Card
  • Earn 4,000 bonus points with your first $500 in everyday purchases in first 3 months*
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • No annual fee

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.0


University of Toronto MBNA Rewards Mastercard credit card
  • Supports the University of Toronto at no cost for you
  • 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 limit to the points you earn
  • No annual fee

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.0


Toronto Raptors MBNA Rewards Mastercard Credit Card
  • You earn points and show support for your favorite Raptors 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 Leafs experiences, memorabilia and merchandise
  • No annual fee

1.99%*Intro APR

10 months*Intro Period

19.99% *APR

$0*Annual Fee

4.5


More: | 1 | 2 | 3 | 4 |


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