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
 

 
Tangerine Money Back Card
  • 1.95% Balance Transfer promo for 6 months (with a 1% fee)
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.

1.95%*Intro APR

6 months on BT*Intro Period

19.95% *APR

$0*Annual Fee

4.5


No-Fee Scotia Momentum VISA 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 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 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
  • Rates, fees, and other information are effective as of the date published. Subject to change.

3.99%*Intro APR

6 months on BT*Intro Period

16.99% *APR

$0*Annual Fee

4.5


Scotiabank American Express 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
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of the publication date. Subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% (V)*APR

$0*Annual Fee

4.0


Scotiabank More Rewards VISA Card
  • Receive 15,000 bonus More Rewards points when you make your first purchase in 90 days†
  • 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
  • There's no limit to the number of points you can earn
  • Rates, fees and other information are effective as of the publication date. Subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Scotiabank GM VISA Card
  • Get closer to your new car with up to 5% in GM Earnings
  • 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
  • No earning or redemption caps
  • Rates, fees and other information are effective as the publishing date. Subject to change.

N/A*Intro APR

N/A*Intro Period

17.99% *APR

$0*Annual Fee

4.5


SCENE VISA Card
  • Earn 2,000 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
  • Rates, fees and other information are effective as of date published. Subject to change.

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.0


L'earn VISA Credit Card
  • Get up to a 1% Moneyback reward
  • $0 annual fee
  • Spend wisely, earn valuable rewards
  • Build a good credit rating
  • Convenient with Visa payWave simply wave your card and go!
  • Eligible for My Mobile Wallet
  • 20% discount rates at Avis Car Rental

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.0


No-Fee ScotiaGold VISA Credit Card
  • Essential travel benefits with no annual fee
  • $0 annual fee
  • Commission-free travellers cheques
  • ConvenientWith Visa payWave simply wave your card and go!
  • Eligible for My Mobile Wallet
  • 20% Discount Rates at Avis Car Rental
  • Rental Car Collision Insurance

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

3.5


Scotiabank Rewards VISA Credit Card
  • No annual fee card
  • 1 Scotia Rewards point for every $2 you spend
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Receive up to 25% off qualifying car rentals
  • Redeem points for merchandise and other rewards

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.0


Canadian Tire Gas Advantage MasterCard
  • Save up to $0.1 per litre at Canadian Tire gas bars(3)
  • Just use your card everywhere you shop and get your discount when you buy gas
  • Earn discounts twice as fast on Canadian Tire and Mark's Work Wearhouse purchases(4)
  • The more you spend, the more you could save
  • No annual fee
  • For Canadian Residents only

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.5


Canadian Tire Options MasterCard
  • Earn Canadian Tire 'Money' On The Card awards everywhere you shop(1)
  • Redeem for virtually anything at Canadian Tire stores(2)
  • No limit on the amount you could earn
  • Enjoy Cardmember Exclusives like special offers and discounts
  • Shop conveniently with PayPass
  • No annual fee
  • 19.99% or 25.99% Annual Interest Rate
  • For Canadian Residents only

N/A*Intro APR

N/A*Intro Period

19.99% *APR

$0*Annual Fee

4.5


 


We strongly advise applicants to go through the terms and conditions of a product or service before applying online. We do not guarantee the accuracy of information posted on the site and are liable to misinformation caused thereof. Applicants are restricted per requirements set by a card issuer for its product.

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