No Annual Fee Credit Cards |
||
   |
No annual fee credit cards are a good choice if you do not carry a balance as they typically have a high interest rate. Some cards offer a low interest rate option but for an additional fee and generally do not offer a substantial rewards program. Also, credit cards with no annual fees typically do not provide many benefits compared to cards that do charge one.
| No Annual Fee Credit Cards | Issuer | Type | Interest Rate | Annual Fee | |
 |
BMO Air Miles | BMO - Bank of Montreal | Air Miles | 19.5% | $0 |
 |
BMO CashBack | BMO - Bank of Montreal | Cash Back | 19.5% | $0 |
 |
BMO SPC Air Miles | BMO - Bank of Montreal | Air Miles | 19.5% | $0 |
|
|
BMO SPC CashBack | BMO - Bank of Montreal | Cash Back | 19.5% | $0 |
 |
BMO Air Miles for Business | BMO - Bank of Montreal | Air Miles | 19.5% | $0 |
|
|
BMO CashBack for Business | BMO - Bank of Montreal | Cash Back | 19.5% | $0 |
 |
Desjardins Classic Visa | Caisses Populaires | Standard | 11.8% | $30 |
 |
Desjardins Elegance GOLD Visa | Caisses Populaires | Rewards | 19.9% | $0 |
 |
Aspire Gold MasterCard | Capital One | Rewards | 19.8% | $0 |
 |
Cash Back Gold MasterCard | Capital One | Cash Back | 19.8% | $0 |
 |
SmartLine Platinum MasterCard | Capital One | Platinum | 5.99%, 19.8% for cash advances | $0 |
 |
CIBC Classic Visa Card | CIBC | Standard | 19.5% | $0 |
 |
CIBC Platinum Visa Card | CIBC | Platinum | 19.5% | $0 |
 |
CIBC Dividend Card | CIBC | Dividend | 19.5% | $0 |
 |
Citi MasterCard | Citibank | Standard | 19.99%, 22.99% on cash advances | $0 |
 |
Citi Gold MasterCard | Citibank | Gold | 19.99%, 22.99% on cash advances | $0 |
 |
Citi Platinum MasterCard | Citibank | Platinum | 19.99%, 22.99% on cash advances | $0 |
 |
Citi PETRO-POINTS MasterCard | Citibank | Gas Rewards | 19.99%, 22.99% on cash advances | $0 |
 |
Club Sobey's MasterCard | Citibank | Store | 19.99%, 22.99% on cash advances | $0 |
 |
Citi STAPLES easyRewards MasterCard | Citibank | Store | 19.99%, 22.99% on cash advances | $0 |
 |
Citi Enrich MasterCard | Citibank | Rewards | 19.99%, 22.99% on cash advances | $0 |
 |
HBC MasterCard | HBC | Store | The greater of 19.95% or prime + 17% | $0 |
 |
HSBC MasterCard | HSBC | Store | 19.9% | $0 |
 |
HSBC Advanced MasterCard | HSBC | Store | 17.9% | $0 |
 |
HSBC Premier MasterCard | HSBC | Store | 12.9% | $0 |
 |
Smart Cash Platinum Plus Credit Card | MBNA | Cash Back | 19.99% | $0 |
 |
MBNA PremierRewards Platinum Plus MasterCard | MBNA | Platinum | 19.9% | $0 |
 |
Cheap Tickets Rewards MasterCard | MBNA | Rewards | 19.9%, 17.99% on purchases | $0 |
 |
HABS Rewards Platinum Plus MasterCard | MBNA | Rewards | 19.9%, 17.99% on purchases | $0 |
 |
Leafs Rewards Platinum Plus MasterCard | MBNA | Rewards | 19.9% | $0 |
 |
Edition MasterCard | National Bank of Canada | MasterCard | 19.5% | $0 |
 |
President's choice credit card | PC Financial | Store | 19.97% | $0 |
 |
RBC Rewards Visa Gold | RBC - Royal Bank | Rewards | 19.9% | $0 |
 |
No-Fee Value Visa | Scotiabank | Rewards | 16.99% | $0 |
 |
SCENE Visa | Scotiabank | Rewards | 19.5% | $0 |
 |
Sears Mastercard Canada | JP Morgan Chase | Store | 18.9% | $0 |
 |
TD Rebate Rewards Visa | TD Canada Trust | Rewards | 19.75%, 21.5% on Cash Advances | $0 |
 |
Walmart MasterCard | Walmart Canada Bank | Store | 18.99% | $0 |