No Annual Fee Credit Cards |
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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.
| CanadianCard.ca's Top Pick | |||
 Sony MasterCard |
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 MBNA TrueLine MasterCard |
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| No Annual Fee Credit Cards | Issuer | Type | Interest Rate | Annual Fee | |
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BMO Air Miles | BMO - Bank of Montreal | Air Miles | 19.5% | $0 |
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BMO CashBack | BMO - Bank of Montreal | Cash Back | 19.5% | $0 |
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BMO SPC Air Miles | BMO - Bank of Montreal | Air Miles | 19.5% | $0 |
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BMO SPC CashBack | BMO - Bank of Montreal | Cash Back | 19.5% | $0 |
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BMO Air Miles for Business | BMO - Bank of Montreal | Air Miles | 19.5% | $0 |
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BMO CashBack for Business | BMO - Bank of Montreal | Cash Back | 19.5% | $0 |
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Desjardins Elegance GOLD Visa | Caisses Populaires | Rewards | 19.9% | $0 |
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Aspire Cash Platinum MasterCard | Capital One | Cash Back | Prime + 16.8% | $0 |
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Fusion Platinum MasterCard | Capital One | Platinum | 9.9% | $0 |
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CIBC Classic Visa Card | CIBC | Standard | 19.5% | $0 |
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CIBC Platinum Visa Card | CIBC | Platinum | 19.5% | $0 |
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CIBC Dividend Card | CIBC | Dividend | 19.5% | $0 |
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HBC MasterCard | HBC | Store | The greater of 19.95% or prime + 17% | $0 |
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HSBC MasterCard | HSBC | Store | 19.9% | $0 |
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HSBC Advanced MasterCard | HSBC | Store | 17.9% | $0 |
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HSBC Premier MasterCard | HSBC | Store | 12.9% | $0 |
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Smart Cash Platinum Plus Credit Card | MBNA | Cash Back | 19.99% | $0 |
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Cheap Tickets Rewards MasterCard | MBNA | Rewards | 19.9%, 17.99% on purchases | $0 |
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HABS Rewards Platinum Plus MasterCard | MBNA | Rewards | 19.9%, 17.99% on purchases | $0 |
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Leafs Rewards Platinum Plus MasterCard | MBNA | Rewards | 19.9% | $0 |
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Edition MasterCard | National Bank of Canada | MasterCard | 19.5% | $0 |
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President's choice credit card | PC Financial | Store | 19.97% | $0 |
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RBC Rewards Visa Gold | RBC - Royal Bank | Rewards | 19.9% | $0 |
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No-Fee Value Visa | Scotiabank | Rewards | 16.99% | $0 |
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SCENE Visa | Scotiabank | Rewards | 19.5% | $0 |
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Sears Mastercard Canada | JP Morgan Chase | Store | 18.9% | $0 |
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TD Rebate Rewards Visa | TD Canada Trust | Rewards | 19.75%, 21.5% on Cash Advances | $0 |
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Walmart MasterCard | Walmart Canada Bank | Store | 18.99% | $0 |