No Annual Fee Cards

The credit card offers listed below save you money by not charging an annual fee. Some of the card offers may waive the annual fee for the first year, but charge a fee for subsequent years.

BMO® AIR MILES®† MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Limited time: Get up to 800 Bonus AIR Miles*
  • 1 AIR MILES reward mile for every $20 that you spend on your credit card*
  • 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
  • en Français
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Apply Now at Bank of Montreal's
secure site
Typical APR
19.90% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Good Credit

BMO® CashBack® MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Limited time: Get up to $75 cash back rewards*
  • Earn 1% CashBack on ALL card purchases* without 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
  • en Français
Show More
Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Good Credit

No-Fee ScotiaGold® VISA

Apply Now at CA Scotiabank's
secure site
  • Rental Car Collision Insurance
  • 20% discount rates at Avis Car Rental
  • Commission-free Travellers Cheques
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Apply Now at CA Scotiabank's
secure site
Typical APR
19.99%*
Balance Transfer APR
22.99%*
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Good Credit

Capital One® Aspire Travel™ Platinum MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Earn reward miles — with no annual fee!
  • Earn 1 reward mile for every $1 spent - on all purchases
  • Get 10,000 bonus reward miles when you spend $500 on net purchases in the first 3 months after account opening — a value of $100 in travel
  • Annual interest rate of 19.8%
  • Redeem for travel, cash, or gift cards
  • Valuable MasterCard benefits, plus Platinum benefits like Purchase Assurance and Extended Warranty
  • Add an authorized user for $0
Show More
Apply Now at Capital One - Canada's
secure site
Typical APR
19.8%
Balance Transfer APR
19.8%
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Average Credit

Platinum Plus® MasterCard® credit card - 0% for 12

Apply Now at MBNA's
secure site
  • Simplify your finances while enjoying platinum services.
  • 0% promotional annual interest rate† (AIR) on balance transfers✪ for the first 12 full months
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMS worldwide
  • No annual fee
Show More
Apply Now at MBNA's
secure site
Typical APR
See Terms
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

Scotia Momentum® No-Fee VISA Card

Apply Now at CA Scotiabank's
secure site
  • 1% on eligible gas station, grocery store and drug store purchases and recurring bills
  • 0.5% cash back on all other eligible purchases
  • 20% AVIS rental card discount
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Apply Now at CA Scotiabank's
secure site
Typical APR
19.99%*
Balance Transfer APR
22.99%*
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Good Credit

Sony Card MasterCard® credit card

Apply Now at MBNA's
secure site
  • 1.99% promotional annual interest rate† (AIR) on balance transfers* for the first 10 full months
  • Earn Sony Points on eligible purchases made using your Sony Card MasterCard®‡
  • Get 2,000 Sony Points after your first eligible transaction††
  • Earn double Sony Points on eligible purchases of Sony products at sony.ca or the Sony store / Maison Sony‡
  • Redeem Sony Points toward any Sony product online at sony.ca. Choose from the latest audio, video, gaming products and more‡
  • No annual fee
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Apply Now at MBNA's
secure site
Typical APR
See Terms
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

BMO® Preferred Rate MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Enjoy our lowest no-fee interest rate of 11.9+% on purchases and cash advances*
  • 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
  • en Français
Show More
Apply Now at Bank of Montreal's
secure site
Typical APR
11.90% (Variable)
Balance Transfer APR
11.9%
Balance Transfer Fee
See Terms
Annual Fee
$20
Credit Needed
Good Credit

Tangerine Money-Back Credit Card

Apply Now at Tangerine's
secure site
  • No annual fee
  • No limit on the amount of Money-Back Rewards you can earn
  • Three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card
  • 1.5% Foreign Conversion Fee — one of the lowest in market
  • Free Cards for Authorized Users on your Account
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Apply Now at Tangerine's
secure site
Typical APR
19.95%
Balance Transfer APR
Yes
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Good Credit

BMO SPC®** CashBack® MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Limited time: Get up to $60 Cash Back*
  • Earn 1% CashBack on all card purchases* without restrictions!*
  • No Annual fee*
  • Extended Warranty*
  • Purchase Protection*
  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores*
  • 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
  • en Français
Show More
Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Good Credit

BMO SPC®** AIR MILES®† MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Limited time: Earn 500 Bonus AIR MILES Bonus Miles*
  • 1 AIR MILES reward mile for every $20 that you spend on your credit card*
  • No Annual fee*
  • Extended Warranty*
  • Purchase Protection*
  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores*
  • 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
  • en Français
Show More
Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Good Credit

Capital One® Aspire Cash™ Platinum MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Earn cash rewards and pay no annual fee!
  • Earn 1% cash rewards on all purchases
  • No limit to the amount of cash you can earn
  • Annual interest rate of 19.8%
  • Valuable MasterCard benefits, plus Platinum benefits like Purchase Assurance and Extended Warranty
  • Add an authorized user for $0
Show More
Apply Now at Capital One - Canada's
secure site
Typical APR
19.8%
Balance Transfer APR
19.8%
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Average Credit

No-Fee Scotiabank Value® VISA Card

Apply Now at CA Scotiabank's
secure site
  • 16.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount
Show More
Apply Now at CA Scotiabank's
secure site
Typical APR
16.99%*
Balance Transfer APR
3.99% for 6 months*
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Good Credit

Scotiabank Value® VISA Card

Apply Now at CA Scotiabank's
secure site
  • Low 11.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount
Show More
Apply Now at CA Scotiabank's
secure site
Typical APR
11.99%*
Balance Transfer APR
0.99% for 6 months*
Balance Transfer Fee
See Terms
Annual Fee
$29*
Credit Needed
Good Credit

RBC Cash Back MasterCard‡

Apply Now at Royal Bank of Canada's
secure site
  • A low introductory interest rate of 1.9% for 10 months on balance transfers and cash advancesΔ
  • Earn up to 2% cash bank credits on grocery store purchases2
  • Earn up to 1% cash back credits on all other purchases including pre-authorized payments2
  • Protect your eligible purchases for up to 90 days against loss, theft or damage*
  • Cash back credits accumulate automatically
  • Purchase on your card and automatically double the manufacturer's warranty up to one year*
Show More
Apply Now at Royal Bank of Canada's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
Yes
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Good Credit

HuskyPRO Universal

Apply Now at Fleetcor - Canada's
secure site
  • Cards can be used at over 500 Husky fueling locations and anywhere MasterCard® cards are accepted in Canada and the U.S.
  • Customize controls to prevent unauthorized use and allow purchases at fueling locations or only at the pump
  • Set dollar limits per day, per transaction, or per billing cycle
  • Access detailed reporting anytime online, including real-time transaction data and purchase history
  • Activate and deactivate cards online
Show More
Apply Now at Fleetcor - Canada's
secure site
Typical APR
N/A
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
$0 Annual Fee
Credit Needed
Excellent Credit

The Edward Jones MBNA Rewards MasterCard® Credit Card

Apply Now at MBNA's
secure site
  • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full months
  • 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
Show More
Apply Now at MBNA's
secure site
Typical APR
14.99%
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

The Alterna Platinum Plus MasterCard® Credit Card

Apply Now at MBNA's
secure site
  • 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
Show More
Apply Now at MBNA's
secure site
Typical APR
9.99% (Fixed)
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

The Alterna® MBNA Rewards MasterCard® Credit Card

Apply Now at MBNA's
secure site
  • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full month
  • 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
Show More
Apply Now at MBNA's
secure site
Typical APR
14.99% (Fixed)
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

The Canadian Western Bank MBNA Rewards MasterCard® Credit Card

Apply Now at MBNA's
secure site
  • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full months
  • 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
Show More
Apply Now at MBNA's
secure site
Typical APR
14.99%
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

Ultramar MasterCard® Corporate Card

Apply Now at Fleetcor - Canada's
secure site
  • Accepted at nearly 800 Ultramar locations and anywhere MasterCard® cards are accepted in Canada and the U.S.
  • Save up to 4¢ on every litre when you fill up at Ultramar locations
  • Reduce paperwork and wasted time collecting receipts and reconciling expense reports
  • Deactivate lost cards, set purchase controls and customize your card prompts
  • Get purchase and transaction information and detailed reporting
Show More
Apply Now at Fleetcor - Canada's
secure site
Typical APR
N/A
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
$0 Annual Fee
Credit Needed
Excellent Credit

The Canadian Western Bank Platinum Plus MasterCard® Credit Card

Apply Now at MBNA's
secure site
  • 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
Show More
Apply Now at MBNA's
secure site
Typical APR
9.99%
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit
* See the online no annual fee cards applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click the “Apply Now” button you can review the credit card terms and conditions on the issuer's website.