no annual fees

Credit cards with no annual fees generally have no rewards and minimal insurance benefits compared to those with annual fees.

No annual fees Credit Cards

Credit Cardsort iconAnnual FeesInterest RateCredit Required
alterna-platinum-mastercard.jpgAlterna Platinum Plus MasterCard$09.99%Good
alterna-worldpoints-mastercard.jpgAlterna WorldPoints No Fee MasterCard $014.99%Good
NameOnCard-14.jpgAmerican Express Air Miles Credit Card$02.99%Fair
NameOnCard-13.jpgAmerican Express Air Miles Gold Business Card$019.99%
amex_blue_sky.jpgAmerican Express Blue Sky Credit Card$018.99%Good
holt-renfrew-amex.jpgAmerican Express Holt Renfrew Credit Card$019.99%Good
card_lg_alberta.gifATB Alberta MasterCard$018.9%Fair
card_lg_alberta_my_rewards_new.jpgATB Alberta My Rewards MasterCard$019.9%Fair
atb-coop-mastercard.gifATB Calgary Co-op MasterCard$019.9%Fair
card_lg_alberta.gifATB Students First MasterCard$018.9%None
BMO_AIR_MILES_MasterCard_SPECIALCODE_154x118.gifBMO Air Miles MasterCard$019.5%Fair
BMO_AIR_MILES_Business_Card_NoChip_154x98.gifBMO Air Miles MasterCard for Business$019.5%Good
AEF_Card_AEF_154x118.gifBMO Alberta Equestrian Federation MasterCard$019.5%Fair
Alberta_Snowmobile_Card_ASA_154x118.gifBMO Alberta Snowmobile Association MasterCard$019.5%Fair
U_Manitoba_Card_UOFMANALU_154x118.gifBMO Alumni Association Inc. of the University of Manitoba MasterCard$019.5%Fair
SFU_Card_SFU_154x118.gifBMO Alumni Association of Simon Fraser University MasterCard$019.5%Fair
APEGGA_Card_APEGGA_154x118.gifBMO APEGGA Education Foundation MasterCard$019.5%Fair
Atlantic_Salmon_Card_AS_154x118.gifBMO Atlantic Salmon Federation MasterCard$019.5%Fair
BC_Snowmobile_Card_BCSF_154x118.gifBMO BC Snowmobile Federation MasterCard$019.5%Fair
BC_SPCA_Card_BCSPCA_154x118.gifBMO BC SPCA MasterCard$019.5%Fair
BCIT_Card_BCIT_154x118.gifBMO British Columbia Institute of Technology MasterCard$019.5%Fair
BCMedicalAssc_Card_BCMA_154x118.gifBMO British Columbia Medical Association MasterCard$019.5%Fair
Calgary_Stampede_Card_NoChip_STAMPEDE_154x118.gifBMO Calgary Stampede MasterCard$019.5%Fair
Calgary_Zoo_Card_ZOO_154x118.gifBMO Calgary Zoo MasterCard$019.5%Fair
Canadian_Art_Card_CANART_154x118.gifBMO Canadian Art Foundation MasterCard$019.5%Fair
CAMRT_Card_CAMRT_154x118.gifBMO Canadian Association of Medical Radiation Technologists MasterCard$019.5%Fair
Cdn_Cattlemen_Card_CATTLEMEN_154x118.gifBMO Canadian Cattlemen's Association MasterCard$019.5%Fair
Cdn_Dental_Assit_Assn_Card_CDAA_154x118.gifBMO Canadian Dental Assistants' Association MasterCard$019.5%Fair
CdnDentHygAssoc_Card_CDHA_154x118.gifBMO Canadian Dental Hygienists Association MasterCard$019.5%Fair
CdnKennelClub_Card_KENNEL_154x118.gifBMO Canadian Kennel Club MasterCard$019.5%Fair
COPA_COPA_154x118.gifBMO Canadian Owners & Pilots Association MasterCard$019.5%Fair
Cdn_Parents_French_Card_CPF_154x118.gifBMO Canadian Parents for French MasterCard$019.5%
CPA_Card_CPPA_154x118.gifBMO Canadian Police Association MasterCard$019.5%Fair
CRC_Card_REDCROSS_154x118.gifBMO Canadian Red Cross MasterCard$019.5%Fair
Cdn_Scholarship_Trust_Card_CST_154x118.gifBMO Canadian Scholarship Trust Foundation MasterCard$019.5%Fair
Snowboarding_Card_SNOWBOARD_154x118.gifBMO Canadian Snowboarders MasterCard$019.5%Fair
Cdn_Soc_Medical_Scien_Card_CSMLS_154x118.gifBMO Canadian Society for Medical Laboratory Science MasterCard$019.5%Fair
CVFSA_Card_CVFSA_154x118.gifBMO Canadian Volunteer Fire Services Association MasterCard$019.5%Fair
Canadian_Yachting_Card_SAILING_154x118.gifBMO Canadian Yachting Association MasterCard$019.5%Fair
CRS_Card_CRS_154x118.gifBMO Cancer Research Society MasterCard$019.5%Fair
BMO_CashBack_MasterCard_SPECIALCODE_154x118.gifBMO CashBack MasterCard$019.5%Fair
CGAA_Card_CGA_154x118.gifBMO CGA Canada MasterCard$019.5%Fair
CPAC_big.gifBMO Chinese Professionals Association of Canada MasterCard$019.5%Fair
CHL_Generic_Card_Eng_CHL_154x118.gifBMO CHL MasterCard$019.5%Fair
Concordia_Card_NoChip_CONCORALU_154x118.gifBMO Concordia University MasterCard$019.5%Fair
Cross_Country_Ski_Card_SPECIALCODE_154x118.gifBMO Cross Country Canada MasterCard$019.5%Fair
Dragon_Boat_Card_DRAGONBOAT_154x118.gifBMO Dragon Boat Canada MasterCard$019.5%Fair
EHS_Card_EHS_154x118.gifBMO Edmonton Humane Society MasterCard$019.5%Fair
Edvantage_Card_EDVANT_154x118.gifBMO Edvantage MasterCard$019.5%Fair
EquineCanada_Card_EQUINE_154x118.gifBMO Equine Canada MasterCard$019.5%Fair
AffinityGoldCard154x118.gifBMO Golden Key MasterCard$019.5%Fair
Gymnastics_card_GYMCAN_154x118.gifBMO Gymnastics Canada MasterCard$019.5%Fair
Juvenile_Diabetes_Card_NoChip_JDRF_154x118.gifBMO Juvenile Diabetes Research Foundation MasterCard$019.5%Fair
Luso_Card_LUSO_154x118.jpgBMO Luso MasterCard$019.5%Fair
MADD_Card_MADD_154x118.gifBMO MADD Canada MasterCard$019.5%Fair
McMaster_Card_MACALU_154x118.gifBMO McMaster MasterCard$019.5%Fair
Mohawk_College_Card_MOHALU_154x118.gifBMO Mohawk College Alumni MasterCard$019.5%Fair
Mt_Royal_Card_154x118.jpgBMO Mount Royal University MasterCard$019.5%Fair
NAIT_Card_NAITALU_154x118.gifBMO Northern Alberta Institute of Technology MasterCard$019.5%Fair
Anglers_Hunters_Card_OFAH_154x118.gifBMO Ontario Federation of Anglers & Hunters MasterCard$019.5%Fair
OFSC_OFSC_154x118.gifBMO Ontario Federation of Snowmobile Clubs MasterCard$019.5%Fair
Ont_SPCA_Card_OSPCA_154x118.gifBMO Ontario SPCA MasterCard$019.5%Fair
Outdoor_Recreation_Card_ORFBC_154x118.gifBMO Outdoor Recreational Foundation of BC MasterCard$019.5%Fair
PADI_Card_NoChip_PADI_154x118.gifBMO PADI Canada MasterCard$019.5%Fair
preferred-rate.jpgBMO Preferred Rate MasterCard$017.5%Fair
BMO_Preferred_Rate_Business_Card_NoChip_154x98.gifBMO Preferred Rate MasterCard for Business$017.5%Good
RNAO_Card_RNAO_154x118.gifBMO Registered Nurses' Association of Ontario MasterCard$019.5%Fair
Saskatch_Snowmobile_Card_SSA_154x118.gifBMO Saskatchewan Snowmobile Association MasterCard$019.5%Fair
Ski_Canada_Card_SKI_154x118.gifBMO Ski Canada MasterCard$019.5%Fair
manitoba_big.jpgBMO Snowmobilers of Manitoba MasterCard$019.5%Fair
BMO_Soccer_MasterCard_NoChip_154x118.gifBMO Soccer MasterCard$019.5%Fair
SPC.jpgBMO SPC Air Miles MasterCard$019.5%None
SPC-1.jpgBMO SPC CashBack MasterCard$019.5%None
St_FX_Card_STFX_154x118.gifBMO St. Francis Xavier University MasterCard$019.5%Fair
StandardBred_Canada_Card_SBC_154x118.gifBMO Standardbred Canada MasterCard $019.5%Fair
Support_Our_Troops_Card_SOT_154x118.gifBMO Support Our Troops MasterCard$019.5%Fair
U_Guelph_SPC_Card_GUELPHSPC_154x118.gifBMO University of Guelph Alumni Association MasterCard$019.5%Fair
U_Lethbridge_Card_LETHBRIDGE_154x118.gifBMO University of Lethbridge MasterCard$019.5%Fair
U_Regina_Card_UORALU_154x118.gifBMO University of Regina Alumni Association MasterCard$019.5%Fair
BMO_USask_MasterCard_154x118.gifBMO University of Saskatchewan MasterCard$019.5%Fair
UWaterloo_Card_WATALUM_154x118.gifBMO University of Waterloo MasterCard$019.5%Fair
U_Winnipeg_Card_UWINALUM_154x118.gifBMO University of Winnipeg MasterCard$019.5%Fair
WLU_Card_WLU_154x118.gifBMO Wilfrid Laurier University Alumni Association MasterCard$019.5%Fair
Winnipeg_Humane_Soc_Card_WHS_154x118.gifBMO Winnipeg Humane Society MasterCard$019.5%Fair
WSPA_Card_WSPA_154x118.gifBMO World Society for the Protection of Animals MasterCard$019.5%Fair
Yee_Hong_Wellness_Card__YEEHONG_154x118.gifBMO Yee Hong Community Wellness Foundation MasterCard$019.5%Fair
MCNoFee.JPGBridgewater Bank CAA No-Fee MasterCard$017.99%Fair
Cdn_Forestry_Assoc_Card_CF_154x118.gifCanadian Forestry Association MasterCard$019.5%Fair
canadian_tire_commercial_link.gifCanadian Tire Commercial Link MasterCard$025.99%Fair
canadian_tire_gas_advantage_mastercard.gifCanadian Tire Gas Advantage MasterCard$025.99%Fair
canadian_tire_options_mastercard.gifCanadian Tire Options MasterCard$019.99%Fair
aspire-platinum-two_222x140.pngCapital One Aspire Cash Platinum MasterCard$019.8%Good
aspire-travel-platinum_222x140.pngCapital One Aspire Travel MasterCard$019.8%Good
delta-gold_222x140.pngCapital One Delta SkyMiles Gold MasterCard$019.8%Good
fusion-platinum_222x140.pngCapital One Fusion Platinum MasterCard$09.9%Good
classic-gold_222x140.pngCapital One Gold MasterCard with a 14.9% Interest rate$9914.9%Good
ihg-platinum_222x140.pngCapital One Priority Club Rewards Platinum MasterCard$019.8%Good
platinum-599_222x140.pngCapital One SmartLine Platinum MasterCard$05.99%Good
cards.jpgCFL Rewards Platinum Plus MasterCard Credit Card$019.99%Good
textblock-bizline-en.gifCIBC Bizline Visa$04.5%Good
cibc-classic-visa.gifCIBC Classic Visa$019.99%Fair
textblock-students-en.gifCIBC Classic Visa for Students$019.99%None
textblock-dividend-en.gifCIBC Dividend Visa$019.99%Fair
product-shot-citi-mastercard-en.gifCIBC Petro-Points MasterCard$019.99%Fair
textblock-platinumVisa-en.gifCIBC Platinum Visa$019.99%Good
citbank-driversgold-mastercard.jpgCitibank Canada Citi Drivers Edge Gold MasterCard$019.9%Good
citibank-driversedge-mastercard.jpgCitibank Canada Citi Drivers Edge MasterCard$019.9%Fair
citibank-driversplatinum-mastercard.jpgCitibank Canada Citi Drivers Edge Platinum MasterCard$019.9%Good
citibank-enrich-mastercard.jpgCitibank Canada Citi Enrich Mastercard$019.9%Fair
citibank-gold-mastercard.jpgCitibank Canada Citi Gold MasterCard$019.9%Good
citibank-mastercard.jpgCitibank Canada Citi MasterCard$019.9%Fair
citibak-petropoints-mastercard.jpgCitibank Canada Citi Petro Points MasterCard$019.9%Good
citibank-platinum-mastercard.jpgCitibank Canada Citi Platinum MasterCard$019.9%Good
citi_staples_easyrewards_mastercard.jpgCitibank Canada Citi Staples easyRewards MasterCard$019.9%Fair
amnestycard.gifCitizens Bank Amnesty International Visa$019.5%Fair
oxfamcard.gifCitizens Bank Oxfam Visa$019.5%Fair
cbc-sharedinterest-visa.gifCitizens Bank Shared Interest Classic Visa$019.5%Fair
coast-classic-visa.gifCoast Capital Desjardins Classic Visa$019.4%Fair
coastcapital-elegance-visa.gifCoast Capital Desjardins Elegance Gold Visa$019.9%Good
coastcapital-student-visa.gifCoast Capital Desjardins Student Visa$018.4%Fair
cuets-nofee-choice-mc.jpgCUETS No Fee Choice Rewards MasterCard$019.99%
cuets-student-mc.jpgCUETS Student MasterCard$019.49%
desjardins-classic.gifDesjardins Classic Visa$019.4%Fair
desjarins-elegance-gold.gifDesjardins Elegance Gold Visa$019.9%Fair
desjardins-studentonly-visa.gifDesjardins For Student Only Visa$019.4%None
hbc-mastercard.jpgHBC MasterCard$029.9%Fair
advance_mc_image_2011.jpgHSBC Advance CashBack MasterCard$017.9%Good
learn-visa-en.gifL'earn Visa $018.59%
laurentian_black_reduced_rate_visa.jpegLaurentian Bank Black Visa$019.49%Fair
mbna-acadiauni-mastercard.jpgMBNA Acadia University Platinum Plus MasterCard$016.99%Good
aerican_qurter_horse_e.gifMBNA American Quarter Horse Association Platinum Plus MasterCard$016.99%Good
mbna-athabascauni-mastercard.jpgMBNA Athabasca University Platinum Plus MasterCard$016.99%Good
best_western.gifMBNA Best Western Platinum Plus MasterCard$019.99%Good
mbna-brandonuni-mastercard.jpgMBNA Brandon University Alumni Association Platinum Plus MasterCard$016.99%Good
mbna-brockuni-mastercard.jpgMBNA Brock University Platinum Plus MasterCard$016.99%Good
caaquebec_plat_e.gifMBNA CAA Quebec MasterCard$016.99%Fair
calgary_flames_e.gifMBNA Calgary Flames Platinum Plus MasterCard$017.99%Good
mbna-canadianbarassociation-mastercard.jpgMBNA Canadian Bar Association Platinum Plus MasterCard$09.99%Good
cdi_cc_sm.gifMBNA Canadian Direct Insurance Inc. MasterCard$014.99%Fair
mbna-nurses-mastercard.jpgMBNA Canadian Nurses Association Platinum Plus MasterCard$016.99%Good
mbna-physio-mastercard.jpgMBNA Canadian Physiotherapy Association Platinum Plus MasterCard$016.99%Good
mbna-wildlife-mastercard.jpgMBNA Canadian Wildlife Federation Platinum Plus MasterCard$016.99%Good
canucksRewards_e.gifMBNA CANUCKS Rewards Platinum Plus MasterCard$019.99%Good
ChoicePrivileges_e.gifMBNA Choice Privileges MasterCard$016.99%Fair
mbna-familyphysicians-mastercard.jpgMBNA College of Family Physicians Platinum Plus MasterCard$016.99%Good
mbna-dalhousie-mastercard.jpgMBNA Dalhousie University Platinum Plus MasterCard$016.99%Good
mbna-ducks-mastercard.jpgMBNA Ducks Unlimited Platinum Plus MasterCard$016.99%Good
eskimos_e.gifMBNA Edmonton Eskimos Platinum Plus MasterCard$019.99%Good
mbna-georgebrown-mastercard.jpgMBNA George Brown College Platinum Plus MasterCard$016.99%Good
gold-mastercard.pngMBNA Gold MasterCard$09.99%Good
Habs_e.gifMBNA HABS Rewards Platinum Plus MasterCard$019.99%Good
mbna-harley-mastercard.jpgMBNA Harley-Davidson Platinum Plus MasterCard$017.99%Good
mbna-humanesociety-mastercard.jpgMBNA Humane Society of Canada Platinum Plus MasterCard$017.99%
itravel2000_e.gifMBNA itravel2000 Platinum Plus MasterCard$019.99%Good
mbna-lakehead-mastercard.jpgMBNA Lakehead University Platinum Plus MasterCard$016.99%Good
mbna-laurentian-mastercard.jpgMBNA Laurentian Alumni Platinum Plus MasterCard$016.99%Good
maple_leafsRewards_e.gifMBNA LEAFS Rewards Platinum Plus MasterCard$019.99%Good
mbna-baseball-mastercard.jpgMBNA Major League Baseball MasterCard$017.99%Fair
MBNA Melaleuca Platinum Plus MasterCard$017.99%Good
mbna-memorialnewfoundland-mastercard.jpgMBNA Memorial University of Newfoundland Platinum Plus MasterCard$016.99%
mbna-molson-mastercard.jpgMBNA Molson Platinum Plus MasterCard$017.99%Good
mbna-canadiens-mastercard.jpgMBNA Montreal Canadiens Platinum Plus MasterCard$017.99%Good
nfl_rs_e.gifMBNA NFL MasterCard$017.99%Fair
mbna-nhl-mastercard.jpgMBNA NHL Preferred MasterCard $017.99%Fair
oilers_e.gifMBNA Oilers Rewards Platinum Plus MasterCard$019.99%Good
mbna-pga-mastercard.jpgMBNA PGA Tour Platinum Plus MasterCard$017.99%Good
mbna_platinum-mastercard.jpgMBNA Platinum Plus MasterCard$017.99%Good
premier_rewards_e.gifMBNA Premier Rewards Platinum Plus MasterCard$019.99%Good
mbna-queens-mastercard.jpgMBNA Queen's University Platinum Plus MasterCard$016.99%Good
raptors_e.gifMBNA Raptors Rewards Platinum Plus MasterCard$019.99%Good
mbna-geographicsociety-mastercard.jpgMBNA Royal Canadian Geographic Society Platinum Plus MasterCard$016.99%Good
mbna-military-mastercard.jpgMBNA Royal Military College Club of Canada Platinum Plus MasterCard$016.99%
mbna-ryerson-mastercard.jpgMBNA Ryerson University Platinum Plus MasterCard$016.99%Good
mbna-saintmarys-mastercard.jpgMBNA Saint Mary's University Platinum Plus MasterCard$016.99%Good
seadoo_e.gifMBNA SEA-DOO Platinum Plus MasterCard $017.99%Good
mbna-seneca-mastercard.jpgMBNA Seneca College Platinum Plus MasterCard$016.99%Good
Sens_e.gifMBNA SENS Rewards Platinum Plus MasterCard$019.99%Good
mbna-sheridan-mastercard.jpgMBNA Sheridan Alumni Platinum Plus MasterCard$016.99%Good
mbna-skidoo-mastercard.jpgMBNA Ski-doo Platinum Plus MasterCard$017.99%Good
smartcash_e.jpgMBNA Smart Cash Platinum Plus$019.99%Good
mbna-sony-mastercard.jpgMBNA Sony Platinum PlusMasterCard$019.99%Good
bluejays_e.gifMBNA Toronto Blue Jays MasterCard$016.99%Fair
mbna-trent-mastercard.jpgMBNA Trent University Platinum Plus MasterCard$016.99%Good
mbna-albertauni-mastercard.jpgMBNA University of Alberta Platinum Plus MasterCard$016.99%
mbna-ubc-mastercard.jpgMBNA University of British Columbia Alumni Association Platinum Plus MasterCard$016.99%
mbna-calgaryuni-mastercard.jpgMBNA University of Calgary Platinum Plus MasterCard$016.99%
mbna-newbrunswick-mastercard.jpgMBNA University of New Brunswick Associated Alumni Platinum Plus MasterCard$016.99%
mbna-ottawa-mastercard.jpgMBNA University of Ottawa Platinum Plus MasterCard$016.99%
mbna-torontouni-mastercard.jpgMBNA University of Toronto Platinum Plus MasterCard$016.99%Good
mbna-uvic-mastercard.jpgMBNA University of Victoria Platinum Plus MasterCard$016.99%
mbna-waterloo-mastercard.jpgMBNA University of Waterloo Platinum Plus MasterCard$016.99%
mbna-westernont-mastercard.jpgMBNA University of Western Ontario Platinum MasterCard$016.99%
mbna-windsor-mastercard.jpgMBNA University of Windsor Platinum Plus MasterCard$016.99%
mbna-york-mastercard.jpgMBNA York University Platinum Plus MasterCard$016.99%Good
card_lg_myhusky.gifmyHusky Rewards MasterCard$019.9%Fair
nbc-gold-mastercard.gifNational Bank Gold Edition MasterCard$019.5%
nbc-husky-mastercard.jpgNational Bank Husky/Mohawk MasterCard$019.9%
nbc-mastercard.jpgNational Bank MasterCard$019.5%Fair
nbc-sunoco-mastercard.jpgNational Bank Sunoco MasterCard$019.9%Fair
nbc-ultramar-mastercard.jpgNational Bank Ultramar Business MasterCard$018.9%
nbc-ultramar-mastercard.jpgNational Bank Ultramar MasterCard$019.9%Fair
moneyback-visa-en.gifNo Fee Scotia Moneyback Visa$019.5%Fair
value-visa-en.gifNo Fee Scotiabank Value Visa$014.99%Fair
gold-visa-en.jpgNo Fee ScotiaGold Visa$019.5%Good
image_not_available.gifNorth Shore Credit Union No Fee Rewards MasterCard$019.99%Good
nscu-student-mc.gifNorth Shore Credit Union Student MasterCard$019.49%
pc-mastercard.jpgPresident's Choice Financial MasterCard$019.97%Good
cashback_mc.pngRBC Cash Back MasterCard$019.99%Good
esso.pngRBC Esso Visa Classic$019.99%Fair
esso.pngRBC Esso Visa Classic for Students$019.99%None
l_rewards_gold.gifRBC Rewards Visa Gold$019.99%Good
m_rewards_gold.gifRBC Rewards Visa Gold for Students$019.99%None
classic2.pngRBC Signature Rewards Visa for Students$019.99%None
l_platinum.gifRBC Visa Platinum$019.99%Good
m_platinum.gifRBC Visa Platinum for Students$019.99%None
51ldKHzw4GL._SL500_AA300_.jpgScotia Momentum No Fee Visa$019.99%Good
scene-visa-en.gifScotiabank Scene Visa$019.5%Fair
scotialine-visa-en.gifScotialine for Business Visa$04%
scotialine-visa-en.gifScotialine Visa Account$04%Good
jpmorgan-sears-mastercard.jpgSears MasterCard$019.99%Fair
drivers_card.jpgTD Drivers Rewards Visa $019.99%Good
TD_GM_Eng_chip_Med.gifTD GM Card Visa$019.99%Fair
select_card.jpgTD Gold Select Visa$019.99%Good
green_card.jpgTD Green Visa$019.99%Fair
rebate_card.jpgTD Rebate Rewards Visa$019.99%Fair
cwb-platinum-plus-mastercard.jpgThink Western Platinum Plus MasterCard$017.99%Good
NameOnCard-8.jpgTrue Earnings Card from Costco and American Express$019.75%Fair
card-classic.jpgVancity enviro Classic Student Visa$019.5%None
card-classic.jpgVancity enviro Classic Visa$019.5%Fair

* Restrictions or additional fees may apply. Check the credit card's web site or fine print for more information.