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No Annual Fee Credit 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 SPC®** AIR MILES®† MasterCard®*
BMO SPC®** AIR MILES®† MasterCard®*

BMO SPC®** AIR MILES®† MasterCard®*
  • 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
Typical APR
19.99%*
Balance Transfer
22.99%
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

Capital One® Aspire Cash™ Platinum MasterCard®
Capital One® Aspire Cash™ Platinum MasterCard®

Capital One® Aspire Cash™ Platinum MasterCard®
  • 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
Typical APR
19.8%
Balance Transfer
19.8%
Balance Transfer Fee
See Application
Annual Fee
$0*
Credit Needed
Good Credit

No-Fee Scotiabank Value® VISA Card
No-Fee Scotiabank Value® VISA Card

No-Fee Scotiabank Value® VISA Card
  • 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
Typical APR
16.99%*
Balance Transfer
3.99% for 6 months*
Balance Transfer Fee
1%* (N/A on intro offers)
Annual Fee
$0*
Credit Needed
Good

The Edward Jones MBNA Rewards MasterCard® Credit Card
The Edward Jones MBNA Rewards MasterCard® Credit Card

The Edward Jones MBNA Rewards MasterCard® Credit Card
  • 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
Typical APR
14.99%
Balance Transfer
See Terms
Balance Transfer Fee
1% of amount advanced (minimum fee $7.50)
Annual Fee
None
Credit Needed
Good

HuskyPRO Universal
HuskyPRO Universal

HuskyPRO Universal
  • 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
Typical APR
N/A
Balance Transfer
N/A*
Balance Transfer Fee
N/A*
Annual Fee
$0 Annual Fee
Credit Needed
Fair

The Alterna Platinum Plus MasterCard® Credit Card
The Alterna Platinum Plus MasterCard® Credit Card

The Alterna Platinum Plus MasterCard® Credit Card
  • 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
Typical APR
9.99%*
Balance Transfer
See Terms
Balance Transfer Fee
1% of amount advanced (minimum fee $7.50)
Annual Fee
None
Credit Needed
Good

The Alterna® MBNA Rewards MasterCard® Credit Card
The Alterna® MBNA Rewards MasterCard® Credit Card

The Alterna® MBNA Rewards MasterCard® Credit Card
  • 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
Typical APR
14.99%*
Balance Transfer
See Terms
Balance Transfer Fee
1% of amount advanced (minimum fee $7.50)
Annual Fee
None
Credit Needed
Good

The Canadian Western Bank Platinum Plus MasterCard® Credit Card
The Canadian Western Bank Platinum Plus MasterCard® Credit Card

The Canadian Western Bank Platinum Plus MasterCard® Credit Card
  • 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
Typical APR
9.99%
Balance Transfer
See Terms
Balance Transfer Fee
1% of amount advanced (minimum fee $7.50)
Annual Fee
None
Credit Needed
Good

Ultramar MasterCard® Corporate Card
Ultramar MasterCard® Corporate Card

Ultramar MasterCard® Corporate Card
  • 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
Typical APR
N/A
Balance Transfer
N/A*
Balance Transfer Fee
N/A*
Annual Fee
$0 Annual Fee
Credit Needed
Fair

The Canadian Western Bank MBNA Rewards MasterCard® Credit Card
The Canadian Western Bank MBNA Rewards MasterCard® Credit Card

The Canadian Western Bank MBNA Rewards MasterCard® Credit Card
  • 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
Typical APR
14.99%
Balance Transfer
See Terms
Balance Transfer Fee
1% of amount advanced (minimum fee $7.50)
Annual Fee
None
Credit Needed
Good

     

     
 
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