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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®** CashBack® MasterCard®*
BMO SPC®** CashBack® MasterCard®*

BMO SPC®** CashBack® MasterCard®*
  • Limited time: Earn bonus $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
Typical APR
19.99%*
Balance Transfer
22.99%
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

TrueLine MasterCard® credit card - Our low rate credit card
TrueLine MasterCard® credit card - Our low rate credit card

TrueLine MasterCard® credit card - Our low rate credit card
  • Get our lowest standard interest rate with the MBNA True Line® MasterCard® credit card
  • Enjoy a standard interest rate of 9.99% on purchases and balance transfers
  • No annual fee
Typical APR
See Terms
Balance Transfer
See Terms
Balance Transfer Fee
1% of amount advanced (minimum fee $7.50)
Annual Fee
None
Credit Needed
Good

Sony Card MasterCard® credit card
Sony Card MasterCard® credit card

Sony Card MasterCard® credit card
  • 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
Typical APR
See Terms
Balance Transfer
See Terms
Balance Transfer Fee
1% of amount advanced (minimum fee $7.50)
Annual Fee
None
Credit Needed
Good

RBC Cash Back MasterCard‡
RBC Cash Back MasterCard‡

RBC Cash Back MasterCard‡
  • 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*
Typical APR
19.99%*
Balance Transfer
Yes*
Balance Transfer Fee
0
Annual Fee
$0*
Credit Needed
Good

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

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
Average Credit

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
Excellent

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

     

     
 
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