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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® AIR MILES®† MasterCard®*
BMO® AIR MILES®† MasterCard®*

BMO® AIR MILES®† MasterCard®*
  • 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
Typical APR
19.90%*
Balance Transfer
22.99%
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

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

BMO® CashBack® MasterCard®*
  • Limited time: Get 2% cash back* -that's Double the 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
Typical APR
19.99%*
Balance Transfer
22.99%
Balance Transfer Fee
N/A*
Annual Fee
$0*
Credit Needed
Good

No-Fee ScotiaGold® VISA
No-Fee ScotiaGold® VISA

No-Fee ScotiaGold® VISA
  • Rental Car Collision Insurance
  • 20% discount rates at Avis Car Rental
  • Commission-free Travellers Cheques
Typical APR
19.99%*
Balance Transfer
22.99%*
Balance Transfer Fee
1%* (N/A on intro offers)
Annual Fee
$0*
Credit Needed
Good

Capital One® Aspire Travel™ Platinum MasterCard®
Capital One® Aspire Travel™ Platinum MasterCard®

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

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

RBC Visa Infinite‡ Avion®
RBC Visa Infinite‡ Avion®

RBC Visa Infinite‡ Avion®
  • 15,000 welcome bonus RBC Rewards® points, enough for a short-haul flight1
  • A low introductory interest rate of 1.9% for 10 months on balance transfers and cash advancesΔ
  • Earn 1 RBC Rewards point for every $1 spent2
  • Earn 25% more points on travel related purchases3 and up to 15x bonus points4 at top retailers through the RBC Rewards eMall™
  • Use your points to book flights, hotel stays, cruises, vacation packages, car rentals and more5
  • Point flexibility- transfer your RBC Rewards points towards other loyalty programs
  • Premium suite of insurances including trip cancellation, trip interruption, travel medical, car rental insurance, and a lot more*
  • Your entire trip, On Points — redeem your points toward your credit card balance6 using Payback with Points
Typical APR
19.99%*
Balance Transfer
Yes*
Balance Transfer Fee
N/A*
Annual Fee
$120*
Credit Needed
Excellent

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

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

Scotia Momentum® No-Fee VISA Card
Scotia Momentum® No-Fee VISA Card

Scotia Momentum® No-Fee VISA Card
  • 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
Typical APR
19.99%*
Balance Transfer
22.99%*
Balance Transfer Fee
1%* (N/A on intro offers)
Annual Fee
$0*
Credit Needed
Good

Tangerine Money-Back Credit Card
Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card
  • 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
Typical APR
19.95%
Balance Transfer
Yes*
Balance Transfer Fee
1.00% of the amount transferred, or minimum of $5.00
Annual Fee
$0*
Credit Needed
Good

BMO® Preferred Rate MasterCard®*
BMO®  Preferred Rate MasterCard®*

BMO®  Preferred Rate MasterCard®*
  • 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
Typical APR
11.90%*
Balance Transfer
11.9%
Balance Transfer Fee
$0
Annual Fee
$20
Credit Needed
Good

     

     
 
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