No Annual Fee Credit Cards (2024)

Capital One Aspire Travel™ Platinum Mastercard®

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Earn reward miles – with no annual fee!
Earn 1 reward mile for every $1 spent – on all purchases
There’s no limit to the amount of reward miles you can earn
Standard annual interest rate of 21.9% – 29.9% on purchases and balance transfers
Standard annual interest rate for cash advances is 21.9% – 29.9%
Redeem for travel, cash or gift cards
Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
Add an authorized user for $0

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.9% – 29.9%

PC® Mastercard®

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The PC® Mastercard® earns you 10 PC Optimum™ points for every $1 spent everywhere you shop. Plus earn even more points on everyday essentials like gas & groceries at participating stores. No limits on points earning, no annual fee! Welcome offer of $20 in points*.
Earn rewards with the award-winning, no annual fee PC® Mastercard®. Watch your PC Optimum™ points pile up with 10 points for every dollar you spend anywhere. Fuel your savings even faster with bonus points on everyday essentials like gas and groceries at participating stores. There’s no limit to your points earning potential and no annual fee! Plus, enjoy a welcome offer of $20 in points to kickstart your rewards journey*.
*Conditions apply to all benefits and offers.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.99% Fixed

BMO AIR MILES® Mastercard® (Student)

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Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash*
Get3x the Milesfor every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.
Get 1 Mile for every $25 spent everywhere else*
Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
Get AIR MILES back every time you spend, plus start building a healthy credit history
Best BMO AIR MILES Mastercard for Students
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
*Terms and conditions apply

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99% Variable

National Bank Allure Mastercard®

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Support the Quebec Breast Cancer Foundation and get cashback.
Earn 1 point for every $2 spent
For every 1,000 points accumulated with your credit card, you automatically receive a $10 discount in your credit card account once a year.
Extended warranty*
Purchase protection in case of theft or damage*

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99%

BMO CashBack® Mastercard®* (Student)

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Welcome offer: Get 5% cash back in your first 3 months*
Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
Now earn the highest cash back on groceries in Canada without paying an annual fee!✝
Get cash back every time you spend, plus start building a healthy credit history
Best BMO CashBack Mastercard for Students
Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account*
No Annual fee*
Extended Warranty*
Purchase Protection*
Receive a discount on car rentals*
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
✝Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of January 4, 2023.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99 % Variable

National Bank MC1 Mastercard®

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Keep it simple, one credit card for all your expenses.
Access funds anywhere in the world.
Protect your purchases with an insurance program you can count on.
Protect yourself against unauthorized purchases thanks to the MasterCard® Zero Liability program.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99%

MBNA Rewards Platinum Plus® Mastercard® credit card

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Welcome Offer: Earn up to 10,000 bonus points ($50 cash back value)
(This offer is not available for residents of Quebec)
4 points✝✝ for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases in the first 90 days
2 points‡ for every $1 spent on eligible purchases in those categories thereafter (until $10,000 is spent annually in each category)
1 point‡ for every $1 spent on all other eligible purchases
5,000 bonus points✝✝ ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening
5,000 bonus points✝✝ once enrolled for paperless e-statements within the first 90 days of account opening
No annual fee

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 19.99%

Capital One Guaranteed Secured Mastercard®

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Guaranteed credit card approval (terms and conditions apply)
Establish or repair your credit
Security funds required
Standard annual interest rate of 21.9% – 29.9% on purchases and balance transfers
Standard annual interest rate for cash advances is 21.9% – 29.9%
Valuable Mastercard and Everyday benefits.
Add an authorized user for $0
Zero Liability protection, so you won’t be held responsible for unauthorized use of your card

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.9% – 29.9%

Capital One Aspire Cash™ Platinum Mastercard®

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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
Standard annual interest rate of 21.9% – 29.9% on purchases and balance transfers
Standard annual interest rate for cash advances is 21.9% – 29.9%
Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
Add an authorized user for $0

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.9% – 29.9%

RBC Cash Back Mastercard

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No Annual Fee Credit Card that lets you earn unlimited cash back credits with every purchase
Earn up to 2% cash back on grocery store purchases and up to 1% cash back on all other qualifying purchases and pre-authorized payments
Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Earn more Be Well points at Rexall – Get 50 Be Well points for every $1 spent on eligible products at Rexall
Get a 3-month complimentary DashPass subscription from DoorDash – a value of almost $30
Refer to RBC page for up to date offer terms and conditions

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99%

BMO AIR MILES® Mastercard®*

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Limited time offer: Get 1,500 AIR MILES Bonus Miles!* That’s enough for $150 towards purchases with AIR MILES Cash*
Earn over 10x faster than other AIR MILES collectors**: Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.
2x the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers.
Plus, 1 Mile for every $25 that you spend with your credit card everywhere else
Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.
No annual fee*
Receive a discount on car rentals*
Extended Warranty*
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

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99% Variable

Desjardins Cash Back Mastercard

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No annual fee cash back credit card
Get up to 2% cash back on your purchases, a mobile device insurance and 3 day travel insurance at no annual fees!

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 19.90%

Capital One Guaranteed Mastercard®

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Guaranteed credit card approval (terms and conditions apply)
Establish or repair your credit
Standard annual interest rate of 21.9% – 29.9% on purchases and balance transfers
Standard annual interest rate for cash advances is 21.9% – 29.9%
Valuable Mastercard and Everyday benefits.
Add an authorized user for $0
Security funds may be required
Zero Liability protection, so you won’t be held responsible for unauthorized use of your card

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.9% – 29.9%

PC® World Elite® Mastercard®

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The PC® World Elite® Mastercard® gives you 10 PC Optimum points for every $1 spent everywhere you shop. Plus earn even more points on everyday essentials like gas & groceries at participating stores. No limits on points earning no annual fee! Welcome offer of $20 in points*.
Earn rewards with the award-winning, no annual fee PC® World Elite® Mastercard®. Enjoy at least 3 cents per litre in points at Esso™ and Mobil™ stations, rack up 30 PC Optimum™ points per dollar on groceries and other purchases at Loblaw banner stores, and 45 points per dollar at Shoppers Drug Mart® stores. Earn 10 points for every dollar spent on everything else, plus a welcome offer of $20 in points*. Watch your PC Optimum™ points grow without expiry dates or limits, and no annual fee!
*Conditions apply to all benefits and offers.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.99% Fixed

PC® World Mastercard®

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The PC® World Mastercard® earns you 10 PC Optimum points for every $1 spent everywhere you shop. Plus earn even more points on everyday essentials like gas & groceries at participating stores. No limits on points earning, no annual fee! Welcome offer of $20 in points*.
Earn rewards with the award-winning, no annual fee PC® World Mastercard®. Enjoy at least 3 cents per litre in points at Esso™ and Mobil™ stations, rack up 20 PC Optimum™ points per dollar on groceries and other purchases at Loblaw banner stores, and 35 points per dollar at Shoppers Drug Mart® stores. Earn 10 points for every dollar spent on everything else, plus a welcome offer of $20 in points*. Watch your PC Optimum™ points grow without expiry dates or limits, and no annual fee!
*Conditions apply to all benefits and offers.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.99% Fixed

MBNA True Line® Mastercard® credit card

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0% interest for 12 months on balance transfers
This offer is not available for residents of Quebec
No annual fee
Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances
You could get a 0% promotional annual interest rate (“AIR”)✝ for 12 months on balance transfers✪ completed within 90 days of account opening
Around-the-clock fraud protection
Use available credit on your credit card to transfer funds right to your chequing account.
This card is made from 100% recycled plastic
Apply for the MBNA True Line® Mastercard® credit card today

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 12.99%