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MBNA Platinum Plus® Mastercard®
Apply by Oct 31 and Get a $75 Gift Card
MBNA Platinum Plus® Mastercard® image
Rewards rate N/A
Interest rate 19.99%
Bonus offer 0% Interest rate on balance transfers (first 12 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
0%
21.99% after 12 months
Free gift card offer

Get a FREE $75 gift card from LowestRates.ca

Card description
  • Simplify your finances while enjoying platinum services
  • You could get 0% interest† on balance transfers✪ for the first 12 full months, with a 1% fee (minimum fee of $7.50)
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMs worldwide
  • No annual fee
Features
  • 24/7 Customer Service
  • Fraud Protection
American Express Essential Credit Card
American Express Essential Credit Card image
Rewards rate N/A
Interest rate 8.99%
Bonus offer 1.99% Interest rate on balance transfers (first 6 months)
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
8.99%
Cash advance rate
8.99%
Balance transfer rate
1.99%
8.99% after 6 months
Card description
  • Enjoy a low 8.99% interest rate on purchases
  • Have the flexibility to pay your balance in full or over time
  • Optional Balance Transfer Offer to new Cardmembers – Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at the time of online application. There is no balance transfer fee at the time of application.
  • Access to memorable experiences with American Express InvitesTM
  • Shopping coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.
  • Conditions apply​
Features
  • 24/7 Customer Service
  • Purchase Protection
  • Travel Insurance
MBNA Rewards Mastercard®
MBNA Rewards Mastercard® image
Rewards rate 1 Point per $1 spent
Interest rate 19.99%
Bonus offer 5,000 Bonus points
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
21.99%
Card description
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
SimplyCash Card from American Express
SimplyCash Card from American Express image
Rewards rate 5% Cash back (first 6 months)
Interest rate 19.99%
Bonus offer 1.99% Interest rate on balance transfers (first 6 months)
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
21.99%
Balance transfer rate
1.99%
21.99% after 6 months
Card description
  • Optional Balance Transfer Offer to new Cardmembers - Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • New SimplyCash™ Card from American Express Cardmembers can earn 5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership1
  • Earn 1.25% cash back on all other purchases and when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • No annual fee for Supplementary Cards
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
BMO CashBack Mastercard
BMO CashBack Mastercard image
Rewards rate 1% Cash back on all purchases
Interest rate 19.99%
Bonus offer 4% Cash back (first 4 months)
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Welcome Offer: Get 4% cash back on every purchase (up to $125 cash back) in your first 4 months*
  • Get 1% cash back on all other card purchases with no restrictions*
  • No annual fee*
  • Get up to 25% off rentals at National Car Rental and Alamo Rent A Car*
  • FREE additional cards
  • 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
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
American Express Air Miles Credit Card
American Express Air Miles Credit Card image
Rewards rate 1 Air Miles reward mile per $20 spent
Interest rate 19.99%
Bonus offer 500 Bonus Air Miles
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
21.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
1.99%
21.99% after 6 months
Card description
  • New American Express® AIR MILES®* Credit Card Cardmembers, earn a Welcome Bonus of 500 AIR MILES®* Reward Miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership
  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else
  • Optional Balance Transfer Offer to new Cardmembers - Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • Shop at participating AIR MILES®* Sponsors across Canada with your American Express AIR MILES Credit Card and your AIR MILES®* Collector Card, and you can earn reward miles twice
  • More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from electronics to travel and more
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Travel Insurance
Best Western Mastercard®
Best Western Mastercard® image
Rewards rate 1 Best Western point per $1 spent
Interest rate 19.99%
Bonus offer 20,000 Best Western Rewards points
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
1.99%
21.99% after 10 months
Card description
  • Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® Mastercard® credit card‡
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year♦♦
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more
  • 1.99% promotional annual interest rate† (AIR) on balance transfers* for the first 10 full months
Features
  • No Limit on Points Earned
Harley-Davidson® Mastercard®
Harley-Davidson® Mastercard® image
Rewards rate 1 Genuine Rewards Point per $2 spent
Interest rate 19.99%
Bonus offer 1.99% Interest rate on balance transfers (first 10 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
1.99%
21.99% after 10 months
Card description
  • You could be one purchase away from winning a Harley-Davidson® motorcycle††
  • Use your card for eligible purchases and you may be entered in a quarterly Harley-Davidson motorcycle draw‡
  • 1.99% promotional annual interest rate† (AIR) on balance transfers* for the first 10 full months
  • Earn 1 Genuine Rewards Point for every $2 in eligible purchases‡
  • Redeem your points for Harley Chrome® Cash‡ to be used at participating Harley-Davidson Canadian retailers
  • No annual fee
Tangerine Money-Back Credit Card
Get a FREE $25 Gift Card Upon Approval!
Tangerine Money-Back Credit Card image
Rewards rate 2% Cash back on two categories of your choice
Interest rate 19.95%
Bonus offer N/A
Card details
Network
Mastercard
Provider
Tangerine
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.95%
Cash advance rate
19.95%
Balance transfer rate
19.95%
Free gift card offer

Get a FREE $25 gift card from LowestRates.ca

Card description
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases
  • Get 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
  • No limit on the amount of Money-Back Rewards you can earn
  • No annual fee
  • 2.5% Foreign Conversion Fee
  • Free Cards for Authorized Users on your Account
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • Change your 2% Money-Back Categories to suit your spending.
  • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.
  • Purchase Assurance and Extended Warranty
  • Accepted worldwide at more than 24 million locations in over 210 countries
  • Mastercard Zero Liability
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
SCENE® VISA*
SCENE® VISA* image
Rewards rate 1 SCENE point per $1 spent
Interest rate 19.99%
Bonus offer 5,000 Bonus SCENE points
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Start with 5,000 bonus SCENE points with $500 in everyday purchases within the first three months. That's 5 FREE movies. For accounts opened by October 31, 2017.
  • Earn one SCENE point for every dollar you spend
  • Earn five SCENE points for every dollar you spend at participating Cineplex Entertainment theatres or online at cineplex.com
  • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards
  • No annual fee
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No fee credit cards

 

Tired of paying credit card companies just to use their cards? Not sure if a card without an annual fee will get you the perks you want? Good news: "no fee" no longer means "no frills". You can get a great rewards or cash back card at no annual cost. So whether you're looking for a basic card or one with competitive perks, we can help you find the right no fee credit card.

How does a no fee credit card work?

 

As the name suggests, a no fee credit card is a card that doesn't have an annual fee. A lot of cards charge a fee just for the privilege of using them, but no fee credit cards give you basic credit card benefits and don't charge a dime. Some even come with rewards, cash back, and other perks.

Who should get a no fee credit card?

 

Students, the budget-minded, and anyone who wants a basic, backup credit card. Most students don't have a lot of extra money lying around, so paying annual credit card fees doesn't make sense. And if you're trying to stick to a budget, an annual credit card fee won't help your cause.

At the higher end, some people use fancy, high-reward American Express or Diners Club credit cards, but also carry an extra card in case their main card doesn't work. That's where the no fee credit card comes in. No fee cards cost nothing to own, so they're the perfect back up.

What features and benefits do no fee credit cards have?

 

Cards without annual fees often come with good rewards programs. Many offer cash back, travel rewards, and other rewards points.

For example, here are some of the perks you can get with an American Express AIR MILES Credit Card: you can earn 1 reward mile for every $15 in card purchases at AIR MILES Sponsors and 1 reward mile for every $20 in purchases made everywhere else. On top of that rewards system, you'll also receive a bonus of 500 reward miles the first time you use your card. All for no annual fee.

If you prefer cash rewards, the SimplyCash Card from American Express might be perfect for you. With the SimplyCash Card, you can earn up to 5% cash back on all your gas, grocery, and restaurant purchases for the first 6 months and up to 1.25% cash back on all eligible purchases afterwards.

Many no fee credit cards also offer concierge services, rental car discounts, fraud protection, 24-hour customer service and more. If you pay your balance on time and use your card responsibly, you'll get all these benefits at no extra charge.

Are there any disadvantages to using a no fee credit card?

 

No fee credit cards often don't provide the same level of rewards benefits that fee-charging cards offer.

They usually come with fewer travel benefits as well. You probably won't get trip cancellation coverage, baggage loss reimbursement, or travel emergency medical coverage with a typical no fee card.

Check the table below to see how some of our favourite no fee credit cards stack up against a comparable fee card.

Scotia Momentum No-Fee VISA
Rewards
  • 1% on gas/grocery/drug store purchases and on recurring bills
  • 0.5% on all other eligible purchases
Annual fee
$0
 
Interest rate
7.99%
(19.99% after 6 months)
Sign-up bonus
Not available.
Scotia Momentum VISA Infinite
Rewards
  • 4% on gas/grocery purchases
  • 2% on drug store purchases and recurring bills
  • 1% on other purchases and after annual $25,000 limit
Annual fee
$99,
first year free
Interest rate
19.99%
 
Sign-up bonus
Not available.
The American Express® AIR MILES®* Credit Card

Rewards
  • 1 reward mile for every $15 spent at AIR MILES®* Sponsors and for every $20 spent elsewhere.
Annual fee
$0
 
Interest rate
19.99%
 
Sign-up bonus
500 reward mile sign-up bonus after first use.
The American Express® AIR MILES®* Platinum Credit Card

Rewards
  • 1 reward mile for every $10 spent on gas/grocery/drug store purchases, and for every $15 spent elsewhere.
Annual fee
$65,
first year free
Interest rate
19.99%
 
Sign-up bonus
1,000 reward mile sign-up bonus after $500 in purchases.

What should I watch out for when it comes to my no fee credit card?

 

Some credit cards only waive their annual fee for the first year, but still get categorized as no fee cards. If you're looking for a card that never requires an annual fee, make sure the card's no fee status is permanent and not just an introductory offer.

And, as with all credit cards, check the fine print and carefully review the interest rates and surcharges on the card.

Compare no fee credit cards today

 

Don’t believe in paying annual fees just for the privilege of using a credit card? You’re not alone. There are plenty of great no fee cards out there, and we can help you find the best one — just like that.

More ways to find a great rate