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Compare no fee credit cards with rewards, perks, or just the basics.

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This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Rewards rate N/A
Interest rate 12.99%
Bonus offer 0% 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
12.99%
Cash advance rate
24.99%
Balance transfer rate
0%
12.99% after 10 months
Card description
  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50). 
  • Around-the-clock fraud protection
  • Access to 24/7 customer service
  • Immediate cash access at over 1 million ATMs internationally
Features
  • 24/7 Customer Service
  • Fraud Protection
Rewards rate 4% Cash back on two categories of your choice
Interest rate 19.95%
Bonus offer 1.95% Interest rate on balance transfers (first 6 months)
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
1.95%
19.95% after 6 months
Card description
  • Get a 1.95% interest rate on balance transfers for the first 6 months, with a fee of 1% of the amount advanced
    • Only available for 30 days after being approved for a Tangerine Credit Card
  • Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of your choice, and 0.50% 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
Rewards rate N/A
Interest rate 16.99%
Bonus offer 3.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
16.99%
Cash advance rate
16.99%
Balance transfer rate
3.99%
16.99% after 6 months
Card description
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that) ◊. For accounts opened by June 30, 2019.
  • A great low rate with no annual fee.
  • Pay down balances faster.
  • Simplify your monthly payments.
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Features
  • Rental Car Discounts

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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
22.99%
Balance transfer rate
1.99%
22.99% after 10 months
Card description
  • 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‡ 
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay 
  • 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. 
  • You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪and access cheques, and 22.99% on cash advances
  • No annual fee
Features
  • No Limit on Points Earned

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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
22.99%
Balance transfer rate
1.99%
22.99% after 10 months
Card description
  • You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Earn 1 Genuine Rewards Point or every $2 in eligible purchases‡
  • Redeem your points for Harley Chrome® Cash‡ to be used at participating Harley-Davidson Canadian retailers
  • Use your card for eligible purchases and you may be entered in a quarterly Harley-Davidson motorcycle draw‡
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪and access cheques, and 22.99% on cash advances
  • No annual fee
Rewards rate 1% Cash back on all purchases
Interest rate 19.99%
Bonus offer 5% Cash back (first 3 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
1.99%
22.99% after 9 months
Card description
  • Welcome offer: Get 5% cash back in your first 3 months*
  • Get a 1.99% introductory interest rate on balance transfers for 9 months*
    • 1% fee applies to balance amounts transferred*
  • Get 1% cash back on all other card purchases with no restrictions*
  • No annual fee*
  • Minimum 15K individual household income*
  • 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
Rewards rate 1% Cash back on eligible purchases
Interest rate 7.99% 19.99% after 6 months
Bonus offer 7.99% Interest rate on purchases (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
7.99%
19.99% after 6 months
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • 7.99% introductory interest rate on purchases for the first 6 months †. For accounts opened by June 30, 2019.
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bills
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Features
  • Rental Car Discounts
Rewards rate 2.5% Cash back (first 3 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
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
1.99%
22.99% after 6 months
Card description
  • New SimplyCash™ Card from American Express card members can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of card membership
  • Earn 1.25% cash back on purchases when your welcome rate ends
  • No limit to the amount of cash back you can earn after your welcome rate ends
  • Optional balance transfer offer – Enjoy a 1.99% interest in first 6 months of card membership if you choose to transfer your other credit card balances to this American Express card
  • Balance transfer option is only available at time of online application. There is no balance transfer fee at time of application
  • Access to memorable experiences with American Express Invites®
  • Insurance 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 and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Rewards rate 2 Points per $1 spent on gas, groceries, and restaurant purchases
Interest rate 19.99%
Bonus offer 10,000 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
22.99%
Card description
  • Accelerate rewards points on common purchases!
  • No annual fee
  • 1 point‡ for every $1 in eligible purchases
  • 2 points‡ for every $1 spent on eligible gas, groceries and restaurant purchases ($5,000 annual cap on each category) 
  • Receive 5,000 bonus points†† after your first eligible purchase within the first 90 days of account opening
  • Receive 5,000 bonus points†† once enrolled for e-statements within the first 90 days of account opening 
  • Redeem points‡ for travel, brand-name merchandise, gift cards from participating retailers, cash back, and charitable donations
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • A suite of comprehensive insurance**
  • Take advantage of an everyday rewards card with no annual fee. Apply now for the MBNA Rewards® credit card.
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
Rewards rate 5% In GM Earnings (up to $5,000 in purchases)
Interest rate 17.99%
Bonus offer N/A
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
17.99%
Cash advance rate
17.99%
Balance transfer rate
17.99%
Card description
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
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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