No Annual Fee Credit Cards

For many credit card users an annual fee is out of the question. Paying an annual fee on top of interest payments can really start to add up. Whether you’re looking for a basic no-frills card, or want to earn rewards on your purchases, there are many no annual fee cards to choose from.

  • Look for a rewards card with no annual fee to maximize your rewards potential.
  • Take advantage of introductory rate offers to save even more on your purchases or balance transfers.
  • No annual fee doesn’t mean "no fees at all." Be sure you understand the potential costs of using a credit card.
Showing 1 - 7 of 16 cards | View All
  • Accelerate cash back on common purchases!
  • No annual fee
  • Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 0.5% Cash Back‡ for all other eligible purchases
  • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for the Smart Cash® credit card.

‡, ††, ✪, Terms and Conditions apply.

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

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.

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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 24.99%
MBNA Smart Cash Platinum Plus® Mastercard®
  • Accelerate cash back on common purchases!
  • No annual fee
  • Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
24.99%
Apply Now
  • Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable 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††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
  • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points
  • Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and 24.99% on cash advances
  • Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown
  • No annual fee
  • Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply Now" button.

‡, ††, ✪, ***, Terms and Conditions apply.

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

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.

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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 24.99%
MBNA Rewards Platinum Plus® Mastercard®
  • Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable 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††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
24.99%
Apply Now
  • Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all your other everyday purchases.
  • No annual fee
  • Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
  • Get your Rewards deposited into your Tangerine Savings Account and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn on your everyday purchases
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.95% 1.95% for 6 statement periods 19.95%
Tangerine Money-Back Credit Card 
  • Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all your other everyday purchases.
  • No annual fee
  • Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
  • Full credit card details
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Annual Fee:
$0
APR:
19.95%
Balance Transfer:
1.95% for 6 statement periods
Cash Advance:
19.95%
Apply Now
  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% 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, with a 3% transfer fee.
  • Around-the-clock fraud protection
  • Use available credit on your credit card to transfer funds right to your chequing account.
  • Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply Now" button.

†, ✪, Terms and Conditions apply.

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

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.

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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 12.99% 0% for 12 months 24.99%
MBNA True Line® Mastercard® credit card
  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% 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, with a 3% transfer fee.
  • Full credit card details
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Annual Fee:
$0
APR:
12.99%
Balance Transfer:
0% for 12 months
Cash Advance:
24.99%
Apply Now
  • Welcome offer: Get up to 25,000 bonus points in your first year!* Get 20,000 points when you spend $1,500 - that's a $133 value in your first 3 months!* Plus, earn up to 5,000 bonus points: - 2,500 points for setting up your digital wallet and 2,500 points for setting up pre-authorized payments in the first 3 months.*
  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
  • Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout.* Then get 1 point for every $2 spent on everything else!*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1
  • Receive a discount on car rentals*
  • Purchase Protection*
  • 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
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 20.99% 0.99% introductory interest rate with 2% fee* 23.99% (21.99% for Quebec residents)
BMO eclipse rise Visa* Card
  • Welcome offer: Get up to 25,000 bonus points in your first year!* Get 20,000 points when you spend $1,500 - that's a $133 value in your first 3 months!* Plus, earn up to 5,000 bonus points: - 2,500 points for setting up your digital wallet and 2,500 points for setting up pre-authorized payments in the first 3 months.*
  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
  • Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout.* Then get 1 point for every $2 spent on everything else!*
  • Full credit card details
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Annual Fee:
$0
APR:
20.99%
Balance Transfer:
0.99% introductory interest rate with 2% fee*
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
  • The ideal way to travel and shop – or buy online – from U.S. retailers
  • Shop with no exchange rate surprises.
  • Fee Rebate offer: Spend just $1,000 USD in one year on your card, and the annual fee for the following year is on us*
  • 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
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$35 19.99% 22.99% 22.99% (21.99% for Quebec residents)
BMO U.S. Dollar Mastercard®*
  • The ideal way to travel and shop – or buy online – from U.S. retailers
  • Shop with no exchange rate surprises.
  • Fee Rebate offer: Spend just $1,000 USD in one year on your card, and the annual fee for the following year is on us*
  • Full credit card details
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Annual Fee:
$35
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99% (21.99% for Quebec residents)
Apply Now
  • Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash*
  • Get 3x the Miles for every $25 spent at participating AIR MILES Reward 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
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 20.99% 22.99% 22.99% (21.99% for Quebec residents)
BMO AIR MILES®† Mastercard®* for Students
  • Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash*
  • Get 3x the Miles for every $25 spent at participating AIR MILES Reward Partners* and 2x the Miles for every $25 spent at any eligible grocery store*.
  • Get 1 Mile for every $25 spent everywhere else*
  • Full credit card details
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Annual Fee:
$0
APR:
20.99%
Balance Transfer:
22.99%
Cash Advance:
22.99% (21.99% for Quebec residents)
Apply Now