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 8 - 12 of 12 cards | View All
Scotiabank GM VISA Card
  • 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
  • Earnings do not expire
  • No earning or redemption caps
  • Enjoy the same great rewards in 5 unique designs
  • Rates, fees and other information are effective as of August 1, 2019. Subject to change.
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 22.99%
Scotiabank GM VISA Card
Scotiabank® GM®* VISA* Card
  • 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
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now
  • Promotional rate: Earn 4% Money-Back Rewards in up to 3 Categories for 3 Months* with the new Tangerine World Mastercard. (new clients only)
  • Personalized categories and unlimited money-back rewards monthly
  • Automatic earning: 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.
  • No annual fee
  • After promotional period, 2% cashback on your choice of up to 3 categories, 0.5% money back on all other purchases
  • Change your 2% Money-back categories to suit your spending from your choice of 10 categories
  • 1.95% on Balance Transfers for six months
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.95% 1.95% on Balance Transfers for six months 19.95%
Tangerine World Mastercard®
  • Promotional rate: Earn 4% Money-Back Rewards in up to 3 Categories for 3 Months* with the new Tangerine World Mastercard. (new clients only)
  • Personalized categories and unlimited money-back rewards monthly
  • Automatic earning: 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% on Balance Transfers for six months
Cash Advance:
19.95%
Apply Now
Harley-Davidson® Mastercard®
  • Get a chance to win˄ a Harley-Davidson® motorcycle with every eligible purchase‡
  • 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

† Promotional Rates: Balance Transfers: 1.99%

This Promotional Rate applies to any balance transfers made within 90 days of your account opening (each, an “eligible transaction”) and will remain in effect for 10 Statement Periods from the transaction date of each eligible transaction. The Promotional Rate will increase and the remaining balance of the eligible transaction will become subject to the Standard Rate for balance transfers either: (1) on the first day of the first Statement Period that occurs after the expiry of the Promotional Rate; or (2) on the first day of the second Statement Period following any late Minimum Payment. Other conditions apply. Offer may be changed, extended or withdrawn at any time, without notice.

Standard Rates: Purchases: 19.99%
Balance transfers and access cheques: 22.99%
Cash advances: 22.99%

Default Rates:
If your Minimum Payment is late twice within any 12 consecutive Statement Periods (the ""change event""), the Standard Rate(s) that apply to your account at that time will increase 5% to a maximum of 29.99%. The new Standard Rate(s) will apply on the first day of the second Statement Period following the change event.
If you then pay each Minimum Payment on time for 12 consecutive Statement Periods (""cure period""), the Standard Rate(s) that apply to your account at that time will decrease back to the previous Standard Rate(s) prior to the rate increase on the first day of the first Statement Period that occurs after the cure period.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

˄No purchase necessary. Contest closes at 11:59 PM ET on December 31, 2019. Automatically receive one (1) entry for each eligible Harley-Davidson® Mastercard® credit card purchase made during each of the Promotional Periods (Promotional Period 1 = Jan 1 to Mar 31, 2019, 11:59 PM ET, Promotional Period 2 = Apr 1 to Jun 30, 2019, 11:59 PM ET, Promotional Period 3 = Jul 1 to Sep 30, 2019, 11:59 PM ET, Promotional Period 4 = Oct 1 to Dec 31, 2019, 11:59 PM ET). Four (4) prizes available to be won (ARV ranges between $11,499 and $15,333). Odds of winning depend on the number of eligible entries received/stamped (as outlined in the Official Rules) during each Promotional Period. Open to Canadian residents who are Harley-Davidson® Mastercard® credit card holders and have reached the age of majority at the time of entry. Skill-testing question required. For full rules, including no purchase entry details, visit https://www.mbna.ca/document/PDF/MBNA-Harley-Davidson-2019ContestRulesAndRegulations.pdf. Opt-out: If you do not wish to be entered into the Contest, you must indicate your preference to opt-out by contacting Sponsor (and/or its applicable division(s)) by (I) telephone at 1-888-876-6262 (toll-free – 24-hour service) or (II) mail at MBNA Harley-Davidson Mastercard 2019 Contest Opt-out, 23 Prince Andrew Place, Toronto, Ontario, M3C 2H2

‡These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, periodic draws for new Harley-Davidson® Motorcycles, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions upon receipt. Accumulated points can only be redeemed in accordance with the Harley-DavidsonTM Rewards Program (the “H-D Program”). The Toronto-Dominion Bank has no liability or responsibility for any aspect of the H-D Program. Please visit www.harley-davidson.com for complete Harley-DavidsonTM Rewards Program terms and conditions.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
©2019 H-D or its affiliates. HARLEY-DAVIDSON, HARLEY, H-D, and the Bar and Shield Logo are among the trademarks of H-D U.S.A., LLC. Third-party trademarks are the property of their respective owners.

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.

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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 1.99% for your first 10 months. Ongoing: 22.99% 22.99%
Harley-Davidson® Mastercard®
Harley-Davidson® Mastercard® credit card
  • Get a chance to win˄ a Harley-Davidson® motorcycle with every eligible purchase‡
  • 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‡
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
1.99% for your first 10 months. Ongoing: 22.99%
Cash Advance:
22.99%
Apply Now
Tim Hortons Rewards Visa Card
  • $20 Tim Cash™ welcome bonus
  • 1% back in Tim Cash™ on all qualifying purchases
  • No annual fee
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 22.99%
Tim Hortons Rewards Visa Card
Tim Hortons® Double Double™ Visa* Card
  • $20 Tim Cash™ welcome bonus
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now
CIBC Platinum Visa Card
  • No annual fee
  • High purchasing power
  • Exclusive benefits, including Purchase Security and Extended Protection™ Insurance
  • Car rental discounts of up to 25% at participating Avis® and Budget®1 locations with your CIBC credit card
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 22.99%
CIBC Platinum Visa Card
CIBC Platinum Visa Card
  • No annual fee
  • High purchasing power
  • Exclusive benefits, including Purchase Security and Extended Protection™ Insurance
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now