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 - 13 of 13 cards | View All
Best Western Mastercard® credit card
  • Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® Mastercard® credit card‡
  • 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

† 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).

‡ 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, 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 carefully upon receipt. Accumulated points can only be redeemed in accordance with the Best Western Rewards Program. The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Best Western Rewards Program. Please visit www.bestwestern.com/bwrterms, call Best Western at 1-800-237-8483 or contact Best Western by mail at P.O. Box 42007, Phoenix, AZ, 85080-2207 for complete Best Western Rewards® Program terms and conditions.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8–10 weeks from the transaction date for bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account. This promotion is offered by Best Western and may be amended or cancelled at any time without notice. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
Each Best Western® branded hotel is independently owned and operated. Best Western and the Best Western marks are service marks or registered service marks of Best Western International, Inc.

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%
Best Western Mastercard® credit card
Best Western Mastercard® credit card
  • Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® Mastercard® credit card‡
  • 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‡
  • 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
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 February 1, 2018. 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
  • No Annual Fee
  • Earn 1% in Cash Back Dollars on eligible grocery Purchases and gas Purchases2 and on regularly recurring bill payments3 set up on your Account
  • Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card4
  • Redeem your Cash Back Dollars to help pay down your Account balance whenever you please - the choice is yours!5
  • Your Cash Back Dollars never expire as long as your account is open and in good standing.
  • Purchase Security and Extended Warranty Protection6 on eligible purchases

1 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User. Maximum of 3 Authorized User Cards on the Account.

2 Earn 1% in Cash Back Dollars ("Gas Rebate") for each $1.00 in Purchases of gas or gas station services or products ("Gas Purchases") charged to your TD Cash Back Credit Card Account ("Account") and earn 1% in Cash Back Dollars ("Grocery Rebate") for each $1.00 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchase or Grocery Purchase, as applicable. $5,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Gas Rebate and Grocery Rebate: Each of the Gas Rebate and the Grocery Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Gas Rebate and/or Grocery Rebate, the Gas Purchases and/or Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Gas Rebate or Grocery Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

3 Earn 1% in Cash Back Dollars ("PAP Rebate") on each $1.00 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Cash Back Credit Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Pre-Authorized Payment. $5,000 Cap: The PAP Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4 Earn 0.5% in Cash Back Dollars ("Standard Rebate") on each $1.00 for all other Purchases ("Other Purchases") charged to your TD Cash Back Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5 Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp

*Trademark of Visa International Service Association and used under license.

*Trademark of Visa International Service Association and used under license.
All trade-marks are the property of their respective owners. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
Coin image© 2017 Royal Canadian Mint. All rights reserved

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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 22.99%
TD Cash Back Visa* Card
  • No Annual Fee
  • Earn 1% in Cash Back Dollars on eligible grocery Purchases and gas Purchases2 and on regularly recurring bill payments3 set up on your Account
  • Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card4
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
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.

View More View Less
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
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
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