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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.
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Showing 15 - 16 of 16 cards | View All
MC1 Mastercard®
  • Enjoy a simple, efficient and practical payment solution.
  • Access funds anywhere in the world.
  • Control your spending by setting your credit limit to $500.
  • Protect your purchases with an insurance program you can count on.
  • Protect yourself against unauthorized purchases thanks to the MasterCard® Zero Liability program.
  • National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.
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Apply Now
Secure application on the National Bank website
Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 20.99% 22.49% 22.49%
MC1 Mastercard®
  • Enjoy a simple, efficient and practical payment solution.
  • Access funds anywhere in the world.
  • Control your spending by setting your credit limit to $500.
  • Protect your purchases with an insurance program you can count on.
  • Full credit card details
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Annual Fee:
$0
APR:
20.99%
Balance Transfer:
22.49%
Cash Advance:
22.49%
Apply Now
on the National Bank website
BMO® Blue Rewards Business Mastercard®*
  • Limited time offer: Earn 30,000 Blue Points when you spend $3,000 in the first 110 days.*
  • Here’s how the welcome offer adds up: Bonus Points (worth up to $1,000)*; up to $520 in value with Maple*; up to $268 in value with DragonPass*; $175 annual fee waiver*
  • Earn 10x the Blue Points for every $1 spent at participating Blue Rewards Partners.*
  • Earn 2x the Blue Points for every $1 spent on gas and electric vehicle (EV) charging.*
  • Earn 1 Blue Point for every $1 spent on everything else.*
  • Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout.*
  • Extended warranty and purchase protection*
  • Unlock up to 35% off base rates on your next car rental with Avis and Budget when you prepay at booking.*
  • Get automatic rebates of 1%-25% when you shop at qualifying merchants with Mastercard Easy Savings™.*
  • Enjoy 30% off H&R Block’s DIY and Assisted Channels Tax Offerings.*
  • Get 20% off admission to Cirque du Soleil shows in Canada, and 15% off resident shows in Las Vegas*
  • Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO business credit card.*
  • 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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Apply Now
Secure application on the BMO Bank of Montreal website
Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 20.99% 23.99% 23.99%
BMO® Blue Rewards Business Mastercard®*
  • Limited time offer: Earn 30,000 Blue Points when you spend $3,000 in the first 110 days.*
  • Here’s how the welcome offer adds up: Bonus Points (worth up to $1,000)*; up to $520 in value with Maple*; up to $268 in value with DragonPass*; $175 annual fee waiver*
  • Earn 10x the Blue Points for every $1 spent at participating Blue Rewards Partners.*
  • Earn 2x the Blue Points for every $1 spent on gas and electric vehicle (EV) charging.*
  • Full credit card details
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Annual Fee:
$0
APR:
20.99%
Balance Transfer:
23.99%
Cash Advance:
23.99%
Apply Now
on the BMO Bank of Montreal website