Looking for the best no fee credit card in Canada? No problem!
If you are looking for the top credit cards without any fees, look no further. These cards are the ones you're looking for.

The best no fee cards
Card | First year value | Annual fee | Rewards † | |
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19.95% Cash Advance, 19.95% Balance Transfer
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$255
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$0 |
Get 10% back* on everyday purchases and 1.95% Balance Transfer promo for 6 months.
Mastercard® Airport Experiences Provided by LoungeKey * Boingo Wi-Fi for Mastercard®* Mastercard® Travel Rewards* On-Demand and Subscription Services* Rental Car Collision/Loss Damage Insurance* Mobile Device Insurance* † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Get 10% back* on everyday purchases and 1.95% Balance Transfer promo for 6 months. Mastercard® Airport Experiences Provided by LoungeKey * Boingo Wi-Fi for Mastercard®* Mastercard® Travel Rewards* On-Demand and Subscription Services* Rental Car Collision/Loss Damage Insurance* Mobile Device Insurance* † Conditions Apply
Best used for:
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Apply Now | ||||
19.95% Purchase Interest, 19.95% Cash Advance
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$255
|
$0 |
Enjoy the extra 10% back* and 1.95% Balance Transfer promo for 6 months
Exclusive Experiences and Offers Zero Liability Extended Warranty † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Enjoy the extra 10% back* and 1.95% Balance Transfer promo for 6 months Exclusive Experiences and Offers Zero Liability Extended Warranty † Conditions Apply
Best used for:
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Apply Now | ||||
19.89% Purchase Interest, 21.49% Cash Advance, 19.89% Balance Transfer
|
$273
|
$0 |
Start with up to $25† in bonus Walmart Reward Dollars.
$15 Welcome Bonus†+ $10 Paperless statement Bonus† Earn Walmart Rewards for no annual fee. Earn 3% back pre-tax when shopping online at Walmart.ca. Earn 1.25% back pre-tax at Walmart and back on gas Earn 1% back everywhere else. † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Start with up to $25† in bonus Walmart Reward Dollars. $15 Welcome Bonus†+ $10 Paperless statement Bonus† Earn Walmart Rewards for no annual fee. Earn 3% back pre-tax when shopping online at Walmart.ca. Earn 1.25% back pre-tax at Walmart and back on gas Earn 1% back everywhere else. † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
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-
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$0 |
Earn 5,000 bonus Scene+™ points with your first $750 in everyday purchases in the first 3 months.
Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Earn 5,000 bonus Scene+™ points with your first $750 in everyday purchases in the first 3 months. Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases † Conditions Apply
Best used for:
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Apply Now | ||||
19.89% Purchase Interest, 21.49% Cash Advance, 19.89% Balance Transfer
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-
|
$0 |
Start with up to $25† in bonus Walmart Reward Dollars.
$15 Welcome Bonus†+ $10 Paperless statement Bonus† Earn Walmart Rewards for no annual fee. Earn 1.25% back pre-tax when shopping online at Walmart.ca. Earn 1.25% back pre-tax at Walmart. Earn 1% back on gas. Earn 1% back everywhere else. † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Start with up to $25† in bonus Walmart Reward Dollars. $15 Welcome Bonus†+ $10 Paperless statement Bonus† Earn Walmart Rewards for no annual fee. Earn 1.25% back pre-tax when shopping online at Walmart.ca. Earn 1.25% back pre-tax at Walmart. Earn 1% back on gas. Earn 1% back everywhere else. † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
|
$192
|
$0 |
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Plus, get a 0% introductory interest rate on purchases and balance transfers for the first 6 months Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments. Earn 0.5% cash back on all other eligible purchases. † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on purchases and balance transfers for the first 6 months Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments. Earn 0.5% cash back on all other eligible purchases. † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
|
$300
|
$0 |
Get Unlimited Cash Back on Your Purchases
Get unlimited cash back* . Plus, your rewards accumulate automatically so you don't need to keep track. Load personalized offers for great brands before you shop to get cash savings or to earn bonus RBC Rewards points faster Link your card and instantly save 3¢/L on fuel* and always earn 20% more Petro-Points at Petro-Canada* No annual fee † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Get Unlimited Cash Back on Your Purchases Get unlimited cash back* . Plus, your rewards accumulate automatically so you don't need to keep track. Load personalized offers for great brands before you shop to get cash savings or to earn bonus RBC Rewards points faster Link your card and instantly save 3¢/L on fuel* and always earn 20% more Petro-Points at Petro-Canada* No annual fee † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
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$248
|
$0 |
Welcome offer 9.99% promotional interest rate on purchases for the first 6 months.
Earn a $50 value in TD Rewards Points to use at Amazon.ca with Shop with Points Redeem TD Rewards Points you’ve earned towards everyday perks like cash back, gift cards and more. TD Rewards Points will never expire . † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Welcome offer 9.99% promotional interest rate on purchases for the first 6 months. Earn a $50 value in TD Rewards Points to use at Amazon.ca with Shop with Points Redeem TD Rewards Points you’ve earned towards everyday perks like cash back, gift cards and more. TD Rewards Points will never expire . † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
|
$226
|
$0 |
Welcome offer: Get 10,000 points when you spend $1,000 in the first 3 months and a 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee.*
Redeem points for flights, hotels, car rentals, cruises and vacation packages – with no black-out periods No extra costs – your points cover all flight fees and taxes Treat yourself to something from our extensive catalogue, featuring hundreds of products and gift cards from top brands Save for the future by redeeming points for a contribution to a BMO savings or investment account † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Welcome offer: Get 10,000 points when you spend $1,000 in the first 3 months and a 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee.* Redeem points for flights, hotels, car rentals, cruises and vacation packages – with no black-out periods No extra costs – your points cover all flight fees and taxes Treat yourself to something from our extensive catalogue, featuring hundreds of products and gift cards from top brands Save for the future by redeeming points for a contribution to a BMO savings or investment account † Conditions Apply
Best used for:
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Apply Now |
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