Best No Annual Fee Credit Cards in Canada (2026)
No annual fee credit cards charge $0 per year to keep the account open. That can make them a practical everyday card, a student option, or a complement to a premium travel card. Compare earning rates, welcome bonuses, and purchase interest rates — a $0 fee does not automatically mean the best overall value. The cards below currently show a $0 annual fee in our data.
Showing 48 cards
RewardsAmerican Express Green Card
by American Express
Annual Fee$0
Welcome BonusUp to $250 (10% on up to $2,000 first 3 months + $50 credit...
Cash BackSimplyCash Card from American Express
by American Express
Annual Fee$0
Welcome Bonusfill from current Amex SimplyCash offer if present
TravelBMO Blue Rewards Mastercard
by BMO
Annual Fee$0
Welcome Bonus20,000 Blue Rewards Bonus Points after qualifying spend
Cash Back
Rewards
StudentStudent BMO CashBack Mastercard
by BMO
Annual Fee$0
Welcome BonusGet 5% cash back in your first 3 months!
Cash Back
Rewards
Rewards
TravelCIBC Aeroplan Visa Card
by CIBC
Annual Fee$0
Welcome BonusEarn up to $200 in value, which includes up to 10,000 Aeropl...
StudentCIBC Aeroplan Visa Card for Students
by CIBC
Annual Fee$0
Welcome BonusEarn up to $200 in value, which includes up to 10,000 Aeropl...
Rewards
StudentCIBC Aventura Visa Card for Students
by CIBC
Annual Fee$0
Welcome BonusEarn up to 12,500 Aventura Points
Cash Back
Cash Back
Student
Rewards
Cash Back
Cash Back
Low Interest
Cash Back
Cash Back
Rewards
RewardsMBNA Rewards Platinum Plus Mastercard
by MBNA
Annual Fee$0
Welcome BonusUp to 10,000 MBNA Rewards points (confirm on MBNA)
Cash Back
Low InterestMBNA True Line Mastercard
by MBNA
Annual Fee$0
Welcome Bonus0% promotional AIR for 12 months on balance transfers comple...
Rewards
Low Interest
Cash Back
Rewards
Rewards
Rewards
Cash BackRBC Cash Back Mastercard
by RBC
Annual Fee$0
Welcome BonusGet up to 7% cash back for the first 3 months on up to $1,00...
Rewards
Low Interest
RBC Visa Platinum
by RBC
Annual Fee$0
Welcome BonusOften none, as it is a strictly no-fee card focused on savin...
Cash Back
Cash Back
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StudentScotia Momentum No-Fee Visa Card (for students)
by Scotiabank
Annual Fee$0
Welcome BonusGet 5% cash back on up to $2,000 in purchases in the first 3...
RewardsScotiabank American Express Card
by Scotiabank
Annual Fee$0
Welcome BonusEarn up to 5,000 bonus Scene+ points
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StudentScotiabank American Express Card (for students)
by Scotiabank
Annual Fee$0
Welcome BonusEarn up to 80,000 bonus Scene+ points (confirm on Scotia pag...
RewardsScotiabank Scene+ Visa Card
by Scotiabank
Annual Fee$0
Welcome BonusEarn up to 10,000 bonus Scene+ points in your first 3 months...
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StudentScotiabank Scene+ Visa Card (for students)
by Scotiabank
Annual Fee$0
Welcome BonusEarn up to 10,000 bonus Scene+ points in your first 3 months...
Cash Back
Cash Back
Cash Back
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