Best No-Annual-Fee Credit Cards in Canada Right Now
Start with a $0 card that matches how you already shop. Tangerine, Simplii, Scene+, PC Optimum, and no-fee Amex cash back cover most Canadians who pay in full.
Read the guideNo 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 list a $0 annual fee.
By Andrew Card details as of How we review cards
Start with a $0 card that matches how you already shop. Tangerine, Simplii, Scene+, PC Optimum, and no-fee Amex cash back cover most Canadians who pay in full.
Read the guideShowing 51 cards



by BMO
Annual fee
$0
Welcome bonus
up to $133 (20,000 Points at BMO's in-store/eGift Card rate of 1,500 Points = $10)



by BMO
Annual fee
$0
Welcome bonus
Get 5% cash back in your first 3 months!






by CIBC
Annual fee
$0
Welcome bonus
up to $200 (incl. $110 Skip+ value; points alone up to $125)

by CIBC
Annual fee
$0
Welcome bonus
up to $200 (incl. $110 Skip+ value; points alone up to $125)











by MBNA
Annual fee
$0
Welcome bonus
Up to 10,000 bonus MBNA Rewards points


by MBNA
Annual fee
$0
Welcome bonus
0% promotional AIR for 12 months on balanc...














by Scotiabank
Annual fee
$0
Welcome bonus
7.99% introductory interest rate on purcha...

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by Scotiabank
Annual fee
$0
Welcome bonus
$100 in cash back

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by Scotiabank
Annual fee
$0
Welcome bonus
up to 5,000 bonus Scene+ points (about $50)
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by Scotiabank
Annual fee
$0
Welcome bonus
up to 10,000 bonus Scene+ points ($100 value)





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