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No Annual Fee Credit Cards

No Annual Fee credit cards, No Annual Fee credit card reviews and credit card application details.

No annual fee credit cards are a good solution for those who want to save on hefty fees when using a credit card. Most big banks in Canada such as RBC Royal Bank and Toronto Dominion, as well as many chartered banks offer no annual fee credit cards.

RBC Rewards Visa Gold by the RBC Royal Bank is offered with no interest rate of 19.99 percent, annual fee, and free additional cards. The card is featured with zero cardholder liability, minimum credit limit of $1,000, and guaranteed hotel reservations. Chip and PIN technology and Visa pasWave are also available. As the name suggests, the card earns rewards points which can be redeemed for travel, gift cards and certificates, merchandise, and more. One bonus point is equal to one dollar charged to the card.

TD Canada Trust offers another no fee credit card, the Rebate Rewards Visa. The card is featured with a minimum credit limit of $1,500, no annual fee, 19.99 percent interest rate, and free additional cards. Likely applicants have a minimum household income of $12,000. The card earns between 0.5 and 1 percent in annual cash rebates. The Rebate Rewards Visa comes with many beneficial options, including 24-hour account and cash access, no fee balance transfers, checking cashing privileges, budget rent-a-car preferred rates, and more.

A no fee credit card is offered by Scotiabank as well. The No-Fee Scotiabank Value Visa Card goes with a minimum credit limit of $500, grace period of 21 days or over, interest rate of 16.99 percent, and zero annual fee. For a limited time, the bank offers interest rate of 1.99 percent for the first 6 months. Applicants have to be of legal age and show a minimum monthly income of $1,000 a month. Only Canadian citizens and landed immigrants can apply for this card. They should not have filed for bankruptcies during the last 7 years. To apply, clients of Scotiabank should provide their contact and personal details, together with monthly housing costs, employment information, monthly obligations, and gross monthly income.

Capital One features the SmartLine Platinum MasterCard which goes with no annual fee, interest rate of just 5.99 percent, and APR of 19.8 percent on cash advances. Only applicants with excellent credit rating are considered. This card is a good choice for persons who carry a balance, have minimum monthly income of $40,000 and moderate monthly spending. The card comes with plenty of additional benefits such as extended warranty, baggage delay insurance, travel accident insurance, zero fraud liability, and more. Master Global Services are also featured with the card, including emergency cash advances, emergency card replacement, and 24/7 telephone access. The Cash Back Gold MasterCard is another offer by Capital One, which comes with no annual fee, interest rate of 19.8 percent on cash advances and purchases, and up to 1 percent cash back on purchases charged to the card. Likely applicants are persons with good credit and minimum household income of $30,000. It is a good choice for people who do not carry a balance.

NameTypeInterest RateAnnual Fee
Esso Visa Classic cardVisa19.99%$0
Target RBC MasterCardVisa19.9%$0
Rewards Visa Gold CardVisa19.99%$0
Visa Platinum CardVisa19.99%$0
Visa Classic Student CardVisa19.99%$0
American Express AIR MILES Credit CardAMEX18.5%$0
American Express Costco Platinum Cash Rebate CardAMEX19.75%$0
American Express Canada Holt RenfrewAMEX18.99%$0
American Express Canada AIR MILES Gold Credit CardAMEX18.5%$0
Shoppers Optimum Mastercard MasterCard19.99%$0
CIBC Classic VISAVisa19.99%$0
CIBC Dividend CardVisa19.9%$0
CIBC Classic VISA Card for StudentsVisa19.99%$0
Capital One Cash Back Gold MasterCardMasterCard19.8%$0
Citi MasterCardMasterCard19.99%$0
Citi Gold MasterCardMasterCard19.99%$0
Citi Platinum MasterCardMasterCard19.99%$0
VISA Desjardins for Students ONLYVisa19.4%$0
The VISA Desjardins Classic cardVisa19.4%$0
The VISA Desjardins Elegance GOLD CardVisa19.9%$0
The GM CardVisa19.99%$0
TD Green Visa CardVisa19.99%$0
TD Gold Select Visa CardVisa19.99%$0
Citi Enrich MasterCardMasterCard19.99%$0
Citi STAPLES easyRewards MasterCard MasterCard19.99%$0
Home Depot Consumer Credit CardMasterCard28.8%$0
Club Sobeys MasterCard MasterCard19.9%$0
Citi PETRO-POINTS MasterCardMasterCard19.99%$0
American Express Business CardAMEX18.5%$0
Blue Sky from American ExpressAMEX19.99%$0
ScotiaLine VISA CardVisa0%$0
No-Fee ScotiaGold VISA CardVisa19.99%$0
Scotia Moneyback VISA CardVisa19.5%$0
No-Fee Scotiabank Value VISA CardVisa16.99%$0
Home Trust Secured VISA CardVisa19.5%$0
HSBC MasterCardMasterCard19.9%$0
HSBC Premier MasterCard MasterCard12.9%$0
Laurentian VISA Black Reward MeVisa19.99%$0
MBNA Canada Gold MasterCardMasterCard9.99%$0
MBNA Canada NHL MasterCardMasterCard17.99%$0
MBNA Canada CFL MasterCardMasterCard17.99%$0
MBNA iTravel200 Rewards MasterCardMasterCard19.99%$0
MBNA University of Toronto PlatinumPlus MasterCardMasterCard16.99%$0
MBNA University of Alberta PlatinumPlus MasterCardMasterCard16.99%$0
MBNA University of Ottawa PlatinumPlus MasterCardMasterCard16.99%$0
MBNA Queens University at Kingston MasterCardMasterCard16.99%$0
National Bank Gold Edition MasterCardMasterCard19.5%$0
National Bank MasterCardMasterCard19.5%$0
National Bank Ultramar MasterCardMasterCard19.9%$0
National Bank MasterCard Business CardMasterCard19.9%$0
BMO AIR MILES MasterCardMasterCard19.5%$0
President's Choice Financial MasterCardMasterCard19.97%$0
enviro Classic VISAVisa19.5%$0
Canadian Tire Options MasterCardMasterCard18.9%$0
The Hbc credit cardStore28.8%$0
Home Depot Consumer Credit CardStore28.8%$0
The Home Depot Commercial Revolving CardStore24.99%$0
The Home Depot Commercial CardStore21.99%$0
Walmart Credit CardMasterCard18.87%$0
ICICI Bank Sterling Silver Credit CardMasterCard0%$0
MBNA Ryerson University MasterCardMasterCard16.99%$0
MBNA Acadia University MasterCardMasterCard16.99%$0
MBNA York University MasterCardMasterCard16.99%$0
MBNA University of Western Ontario MasterCardMasterCard16.99%$0
MBNA University of Victoria MasterCardMasterCard16.99%$0
MBNA Athabasca University MasterCardMasterCard16.99%$0
MBNA Trent University MasterCardMasterCard16.99%$0
MBNA Seneca College MasterCardMasterCard19.99%$0
MBNA Memorial University of Newfoundland MasterCardMasterCard16.99%$0
MBNA Lakehead University MasterCardMasterCard16.99%$0
MBNA Dalhousie University MasterCardMasterCard16.99%$0
MBNA Brock University MasterCardMasterCard16.99%$0
MBNA Brandon University MasterCardMasterCard19.99%$0
MBNA Canadian Bar Association MasterCardMasterCard9.99%$0
MBNA Canadian Nurses Association MasterCardMasterCard16.99%$0
Petro-Canada Personal Credit CardStore24%$0
American Express AIR MILES Gold Business CardAMEX17.24%$0
True Earnings Card from Costco and American ExpressAMEX19.99%$0
Pre-Paid Petro Canada CardStore0%$0
BMO CashBack MasterCardMasterCard19.5%$0
BMO SPC AIR MILES MasterCardMasterCard19.5%$0
BMO SPC CashBack MasterCardMasterCard19.5%$0
BMO Preferred Rate MasterCardMasterCard17.5%$0
BMO Prepaid Travel MasterCardMasterCard0%$0
Gas Advantage MasterCardMasterCard18.9%$0
Cash Advantage MasterCardMasterCard18.9%$0
ScotiaBank Learn VISA cardVisa19.99%$0
TD Rebate Rewards Visa CardVisa19.99%$0
HSBC Advance MasterCardMasterCard17.9%$0
Aspire Cash Platinum MasterCardMasterCard16.8%$0
Scotia Momentum No-Fee VISA cardVisa19.99%$0
SCENE VISA cardVisa19.99%$0