No Annual Fee Credit Cards


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Low Rate Credit Cards

No Annual Fee cards

Reward Credit Cards

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Corporate Credit Cards

Secured Credit Cards

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Retail Charge Cards

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Credit Cards by Bank
	TD Canada Trust
	Bank of Montreal
	Scotiabank
	MBNA Canada
	Royal Bank
	National Bank of Canada
	Capital One
	Canadian Tire
	Citi Bank
	CS CO-OP
	Citizens Bank of Canada
	HSBC
	Desjardins
	VanCity
	Laurentian Bank
	HorizonPlus Secured

No Annual Fee Credit Cards

Many credit cards do not charge annual fees. However, when deciding which one is the best fit for you there are many factors to consider. The most important being the interest rate they charge and what premiums you get from the card.

Featured Credit Card - SmartLine Platinum MasterCard


No annual fee

    Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long as you pay your bills on time)

    After that rate will stay low and become a variable rate of Prime +3.75% on purchases and balance transfers

    A Save money when you transfer high-interest debt with our no-fee balance tranfer service

Interest Rate Annual Fee Minimum credit limit Cash Advances Credit Needed

5.99% for 3 years None $2,500 19.8% Good Credit

Featured Credit Card - Reward Miles Platinum MasterCard


Redeem for travel, cash, gift cards or merchandise

    Reward miles that never expire

    Choose the airline and when to fly

    No blackout dates or seat restrictions

    Easy redemption: online or on the phone

Interest Rate Annual Fee Minimum credit limit Cash Advances Credit Needed

Variable, Currently 19.8% None $5,000 19.8% Excellent Credit

TD Green Visa Card


	Up to $200,000 in Common Carrier Travel Accident Insurance
	Up to three free supplementary cards.
	Budget Rent A Car Preferred Rates
	Purchase Security and Extended Warranty Protection

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.75%	None	$500	Up to $500	Fair Credit

VanCity EnviroFund VISA


	Almost anything you buy with your VanCity EnviroFund VISA card will be repaired, replaced or reimbursed in the event of theft or damage within 90 days of purchase.
	The manufacturer's warranty on most items you purchase doubles or extends (up to one year) when you use your VanCity EnviroFund VISA card
	You'll receive up to $200,000 of Travel Accident Insurance at no charge when you use your VanCity EnviroFund VISA card to purchase your common carrier fare
	In the event of an emergency, you'll receive a replacement card, usually within 48 hours

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
17.75%	None	$500	Up to $500	Fair Credit

Canadian Tire Options Mastercard

	You can automatically earn Canadian Tire 'Money' On The Card everywhere, everyday whenever you shop with the Options MasterCard Card.
	Earn Canadian Tire 'Money' On The Card at Canadian Tire Gas Bars.
	Earn 20% more when you use it instead of cash or debit card to pay for your Canadian Tire store purchases.

RBC VISA Classic


	Permanent low interest rate helps you save money when you carry a balance on your card.
	Instant discount and special offers from popular national retailers through the RBC Royal Bank Visa Instant Savings Program
	Guaranteed hotel reservations

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.5%	None	$500	Up to $500	Fair Credit

Citizens Bank of Canada Amnesty International VISA


	Every time you use your Amnesty International VISA card, Citizens Bank of Canada will donate 10ï¿½ to Amnesty International.
	Citizens Bank Amnesty International VISA Convenience Cheques
	$200,000 Travel Accident Insurance
	Purchase Security Coverage

Interest Rate	Annual Fee	Minimum credit limit	Credit Needed
18.5%	None	$500	Fair Credit

Laurentian Bank Black VISA Card


	Worldwide acceptance in more than 150 countries
	Payment protection available (Assur-payment)
	Guaranteed reservation services (Hotels)
	No annual fees and free additional cards

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.5%	None	$500	Up to $500	Fair Credit

Desjardins Elegance GOLD Card VISA


	The BONUSDOLLARS Rewards Program
	Purchase Protection and Extended Warranty
	Free supplementary cards
	ZERO responsibility in case of Internet fraud

Interest Rate	Annual Fee	Minimum credit limit	Credit Needed
19.9%	None	$5,000	Excellent Credit

HSBC Standard MasterCard


	No interest charges - 19 day grace period from statement date on purchases
	No transaction fees on purchases

Interest Rate	Annual Fee	Minimum credit limit	Credit Needed
18.4%	None	$500	Fair Credit

RBC VISA Classic Student


	Permanent low interest rate helps you save money when you carry a balance on your card.
	Instant discount and special offers from popular national retailers through the RBC Royal Bank Visa Instant Savings Program
	Guaranteed hotel reservations
	The RBC Royal Bank Visa Student Classic allows university and college students to build a credit history while enjoying the worldwide acceptance and convenience of a fully featured Royal Bank Visa ca

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.5%	None	$500	Up to $500	No Credit

Citi MasterCard


	Price protection
	Worldwide Access to cash
	No annual fee
	24/7 customer service

Interest Rate	Annual Fee	Minimum credit limit	Balance Transfers	Credit Needed
18.5%	None	$1,000	5.9% (6 month intro. rate) 19.9% thereafter)	Fair Credit

Citi Gold MasterCard


	Purchase assurance and extended warranty
	Emergency assistance service
	Price protection
	224/7 customer service.

Interest Rate	Annual Fee	Minimum credit limit	Balance Transfers	Credit Needed
18.5%	None	$2,500	5.9% (6 month intro. rate) 18.5% thereafter)	Good Credit

Citi Platinum MasterCard


	Up to $500,000 in travel accident and baggage delay insurance
	Save up to $20/day with automatic collision/ loss damage waiver when you rent a car.
	Price protection
	24/7 customer service.

Interest Rate	Annual Fee	Minimum credit limit	Balance Transfers	Credit Needed
17.9%	None	$5,000	5.9% (6 month intro. rate) 17.9% thereafter)	Excellent Credit

Presidentï¿½s Choice Financial MasterCard


	You earn 10 PC points for every dollar of purchase on your Presidentï¿½s Choice Financial MasterCard, so whether youï¿½re paying for a sofa or appliance, a power tool or your gas bill, youï¿½re earning PC points towards exciting rewards
	using your Presidentï¿½s Choice Financial MasterCard to purchase items doubles the manufacturerï¿½s regular warranty up to one additional year
	up to $250,000 in Common Carrier Accidental Death and Dismemberment Insurance
	cut high interest costs - transfer balances and pay less immediately

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.97%	None	$500	Up to $500	Fair Credit

RBC VISA Gold


	Emergency travel assistance 24 hours a day, 7 days a week
	Commission Free Travelers Cheques
	Instant discount and special offers from popular national retailers through the RBC Royal Bank Visa Instant Savings Program
	Auto Rental Collision/Loss Damage Insurance

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.5%	None	$5,000	Up to $1000	Good Credit

National Bank of Canada Sunoco Card


	Statement indicates, in the first section, purchases made at Sunoco retailers in Ontario.
	Benefit from a simple, efficient and practical payment solution.
	Benefit from a reassuring purchase protection program.
	Use it at more than 30 million merchants.

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.9%	None	$500	Up to $500	Fair Credit

National Bank of Canada Gold Edition Card


	Get a minimum credit limit of $2,500.
	Benefit from an extended warranty that doubles the manufacturer's guarantee.
	Benefit from 90-day protection on all your purchases.

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.9%	None	$2,500	Up to $500	Good Credit

RBC VISA Platinum


	Credit limit of up to $50,000
	Guaranteed hotel reservations
	Instant discount and special offers from popular national retailers through the RBC Royal Bank Visa Instant Savings Program.
	Commission Free Travelers Cheques

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.5%	None	$5,000	Up to $1000	Excellent Credit

No-Fee ScotiaGold VISA Card


	Rental Car Collision insurance
	Up to 20% discounted rates at Avis Car Rentals
	Commission-free Travelers Cheques
	Emergency Travel assistance

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.5%	None	$5,000	Yes	Excellent Credit

National Bank of Canada Syncro Card


	Benefit from a progressive and competitive rate comprised of a variable prime rate and a fixed adjustment rate of 4%
	Save on interest fees: you can transfer the balance of other cards with a higher interest rate than this one.
	Use it at more than 30 million merchants.

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
Prime rate + 4 %	None	$500	Up to $500	Fair Credit

The GM Card


	A VISA card with 3% in GM earnings
	Guaranteed hotel reservations
	Budget Rent A Car Preferred Rates
	Up to $150,000 in common carrier travel accident insurance

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.75%	None	$500	Up to $500	Fair Credit

TD Gold Select Visa Card


	Purchase security and extended warranty protection
	Emergency travel assistance services
	Up to $500,000 in Common Carrier Travel Accident Insurance
	No-fee travelers cheques

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.75%	None	$5,000	Up to $5,000	Excellent Credit

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Chargecards.ca does not specifically endorse any Canadian credit card, Canadian bank, Canadian financial company, or Canadian retailer. We are trying to compile an unbiased list of all Canadian credit cards. We hold no legal or financial liability to any individual who uses this information. We have tried our best to provide accurate information but we can not be held accountable for incorrect or out of date information about any particular Canadian credit card. Any financial information or advice given in this website is the opinion of this site and should not be considered professional advice. We accept no liability for any financial loss incurred by the use of this site. For professional advice contact your financial institution or financial advisor. For further unbiased advice about Canadian credit cards consult the Government of Canada website - fcac-acfc.gc.ca