No Annual Fee Cards

Here`s the good news: most credit cards do not charge annual fees. But don`t let that be the deciding factor when choosing the right credit card for your needs.

The most important factors are the interest rate charged and the premiums offered. The information provided below will help you make the right decision.

BMO AIR MILES MasterCard®*
	1 AIR MILES reward mile for every $20 in card purchases 1.5x reward miles at Shell locations in Canada 1.5x reward miles at National Car Rental & Alamo Rent A Car locations worldwide Up to 25% rental discount at National Car Rental & Alamo Rent A Car locations worldwide

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% Or 12.9% for additional $45/year	None	$500	Up to $1000	Good Credit

BMO CashBack MasterCard®*
	0.5% CashBack on every card purchase 1.5% CashBack at Shell locations in Canada 1.5% CashBack at National Car Rental & Alamo Rent A Car loctions worldwide Up to 25% rental discount at National Car Rental & Alamo Rent A Car locations worldwide

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% Or 12.9% for additional $45/year	None	$500	Up to $1000	Good Credit

BMO Preferred Rate MasterCard
	Extended Warranty and Purchase Protection protects your purchases Zero dollar liability protects you from unauthorized use Get cash advances at over 1 million ATM’s worldwide

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
17.5% Or 11.9% for additional $20/year	None	$500	Up to $1000	Fair Credit

BMO SPC AIR MILES MasterCard®*
	NO ANNUAL FEE 1 AIR MILES®† reward mile for every $20 in card purchases - redeem reward miles to movie tickets, travel and great gadgets! FREE protection from both theft and fraudulent use of your card Student discounts of 10% to 15% at hundreds of your favourite stores

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% Or 12.9% for additional $45/year	None	$500	Up to $1000	Good Credit

CIBC Classic Visa Card
	Receive $100,000 Common Carrier Accident Insurance Receive Purchase Security and Extended Protection Insurance Utilize CIBC CreditSmart® to help you manage, track and organize your credit card activity - protect yourself from fraud

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advance/Balance Transfer	No Annual Fee	500	Credit Limit	Good Credit

CIBC Dividend Card®
	Earn up to 1% cash back on net card purchases made with the card Receive Purchase Security and Extended Protection Insurance Utilize CIBC CreditSmart® to help you manage, track and organize your credit card activity - plus help protect yourself from fraud

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances/Balance Transfer	No Annual Fee	1000	Credit Limit	Good Credit

CIBC Platinum Visa Card
	Receive a high credit limit depending on your credit history at no annual fee Receive auto rental and Common Carrier insurance Receive auto rental and Common Carrier insurance

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances/Balance Transfer	No Annual Fee	1000	Credit Limit	Good Credit

Desjardins Amnesty International Classic VISA Card

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.4%	None	$500	Yes	Fair Credit

Desjardins RONA VISA Card
	The card offers a vast array of advantages such as payment flexibility at competitive interest rates Competitive annual interest rate Possibility of paying your account at RONA and Réno-Dépôt stores, throughout the Desjardins network, by authorized payment, mail or Internet

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.4% OR 11.8% for $30/year	None	$500	Up to $2,500	Fair Credit

Featured Credit Card - Aspire Cash™ Platinum MasterCard®
	Earn cash rewards and pay no annual fee! 1% cash rewards on all net purchases 20% extra cash rewards every year $50 bonus cash reward on your first purchase No limit to the amount of cash you can earn Add an authorized user for $0, and earn even more cash Valuable Platinum benefits including Purchase Assurance and Extended Warranty

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
Purchase Prime +16.8%Balance Transfer Prime +16.8% Cash Advance Prime +16.8%	$0	$0	Yes	Good to Excellent Credit

Featured Credit Card - Aspire™ Travel Platinum MasterCard®
	Earn reward miles – with no annual fee! No Annual Fee Earn 1 reward mile for every $1 spent – on all purchases 5,000 bonus reward miles with your first purchase 1,000 anniversary bonus reward miles every year Redeem for travel, cash, merchandise or gift cards

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
Purchase Prime +16.8% Balance Transfer Prime +16.8% Cash Advance Prime +16.8%	$0	$0	Yes	Good to Excellent Credit

Featured Credit Card - Fusion™ Platinum MasterCard®
	The low interest rate you need with rewards you want 5,000 bonus reward miles on your first purchase. Earn 1 reward mile for every $2 – on everything you buy. Guaranteed rate of 9.9% fixed on purchases and balance transfers

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
Purchase 9.9% Balance Transfer 9.9% Cash Advance 19.8%	$0	$0	Yes	Excellent Credit

Featured Credit Card - Guaranteed MasterCard® for Newcomers
	Guaranteed Approval Establish a credit history in Canada Annual fee for the first year only Security funds not required, unless we contact you

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.8%	$59 first year, $0 after	$0	Yes	Needs to Establish Credit

Featured Credit Card - SmartLine™ Platinum MasterCard®
	No Annual Fee, Annual interest rate for cash advances is 19.8% Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time) After 3 years your rate will stay low and become a variable rate of Prime +4.99% on purchases and balance transfers Save money when you transfer high-interest debt with our no-fee balance transfer service

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
5.99% on Purchases/Balance Transfers19.8% on Cash Advances	None	$0	Yes	Good Credit

Laurentian Bank Black VISA Card
	Worldwide acceptance in more than 150 countries Assur-Payment offers payment protection for products purchased with the card Guaranteed hotel reservations, regardless when you check in No annual fees and free additional cards

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	None	$500	Up to $500	Fair Credit

MBNA Gold MasterCard
	Credit limit increase decision in 1 hour or less 24 hour customer service Around the clock fraud protection International acceptance at millions of locations

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
9.99% on Purchases 9.99% on Cash Advances/Balance Transfers	None	$2,500	Yes	Fair Credit

National Bank of Canada MC1 MasterCard
	Quickly access funds from more than 30 Million merchants worldwide Benefit from a simple, efficient and practical payment solution Designed for young adults, it lets you build a credit history that will help realize your dreams and engineer your future

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% on Purchases 19.5% on Cash Advances/Balance Transfers	None	$500	Up to $500	Fair Credit

National Bank of Canada Ultramar MasterCard
	Get up to 2.5% back a year on your purchases at Ultramar, based on the total amount of monthly purchases at Ultramar You also get up to 1.25% back on the value of your purchases at retailers anywhhere other than Ultramar or HomEnergy Everytime you pay your HomEnergy heating oil bill with your Ultramar MasterCard, automatically enjoy a rebate of 2.5% Use it at more than 24 million merchants

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.9% on Purchases 19.99% on Cash Advances/Balance Transfers	None	$500	Yes	Fair Credit

No-Fee ScotiaGold VISA Card
	Exceptional travel discounts Purchase Security Enjoy the benefits of Gold Hbc Rewards membership - redeem rewards with 20% fewer points Rental Car Collision Insurance Optional VISA Balance Protection in event of loss of income 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
19.5% on Purchases 21.5% on Cash Advances/Balance Transfers	None	$5,000	Yes	Excellent Credit

President`s Choice Financial MasterCard
	You earn 10 PC points for every dollar of purchase on your President's Choice Financial MasterCard, so whether you're paying for a sofa or appliance, a power tool or your gas bill, you're earning PC points towards exciting rewards Using your President's Choice Financial MasterCard to purchase items doubles the manufacturer's 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 Esso Classic VISA Card
	Tracks your Esso purchases separately on your monthly statement 2 or more Esso Extra points for every eligible $1 spent at participating Esso Stations 1 Esso Extra point for every $1 spent everywhere VISA is accepted Receive 4,500 bonus Esso Extra points with first purchase

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	None	$500	Yes	Fair Credit

RBC Platinum VISA Card
	Credit limit of up to $50,000 Guaranteed hotel reservations Emergency travel assistance 24 hours a day, 7 days a week Commission Free Travelers Cheques

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances and Balance Transfers	None ($0 on additional cards)	$1,000	Yes	Excellent Credit

RBC Rewards VISA Gold
	Emergency travel assistance 24 hours a day, 7 days a week Commission Free Travelers Cheques Earn additional RBC Rewards points with the Rewards Network Restaurant Program Earn 1 RBC Rewards point for every two dollars spent with the card

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	None	$1,000	Up to $1000	Good Credit

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

RBC VISA Classic Student
	Permanent low interest rate helps you save money when you carry a balance on your card Helps university and college students build a credit history Guaranteed hotel reservations Cash access up to $500 daily no matter where you are in the world

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances and Balance Transfers	None	$500	Up to $500	No Credit

ScotiaLine VISA Account
	Secured rates as low as Scotiabank`s prime rate Earn 15 Hbc Rewards points for every dollar charged to the card Purchase Security and Extended Warranty Protection* on most purchases made with the ScotiaLine VISA card or cheques Up to 21 day interest-free grace period on new card purchases Competitive unsecured interest rates

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
Secured Rates: Scotiabank Prime + 1% / Unsecured Rates: Scotiabank Prime + 4.99%	None	$20,000	Yes	Excellent 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 Credit Protection Insurance can help cover your balance when you can`t

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances	None	$5000	Up to $500	Excellent Credit

TD Green Visa Card
	Purchase Security and Extended Warranty Protection Budget Ren-A-Car preferred rates Up to $200,000 in Common Carrier Travel Accident Insurance Up to 3 free supplementary cards

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5$% on Cash Advances	None	$500	Up to $500	Fair Credit

TD Venture Line of Credit Visa Card
	No business plan to review or interview before approval Credit Limits as high as $50,000 Only pay when you use your credit Applications are approved on your personal creditworthiness Every branch banking and cheque cashing privileges

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
TD Prime + 2%-15% (determined by TD)	None	$2000	Credit limit	Good Credit

The GM Card
	Receive 3% of your purchases in GM earnings to be used towards a new GM vehicle Up to $150,000 in common carrier travel accident insurance Get up to $3,500 towards a new GM car Offers up to 3 free Authorized User Cards To become an HSBC Advance customer, you must maintain a combined balance of $25,000 or more in your deposits and/or investments with HSBC in Canada

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances	None	$500	Up to $500	Fair Credit