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The Best No Fee Credit Cards

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No Fee Credit CardsLast Updated: May 22, 2012 02:30:42

Sponsored
Special Offer! FREE $75 Gas Card + a chance to WIN Free Gas for a Year
$75 Gas Card
MBNA
Cash Back
Cash back
up to
5%
More Details
  • Special Offer: 5% Cash Back on Gas and Groceries for the first 6 months, receive 3% Cash Back afterwards. 1% Cash Back on all other purchases.
  • 1.99% introductory balance transfer rate: reduce your monthly interest payments on your outstanding credit card debt for the first 10 months.
  • Redeem anytime: receive a cheque automatically once your cash back totals at least $50 per month.
Other Benefits
  • Travel accident insurance
  • Purchase protection and extended warranty
     
    Special Offer! FREE $75 Gas Card + a chance to WIN Free Gas for a Year
    $75 Gas Card
    MBNA
    Special Offer
    Bonus 1000 pts
    100 pt
    per $100 spent
    More Details
    • BONUS: Receive 1,000 BONUS MBNA Rewards after your first purchase, and 1,000 BONUS points each year on your account anniversary date.
    • Earn 1 MBNA Reward point for every $1 in net retail purchases.
    • Choose your reward: travel, cash back, charitable donations, merchandise, or gift cards.
    • No annual fee, and around-the-clock fraud protection.
    Other Benefits
    • Travel accident insurance
    • Trip interruption or cancellation insurance
    • Travel medical insurance
    • Rental vehicle insurance
    • Flight delay insurance
    • Baggage insurance
    • Purchase protection and extended warranty
     
    More Details
    • SPECIAL OFFER: 0% interest rate on balance transfers for 10 months.
    • Transfer any balance from another credit card (including another MBNA card) and you will pay 0% interest on that balance for the first 10 months.
    • 0% intro annual interest rate on balance transfers also applies to cheque cash advances for 10 months.
    • Any other new purchases will be charged at the regular interest rate.
    • Tool to reduce credit card debt: with an introductory offer of 0% annual interest on balance transfers, more of your money goes towards paying off the principal instead of just the interest.
    Other Benefits
    • Rental vehicle insurance
    • Baggage insurance
    • Purchase protection and extended warranty
     
    American
    Bonus 150miles
    +
    7
    miles per $100
    More Details
    • Special Offer: receive an introductory interest rate of 2.99% for the first 12 months.
    • AIR MILES on everything you buy: Earn 1 AIR MILE for every $15 spent at AIR MILE sponsored retailers; earn 1 AIR MILE for every $20 in Card purchases everywhere else.
    • BONUS Rewards: receive 150 AIR MILES on your first purchase.
    • Shop at participating AIR MILES Sponsors across Canada with your Card and your AIR MILES Collector Card, and you can earn reward miles from both.
    Other Benefits
    • Travel accident insurance
    • Purchase protection and extended warranty
       
      More Details
      • Saves you money if you carry a monthly balance: low interest rate on purchases and balance transfers to save you money on interest payments.
      • Convenient line of credit: the low interest and balance transfer rate on this card make it a convenient line of credit for you to use.
      • Interest rate and balance transfer rate of 5.99% is applicable to the first three years only.
      • After 3 years your rate will stay low and become a variable rate of Prime +4.99% on purchases and balance transfers.
      • No Annual Fee. Annual interest rate for cash advances is 19.8%
      Other Benefits
      • Travel accident insurance
      • Rental vehicle insurance
      • Baggage insurance
      • Purchase protection and extended warranty
         
        Scotia
        Cash back
        up to
        1%
        More Details
        • Special Offer: introductory 7.99% interest rate on purchases for the first 6 months.
        • Rewards on every purchase: receive cashback paid out annually on every purchase you've made with your card. You'll receive: 1% on all eligible gas, grocery, drug store purchases, and recurring bill payments; and 0.5% on all other eligible purchases.
        Other Benefits
        • Avis Rental Car Discount
         
        More Details
        • LOW INTEREST CREDIT CARD WITH NO ANNUAL FEES
        • Low annual interest rate (AIR) of 9.99% for purchases, balance transfers, access cheques, and deposits.
        • No annual fee.
        • Exclusive platinum benefits and peace of mind.
        • Around the clock fraud protection.
        • Add authorized users at no additional cost.
        Other Benefits
        • Avis Rental Car Discount
        • Travel accident insurance
        • Trip interruption or cancellation insurance
        • Travel medical insurance
        • Rental vehicle insurance
        • Flight delay insurance
        • Baggage insurance
        • Purchase protection and extended warranty
           
          Capital
          Bonus 5000miles
          +
          50
          miles per $100
          More Details
          • The low interest rate you need with rewards you want
          • Earn 1 reward mile for every $2 – on everything you buy
          • BONUS Rewards: 5,000 bonus reward miles on your first purchase
          • Guaranteed rate of 9.9% fixed on purchases and balance transfers
          Other Benefits
          • Travel accident insurance
          • Rental vehicle insurance
          • Baggage insurance
          • Purchase protection and extended warranty
             
            Canadian
            Cash back
            up to
            3%
            More Details
            • No annual fee.
            • Earn up to 1.5% cash back on all purchases.
            • Earn 3% cash back at Canadian Tire stores, Marks Work Wearhouse, and Canadian Tire gas bars.
            Other Benefits
             
            TD
            Bonus pts
            200 pt
            per $100 spent
            More Details
            • No annual fee.
            • Earn 2 TD Drivers Rewards Points for every $1 spent on gas purchases up to $700/month. Earn 1 Point for every $1 over $700/month.
            • Earn 1.25 TD Drviers Rewards Points for every $1 spent on auto parts at participating merchants.
            • Earn 1 TD Drivers Rewards Point for every $1 spent on other purchases
            • Points can be put towards the purchase or lease of a vehicle or auto parts.
            • Get Budget Rent A Car preferred rates
            • No-fee balance transfers.
            Other Benefits
            • Travel accident insurance
             
            MBNA
            Bonus 2000 pts
            200 pt
            per $100 spent
            More Details
            • Rewards on every purchase: 1 Sony Point for every $1 spent, and double the points on purchases from SoneyStyle.ca or the Sony Store.
            • BONUS Rewards: receive 2,000 Bonus Sony points after your first purchase.
            Other Benefits
            • Purchase protection and extended warranty
             
            More Details
            • No annual fee.
            • Earn cash back - $1 for every $200 spent.
            • 1.5% cash back at Shell locations in Canada.
            • 25% off rentals worldwide at National Car Rental and Alamo Rent A Car.
            Other Benefits
            • Purchase protection and extended warranty
             
            BMO
            Cash back
            up to
            1.5%
            More Details
            • Earn 0.5% cash back on every purchase.
            • No annual fee.
            • Earn 1.5% cash back at Shell, National Car Rental, and Alamo Rent A Car.
            • Up to 25% off rentals worldwide at National Car Rental and Alamo Rent A Car.
            • Reduce interest rate from 19.5% to 12.9% for $50/year.
            Other Benefits
            • Purchase protection and extended warranty
             
            Canadian
            Bonus pts
            1 pt
            per $100 spent
            More Details
            • No annual fee.
            • Earn Canadian Tire 'Money' Rewards with every purchase.
            • Exclusive deals at Marks Work Wearhouse and Canadian Tire gas bars.
            • Spending may qualify you for Options Elite program.
            • Redeem 'Money' Rewards at Canadian Tire Stores.
            Other Benefits
             
            More Details
            • No annual fee.
            • When combined with a Fuel Savings Reward Card, you can save 7 cents/litre on 200 litres of fuel.
            • 5000 PETRO-POINTS bonus when you spend over $1000/month
            • Earn 10 points per $1 on regular purchases.
            • Earn 15 points per $1 at grocery stores & pharmacies.
            • Earn 50% more points at Petro-Canada.
            Other Benefits
            • Purchase protection and extended warranty
             
            Walmart
            Bonus 15 pts
            1 pt
            per $100 spent
            More Details
            • Earn 1% of your purchases in Walmart Rewards.
            • Earn 1.25% of your Walmart purchases in Walmart Rewards.
            • Get $15 in bonus Walmart Rewards after your first two qualifying purchases.
            • Get a $10 Walmart Reward bonus for choosing a paperless account.
            Other Benefits
             
            More Details
            • No annual fee.
            • Earn tiered Cash Back on all purchases as follows:
            • Annual purchases <$1500: 0.25% rebate
            • Annual purchases $1500-3000: 0.50% rebate
            • Annual purchases >$3000: 1.00% rebate
            • Up to 20% discount at participating AVIS locations.
            Other Benefits
            • Purchase protection and extended warranty
            • Travel accident insurance
               
              More Details
              • Student Rewards Credit Card: perfect for building your credit while getting Moneyback Rewards with no annual fee.
              • Rewards on every purchase: receive money back paid out annually on every purchase you've made with your card. You'll receive: 0.25% on the first $500, 0.50% on the next $500, and 1% on purchases above $1,000.
              Other Benefits
              • Avis Rental Car Discount
               
              More Details
              • No annual fee.
              • Earn 0.5% cash back on the first $3000 of annual purchases.
              • Earn 1.0% cash back on annual purchases over $3000.
              • Get Budget Rent A Car preferred rates
              • No-fee balance transfers.
              Other Benefits
               
              Capital
              Cash back
              up to
              1%
              More Details
              • The Purchase Rate, and the Balance Transfer Rate for this card is Prime +16.8% which is currently 19.8%(Variable)
              • Earn cash rewards and pay no annual fee!
              • Special offer: Earn 25% extra cash back on your total cash rewards every year
              • BONUS offer: $50 bonus cash reward on your first purchase
              • 1% cash rewards on all net purchases
              • Enjoy the flexibility: No limit to the amount of cash you can earn, you can redeem as often as you like (no min or max amount required)
              • Earn more: Add an authorized user for $0, and earn even more cash
              Other Benefits
              • Travel accident insurance
              • Purchase protection and extended warranty
                 
                President's
                Bonus 5000 pts
                1000 pt
                per $100 spent
                More Details
                • Use your President's Choice Financial MasterCard for your everyday shopping and you'll earn PC points toward free groceries and more*. The more you use your card, the more PC points you'll earn!
                • Earn 10 PC points for every $1 spent, everywhere you shop
                • Save money with no annual fee
                • New cardholders enjoy a low balance transfer rate of 0.97% for 6 months
                Other Benefits
                • Purchase protection and extended warranty
                 
                More Details
                • BONUS: Receive 1,000 BONUS MBNA Rewards after your first purchase, and 1,000 BONUS points each year on your account anniversary date.
                • Earn 1 MBNA Reward point for every $1 in net retail purchases.
                • Choose your reward: travel, cash back, charitable donations, merchandise, or gift cards.
                • A Student Credit Card with no annual fee, and around-the-clock fraud protection.
                Other Benefits
                • Travel accident insurance
                • Trip interruption or cancellation insurance
                • Travel medical insurance
                • Rental vehicle insurance
                • Flight delay insurance
                • Baggage insurance
                • Purchase protection and extended warranty
                 
                Capital
                Bonus 2500miles
                +
                100
                miles per $100
                More Details
                • Rewards on every purchase: 1 Delta Mile for every $1 spent on Delta purchases, 1 Delta Mile for every $2 spent on all other purchases.
                • BONUS Rewards: 2,500 introductory reward miles on your first purchase.
                Other Benefits
                • Travel accident insurance
                • Rental vehicle insurance
                • Baggage insurance
                • Purchase protection and extended warranty
                   
                  Capital
                  Bonus 10000miles
                  +
                  100
                  miles per $100
                  More Details
                  • The Purchase Rate, and the Balance Transfer Rate for this card is Prime +16.8% which is currently 19.8%(Variable
                  • Earn reward miles – with no annual fee!
                  • No Annual Fee
                  • Earn 1 reward mile for every $1 spent – on all purchases
                  • 10,000 bonus reward miles with your first purchase
                  • 25% extra anniversary bonus reward miles every year
                  • Redeem for travel, cash, merchandise or gift cards
                  Other Benefits
                  • Travel accident insurance
                  • Rental vehicle insurance
                  • Baggage insurance
                  • Purchase protection and extended warranty
                     
                    Capital
                    Cash back
                    up to
                    1%
                    More Details
                    • The Purchase Rate, and the Balance Transfer Rate for this card is Prime +16.8% which is currently 19.8%(Variable)
                    • Earn 50% extra cash rewards every year and pay no annual fee!
                    • 1 % cash rewards on all purchases
                    • No annual fee
                    • $100 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 World MasterCard benefits including Purchase Assurance and Extended Warranty
                    Other Benefits
                    • Trip interruption or cancellation insurance
                    • Travel medical insurance
                    • Rental vehicle insurance
                    • Flight delay insurance
                    • Baggage insurance
                    • Purchase protection and extended warranty
                       
                      BMO
                      Travel Rewards
                      up to
                      8
                      miles per $100
                      More Details
                      • Earn 1 AIR MILES reward mile for every $20 spent.
                      • No annual fee.
                      • 1.5x reward miles at Shell, National Car Rental, and Alamo Rent A Car.
                      • Reduce interest rate from 19.5% to 12.9% for $50/year.
                      Other Benefits
                      • Purchase protection and extended warranty
                       
                      BMO
                      Travel Rewards
                      up to
                      5
                      miles per $100
                      More Details
                      • Earn AIR MILES on every purchase: 1 reward mile for every $20 spent.
                      • No annual fee.
                      • Reduce interest rate from 19.5% to 12.9% for $35/year.
                      • Can be used in conjunction with your AIR MILES Collector Card to double up on reward miles.
                      Other Benefits
                      • Purchase protection and extended warranty
                       
                      MBNA
                      Bonus 20000 pts
                      150 pt
                      per $100 spent
                      More Details
                      • Rewards on every purchase: 1.5 Best Western Rewards points for every $1 spent.
                      • BONUS Rewards: receive 20,000 bonus Best Western Rewards points after your first purchase. Receive 50 bonus points for every cash advance over $50. Note: One night's accommodation starts at approx 8,000 points.
                      • Free Upgrade: receive a one tier elite status upgrade within the Best Western Rewards program when you spend $6,000 on your card within one year.
                      Other Benefits
                      • Purchase protection and extended warranty
                       
                      More Details
                      • Quebec Residents Only: exclusively available to CAA Quebec members.
                      • Rewards on every purchase: 0.5% in CAA-Quebec Dollars on all purchases with no annual fee.
                        Other Benefits
                        • Purchase protection and extended warranty
                         
                        More Details
                        • Special Offer: 1.99% introductory interest rate on cash advances and balance transfers for the first six months.
                        • No annual fee and a low interest rate to save you money
                        • Simplify your monthly payments and save even more by transferring balances from higher rate cards
                        Other Benefits
                        • Avis Rental Car Discount
                         
                        More Details
                        • No annual fee.
                        • Reduce interest rate from 17.5% to 12.9% for $25/year.
                        • Extended Warranty & Purchase Protection.
                        Other Benefits
                        • Purchase protection and extended warranty
                         
                        More Details
                        • 17.5% interest rate with no annual fee
                        • Extended Warranty and Purchase Protection protects your purchases
                        • Zero liability protects you from unauthorized use
                        • Get cash advances at nearly 1 million ABM’s worldwide
                        Other Benefits
                         
                        More Details
                        • Essential Travel Benefits: including Rental Car Collision Insurance, up to 20% discount rates at Avis Car Rental, emergency travel assistance, and commission-free Travellers Cheques - with no annual fee.
                        Other Benefits
                        • Avis Rental Car Discount
                         
                        More Details
                        Student Visa card with insurance benefits and no annual fee.
                        Other Benefits
                         
                        More Details
                        • No annual fee.
                        • Up to 20% off at participating AVIS locations.
                        • Extended purchasing power.
                        Other Benefits
                        • Purchase protection and extended warranty
                        • Rental vehicle insurance
                        • Travel accident insurance
                         
                        More Details
                        • No annual fee
                        • Premium insurance coverages.
                        • Hotel reservations guaranteed.
                        Other Benefits
                        • Travel accident insurance
                        • Rental vehicle insurance
                        • Purchase protection and extended warranty
                         
                        More Details
                        • No annual fee.
                        • Purchase Security and Extended Warrany Protection.
                        • Get Avis & Budget Rent A Car preferred rates
                        • No-fee balance transfers.
                        Other Benefits
                        • Purchase protection and extended warranty
                        • Rental vehicle insurance
                        • Travel accident insurance
                         
                        More Details
                        • Whether you want shopping convenience or instant access to money when it's needed most, your TD Green Visa Card can give you outstanding Visa benefits and services.
                        • No annual fee.
                        Other Benefits
                        • Travel accident insurance
                        • Purchase protection and extended warranty
                           
                          More Details
                          • No annual fee.
                          • Save 10 cents/litre on gas for your first 30 as a cardholder.
                          • Higher tiers of purchases each month mean more gas savings per litre.
                          • Purchases at Canadian Tire & Marks Work Wearhouse count for double the rewards.
                          Other Benefits
                           
                          Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

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