Top $0 Annual Fee Credit Cards
Top $0 Annual Fee Credit Cards
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PROS:
- Cash Back
- $0 annual fee
- Welcome Bonus Offer
- Limited Insurance
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PROS:
- No annual fee
- 12.99% interest rate on purchases and advances
- Purchase protection and extended warranty
- Access to Amex Experiences, including Front Of The Line tickets for events
- Travel accident insurance up to $100,000
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PROS:
- No annual fee
- Competitive cash back rates on everyday spending
- Access to valuable insurance coverage
- No minimum income requirement
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PROS:
- Low Purchase Interest Rate
- Low Balance Transfer Rate
- $0 Annual Fee
- Welcome Bonus Offer
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PROS:
- No annual fee
- High cash back rates on gas and groceries
- Wide range of additional benefits
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PROS:
- No annual fee
- Up to 1.5% cashback on eligible purchases
- Double cashback (up to 3%) at Canadian Tire stores, gas bars, and Mark's
- No limit on cashback earnings, which are automatically applied annually
- Purchase and price protection
Editors' choice
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PROS:
- No annual fee
- 5% cashback at Amazon.ca, Whole Foods, grocery stores, and restaurants for the first 6 months (up to $3,000 in eligible purchases)
- 2.5% cashback for Amazon Prime members on Amazon.ca and foreign currency transactions
- 1.5%-1% cashback for non-Prime members
- Includes purchase assurance and extended warranty
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PROS:
- No annual fee
- Welcome offer: 10,000 Aeroplan points on first purchase (up to $200 value)
- Earn points: 1 point per $1 on gas, groceries, and Air Canada purchases; 1 point per $1.50 on other purchases
- Travel perks: Aeroplan rewards with no airline surcharges, ability to redeem points for flights and hotels
- Insurance: Auto rental collision, purchase security, and extended warranty
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PROS:
- No annual fee
- Earn 1 Air Mile for every $25 spent
- Bonus miles on groceries and gas at partner stores
- Welcome offer: Bonus miles after your first purchase (subject to change)
- Purchase protection and extended warranty
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PROS:
- No annual fee
- High rewards rates
- Extensive insurance and concierge services
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PROS:
- No annual fee
- 3% cashback on groceries
- 1% cashback on recurring bills
- 0.5% cashback on all other purchases
- Welcome offer: Up to 5% cashback for the first three months on select categories
- 19.99% interest rate on purchases, 22.99% for cash advances
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PROS:
- No annual fee
- Flexible travel rewards program
- Strong insurance coverage
Editors' choice
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PROS:
- High Cash Back Ratio
- No annual fee
- Low Balance Transfer Rate
- Low Cash Advance Rate
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PROS:
- Low variable interest rate based on credit rating
- No annual fee
- Additional savings and points with partner merchants
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PROS:
- $0 Annual Fee
- Mobile Device Insurance
- Rewards
- Scene Points
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PROS:
- Cash Back
- $0 annual fee
- Limited insurance on purchases
- Save at Petro-Canada
- Earn points at Rexall
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PROS:
- No annual fee
- Supports Canadian veterans
- Strong rewards program with bonus points and birthday bonus points
- Comprehensive insurance coverage
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PROS:
- $0 annual fee
- Cash Back
- Limited Insurance
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PROS:
- No annual fee
- 1% cashback on all purchases
- 19.8% interest rate on purchases, 21.9% on cash advances
- Purchase assurance and extended warranty
- Additional perks include price protection and auto rental insurance
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PROS:
- No annual fee
- 1 reward mile per $1 spent
- Travel rewards redeemable for flights, hotels, and more
- Travel benefits: Travel accident insurance, auto rental collision coverage, and 24/7 travel assistance
- 19.8% purchase interest rate, 21.9% for cash advances
- No foreign transaction fees listed
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PROS:
- No annual fee
- Simple and straightforward cash back rewards
- Additional cards at no extra cost
- Convenient TD Payment Plans for larger purchases
- Car rental discounts and optional roadside assistance
- Robust security features
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PROS:
- No annual fee.
- Earn 4 TD Rewards Points per $1 on travel booked through Expedia For TD.
- Earn 3 TD Rewards Points per $1 on groceries and restaurants.
- Earn 2 TD Rewards Points per $1 on recurring bill payments.
- Redeem points at Amazon.ca, Expedia, or towards your credit balance.
- Offers mobile device insurance up to $1,000.
- Points never expire as long as the account is active.
- Special offer: Earn 15,152 points after spending $500 in the first 90 days.
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PROS:
- No annual fee
- Low-interest rate options
- Payment flexibility
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PROS:
- No annual fee
- Competitive cashback rates on everyday purchases
- Introductory low-interest rate
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PROS:
- No annual fee
- 10,000 Aeroplan points welcome bonus on your first purchase
- Earn points on gas, groceries, and Air Canada purchases
- Redeem Aeroplan points for flights, hotels, and more
- Includes travel insurance like auto rental collision and purchase protection
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PROS:
- No annual fee
- High rewards rates at Canadian Tire and partner stores
- Financing options with no interest or fees
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PROS:
- No annual fee
- 10,000 Membership Rewards points after spending $1,000 in the first 3 months
- 1 point per $1 spent on everyday purchases
- Additional point on hotel or car rental bookings through Amex Travel
- Points can be redeemed for travel, gift cards, or purchases
Best value
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PROS:
- Up to 5% cashback at partner stores
- No annual fee
- Flexible credit limits up to $10,000
- 19.99%-29.99% APR (depending on creditworthiness and province)
- Cashback rates: 2% on gas and groceries, 0.5% on other purchases
- Optional balance protection
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PROS:
- No annual fee
- Solid insurance coverage
- Fuel savings with Journie Rewards
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PROS:
- No annual fee
- 1 point per $2 spent, redeemable for cashback
- Supports Quebec Breast Cancer Foundation
- Purchase protection and extended warranty
- Interest rates: 20.99% (purchases), 22.49% (cash advances)
- No specific welcome offer
- 2.5% foreign transaction fee
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PROS:
- No annual fee
- Save on fuel
PROS:
- No annual fee
- Generous welcome offer
- Competitive cashback rates on everyday purchases
- Discounts on car rentals
- Convenient contactless payment options
PROS:
- $0 Annual Fee
- Scene Rewards Points
- $0 for additional cards
- Bonus Offer
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PROS:
- No annual fee
- 4% back in Canadian Tire Money at select stores (Canadian Tire, Sport Chek, etc.)
- 5ยข per litre back on fuel at Gas+ locations
- 1.5% back on groceries (excluding Costco and Walmart)
- 0.5% back on all other purchases
- Access to no fee, no interest financing on purchases over $150 at participating retailers