wealthgeist
Find your fit
Canadian credit cards with no annual fee
Keep the fee at zero. Compare where each card earns extra rewards, and check the conditions before choosing.
Find the best fit for my spendingNo signup required · These cards are not ranked for your spending
What to look for
No annual fee does not mean no costs. Interest, foreign transaction charges and other fees can still apply.
How we calculate rewards11 cards with source-current terms. Listed alphabetically; coverage is not the entire market.
CIBCCIBC Costco MastercardMastercardCIBC Costco MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Sources checked Sep 4, 2026
Review rewards, conditions & benefits →CIBCCIBC Costco World MastercardWorld MastercardCIBC Costco World MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Sources checked Sep 4, 2026
Review rewards, conditions & benefits →PC FinancialPC MastercardMastercardPC MastercardPC Optimum rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Sources checked Sep 1, 2026
Review rewards, conditions & benefits →PC FinancialPC World Elite MastercardWorld Elite MastercardPC World Elite MastercardPC Optimum rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Sources checked Sep 1, 2026
Review rewards, conditions & benefits →PC FinancialPC World MastercardWorld MastercardPC World MastercardPC Optimum rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Sources checked Sep 1, 2026
Review rewards, conditions & benefits →Rogers BankRogers Red MastercardMastercardRogers Red MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Sources checked Aug 14, 2026
Review rewards, conditions & benefits →Rogers BankRogers Red World Elite MastercardWorld Elite MastercardRogers Red World Elite MastercardCash back for everyday spending, with extra value for eligible Rogers customers.
- Annual fee
- $0
- FX fee
- 2.5%
Sources checked Aug 14, 2026
Review rewards, conditions & benefits →Rogers BankRogers Red World MastercardWorld MastercardRogers Red World MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Sources checked Sep 1, 2026
Review rewards, conditions & benefits →ScotiabankScotiabank Scene+ Visa CardVisaScotiabank Scene+ Visa CardScene+ rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Sources checked Sep 4, 2026
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