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 rewards71 cards with source-current terms. Listed alphabetically; coverage is not the entire market.
MBNAAmazon.ca Rewards MastercardMastercardAmazon.ca Rewards MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →American ExpressAmerican Express Green CardAmexAmerican Express Green CardMembership Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →ATB FinancialATB Gold Cash Rewards MastercardMastercardATB Gold Cash Rewards MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →BMOBMO Blue Rewards MastercardMastercardBMO Blue Rewards MastercardBlue Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →BMOBMO eclipse rise Visa CardVisaBMO eclipse rise Visa CardBMO Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →DesjardinsBonus VisaVisaBonus VisaCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →Capital OneCapital One Aspire Cash Platinum MastercardMastercardCapital One Aspire Cash Platinum MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Capital OneCapital One Aspire Travel Platinum MastercardMastercardCapital One Aspire Travel Platinum MastercardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Capital OneCapital One Guaranteed MastercardMastercardCapital One Guaranteed MastercardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Capital OneCapital One Guaranteed Secured MastercardMastercardCapital One Guaranteed Secured MastercardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Capital OneCapital One Smart Rewards MastercardMastercardCapital One Smart Rewards MastercardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →DesjardinsCash Back MastercardMastercardCash Back MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →DesjardinsCash Back VisaVisaCash Back VisaCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →CIBCCIBC Aeroplan VisaVisaCIBC Aeroplan VisaAeroplan rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →CIBCCIBC Aeroplan Visa Card for StudentsVisaCIBC Aeroplan Visa Card for StudentsAeroplan rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →CIBCCIBC Aventura VisaVisaCIBC Aventura VisaAventura rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 4, 2026
Review rewards, conditions & benefits →CIBCCIBC Aventura Visa Card for StudentsVisaCIBC Aventura Visa Card for StudentsAventura rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →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%
Card details reviewed 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%
Card details reviewed Sep 4, 2026
Review rewards, conditions & benefits →CIBCCIBC Dividend VisaVisaCIBC Dividend VisaCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 4, 2026
Review rewards, conditions & benefits →CIBCCIBC Dividend Visa Card for StudentsVisaCIBC Dividend Visa Card for StudentsCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Coast CapitalCoast Capital Cash Back MastercardMastercardCoast Capital Cash Back MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →EQ BankEQ Bank CardMastercardEQ Bank CardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →DesjardinsFlexi VisaVisaFlexi VisaNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →Home TrustHome Trust Preferred VisaVisaHome Trust Preferred VisaCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 0%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →Home TrustHome Trust Secured VisaVisaHome Trust Secured VisaNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Home TrustHome Trust Secured Visa - no annual fee optionVisaHome Trust Secured Visa - no annual fee optionNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →Neo FinancialJA Money card—powered by NeoMastercardJA Money card—powered by NeoCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Laurentian Bank of CanadaLaurentian Bank Reward Me Visa CardVisaLaurentian Bank Reward Me Visa CardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Laurentian Bank of CanadaLaurentian Bank Visa Reward MeVisaLaurentian Bank Visa Reward MeLaurentian Bank Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 19, 2026
Review rewards, conditions & benefits →Manulife BankManulifeMONEY Visa Platinum CardVisaManulifeMONEY Visa Platinum CardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →MBNAMBNA Rewards Platinum Plus MastercardMastercardMBNA Rewards Platinum Plus MastercardMBNA Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →MBNAMBNA Smart Cash Platinum Plus MastercardMastercardMBNA Smart Cash Platinum Plus MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →MBNAMBNA True Line MastercardMastercardMBNA True Line MastercardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →National BankMC1 MastercardMastercardMC1 MastercardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →RBCmoi RBC Visa Credit CardVisamoi RBC Visa Credit CardMoi Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →RBCMore Rewards RBC VisaVisaMore Rewards RBC VisaMore Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →National Bankmycredit MastercardMastercardmycredit MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →Neo FinancialNeo MastercardMastercardNeo MastercardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Neo FinancialNeo Money CardMastercardNeo Money CardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Neo FinancialNeo World Mastercard - EverywhereMastercardNeo World Mastercard - EverywhereCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Neo FinancialNeo World Mastercard - Gas & GroceryMastercardNeo World Mastercard - Gas & GroceryCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Neo FinancialNeo World Mastercard - Shop & DineMastercardNeo World Mastercard - Shop & DineCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 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%
Card details reviewed 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%
Card details reviewed 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%
Card details reviewed Sep 1, 2026
Review rewards, conditions & benefits →RBCRBC Cash Back MastercardMastercardRBC Cash Back MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →RBCRBC ION VisaVisaRBC ION VisaAvion Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →RBCRBC RateAdvantage Visa CardVisaRBC RateAdvantage Visa CardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →RBCRBC Visa Platinum CardVisaRBC Visa Platinum CardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 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%
Card details reviewed Sep 23, 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%
Card details reviewed Sep 23, 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%
Card details reviewed Sep 1, 2026
Review rewards, conditions & benefits →ScotiabankScotia Momentum MastercardMastercardScotia Momentum MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 4, 2026
Review rewards, conditions & benefits →ScotiabankScotia Momentum No-Fee VisaVisaScotia Momentum No-Fee VisaCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 4, 2026
Review rewards, conditions & benefits →ScotiabankScotiabank American Express CardAmexScotiabank American Express CardScene+ rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 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%
Card details reviewed Sep 4, 2026
Review rewards, conditions & benefits →Tims FinancialSecured Tims MastercardMastercardSecured Tims MastercardTims Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Simplii FinancialSimplii Cash Back VisaVisaSimplii Cash Back VisaCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →American ExpressSimplyCash Card from American ExpressAmexSimplyCash Card from American ExpressCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 10, 2026
Review rewards, conditions & benefits →TangerineTangerine Money-Back Credit CardMastercardTangerine Money-Back Credit CardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 2, 2026
Review rewards, conditions & benefits →TangerineTangerine Money-Back World MastercardWorld MastercardTangerine Money-Back World MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 2, 2026
Review rewards, conditions & benefits →TDTD Cash Back VisaVisaTD Cash Back VisaCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 9, 2026
Review rewards, conditions & benefits →TDTD Rewards VisaVisaTD Rewards VisaTD Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Tims FinancialTims MastercardMastercardTims MastercardTims Rewards rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Canadian Tire BankTriangle MastercardMastercardTriangle MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Canadian Tire BankTriangle World Elite MastercardWorld Elite MastercardTriangle World Elite MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Walmart RewardsWalmart Rewards MastercardMastercardWalmart Rewards MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →Walmart RewardsWalmart Rewards World MastercardWorld MastercardWalmart Rewards World MastercardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →WealthsimpleWealthsimple Prepaid CardMastercardWealthsimple Prepaid CardCash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- FX fee
- 2.5%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →WiseWise Visa CardVisaWise Visa CardNo points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $0
- FX fee
- 0%
Card details reviewed Sep 23, 2026
Review rewards, conditions & benefits →