Best No Annual Fee Credit Cards in Canada (July 2026)

Welcome More Rewards points 20,000

Get up to 5% cash back in your first 3 months

Get 7,000 Avion points upon approval - that's $50 of value in gift cards

Earn 2,500 bonus Scene+ points

Earn 10,000 Membership Rewards points

2% cash back on purchases in the first three months

Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases

Earn 7,500 bonus Scene+ points (welcome offer includes 2,500 first-spend + 5,000 ongoing)

Earn up to $100 in bonus cash back

Earn 10% cash back for 2 months (Up to $100)

Get $100 with a Money-Back World Mastercard

Welcome Bonus of 30,310 TD Rewards Points plus $100 value in TD Rewards Points for Amazon.ca, no annual fee

Get up to 5,000 bonus Moi points (a value of $40) by January 20, 2027

5% cash back on up to $2,000 in eligible purchases for first 3 months + 0% intro balance transfer rate

Earn up to $100 in Cash Back Dollars

Enjoy 50,000 bonus PC Optimum™ points

Earn 50,000 bonus PC Optimum™ Points

Earn 50,000 bonus PC Optimum™ points

Get 5% back at Amazon.ca, Whole Foods Market, grocery stores and restaurants for the first 6 months

Earn 25,000 BMO Rewards points when you spend $3,000 in the first 110 days

Earn 30,000 Blue Points when you spend $3,000 in the first 110 days

Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months

25,000 bonus points for you

Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants

Get up to 6,000 Adapta points during your first year (up to $50 in value)

Earn up to 12,500 Aventura Points (up to $125 in travel value) for no annual fee

Earn up to 10,000 bonus MBNA Rewards Points ($50 in cash back value)

Earn 5% Cash Back on gas and groceries for the first 6 months

0% promotional annual interest rate for 12 months on balance transfers

Offer available

Earn up to 20% cash back

Welcome bonus of $25 in Reward Dollars