What is the best no annual fee cash back credit cards in Canada?

Based on our value ranking, the Simplii Cash Back Visa from Simplii Financial currently leads this category, with a No fee annual fee and 21.99% purchase APR. Rankings update daily.

How are these cards ranked?

We rank by estimated real value for the category, computed from the welcome offer, earn rates, annual fee, and benefits. Every figure is pulled from the official issuer page, never an affiliate feed.

How current is this information?

Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-06-20. Always confirm details on the issuer's site before applying.

Ranked by value

Best No Annual Fee Cash Back Credit Cards in Canada (June 2026)

Cash back with no annual fee, ranked by effective return. Money back on everyday spending, free to carry. 19 cards, ranked. Every figure cites the official issuer page. Updated 2026-06-20.

0Cards ranked

0%Sourced figures

06-20Last updated

$0Affiliate bias

1Top pick · No Annual Fee Cash Back Credit Cards

Simplii Cash Back Visa

Simplii Financial

Welcome value

No current offer

Annual fee

No fee

Purchase APR

21.99%

No annual fee
Earn 4% on restaurants, bars and coffee shops

See full breakdown

Source: Simplii Financial·verified 2026-06-13

Simplii Financial

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Simplii Cash Back Visa

VISA

The rest of the ranking

18 more cards

Frequently asked

What is the best no annual fee cash back credit cards in Canada?: Based on our value ranking, the Simplii Cash Back Visa from Simplii Financial currently leads this category, with a No fee annual fee and 21.99% purchase APR. Rankings update daily.
How are these cards ranked?: We rank by estimated real value for the category, computed from the welcome offer, earn rates, annual fee, and benefits. Every figure is pulled from the official issuer page, never an affiliate feed.
How current is this information?: Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-06-20. Always confirm details on the issuer's site before applying.

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Ranked by value, never payouts

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Best No Annual Fee Cash Back Credit Cards in Canada (June 2026)

Simplii Cash Back Visa

The rest of the ranking

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Frequently asked

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