Ranked by value
No Annual Fee Credit Cards in Canada (July 2026)
53 cards in this fee bracket, ranked. Every figure cites the official issuer page. Updated 2026-07-29.
The best no annual fee credit card in Canada right now is the More Rewards RBC Visa Infinite from RBC Royal Bank, leading our ranking of 53 cards with a No fee annual fee and 20.99% purchase APR. We rank by the Canada Cards Score, with every figure sourced from official issuer pages and refreshed 2026-07-29.
More Rewards RBC Visa Infinite
RBC Royal Bank
Welcome value
~$200
Annual fee
No fee
Purchase APR
20.99%
- No annual fee
- Earn 8x on grocery pharmacy partners
More Rewards RBC Visa Infinite
VISAWelcome value, at a glance
Estimated CADMid-market point valuations, used only to compare cards. Not issuer-guaranteed. Confirm offers on the issuer page.
All cards in this bracket
52 more cards- 2
RBC Royal BankStandard
More Rewards RBC Visa
No annual fee rewards
Welcome value
~$200
Welcome More Rewards points 20,000
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.9Cited · verified 2026-06-13View → - 3
RBC ION Visa
Travel points & miles
Welcome value
~$140
Get 7,000 Avion points upon approval - that's $50 of value in gift cards
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.4Cited · verified 2026-06-13View → - 4
BMO
BMO CashBack Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
Get up to 5% cash back in your first 3 months
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.3Cited · verified 2026-06-13View → - 5
Rogers BankWorld Elite Mastercard
Rogers Red World Elite Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.3Cited · verified 2026-06-13View → - 6
CIBCWorld Mastercard
CIBC Costco Mastercard (Costco World Mastercard)
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 21.75%
7.2Cited · verified 2026-06-13View → - 7
Scotiabank
Scotiabank American Express Card
No annual fee rewards
Welcome value
~$25
Earn 2,500 bonus Scene+ points
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.2Cited · verified 2026-06-13View → - 8
American Express
American Express® Green Card
No annual fee rewards
Welcome value
~$200
Earn 10,000 Membership Rewards points
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.0Cited · verified 2026-06-13View → - 9
RBC Cash Back Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
Offer until Sep 9Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.0Cited · verified 2026-06-13View → - 10
Rogers Red Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.0Cited · verified 2026-06-13View → - 11
Rogers Red World Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.0Cited · verified 2026-06-13View → - 12
TD Canada TrustClassic
TD Rewards Visa* Card
No annual fee rewards
Welcome value
~$152
Welcome Bonus of 30,310 TD Rewards Points plus $100 value in TD Rewards Points for Amazon.ca, no annual fee
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.0Cited · verified 2026-06-13View → - 13
moi RBC Visa
No annual fee rewards
Welcome value
~$40
Offer until Jan 20Get up to 5,000 bonus Moi points (a value of $40) by January 20, 2027
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.9Cited · verified 2026-06-13View → - 14
National BankStandard
mycredit Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.9Cited · verified 2026-06-17View → - 15
Neo FinancialWorld
Neo World Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.9Cited · verified 2026-06-13View → - 16
RBC Business Cash Back Mastercard
For business spending
Welcome value
—
No current offer
2% cash back on purchases in the first three months
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.9Cited · verified 2026-06-13View → - 17
Scotiabank Scene+ Visa Card
No annual fee rewards
Welcome value
~$25
Earn 7,500 bonus Scene+ points (welcome offer includes 2,500 first-spend + 5,000 ongoing)
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.9Cited · verified 2026-06-13View → - 18
SimplyCash® Card from American Express
Cash back on everyday spending
Welcome value
—
No current offer
Earn up to $100 in bonus cash back
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.9Cited · verified 2026-06-13View → - 19
TangerineStandard
Tangerine Money-Back Credit Card
Cash back on everyday spending
Welcome value
—
No current offer
Earn 10% cash back for 2 months (Up to $100)
- Annual fee
- No fee
- Purchase APR
- 20.95%
6.9Cited · verified 2026-06-13View → - 20
Tangerine Money-Back World Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
Get $100 with a Money-Back World Mastercard
- Annual fee
- No fee
- Purchase APR
- 20.95%
6.9Cited · verified 2026-06-13View → - 21
TD Business Cash Back Visa Card
For business spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.9Cited · verified 2026-06-13View → - 22
Neo Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.7Cited · verified 2026-06-13View → - 23
PC FinancialWorld Elite
PC World Elite Mastercard
No annual fee rewards
Welcome value
—
No current offer
Enjoy 50,000 bonus PC Optimum™ points
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.7Cited · verified 2026-06-13View → - 24
Scotia Momentum Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.7Cited · verified 2026-06-13View → - 25
Scotia Momentum No-Fee Visa Card
Cash back on everyday spending
Welcome value
—
No current offer
5% cash back on up to $2,000 in eligible purchases for first 3 months + 0% intro balance transfer rate
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.7Cited · verified 2026-06-13View → - 26
TD Business Select Rate Visa Card
For business spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 11.99%
6.7Cited · verified 2026-06-13View → - 27
Allure Mastercard
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.6Cited · verified 2026-06-17View → - 28
American Express EssentialTM Credit Card
Low interest for carrying a balance
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 12.99%
6.6Cited · verified 2026-06-13View → - 29
BrimStandard
Brim Mastercard
No annual fee rewards
Welcome value
—
No current offer
Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants
- Annual fee
- No fee
- Purchase APR
- —
6.6Cited · verified 2026-06-17View → - 30
MBNAStandard
MBNA True Line Mastercard
Low interest for carrying a balance
Welcome value
—
No current offer
0% promotional annual interest rate for 12 months on balance transfers
- Annual fee
- No fee
- Purchase APR
- 12.99%
6.6Cited · verified 2026-06-17View → - 31
PC Mastercard
No annual fee rewards
Welcome value
—
No current offer
Earn 50,000 bonus PC Optimum™ points
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.6Cited · verified 2026-06-13View → - 32
PC World Mastercard
No annual fee rewards
Welcome value
—
No current offer
Earn 50,000 bonus PC Optimum™ Points
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.6Cited · verified 2026-06-13View → - 33
TD Cash Back Visa* Card
Cash back on everyday spending
Welcome value
—
No current offer
Earn up to $100 in Cash Back Dollars
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.6Cited · verified 2026-06-13View → - 34
Canadian TireWorld Elite
Triangle World Elite Mastercard
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.6Cited · verified 2026-06-17View → - 35
Amazon.ca Rewards Mastercard
No annual fee rewards
Welcome value
—
No current offer
Get 5% back at Amazon.ca, Whole Foods Market, grocery stores and restaurants for the first 6 months
- Annual fee
- No fee
- Purchase APR
- 21.74%
6.5Cited · verified 2026-06-17View → - 36
BMO Ascend Business Mastercard
For business spending
Welcome value
25k pts
Earn 25,000 BMO Rewards points when you spend $3,000 in the first 110 days
- Annual fee
- No fee
- Purchase APR
- 18.99%
6.5Cited · verified 2026-06-13View → - 37
BMO eclipse rise Visa
No annual fee rewards
Welcome value
—
No current offer
25,000 bonus points for you
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-13View → - 38
MBNA Rewards Platinum Plus Mastercard
No annual fee rewards
Welcome value
10k pts
Earn up to 10,000 bonus MBNA Rewards Points ($50 in cash back value)
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-17View → - 39
MBNA Smart Cash Platinum Plus Mastercard
No annual fee rewards
Welcome value
—
No current offer
Earn 5% Cash Back on gas and groceries for the first 6 months
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-17View → - 40
RBC RateAdvantage Visa
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.5Cited · verified 2026-06-13View → - 41
RBC Visa Platinum (No Annual Fee)
No annual fee rewards
Welcome value
—
No current offer
Offer available
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.5Cited · verified 2026-06-13View → - 42
Simplii Financial
Simplii Cash Back Visa
No annual fee rewards
Welcome value
—
No current offer
Earn up to 20% cash back
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-13View → - 43
Walmart Rewards (Fairstone)Standard
Walmart Rewards Mastercard
No annual fee rewards
Welcome value
—
No current offer
Welcome bonus of $25 in Reward Dollars
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-17View → - 44
BMO Blue Rewards Business Mastercard
For business spending
Welcome value
30k pts
Earn 30,000 Blue Points when you spend $3,000 in the first 110 days
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.4Cited · verified 2026-06-13View → - 45
BMO CashBack Business Mastercard
For business spending
Welcome value
—
No current offer
Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.4Cited · verified 2026-06-13View → - 46
CIBC Adapta Mastercard
No annual fee rewards
Welcome value
6.0k pts
Get up to 6,000 Adapta points during your first year (up to $50 in value)
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 47
CIBC Aventura Visa Card
No annual fee rewards
Welcome value
13k pts
Earn up to 12,500 Aventura Points (up to $125 in travel value) for no annual fee
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 48
CIBC bizline Visa Card for Business
For business spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 49
CIBC Classic Visa Card
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.4Cited · verified 2026-06-13View → - 50
RBC Visa CreditLine for Small Business
For business spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 51
TD Green Visa* Card
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.4Cited · verified 2026-06-13View → - 52
Triangle Mastercard
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-17View → - 53
Triangle World Mastercard
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-17View →
Frequently asked
- What is the best no annual fee credit card in Canada?
- Based on our value ranking, the More Rewards RBC Visa Infinite from RBC Royal Bank leads this fee bracket with a No fee annual fee and 20.99% purchase APR. Rankings update daily.
- How are these cards ranked?
- We rank by the Canada Cards Score, computed from everyday earn rate, welcome value, annual-fee value, benefits depth, and interest cost. Every figure is pulled from the official issuer page.
- How current is this information?
- Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-07-29. Always confirm details on the issuer's site before applying.
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