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No Annual Fee Credit Cards
  • Without yearly membership fees and monthly maintenance fees.
  • Many of these cards not only have rewards but also come with a variety of perks and benefits.
  • Compare offers from our partners on no annual fee credit cards to find the one for you.
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Blue Cash Everyday® Card from American Express
Earn a $200 statement credit. Terms Apply.
Apply Now
on American Express secure site
Bonus Spending Rewards Annual Fee
Earn a $200 statement credit. Terms Apply. 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms Apply No Annual Fee
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. 
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 
  • 2% Cash Back at U.S. gas stations.  
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. 
  • No annual fee. 
  • Terms Apply.    
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From Our Partner: American Express Rates & Fees
Citi Custom Cash℠ Card
Earn $200 in Cash Back After Qualifying Purchase
Apply Now
on Citi secure site
Bonus Spending Rewards Annual Fee
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. $0
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
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From Our Partner: Citi
Chase Freedom Flex℠
$200 Bonus + Up to 5% Cash Back
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
$200 Bonus 5% cash back offer $0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
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From Our Partner: Chase
My GM Rewards Card™
Get 15,000 bonus points after you spend $1,000 in your first three months.*
Apply Now
on Marcus by Goldman Sachs Bank secure site
Bonus Spending Rewards Annual Fee
Get 15,000 bonus points after you spend $1,000 in your first three months.* Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.* No Annual Fee*
  • NEW! The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
  • Get 15,000 bonus points after you spend $1,000 in your first three months.*
  • Earn unlimited 7x total points with GM.*
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 16.49% to 26.49%.*
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
  • Redeem towards a new GM vehicle purchase or lease with no limit. Choose from Chevrolet, Buick, GMC or Cadillac.
  • See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score. 
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Select ‘Apply Now’ to learn more about the product features, terms, conditions and Program Rules. Subject to credit approval. 
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From Our Partner: Marcus by Goldman Sachs Bank
Walmart Rewards™ Mastercard®
Up to $25 welcome bonus Walmart Reward Dollars
Apply Now
on Walmart Canada Credit Cards secure site
Bonus Spending Rewards Annual Fee
Up to $25 welcome bonus Walmart Reward Dollars Earn up to 1.25% unlimited Walmart Reward Dollars™ every time you use your card to make a purchase $0
  • Start earning Big rewards today!
  • Easy to apply, Easy to earn
  • Up to $25 welcome bonus Walmart Reward Dollars
  • No limit on how much you could earn
  • In store, online, gas stations - earn rewards pretty much everywhere you shop and with no annual fees
  • Use your rewards as cash on anything Walmart sells
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From Our Partner: Walmart Canada Credit Cards
Walmart Rewards™ World Mastercard®
Up to $25 welcome bonus Walmart Reward Dollars
Apply Now
on Walmart Canada Credit Cards secure site
Bonus Spending Rewards Annual Fee
Up to $25 welcome bonus Walmart Reward Dollars Earn up to 3% unlimited Walmart Reward Dollars™ every time you use your card to make a purchase $0
  • Start earning Big rewards today!
  • Easy to apply, Easy to earn
  • Up to $25 welcome bonus Walmart Reward Dollars
  • No limit on how much you could earn
  • In store, online, gas stations - earn rewards pretty much everywhere you shop and with no annual fees
  • Use your rewards as cash on anything Walmart sells
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From Our Partner: Walmart Canada Credit Cards
Ink Business Cash® Credit Card
Earn $750 bonus cash back
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Earn $750 bonus cash back Earn 5% cash back in select business categories $0
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
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From Our Partner: Chase
Delta SkyMiles® Blue American Express Card
Earn 10,000 bonus miles. Terms Apply.
Apply Now
on American Express secure site
Bonus Spending Rewards Annual Fee
Earn 10,000 bonus miles Earn 2x Miles with restaurant and Delta purchases. Terms Apply $0
  • Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. 
  • No Annual Fee. 
  • Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
  • Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases. 
  • Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com. 
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets. 
  • No Foreign Transaction Fees. 
  • Terms Apply. 
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From Our Partner: American Express Rates & Fees
Marriott Bonvoy Bold® Credit Card
Earn 60,000 Bonus Points
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Earn 60,000 Bonus Points Up to 14X total points per $1 spent at hotels participating in Marriott Bonvoy®. $0
  • For a Limited Time Only! Earn 60,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
  • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
  • Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
  • 1X point for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
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From Our Partner: Chase
Chase Freedom Unlimited®
Up to $300 cash back
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Up to $300 cash back 1.5% - 5% cash back $0
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
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From Our Partner: Chase
Hilton Honors American Express Card
Earn 100,000 Bonus Points. Terms Apply.
Apply Now
on American Express secure site
Bonus Spending Rewards Annual Fee
Earn 100,000 Bonus Points Up to 7 Points/$1. Terms Apply $0
  • Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. 
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio. 
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. 
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. 
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad. 
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year. 
  • No Annual Fee. 
  • Terms Apply.
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From Our Partner: American Express Rates & Fees
Ink Business Unlimited® Credit Card
Earn $750 bonus cash back
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Earn $750 bonus cash back Earn unlimited 1.5% cash back on every purchase $0
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
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From Our Partner: Chase
Citi Rewards+® Card
Earn 20,000 Bonus Points After Qualifying Purchase
Apply Now
on Citi secure site
Bonus Spending Rewards Annual Fee
Earn 20,000 Bonus Points After Qualifying Purchase Earn 2x Points at Supermarkets and Gas Stations $0
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
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From Our Partner: Citi
Bonus Spending Rewards Annual Fee
N/A Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay $0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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From Our Partner: Citi
United Gateway℠ Card
30,000 bonus miles
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
30,000 bonus miles 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. 1 mile per $1 spent on all other purchases. $0
  • Earn 30,000 bonus miles
  • No annual fee
  • Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
  • Earn 2 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent at gas stations
  • Earn 2 miles per $1 spent on local transit and commuting
  • Earn 1 mile per $1 spent on all other purchases
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From Our Partner: Chase
Bonus Spending Rewards Annual Fee
N/A N/A $0
  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.74% - 25.74% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
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From Our Partner: Chase
HSBC Cash Rewards Mastercard®
Earn an additional 5% cash back for the first 6 months
Apply Now
on HSBC Canada secure site
Bonus Spending Rewards Annual Fee
N/A Earn an additional 5% cash back on all purchases for the first 6 months $0
  • Apply for an HSBC Cash Rewards Mastercard® by May 2, 2022 and earn an additional 5% cash back on all purchases for the first 6 months (up to $2,000 in total purchases) 
  • 1.5% cash back on up to $6,000 of your online purchases. And yes, this includes streaming services, online subscriptions and food delivery. Score!
  • 1% cash back on your gas, grocery and drugstore purchases.
  • 0.5% cash back on (almost) everything else you buy with your card.
  • Redeem sooner – You only need to reach $25 in cash back to redeem.
  • Redeem when you want – Redeem for cash back as a statement credit online. See how easy it is at rewards.hsbc.ca
  • Redeem to pay down or save up –  Use your cash back for a credit towards your residential mortgage account, or credit card, or to top up your savings account.
  • *Terms and Conditions apply
  • ®/TM Mastercard is a  registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
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From Our Partner: HSBC Canada
HSBC Travel Rewards Mastercard®
Earn 20,000 points ($100 travel value)
Apply Now
on HSBC Canada secure site
Bonus Spending Rewards Annual Fee
Earn 20,000 points ($100 travel value) Earn 3 points for each dollar you spend on eligible travel and and flights $0
  • Apply for an HSBC Travel Rewards Mastercard® by May 2, 2022 and earn 20,000 points ($100 travel value) when you spend $2,000 within 6 months of account opening.  
  • 3 points for each dollar you spend up to $6,000 on eligible travel (like car rentals, hotels and flights and even 'outdoorsy' travel like RV rentals and campground fees). 
  • 2 points for each dollar you spend on gas, everyday transportation (like subways, trains and taxis). 
  • 1 point per dollar on (almost) everything else you buy with your card.
  • Flexible travel rewards – Simply use your card to pay for your trip – like car rentals, flights, hotels and rail tickets – then redeem your points for a statement credit. You can even book your trip with points. 
  • Gift cards and merchandise – Choose from 100+ options from popular retailers and restaurants at rewards.hsbc.ca
  • Redeem to pay down or save up – Use your points for a credit towards your residential mortgage account, or credit card account, or to top up your savings account
  • *Terms and Conditions apply
  • ®/TM Mastercard is a  registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
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From Our Partner: HSBC Canada
GM Business Card™
Get $500 in Bonus Earnings to redeem with GM towards the purchase or lease of eligible, new GM vehicles after you spend $4,000 on purchases in your first 3 months.*
Apply Now
on Marcus by Goldman Sachs Bank secure site
Bonus Spending Rewards Annual Fee
Get $500 in Bonus Earnings to redeem with GM towards the purchase or lease of eligible, new GM vehicles after you spend $4,000 on purchases in your first 3 months.* Get 5% in Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers, 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases.* No Annual Fee*
  • Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle, with no annual fee.*
  • Get $500 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $4,000 on purchases in your first 3 months from account opening.*
  • 0% Intro APR on purchases for the first 12 months, variable of 15.49% to 25.49% APR after.*
  • 5% in Earnings on GM dealership parts, accessories or service purchases.*
  • 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
  • No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
  • See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score. 
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Select 'Apply Now' to learn more about the product features, terms, conditions and Program Rules. Subject to credit approval.
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From Our Partner: Marcus by Goldman Sachs Bank
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Earn 140,000 bonus points Up to 26 points total per $1 spent when you stay at an IHG hotel. $99
  • Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights
  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel
  • Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
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From Our Partner: Chase
HSBC Travel Rewards Mastercard®
Get up to $125 in total value* for the first year! Must apply by Oct 31, 2022. Conditions apply.
Apply Now
on HSBC Canada secure site
Bonus Spending Rewards Annual Fee
Get up to $125 in total value* for the first year! Must apply by Oct 31, 2022. Conditions apply. Earn 3 points for each dollar you spend on eligible travel and and flights $0
  • Special offer: Earn 25,000 points* ($125 travel value) if you spend $1,000 in the first 180 days. Must apply by Oct 31, 2022. Conditions apply
  • Collect points and reward yourself anytime;
  • 3 points for every $1 spent on eligible travel purchases*  (car rentals, vacations, hotel flights, etc.)
  • 2 points for every $1 spent on eligible gas and daily transportation purchases*  (subway, train, taxi, etc.)
  • 1 point for every $1 on all other eligible everyday purchases*
  • Redeem your points your way – the choice is yours
  • *Terms and Conditions apply
  • ®/TM Mastercard and Cirrus are registered trademarks of Mastercard International Incorporated. Used pursuant to license.
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From Our Partner: HSBC Canada
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