No annual fee credit cards
We compare 38 no annual fee credit cards from 18 Canadian issuers. Annual fees range from $0. Sorted highest earn rate first.
Updated October 2026
No annual fee credit cards compared
A no-fee card costs nothing to keep, which makes it a safe first card, a good backup card and an easy way to keep an old account open for your credit history. The trade-off is usually lower earn rates and lighter insurance than cards that charge a fee.
45x on Shoppers Drug Mart / Pharmaprix
- 45 points per dollar at Shoppers Drug Mart and Pharmaprix
- 30 points per dollar at Loblaw banner stores and Joe Fresh
- No annual fee, with free additional cards
5x on Blue Rewards partners (incl. Blue Rewards Travel)
- No annual fee, with free supplementary cards
- 5 points per dollar at 400+ Blue Rewards partners, including Blue Rewards Travel
- Welcome bonus needs just $1,500 of spending in 110 days
4% on restaurants, bars & coffee shops
- 4% cash back at restaurants, bars and coffee shops
- 1.5% on gas, EV charging, groceries and recurring bills
- Purchase security and extended warranty coverage
4x on Expedia For TD bookings
- 3x points on groceries, dining and public transit
- 4x on travel booked through Expedia For TD
- No annual fee
4% on Canadian Tire, Sport Chek, Mark's, Party City & partner stores
- No annual fee
- 4% back in CT Money at Canadian Tire family stores
- 3% on groceries, up to $12,000 a year
3% on groceries
- 3% cash back on groceries with no annual fee
- 1% back on recurring bills
- Recommended credit score of 600+ suits newer borrowers
3% on restaurants
- 3% back at restaurants and Costco gas stations
- No annual fee and no limit on total cash back
- Mobile device insurance included
3% on US-dollar purchases
- No annual fee with World Elite benefits
- 3% back on US-dollar purchases, above the 2.5% FX fee
- 1.5% cash back on everything else
3x on Sobeys-family grocery stores
- 3 points per dollar at Sobeys-family grocery stores
- 2 points per dollar on dining, gas, transit and streaming
- No annual fee and a low $12,000 income requirement
3% on Walmart purchases
- 3% back on Walmart purchases, in store and online
- No annual fee
- Reward Dollars never expire and redeem with no minimum
2.5x on recurring bill payments
- No annual fee
- 5 points per $2 on groceries, dining, takeout and recurring bills
- Up to 5,000 bonus points a year for paying on time and redeeming
2x on travel via CIBC by Expedia
- No annual fee, including up to 3 additional cards
- 1.5x in your top 3 spending categories, picked automatically each month
- Complimentary roadside assistance membership
2% on groceries
- 2% cash back on groceries with no annual fee
- No cap on total cash back; redeem from $10 anytime
- Up to 10 cents a litre off gas with Journie Rewards
2% on groceries
- No annual fee and no minimum income requirement
- 2% cash back on groceries
- Welcome offer of up to $125 cash back
2% on restaurants
- 2% cash back on restaurants, entertainment and transit, with no annual fee
- Travel medical coverage for trips of up to 3 days
- Mobile device insurance up to $1,000
2x on groceries
- No annual fee, including up to nine additional cards
- 2x points on groceries, restaurants, digital media and utilities
- Yearly birthday bonus of 10% of points earned, up to 10,000
2% on groceries
- No annual fee
- 2% cash back on groceries, gas and recurring bills, up to monthly limits
- Choice of three cash back plans at signup
2% on grocery store purchases
- No annual fee
- 2% cash back on the first $6,000 of groceries each year
- Redeem cash back any time once you have $25
2% on U.S. dollar purchases
- 2% cash back with a qualifying Rogers, Fido, Comwave or Shaw service
- No annual fee and up to nine free supplementary cards
- 1.5x bonus when you redeem toward Rogers-family purchases
2x on groceries (Sobeys group)
- No annual fee
- 2x Scene+ points at Sobeys-group grocers
- 2x on entertainment and dining
2% on groceries
- No annual fee
- 2% cash back on gas and groceries
- 1.25% on all other purchases, with no categories to activate
2% on groceries (a 2% category)
- Choose your own 2% cash back categories
- Third 2% category when rewards go to a Tangerine Savings Account
- Cash back paid monthly with no minimum
2% on 2 categories of your choice
- 2% cash back in 2 or 3 categories you choose, with no cap
- No annual fee
- Mobile device and rental car insurance
1.5% on gas stations
- No annual fee, and employee cards are free
- 1.5% cash back on gas, phone and internet bills and office supplies
- 1.75% back at Shell stations in Canada
1.5x on groceries
- No annual fee
- 1.5x on groceries, gas, transit, rideshare and streaming
- Welcome points awarded on approval
1x on all purchases
- No annual fee, including on additional cards
- Points transfer 1:1 to Aeroplan, Avios and other partners
- Up to 10,000 bonus points for $1,000 of spending in 3 months
1x on gas & EV charging
- No annual fee to collect Aeroplan points
- 1 point per dollar on gas, groceries and Air Canada purchases
- Preferred pricing on Aeroplan flight rewards
1x on gas & EV charging
- No annual fee
- 1 point per dollar on gas, groceries and drug stores
- Points redeem for flights on any airline, hotels and more
1x on gas & EV charging
- No annual fee and no minimum income requirement
- Up to 12,500 Aventura points as a welcome bonus
- Free SPC+ membership with discounts at 450+ brands
1% on all eligible purchases
- No annual fee and no foreign transaction fee
- 1% cash back on eligible purchases, with no cap
- Works with Apple Pay, Google Pay and Samsung Pay
1% on everyday spending
- Earns cash back while you build credit
- No annual fee on the standard tier
- Reports to the credit bureaus
1% on everyday spending
- No annual fee on the standard card
- Partner merchants pay an average of about 5% cash back
- Up to $75 cash back as a welcome offer
1% on groceries
- 5% cash back on up to $2,000 of purchases in the first 3 months
- 0.99% introductory balance transfer rate for 9 months
- No annual fee
1% on groceries
- No annual fee, and no minimum income to qualify
- Redeem cash back toward your balance at any time
- At least 10% off Avis and Budget rentals in Canada and the US
1% on everything
- No annual fee and no foreign transaction fee
- Flat 1% cash back on every purchase
- Up to 2% back for Premium and Generation clients
0.5x on all purchases
- No annual fee and free supplementary cards
- 1.5% foreign transaction fee, below the 2.5% most cards charge
- Up to 30 points per dollar at Brim partner merchants
19.99% purchase interest rate
- No annual fee on the standard version
- Reports to the Canadian credit bureaus
- Open to applicants with poor or no credit history
12.99% purchase interest rate
- No annual fee
- 12.99% interest rate on purchases
- 0% promotional interest on balance transfers for 12 months
Questions
How many no annual fee credit cards does CreditLab compare?
We compare 38 credit cards in this category from 18 issuers, with fees from $0 a year. Each one links to a full breakdown of its fees, rates and features.
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Fees and rates come from each issuer’s published terms. Always confirm with the issuer before applying. See our methodology.