Top No Annual Fee Credit Cards
Below is a list of the top no annual credit cards in Canada (sorted alphabetically):
- No annual fee
- Earn 12,500 sign up bonus points after spending $1,200 in the first 3 months
- Earn 1 point for every $1 spent on all purchases
- No annual fee
- Earn 5% cash back on all purchases (for the first 4 months, up to $2,500 in spending or $125 in cash back) (apply before July 31, 2023)
- Earn 3% cash back on grocery purchases (up to $500 in spending per monthly cycle)
- Earn 1% cash back on recurring bill purchases
- Earn 0.5% cash back on all other purchases
- No annual fee
- Earn 7¢ per litre cash back on premium fuel at any Gas + location
- Earn 5¢ per litre cash back on regular fuel at any Gas + location
- Earn 4% cash back on qualifying purchases made online and in-store at Canadian Tire, Mark’s, Sport Chek and Atmosphere
- Earn 3% cash back in Canadian Tire Money on grocery store purchases
- Earn 1% cash back on all other purchases
- Have at least $80,000 in personal annual income
- No annual fee
- Earn 10,000 sign up Aeroplan bonus points after the first purchase
- Earn 1 point per $1 spent on Air Canada, gas and grocery purchases
- Earn 1 point per $1.50 spent on all other purchases
- Save 3 cents off per litre at participating gas stations with Journie Rewards
- Have at least $15,000 in personal annual income
- No annual fee
- Earn 3% cash back on restaurants and Costco gas purchases (up to $5,000 in spending)
- Earn 2% cash back at all other gas and Costco.ca purchases (up to $8,000 in spending)
- Earn 1% cash back on all other purchases
- Have at least $15,000 in personal annual income
- Exclusive to Costco members
- No annual fee
- Earn 25,000 points* (for spending $1,000 within 180 days of account opening) (apply before February 28, 2023)
- Earn 3 points for every $1 spent on eligible travel purchases*
- Earn 2 points for every $1 spent on eligible gas and daily transportation purchases*
- Earn 1 point for every $1 on all other eligible everyday purchases*
- *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.
- No annual fee
- Earn 25,000 points* (for keeping the account open and active for 180 days) (apply before February 28, 2023)
- Earn 3 points for every $1 spent on eligible travel purchases*
- Earn 2 points for every $1 spent on eligible gas and daily transportation purchases*
- Earn 1 point for every $1 on all other eligible everyday purchases*
- *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.
- No annual fee
- Earn 5% back at Amazon.ca, grocery stores, and restaurants (for 6 months on the first $3,000 in eligible purchases)
- Earn 2.5% back (Prime members) on Amazon.ca, Whole Foods Market purchases, as well as foreign transactions
- Earn 1.5% back (non Prime members) on Amazon.ca and Whole Foods Market purchases
- Earn 1% back other purchases
- No annual fee
- Earn 1% on restaurant purchases and recurring pre-authorized payments (after the promotional period is done)
- Earn 0.5% cash back on all other purchases
- No minimum annual income required to apply
- No fee
- Monthly subscription available to customize your Neo Card by stacking perks that reward your spending
- Earn $25 sign up bonus
- Earn up 15% cash back on first time purchases
- Earn up 5% cash back on partner purchases
- Earn 1% cash back on all other purchases
- No annual fee
- Earn 20,000 sign up bonus PC points
- Earn 45 PC Optimum points for every $1 spent at Shoppers Drug Mart and Pharmaprix
- Earn 30 PC Optimum points for every $1 spent at PC stores, pctravel.ca and PC mobile (excluding PC mobile prepaid services)
- Earn 30 PC Optimum points per litre of Esso Supreme (Octane 91) and Esso SUPREME+ (Octane 93)
- Earn 20 PC Optimum points per litre on other gasoline or diesel
- Earn 10 PC Optimum points for every $1 spent on all other purchases
- Have at least $80,000 in personal annual income or $150,000 household income
- No annual fee
- Earn 6,000 sign up bonus Avion points upon approval (apply before April 4, 2023)
- Earn 1.5 Avion points for every $1 spent on daily public transit, digital gaming, electrical vehicle charging, gas, groceries, rides, streaming, subscriptions
- Earn 1 Avion point for every $1 spent on all other purchases
- No annual fee
- Earn $25 cash back sign up bonus
- Earn 3% cash back on USD purchases
- Earn 1.50% cash back on all other purchases
- Have at least $80,000 in personal annual income or $150,000 household income
- No annual fee
- Earn 10,000 sign up bonus Scene points (earn 5,000 points after spending $750 in the first 3 months and earn 5,000 points after spending $5,000 in the first year) (apply before April 30, 2023)
- Earn 5 Scene points for every $1 spent at participating Cineplex Entertainment theatre or online
- Earn 1 Scene point for every $1 spent on all other purchases
- Have at least $12,000 personal annual income
- No annual fee
- Earn 10% cash back on restaurants and bars (in the first 4 months or the first $500 in spending)
- Earn 4% cash back on restaurants and bars (after the bonus offer expires)
- Earn 1.5% cash back on gas, groceries, drugstore purchases and pre-authorized payments
- Earn 0.5% cash back on all other purchases
- Have at least $15,000 in personal annual income
- No annual fee
- Up to 5 supplementary cardholders
- Earn 15% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before December 29, 2022)
- Earn 2% cash back on choice of 2 categories (3rd choice if you deposit the cash back into your Tangerine Savings Account)
- Earn 0.5% cash back on all other purchases
- No annual fee
- Up to 5 supplementary cardholders
- Earn 15% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before December 29, 2022)
- Earn 2% cash back on choice of 2 categories (3rd choice if you deposit the cash back into your Tangerine Savings Account)
- Earn 0.5% cash back on all other purchases
- Receive Boingo Wi-Fi
- No annual fee
- Earn $25 sign up bonus (earn $15 Welcome Bonus plus $10 Paperless Statement Bonus)
- Earn 3% cash back on walmart.ca purchases
- Earn 1.25% cash back on gas and walmart.ca purchases
- Earn 1% cash back on all other purchases
- Have at least $100,000 in annual household income
