Top No Annual Fee Credit Cards

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 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 May 31, 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 May 31, 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 3,500 sign up bonus Avion points upon approval (apply before May 29, 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 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 10% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before May 2, 2023)
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