The Best No-Annual-Fee Credit Card Offers – April 2024

Tangerine Money-Back Credit Card

The Tangerine Money-Back Credit Card has no annual fee and offers cash back.

With this limited-time welcome offer, you can earn an additional 10% cash back (up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.

You can choose two to three categories that interest you (groceries, gas, furniture, home improvement, recurring bills, pharmacy, etc.) to earn 2% cash back! And there is no annual cash back limit. It is one of the best credit cards for renovations.

In addition, the Tangerine Mastercard offers several insurance coverages for your purchases :

• 90 days purchase insurance
• One year extended warranty

Finally, during your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months.

Scotiabank^® Scene+™ Visa* Card

Are you looking for a Scene+ credit card with no annual fee? The Scotiabank Scene+ VISA card is ideal for students or those who don’t want to pay an annual fee.

For a limited time, you can earn up to 7,500 Scene+ points within the first three months. That’s enough to buy $75 worth of travel or groceries!

With the Scotiabank Scene+ VISA card, you earn 2 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You’ll also earn 2 points for every dollar you spend at Home Hardware stores!

And you get 1 Scene+ point on all your other purchases.

This is a perfect no-fee Visa credit card to earn cash back.

RBC ION Visa Card

With the RBC ION Visa card, you can earn 3,500 Avion points as a welcome bonus.

With this no-annual-fee RBC credit card, you can earn 1.5 Avion points per dollar for :

• Grocery
• Rides, Gas & EV Charging
• Streaming, Digital Gaming & Subscriptions

And 1 Avion point per dollar for all other purchases. Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card

BMO eclipse rise Visa* Card

The new BMO eclipse rise Visa* Card is a no-annual-fee travel rewards credit card with no minimum income required.

With this offer, you can earn up to 25,000 points as a welcome bonus:

• 20,000 points after $1,500 in purchases in the first 3 months
• 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points
• 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months

Moreover, you can get a 0.99% introductory interest rate on Balance Transfers for 9 months (a 2% fee applies to balance amounts transferred).

With the new BMO eclipse rise Visa* Card, you get :

• 5 points for every two dollars spent on recurring bill payments
• 5 points for every two dollars spent at the grocery store
• 5 points for every two dollars in dining and takeout purchases
• 1 point per two dollars spent on everything else

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

The new BMO eclipse rise Visa* Card also offers:

• Mobile Device Insurance
• Purchase Protection
• Extended warranty insurance

Rogers Mastercard^®

The Rogers Mastercard® is one of Canada’s best no-annual-fee credit cards, especially for Rogers, Fido or Shaw customers.

Right now, you can earn 10% cash back for the first 3 months, up to a maximum of $100.

With the Rogers Mastercard®, and if you are actively subscribed to only one eligible service with Rogers, Fido or Shaw, you can earn 2% unlimited cash back on all your purchases. Eligible services include :

• Rogers Mobile
• Fido Mobile
• Rogers, Fido, or Shaw Home (Internet, TV, home phone, home monitoring, or satellite)

So this card is now also available to Quebec residents with a mobile service with Rogers or Fido!

Plus, you get 1.5x redemption bonus on Rogers, Fido and Shaw purchases – that’s a 3% cash back value. Plus, as a Rogers Mastercard® credit cardholder, you’ll get five Roam Like Home days at no cost every year for Rogers mobile plans (up to $75 value).

If you’re not a Rogers, Fido or Shaw customer, you’ll earn 2% cash back on U.S. dollar purchases and 1% unlimited cash back on all other purchases.

SimplyCash^® Card from American Express

Do you want a cash back credit card with no annual fee and a great earning rate for everyday purchases? Here’s an option for you: the SimplyCash® Card from American Express.

With this no-annual-fee credit card, you earn:

• 2% cash back on gas purchases
• 2% cash back on grocery purchases
• 1.25% cash back on all other purchases

And with this welcome offer, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card in the first 10 months ( up to $100 in statement credits).

And you benefit from several coverages: $100,000 travel accident, Purchase Protection, and Buyer’s Assurance® Protection Plan.

Like all American Express Canada Cards, there is no minimum income requirement.

MBNA Rewards Platinum Plus^® Mastercard^®

The MBNA Rewards Platinum Plus® Mastercard® is one of Canada’s best no-annual-fee credit cards.

With this card, you can earn 2 points per dollar on:

• Dining purchases
• Grocery purchases
• Digital media purchases (Netflix, Spotify, etc.)
• Memberships
• Household utility purchases (electricity, etc.)

And 1 point per dollar everywhere else. This is the best MBNA credit card with no annual fee.

For a limited time, you can get 10,000 welcome bonus points, a $100 value on travel purchases charged to your Card.

Scotiabank American Express^® Card

The Scotiabank American Express® Card is one of the best no-annual-fee credit cards in Canada.

For a limited time, you can earn up to 7,500 points in the first three months, representing a $75 value for travel, including Airbnb.

With the Scotiabank American Express® Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you get 2 points per dollar for:

• grocery stores
• Restaurants
• Entertainment
• Gas stations
• Transit
• streaming services

And 1 point per dollar of purchase for all other purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). Or with Scene+ partners for cash back.

CIBC Dividend^® Visa* Card

The CIBC Dividend® Visa* Card is one of the best no-fee Visa cashback credit cards in Canada.

For a limited time, earn 5% cash back (up to $100 cash back)^†.

With this no annual fee CIBC Credit Card, you get:

• 2% cash back on eligible grocery purchases
• 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments^†
• 0.5% cash back on all other purchases†

And this no-annual-fee CIBC Credit Card offers some insurance coverage:

• $100,000 Common Carrier Accident Insurance
• Purchase Security and Extended Protection Insurance

CIBC Aventura^® Visa* Card

The CIBC Aventura® Visa* Card is one of the best no-fee Visa credit cards with travel rewards in Canada.

Get up to 10,000 Aventura Points (up to $100 in travel value^†)

• 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.^†
• 7,500 Aventura Points after you make your first purchase within first 4 months.^†

With this no annual fee CIBC Aventura Credit Card, you get:

• 1 point for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores^†
• 1 point for every $1 spent on travel purchased through the CIBC Rewards Centre
• 1 point for every $2 spent on all other purchases

And this no-annual-fee CIBC Credit Card offers some insurance coverage:

• Auto Rental Collision and Loss Damage Insurance
• $100,000 Common Carrier Accident Insurance
• Purchase Security and Extended Protection Insurance

MBNA Smart Cash Platinum Plus^® Mastercard^®

The MBNA Smart Cash Platinum Plus® Mastercard® is one of the best cash back credit cards with no annual fee in Canada.

With this card, you can get 2% on:

• gas purchases
• grocery purchases

Until the total gas and grocery purchases in the applicable month reaches $500. And 0.5% everywhere else.

For a limited time, you can earn 5% cash back for the first six months, a $150 value. This is the best no-fee MBNA credit card with cash back.

BMO^® AIR MILES^® Mastercard^®*

With this exclusive offer for the BMO® AIR MILES® Mastercard®*, you earn 1,500 AIR MILES Bonus Miles after $1,000 in Card purchases, a $150 cash value. Besides, it’s a no-annual-fee credit card.

With the BMO® AIR MILES® Mastercard®*, you get 3x the Miles for every $25 spent at participating AIR MILES Partners. And 1 mile for every $25 you spend, Costco included.

Also, you can get a 0.99% introductory rate on balance transfers for 9 months (a 2% fee applies to the balance amount transferred).

Who can benefit from no-annual-fee credit cards?