{"id":207264,"date":"2026-05-01T00:01:00","date_gmt":"2026-05-01T04:01:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/best-credit-cards-in-canada\/no-fee\/"},"modified":"2026-05-09T07:28:16","modified_gmt":"2026-05-09T07:28:16","slug":"no-fee","status":"publish","type":"page","link":"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/no-fee\/","title":{"rendered":"The Best No-Annual-Fee Credit Cards \u2013 May 2026"},"content":{"rendered":"\n<p>Are you looking for a no-fee credit card? These credit cards <strong>have no annual fee<\/strong>.<\/p>\n\n\n\n<p>It is therefore advised to keep a card like that, year after year, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/101-credit-score\/\">to improve your credit history.<\/a><\/p>\n\n\n\n<p>Here is a table summarizing the different offers. For more details, read on or click on the name of a card.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='14'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--9 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22683,116031,22697,166386,22740,334052,71355,22760,344223\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"tangerine_money-back_world_mastercard_\">Tangerine&reg; Money-Back World Mastercard&reg;*<\/h2>\n\t\t\t\t<p>If you have an individual income of $60,000 or a household income of $80,000, you can choose the Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*.<\/p>\n<p>This credit card has <strong>no annual fee<\/strong> and allows you to earn cash back on your everyday purchases. With the current offer, you can get <strong>$100<\/strong> when you spend <strong>$1,500 within your first three months<\/strong><sup>\u2020\u2020<\/sup>. <\/p>\n<p>You get <strong>2% unlimited cash back<\/strong> in 2 categories of your choice and <strong>0.5% on all your other purchases<\/strong>. Plus, you can <strong>unlock a third 2% category<\/strong> when your cash back is deposited into a Tangerine Savings Account. <\/p>\n<p>Choose from <strong>13 spending categories<\/strong> (groceries, gas, restaurants, and more) and change them every 90 days to match your habits<sup>\u25ca<\/sup>.<\/p>\n<p>The card also includes useful protections, including <strong>purchase assurance and extended warranty<\/strong><sup>5<\/sup>, as well as <strong>mobile device insurance<\/strong> and coverage for <strong>rental vehicles<\/strong><sup>5<\/sup>.<\/p>\n<p>Finally, you can transfer high-interest credit card balances and enjoy a <strong>promotional rate of 1.95% for 6 months<\/strong> (a 1% transfer fee applies)<sup>11<\/sup>.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"71355\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"eq_bank_card\">EQ Bank Card<\/h2>\n\t\t\t\t<p>With the EQ Bank Card, you pay no foreign exchange fees for purchases made abroad or in foreign currencies. This Mastercard is a reloadable prepaid card with which you can make free withdrawals at any ATM in Canada. <\/p>\n<p>In addition, you earn the same excellent rate as your Personal Account, as well as 0.5% cash back on every purchase made with the EQ Bank Card.<\/p>\n<p>Since it is a Mastercard, you can use it anywhere in the world as well as in Costco warehouses in Canada.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"344223\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"pc_mastercard_\">PC&reg; Mastercard&reg;<\/h2>\n\t\t\t\t<p>The PC Mastercard offers a <strong>20,000 PC Optimum<sup>\u2122<\/sup> welcome bonus<\/strong> after you spend $50 in the first two months, all with <strong>no annual fee<\/strong>. It\u2019s an ideal entry-level card to start earning points within the Loblaw ecosystem. <\/p>\n<ul>\n<li><strong>1% back in points<\/strong> at Loblaw banner grocery stores, including <strong>Loblaws<sup>MD<\/sup><\/strong>, <strong>No Frills<sup>MD<\/sup><\/strong>, <strong>Real Canadian Superstore<sup>MD<\/sup><\/strong>, <strong>Maxi<sup>MD<\/sup><\/strong>, and other locations<sup>3<\/sup>.<\/li>\n<li><strong>At least 3\u00a2 <\/strong><strong> per litre <\/strong>back in points on fuel at <strong>Esso<\/strong> and <strong>Mobil<\/strong> stations<\/li>\n<li><strong>2.5% back in points<\/strong> at <strong>Shoppers Drug Mart<\/strong> and <strong>Pharmaprix<\/strong><\/li>\n<li><strong>1% back in points<\/strong> at <strong>Joe Fresh<\/strong><\/li>\n<li><strong>1% back in points<\/strong> everywhere else<\/li>\n<\/ul>\n<p>This way, you earn between <strong>1% and 3% back<\/strong> on your purchases at PC Optimum stores. Your points can then be redeemed for <strong>discounts at checkout<\/strong> or a <strong>$7 credit per 10,000 points<\/strong> applied directly to your card balance. <\/p>\n<p>With its <strong>90-day purchase assurance<\/strong>, <strong>extended warranty<\/strong>, and <strong>Mastercard Global Service<\/strong>, this card offers valuable protections for a no-annual-fee card.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22760\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"american_express_green_card\">American Express&reg; Green Card<\/h2>\n\t\t\t\t<p>Do you want a cash back credit card with <strong>no annual fee<\/strong> that earns travel points? Here&rsquo;s an option for you: American Express<sup>&reg;<\/sup> Green Card.<\/p>\n<p>By signing up for the American Express<sup>&reg;<\/sup> Green Card, you can earn <strong><span class=\"nowrap\">10,000<\/span> Membership Rewards Welcome Bonus Points<\/strong> when you charge <span class=\"nowrap\">$1,000<\/span> in purchases to your Card in the first 3 months of Cardmembership. This is a <span class=\"nowrap\">$100<\/span> value for travel or any purchase on the Card.<\/p>\n<p>You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, Flying Blue, etc.) and hotel partners (Marriott Bonvoy, Hilton Honors).<\/p>\n<p>For example, with this welcome offer, if you decide to <strong>transfer your Membership Rewards points<\/strong> to a partner loyalty program, you would have the choice of earning:<\/p>\n<ul>\n<li>10,000 Aeroplan points<\/li>\n<li>10,000 Avios points<\/li>\n<li>10,000 Flying Blue Miles<\/li>\n<li>12,000 Marriott Bonvoy points<\/li>\n<\/ul>\n<p>That&rsquo;s a nice welcome bonus for a credit card with no annual fee.<\/p>\n<p>You\u2019ll also have access to online promotional offers to earn points or rebates on your purchases with this no annual fee credit card.<\/p>\n<p>Like all American Express Canada Cards, there is <strong>no minimum income requirement<\/strong>.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"116031\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"neo_mastercard_\">Neo Mastercard&reg;<\/h2>\n\t\t\t\t<p>With the Neo Mastercard, you get <strong>$25 cash back<\/strong> as a welcome bonus.<\/p>\n<p>Get unlimited cash back from thousands of partners. On average, you can earn up to 5% cash back at over 10,000 Neo partners across the country.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"166386\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"bmo_eclipse_rise_visa_card\">BMO eclipse rise Visa* Card<\/h2>\n\t\t\t\t<p>The new BMO eclipse rise Visa* Card is a <strong>no-annual-fee<\/strong> credit card with travel points, requiring <strong>no minimum income<\/strong>.<\/p>\n<p>With this offer, you can earn up to <span class=\"nowrap\"><strong>25,000 points<\/strong><\/span> as a welcome bonus:<\/p>\n<ul>\n<li><strong>20,000 points<\/strong> after <span class=\"nowrap\">$1,500<\/span> in purchases in the first 3 months<\/li>\n<li><strong>2,500 points<\/strong> when you redeem 12,000 points with the Pay with Points option over a 12-month period<\/li>\n<li><strong>2,500 points<\/strong> when you pay the balance on time for 12 months<\/li>\n<\/ul>\n<p>What&rsquo;s more, you can benefit from an <strong>interest rate of <span class=\"nowrap\">0.99%<\/span> on balance transfers for nine months<\/strong> (a 2% balance transfer fee applies).<\/p>\n<p>With the new BMO eclipse rise Visa* Card, you earn&nbsp;:<\/p>\n<ul>\n<li><strong>5 points<\/strong> for every two dollars spent on recurring bill payments<\/li>\n<li><strong>5 points<\/strong> for every two dollars spent at the grocery store<\/li>\n<li><strong>5 points<\/strong> for every two dollars spent at restaurant and for takeaway<\/li>\n<li><strong>1 point<\/strong> per two dollars of purchases for all other purchase categories<\/li>\n<\/ul>\n<p>You can use BMO Rewards points for all travel purchases made through the <strong>agency or website of your choice<\/strong> (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.<\/p>\n<p>The new BMO eclipse rise Visa* Card also offers:<\/p>\n<ul>\n<li>Mobile Device Insurance<\/li>\n<li>Purchase Protection<\/li>\n<li>Extended warranty insurance<\/li>\n<\/ul>\n<p>Finally, enjoy <strong>three months of Instacart+ membership<\/strong> and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"334052\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"mbna_smart_cash_platinum_plus_mastercard_\">MBNA Smart Cash Platinum Plus&reg; Mastercard&reg;<\/h2>\n\t\t\t\t<p>MBNA Smart Cash Platinum Plus<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> is one of the <strong>best no-annual-fee cash-back credit cards<\/strong> in Canada.<\/p>\n<p>With this card, you can get <strong>2%<\/strong> on:<\/p>\n<ul>\n<li>gas purchases<\/li>\n<li>grocery purchases<\/li>\n<\/ul>\n<p>Up to a monthly purchase limit of $500, and 0.5% cash back everywhere else.<\/p>\n<p>For a limited time, you can earn <strong>5% cash back<\/strong> for the first 6 months, <strong>a value of $150<\/strong>. It&rsquo;s the best no-annual-fee MBNA credit card with cash back.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22683\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"rbc_ion_visa_card\">RBC ION Visa Card<\/h2>\n\t\t\t\t<p>With the <strong>RBC ION Visa<\/strong> card, get <strong>7,000 Avion points<\/strong> upon approval<sup>^<\/sup>, worth approximately <strong>$50 in gift cards<\/strong><sup>+!<\/sup>.<\/p>\n<p>This RBC credit card <strong>with no annual fee<\/strong> lets you earn <strong>1.5X Avion points per dollar<\/strong> in the following categories<sup>1<\/sup>:<\/p>\n<ul>\n<li>Groceries<\/li>\n<li>Transit, gas, and electric vehicle charging<\/li>\n<li>Streaming, digital games, and subscriptions<\/li>\n<\/ul>\n<p>You also earn <strong>1 Avion point per dollar<\/strong> on all other eligible purchases<sup>1<\/sup>.<\/p>\n<p>Plus, save 3\u00a2 per litre on fuel at Petro-Canada and get 20% more points when you pay with an eligible linked RBC card<sup>4<\/sup>.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22740\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"cibc_dividend_visa_card\">CIBC Dividend&reg; Visa* Card<\/h2>\n\t\t\t\t<p>The CIBC Dividend<sup>&reg;<\/sup> Visa* Card is one of the <strong>best no-fee<\/strong> <strong>cash-back<\/strong> Visa credit cards in Canada.<\/p>\n<p>For a limited time, earn <strong><span class=\"nowrap\">5%<\/span> cash back<\/strong> (up to <span class=\"nowrap\"><strong>100&nbsp;$<\/strong><\/span>) during the period covered by your first 4 monthly statements.<\/p>\n<p>Plus, get&nbsp;:<\/p>\n<ul>\n<li><span class=\"nowrap\">2%<\/span> cash back on eligible grocery purchases<sup>\u2020<\/sup><\/li>\n<li><span class=\"nowrap\">1%<\/span> cash back on eligible gas, electric vehicle charging, transportation, and dining purchases and on eligible recurring payments<sup>\u2020<\/sup><\/li>\n<li><span class=\"nowrap\">0.5%<\/span> cash back on all other purchases<sup>\u2020<\/sup><\/li>\n<\/ul>\n<p>This no-annual-fee CIBC credit card offers <strong>certain insurance coverages: <\/strong><\/p>\n<ul>\n<li>Purchase Security and Extended Protection Insurance<\/li>\n<\/ul>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22697\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequent-asked-questions-about-credit-cards\">Frequent Asked Questions about credit cards<\/h2>\n\n\n\n<p>Here are some frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about credit cards in Canada.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_apos_s_the_best_no-fee_credit_card_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat&apos;s the best no-fee credit card in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Most of the credit cards with no annual fee on this page are excellent to get started. If you want points for travel, you could take the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-aventura-visa-card\/\">CIBC Aventura Visa* Card<\/a>.<\/p>\n<p>If you prefer cash back, the <a class=\"thirstylink\" title=\"MBNA Smart Cash Platinum Plus<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/mbna-smart-cash-platinum-plus-mastercard-qc\/\" rel=\"nofollow sponsored\">MBNA Smart Cash Platinum Plus<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> is for you!<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"should_i_have_a_credit_card_with_no_annual_fee_in_my_wallet_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tShould I have a credit card with no annual fee in my wallet?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>A credit card with no annual fee is a useful card when you&#8217;re starting or don&#8217;t have a long credit history.<\/p>\n\n\n\n<p>As the name suggests, there are no year-to-year fees, and you can keep it for the long term. Be aware that although they are free, they are not the most rewarding. Many credit cards at $120, $399 or even $699 will save you a lot more on <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/travel\/\">your trips<\/a> than someone who swears by &#8220;no fee cards&#8221;.<\/p>\n\n\n\n<p>Thus this credit card will generally be the first one on your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/101-credit-score\/\">credit history<\/a>, a significant asset for establishing your credit score, or allowing you to use it at a specific retailer. It can be taken out in addition to other <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/\">credit cards<\/a>. No minimum income is required depending on the institution, and you may be eligible for a welcome bonus or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/cash-back\/\">cash back<\/a>, for example.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_earn_reward_points_with_no-fee_credit_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I earn reward points with no-fee credit cards&nbsp;?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p><span data-sheets-value=\"Of course, some offer sign-up bonuses or rewards points, but these offers are generally well below what a credit card with an annual fee would offer. These credit cards are not likely to be used for all your regular purchases.\" data-sheets-userformat=\"{\"2\":897,\"3\":{\"1\":0},\"10\":0,\"11\":4,\"12\":0}\">Of course! You can earn a bonus with some no-annual-fee credit cards like <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/cash-back\/\">cash back<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/travel\/\">travel rewards<\/a> or even <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/hotels\/\">a free hotel night<\/a>! But these offers are often less than those coming with <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/\">a credit card with an annual fee<\/a>.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_there_any_disadvantages_to_choosing_credit_cards_with_no_annual_fee_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre there any disadvantages to choosing credit cards with no annual fee?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>These credit cards may offer attractive bonuses and help you build your credit history, but the insurance, benefits and spending accumulation rates are not equivalent to those of credit cards with annual fees.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_issuers_offer_credit_cards_with_no_annual_fee_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich issuers offer credit cards with no annual fee?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Most issuers offer credit cards with no annual fee:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express Canada<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/national-bank-of-canada\/\">National Bank<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/bmo\/\">BMO<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/cibc\/\">CIBC<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/mbna\/\">MBNA<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/pc-financial\/\">PC Financial<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/rbc\/\">RBC<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/scotiabank\/\">Scotiabank<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/tangerine\/\">Tangerine<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/td\/\">TD<\/a><\/li>\n<\/ul><\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_apos_s_the_best_credit_card_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat&apos;s the best credit card in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>There are over 200 credit cards in Canada. There is no &#8220;one best credit card&#8221; in Canada.<\/p>\n\n\n\n<p>Several credit cards can match your needs:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/cash-back\/\">Best Cash Back Credit Cards<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/insurance\/\">Best Credit Cards With Insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/airbnb\/\">The Best Credit cards For Airbnb<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/hotels\/\">Best Credit Cards For Hotels<\/a><\/li>\n<\/ul><\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_many_no-fee_credit_cards_should_i_hold_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow many no-fee credit cards should I hold?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Two to four no-fee cards is the sweet spot for most Canadians. The goal is to cover complementary categories: one card optimized for groceries and gas (such as the <a href=\"https:\/\/mp-2702.milesopedia.dev\/?p=139070\">Tangerine Money-Back Mastercard<\/a> with three chosen categories at 2%), one for everyday Mastercard spending (the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/road-trip-portugal-credit-valerie\/\">PC Mastercard<\/a> at Loblaw banners), one for American Express acceptance (the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-western-braeside-rotorua-20\/\">American Express Green Card<\/a>), and optionally one for online or US purchases with no foreign exchange fees (the EQ Bank Card or Wealthsimple Cash Card). Beyond four, the marginal benefit drops while the cognitive overhead of tracking categories starts to outweigh the cash back gained.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_get_approved_for_a_no-fee_credit_card_with_limited_credit_history_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I get approved for a no-fee credit card with limited credit history?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Several no-fee Canadian cards are designed for newcomers, students or applicants rebuilding credit. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/?p=212876\">BMO eclipse rise Visa Card<\/a> reports to Equifax and TransUnion and is accessible with limited credit history. The EQ Bank Card is technically a prepaid Mastercard with no credit check at all. KOHO offers a Credit Building add-on that reports a payment trade line to credit bureaus for around $10 per month. The Capital One Guaranteed Mastercard accepts applicants with bruised credit by securing the line with a deposit. Use any of these for six to twelve months of on-time payments, then graduate to a mainstream no-fee or premium card.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Are you looking for a no-fee credit card? These credit cards have no annual fee. It is therefore advised to keep a card like that, year after year, to improve your credit history. Here is a table summarizing the different offers. For more details, read on or click on the name of a card. Frequent [&hellip;]<\/p>","protected":false},"author":3,"featured_media":352235,"parent":207228,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-toc.php","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"tags":[],"mc_loyalty_program":[],"class_list":["post-207264","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The Best No-Annual-Fee Credit Cards \u2013 May 2026 | Milesopedia<\/title>\n<meta name=\"description\" content=\"Discover the best credit cards with no annual fee. Exclusive offers for May 2026 on Milesopedia.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/no-fee\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best No-Annual-Fee Credit Cards \u2013 May 2026\" \/>\n<meta property=\"og:description\" content=\"Discover the best credit cards with no annual fee. Exclusive offers for May 2026 on Milesopedia.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/no-fee\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-09T07:28:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/02\/Meilleures-Cartes-CATEGORIE-Sans-Frais.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"840\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/best-credit-cards-in-canada\\\/no-fee\\\/\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/best-credit-cards-in-canada\\\/no-fee\\\/\",\"name\":\"Best No-Annual-Fee Credit Cards - May 2026 - Milesopedia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/best-credit-cards-in-canada\\\/no-fee\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/best-credit-cards-in-canada\\\/no-fee\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Meilleures-Cartes-CATEGORIE-Sans-Frais.jpg\",\"datePublished\":\"2026-05-01T04:01:00+00:00\",\"dateModified\":\"2026-05-09T07:28:16+00:00\",\"description\":\"Discover the best credit cards with no annual fee. 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