Top credit cards with $0 annual fee. Earn cash back and rewards without paying a yearly charge.
The Tangerine® Money-Back World Mastercard®* has no annual fee, making it risk-free to hold. It comes with a welcome bonus of up to $100. You earn 2x on groceries and 0.5x at restaurants.
Cash Back
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(Up to)
Ends Sep 30, 2026
The American Express® Green Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 10,000 points. You earn 1x on groceries and 1x at restaurants.
Amex Membership Rewards
Milesopedia estimate
The BMO eclipse rise Visa* Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of up to 25,000 points. You earn 2.5x on groceries and 2.5x at restaurants.
BMO Rewards
Milesopedia estimate
(Up to)
The CIBC Dividend® Visa* Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of up to $100. You earn 2x on groceries and 1x at restaurants.
Cash Back
Milesopedia estimate
(Up to)
The RBC ION Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of up to 14,000 points. You earn 1.5x on groceries and 1x at restaurants.
RBC Avion Rewards - Premium
Milesopedia estimate
(Up to)
Ends Nov 4, 2026
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
