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 $100. You earn 2x on groceries and 0.5x at restaurants. Estimated first-year value is $412.
Cash Back
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. Estimated first-year value is $680.
Amex Membership Rewards
The BMO eclipse rise Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 25,000 points. You earn 2.5x on groceries and 2.5x at restaurants. Estimated first-year value is $469.
BMO Rewards
The CIBC Dividend® Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $100. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $427.
Cash Back
The RBC ION Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 14,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $759.
RBC Avion Rewards - Premium
Ends Nov 4, 2026
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
