Canadian Credit Cards

Why pay fees on a Canadian credit card if you don’t have to? Here is a list of the major no fee credit cards in Canada.

Be sure to pay particular attention to the interest rate on the card, and what type of rewards are offered.

TD Green Visa
TD Green Visa Credit Card
  • $200,000 in Travel Insurance
  • Warranty Extension
  • Preferred Budget Car Rental Rates

Interest Rate
19.75%
Min. Limit
$500
Cash Advances
$500
Credit Required
Fair Credit

The GM Card
The GM Card
  • 3% in GM earnings
  • $150,000 in Travel Insurance
  • Preferred Budget Car Rental Rates

Interest Rate
19.75%
Min. Limit
$500
Cash Advances
$500
Credit Required
Fair Credit

TD Gold Select Visa Card
TD Gold Select Visa Card
  • $500,000 in Travel Insurance
  • Emergency travel assistance
  • Warranty Extension

Interest Rate
19.75%
Min. Limit
$500
Cash Advances
$500
Credit Required
Excellent Credit

RBC VISA Classic Student
  • University students can build a credit history while enjoying a fully featured Royal Bank Visa card
  • RBC Visa Savings Program
  • Hotel room reservations

Interest Rate
18.75%
Min. Limit
$500
Cash Advances
$500
Credit Required
No Credit

RBC VISA Gold
  • Emergency travel assistance
  • RBC Visa Savings Program
  • Auto Rental Insurance

Interest Rate
18.50%
Min. Limit
$5000
Cash Advances
Up to $1000
Credit Required
Good Credit

RBC VISA Platinum
  • RBC Visa Savings Program
  • Credit limit of up to $50,000
  • Hotel room reservations

Interest Rate
18.50%
Min. Limit
$5000
Cash Advances
Up to $1000
Credit Required
Excellent Credit

Citi MasterCard
  • Price protection
  • 24/7 customer service

Interest Rate
18.50%
Min. Limit
$1000
Balance Transfers
5.90% (6 month rate) 19.9% after
Credit Required
Fair Credit

Citi Gold MasterCard
  • Emergency assistance program
  • Warranty Extension
  • 24/7 customer service

Interest Rate
18.50%
Min. Limit
$2,500
Balance Transfers
5.90% (6 month rate) 18.5% after
Credit Required
Good Credit

Citi Platinum MasterCard
  • Collision/ loss damage waiver when you rent a car
  • $500,000 in Travel Insurance
  • 24/7 customer service

Interest Rate
17.90%
Min. Limit
$5000
Balance Transfers
5.90% (6 month rate) 17.9% after
Credit Required
Excellent Credit

National Bank of Canada Gold Edition Card
  • Warranty Extension
  • 90-day protection on all purchases

Interest Rate
18.90%
Min. Limit
$2500
Cash Advances
$500
Credit Required
Good Credit

National Bank of Canada Syncro Card
National Bank of Canada Syncro MasterCard
  • Variable prime rate
  • Fixed adjustment rate of 4%

Interest Rate
Prime rate + 4 %
Min. Limit
$500
Cash Advances
$500
Credit Required
Fair Credit

Citizens Bank of Canada Amnesty International VISA
  • When you use your Amnesty International VISA card, Citizens Bank of Canada will donate 10½% to Amnesty International
  • $200,000 Travel Insurance
  • Purchase Security Coverage

Interest Rate
18.50%
Min. Limit
$500
Cash Advances
$500
Credit Required
Fair Credit

Laurentian Bank Black VISA Card
  • Payment protection available
  • Guaranteed hotel reservation services

Interest Rate
18.50%
Min. Limit
$500
Cash Advances
$500
Credit Required
Fair Credit

Desjardins Elegance GOLD Card VISA
  • Bonus Dollars Rewards Program
  • Internet fraud coverage
  • Warranty Extension

Interest Rate
19.90%
Min. Limit
$5000
Cash Advances
$500
Credit Required
Excellent Credit

HSBC Standard MasterCard
  • 19 day interest-free grace period from statement date on purchases

Interest Rate
18.40%
Min. Limit
$500
Cash Advances
$500
Credit Required
Fair Credit

No-Fee ScotiaGold VISA Card
No-Fee ScotiaGold VISA Card
  • Up to 20% discounted rates at Avis Car Rentals
  • Emergency Travel assistance
  • Rental Car Collision insurance

Interest Rate
18.50%
Min. Limit
$5000
Cash Advances
Yes
Credit Required
Excellent Credit

Canadian Tire Options Mastercard
  • Automatically earn Canadian Tire ‘Money’ everywhere
  • Earn Canadian Tire ‘Money’ at Canadian Tire Gas Bars
  • Earn 20% more when you use it to pay for your Canadian Tire store purchases

President’s Choice Financial MasterCard
President's Choice Financial MasterCard
  • You earn 10 PC points for every dollar of purchase on your President’s Choice Financial MasterCard
  • $250,000 in Accidental Death and Dismemberment Insurance
  • Warranty Extension

Interest Rate
18.97%
Min. Limit
$500
Cash Advances
$500
Credit Required
Fair Credit