Best No Annual Fee Credit Cards in Canada - September 2026

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Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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Tangerine® Money-Back World Mastercard®*

Tangerine Cash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$120Total$120Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $120
Welcome offerAfter $1,500 in 3 months: $120 cash back; Ends Nov 30, 2026

Features
Issuer: Tangerine
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: $50,000+

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Rewards: Rate
Groceries: 2x
Gas & EV: 2x

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American Express® Green Card

Amex Amex Membership Rewards

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$170Total$170Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $170
Welcome offerAfter $1,000 in 3 months: 10,000 points

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on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer: Amex
Network
Loyalty Program: Amex Membership Rewards

Fees and terms
Annual Fee: $0
Min. annual income: —

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BMO eclipse rise Visa* Card

BMO BMO Rewards

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$168Total$168Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $168
Welcome offerAfter $1,500 in 3 months: Up to 25,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $0
Min. annual income: —

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Rewards: Rate
Bills & recurring payments: 2.5x
Groceries: 2.5x
Restaurants: 2.5x

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CIBC Dividend® Visa* Card

CIBC Cash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $100
Welcome offerAfter $2,000 in 4 months: Up to $100 cash back

Features
Issuer: CIBC
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: $15,000+

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Rewards: Rate
Groceries: 2x
Gas & EV: 1x
Restaurants: 1x
Transit: 1x
Bills & recurring payments: 1x

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RBC ION Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$210Total$210Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $210
Welcome offerAfter $500 in 3 months: Up to 14,000 points; Ends Nov 4, 2026

Features
Issuer: RBC
Network
Loyalty Program: RBC Avion Rewards - Premium

Fees and terms
Annual Fee: $0
Min. annual income: —

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Rewards: Rate
Gas & EV: 1.5x
Streaming: 1.5x
Groceries: 1.5x
Transit: 1.5x

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