FinviloNational Bank of Canada
Allure® Mastercard®
A no-annual-fee card that earns cash back and supports the Quebec Breast Cancer Foundation.
- Annual fee
- No annual fee
Best no-fee cash back credit cards in Canada: how to choose
Pick the no-fee cash back card whose bonus categories match your biggest spending, and only if you pay the balance in full. Carrying a balance at a typical card rate wipes out the cash back.
What to compare
- Earn rate on your top two spending categories
- Caps on bonus earning
- How and when cash back is paid
- Purchase interest rate
- Income or credit requirements
Who should look elsewhere: If you regularly carry a balance, compare low-interest cards instead.
Options we list (15)
Listed alphabetically, not ranked. Placement is not affected by compensation. Confirm current terms with each provider.
BMO
BMO CashBack® Mastercard®*
A no-annual-fee card with cash back on purchases, including higher rates for groceries and recurring bill payments.
- Earn rate
- 3% cash back
Desjardins
Bonus Visa
A personal credit card with BONUSDOLLARS rewards on eligible purchases.
- Annual fee
- None
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% of your purchases in BONUSDOLLARS
Desjardins
Cash Back Mastercard
A personal credit card with cash-back rewards on eligible purchases.
- Annual fee
- None
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% on your purchases
Desjardins
Cash Back Visa
A personal credit card with cash-back rewards on eligible purchases.
- Annual fee
- None
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% on your purchases
Desjardins
Flexi Visa
A personal credit card with a lower purchase interest rate and no annual fee.
- Annual fee
- None
- Purchase interest rate
- 10.9%
- Cash advance rate
- 12.9%
National Bank of Canada
MC1® Mastercard®
A card for daily purchases and credit building with purchase protection and extended warranty coverage.
- Minimum income
- No minimum annual income is required
National Bank of Canada
mycredit™ Mastercard®
A no-annual-fee cash back card with mobile device protection, purchase protection and extended warranty coverage.
- Earn rate
- Up to 1% cashback
RBC Royal Bank
RBC Cash Back Mastercard
A cash back card with no annual fee and different earning rates for groceries, transportation and other purchases.
- Annual fee
- $0
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
RBC Royal Bank
RBC ION Visa
A no-annual-fee card that earns Avion points on eligible everyday purchases.
- Annual fee
- $0
- Purchase interest rate
- 20.99%
- Cash advance rate
- 22.99%
Scotiabank
Scotiabank Scene+ Visa Card
A no-annual-fee Scene+ card with enhanced earning at participating retailers.
- Annual fee
- $0
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
Simplii Financial
Simplii Financial™ Cash Back Visa* Card
A no-annual-fee cash-back card with category-based rewards, including eligible restaurant and bar purchases.
- Annual fee
- There is no annual fee for the Primary Cardholder or any Authorized User.
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
Tangerine
Tangerine® Money Back Credit Card
A cash-back card with selectable bonus categories and no annual fee.
- Annual fee
- $0
- Purchase interest rate
- 20.95%
- Cash advance rate
- 22.95%
- Minimum income
- $12,000 personal income
Tangerine
Tangerine® Money Back World Mastercard®*
A cash-back card with selectable bonus categories, rental car coverage and mobile device insurance.
- Annual fee
- $0
- Purchase interest rate
- 20.95%
- Cash advance rate
- 22.95%
- Minimum income
- $50,000/year personal income or $80,000/year household income or a minimum of $250,000 assets under management
TD Canada Trust
TD Cash Back Visa* Card
A no-annual-fee card that earns Cash Back Dollars redeemable towards the account balance.
- Annual fee
- $0
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
Side-by-side comparisons
General information, not personalized financial advice.