No Annual Fee Cards
Many credit card companies offer basic cards that do not charge
annual fees. However, when deciding which one is the best fit for
you there are many factors to consider. The most important being
the interest rate they charge and what premiums you get from the
card.
|
- No annual fee
- Free additional cards
- 17.50% annual interest rate on purchases, cash advances
and balance transfers
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
17.5 % |
$0 |
Unknown |
No |
|
- $0 annual Fee
- Annual Interest rate of 5.99% on purchases and balance transfers
- Add Reward Miles or 1% Cash Back for an annual fee of only $99
- Not available to residents of QC, NT, NU, or YT.
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
5.99% |
$0 |
- |
No |
|
- No annual fee
- 19.99% current regular annual interest rate
- Free additional cards (limit 3)
- Credit limit: $500 minimum
- $15,000 minimum annual household income
- Exclusive new CIBC CreditSmartTM features to manage your
spending and protect you from fraud
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
19.99% |
$0 |
$15,000 |
No |
|
- No annual fee
- 19.5% current regular annual interest rate
- Credit limit: $5000 minimum
- Free additional cards (limit 3)
- $35,000 minimum annual household income
- Up to $50,000 credit limit
- Exclusive new CIBC CreditSmartTM features to manage your
spending and protect you from fraud
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
19.5% |
$0 |
$35,000 |
No |
|
- No annual fee for all Citi Bank Cards
- Worldwide Access to Cash
- Citi Price Protection
- 24 hour customer service
- Depending on the card you choose interest rates can vary
from 17.9%, 18.5%, or 19.90%
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
See Above |
$0 |
- |
Maybe |
|
- No annual Fee
- 19.4% interest rate, optional low interest rate of 11.8%
- sign up for Desjarins Bonusdollars for $20 annual fee
- free additional card
- discounts up to 10% at Hertz worldwide
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
19.4 % |
$0 |
- |
No |
|
- no annual Fee
- 19.9% variable interest rate, optional low interest rate
of 12.8%
- discounts up to 20% at Hertz worldwide
- 3-Day Travel Insurance
- Rewards program
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
19.9% |
$0 |
- |
Yes |
|
- No annual fee
- Credit limit of up to $50,000
- 19.5% current regular annual interest rate
- $1,000 ATM cash advance limit (up to available credit)
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
19.5% |
$0 |
- |
No |
|
- No annual fee
- 19.5% current regular annual interest rate
- Minimum Credit Limit $5000
- Scotia® VISA Cheques - free of charge
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
19.5% |
$0 |
- |
No |
|
- No annual fee
- 13.9% interest rate
- Minimum Credit Limit $1000
- Scotia® VISA Cheques - free of charge
- Up to 20% discount rates at Avis Car Rental
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
13.9% |
$0 |
- |
No |
|
- No annual Fee
- 19.75% current regular annual interest rate
- Free Co-Applicant card (up to 3)
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
19.75% |
$0 |
- |
No |
|
- No annual Fee
- 19.75% current regular annual interest rate
- Free Co-Applicant card (up to 3)
- Minimum credit limit $500
- Cash Advances Up to $500
- Credit Needed Fair Credit
|
Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Minimum Income |
Rewards |
N/A |
N/A |
19.75% |
$0 |
- |
No |
|