Best No Fee Cards
If your annual spending is low, then a card with an annual fee may not be the best for you. If the value of the rewards you get is lower than or is just barely more than the annual fee, it may be better to get a no fee card instead. Some no fee cards have travel rewards or cash back that, while not as lucrative as fee cards, will still give you a little bonus for spending your money without you having to do anything extra.
| Credit Card | Annual Reward Value | Signup Bonus | Annual Fee | Interest Rate | BT Rate | |
|---|---|---|---|---|---|---|
Scotia Momentum® Visa Infinite Card Best credit card |
$0 |
$0.00 |
$99.00 |
19.99% |
22.99% |
|
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SCENE® Visa Card Best credit card |
|
$23.00 |
$0.00 |
19.99% |
22.99% |
|
Scotia Momentum® Mastercard® Credit Card Sponsored |
|
$0.00 |
$0.00 |
7.99% |
22.99% |
|
Scotia Momentum® No-Fee Visa Card Sponsored |
|
$0.00 |
$0.00 |
7.99% |
22.99% |
|
Scotiabank Value® Visa Card Sponsored |
$0 |
$0.00 |
$29.00 |
12.99% |
0.99% |
|
Home Trust Low Rate Secured Visa Card Sponsored |
$0 |
$0.00 |
$59.00 |
14.90% |
None |
|
No-Fee Scotiabank Value® Visa Card Sponsored |
$0 |
$0.00 |
$0.00 |
16.99% |
3.99% |
|
Refresh Financial Secured Visa Sponsored |
$0 |
$0.00 |
$12.95 |
17.99% |
None |
|
Scotiabank® GM® Visa Card Sponsored |
|
$0.00 |
$0.00 |
17.99% |
17.99% |
|
Tangerine Money Back Credit Card Sponsored |
|
$0.00 |
$0.00 |
19.95% |
1.95% |
|
Home Trust No Fee Secured Visa Card Sponsored |
$0 |
$0.00 |
$0.00 |
19.99% |
None |
|
Home Trust Preferred Visa Card Sponsored |
|
$0.00 |
$0.00 |
19.99% |
None |
|
Scotiabank® American Express® Card Sponsored |
|
$50.00 |
$0.00 |
19.99% |
22.99% |
|
Scotiabank® American Express® Platinum Card Sponsored |
|
$300.00 |
$399.00 |
19.99% |
22.99% |
|
Scotiabank® GM® Visa Infinite Card Sponsored |
|
$0.00 |
$79.00 |
19.99% |
22.99% |
|
Scotiabank® Gold American Express® Card Sponsored |
|
$150.00 |
$99.00 |
19.99% |
22.99% |
|
Scotiabank L'earn Visa Card Sponsored |
$0 |
$0.00 |
$0.00 |
19.99% |
22.99% |
|
Scotia Momentum® Visa Card Sponsored |
|
$0.00 |
$39.00 |
19.99% |
2.99% |
|
Scotiabank® More Rewards® Visa Card Sponsored |
|
$60.00 |
$0.00 |
19.99% |
22.99% |
|
Scotiabank Passport™ Visa Infinite Card Sponsored |
|
$250.00 |
$139.00 |
19.99% |
22.99% |
