Apply Online for No Annual Fee Credit Cards in Canada

Q: Are there any additional costs with no annual fee credit cards?

Additional fees including cash advances, interest rate payments, over limit fees will still apply. Use our compare tool to discover the costs associated with each card.

Compare No Annual Fee Credit Cards

RBC no annual fee credit cards offer convenience, flexibility, and other valuable features. Explore RBC no annual fee credit cards and find your perfect fit.

Choosing the No Annual Fee Credit Card That Best Meets Your Needs

Understanding no annual fee

For no annual fee credit cards, the annual fee is $0. This means there’s no annual fees to pay upfront or worry about later. However, other fees like transaction fees, cash advance fees, including balance transfer fees, or interest charges may still apply.

Different types of credit cards

No annual fee credit cards come with different ways to earn. Points based rewards cards let you earn points that can be used on things like groceries, dining, gas, travel and more. Cash back cards let you earn a cash back credit for a percentage of the purchase.

Who are no annual fee credit cards best for

No annual fee credit cards are a great option for individuals who are new to credit cards, have limited spending, prefer to avoid ongoing fees, or don't require extensive rewards. These cards can help establish a credit history and offer rewards and other partner benefits.

Learn More About Our Rewards Programs

Many Ways to Redeem with Avion Rewards

RBC ION Visa and ION+ Visa credit cards are powered by the Avion Rewards™ program, which gives you the flexibility and freedom to redeem points on your terms.

From gift cards and merchandise from top brands like Apple and Best Buy, to paying down your credit card balance, saving for retirement and more, Avion Rewards lets you redeem points your way.

So go on, earn more and more and more.

Discover Avion Rewards

Earn Moi points faster with the moi RBC Visa card

Earn Moi points everywhere, on all your purchases and enjoy benefits and rewards on everything that's important to you with the moi RBC Visa card⁴.

Earn more points when you present your Moi card at participating stores². Increase your points balance with 100% personalized coupons, in-store offers and promotions, and when you pay with your moi RBC Visa card.

Redeem your points on all your everyday essentials at over 900 participating Metro, Super C, Brunet and Première Moisson stores in Quebec, and Jean Coutu stores in Quebec, Ontario and New Brunswick. You can reward yourself as soon as you earn 500 points ($4 value⁵).

Learn More about Moi

How to Apply for a No Annual Fee Credit Card

Find the Perfect Fit

Use our RBC Card Selector Tool to find the best no annual fee credit card for you.

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Compare Credit Cards

Compare different types of no annual fee credit cards.

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Apply Online Today

Once you find the right card, apply in five simple steps, and get a result in less than a minute.

FAQs

What does no annual fee mean?

Some credit cards charge you a fee every year just so you can use your card. No annual fee cards let you enjoy the benefits with no yearly fee, whereas annual fee cards can give you access to more benefits.

How do no annual fee credit cards work?

Enjoy all the benefits of your card with no annual fee. It's important to note that other fees, including on cash advances, late payments and interest charges will still apply.

Are there any additional costs with no annual fee credit cards?

Yes, additional fees including cash advance fee, interest, over limit fees will still apply. Use our compare tool to discover the costs associated with each card.