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What is a No Annual Fee Credit Card?
A no annual fee credit card offers the convenience and flexibility of a credit card without the yearly cost—an ideal option if you want to build your credit history without paying an extra fee. Many no annual fee cards still offer perks like purchase protection, extended warranty coverage or a rewards program for eligible purchases. Used wisely and paid on time, no yearly fee credit cards are an affordable way to keep your credit active and manage expenses.
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.
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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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Once you find the right card, apply in five simple steps, and get a result in less than a minute.
Find the Right No Annual Fee Credit Card for You
| RBC ION Visa | RBC Cash Back Mastercard | More Rewards RBC Visa | More Rewards RBC Visa Infinite | moi RBC Visa | RBC Visa Platinum | |
|---|---|---|---|---|---|---|
| Best For | Earning Avion points on everyday essentials with no annual fee. | Earning unlimited cash back2 on all purchases1 with no annual fee. | Earning More Rewards points2 on groceries, gift cards, experiences, travel, and more. | Earning More Rewards points2 on groceries, gift cards, experiences, travel, and more. | Earning Moi points on groceries, dining, gas and more. | No annual fee card with insurance benefits. |
| Welcome Offer | Get up to 11,000 Avion points^ - that's up to $75 of value in gift cards†! Apply by May 6, 2026. | Get Unlimited Cash Back on Your Purchases2 with our no annual fee Cash Back credit card | Enjoy up to 20,000 bonus More Rewards points. That’s a value of $30 in groceries!1 | Enjoy up to 20,000 bonus More Rewards points. That’s a value of $30 in groceries!1 | Get up to 5,000 bonus Moi points1 – that’s a value of $40. Apply by January 20, 2027. | N/A |
| Annual Fee | $0 | $0 | $0 | $0 | $0 | $0 |
| Rewards | Earn 1.5X Avion points for every $1 spent on groceries, gas, streaming services and more.1 Earn 1X Avion point for every $1 spent on all other qualifying purchases1 |
Earn up to 2% cash back on grocery store purchases1 Earn up to 1% cash back on all other qualifying purchases1 |
Earn 5 More Rewards points for every $1 spent at over 700 partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, and more.3 Earn 5 More Rewards points for every $1 you spend on gas, EV charging, and dining.4 Earn 3 More Rewards points for every $1 you spend on every other purchase you make everywhere you shop.5 |
Earn 8 More Rewards points for every $1 at over 700 partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, and more.3 Earn 8 More Rewards points for every $1 you spend on gas, EV charging, and dining.4 Earn 4 More Rewards points for every $1 you spend on every other purchase you make everywhere you shop.5 |
Earn 2X Moi points for every $1 spent on participating groceries, beauty, restaurants, dining, gas and EV charging2, 3 Earn 1X Moi point for every $1 spent on all other purchases4 |
Access offers from over 2,000 top brands, plus get even more points and savings from our partners such as Petro-Canada, Rexall and DoorDash. |
| Additional Card | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Requirement | N/A | N/A | N/A | Personal: $60,000 or Household: $100,000 | N/A | N/A |
| Purchase Rate | 20.99% | 20.99% | 20.99% | 20.99% | 20.99% | 20.99% |
| Cash Advance Rate | 22.99%* | 22.99%* | 22.99%* | 22.99%* | 22.99%* | 22.99%* |
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