No Annual Fee Credit Cards

We offer a wide range of benefits including a long list of credit cards that require no Annual Fee.

Take advantage of welcome offers that could feature bonus points, loyalty dollars, or cash back.
Our No Annual Fee credit cards are equipped with security features.

Earn rewards with No Annual fee credit cards that help you collect points on eligible purchases.
Take advantage of Apple Pay for a safe, quick and convenient way to pay with an MBNA card.

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MBNA Rewards Platinum Plus® Mastercard®

Welcome offer: Earn up to 10,000 bonus MBNA Rewards Points^†† for cash back, gift cards and more. Conditions Apply.

$0
Annual Fee^□

20.99%

Interest: Purchases

20.99%

Interest: Balance Transfers

20.99%

Interest: Cash Advances

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MBNA Smart Cash Platinum Plus® Mastercard®

Welcome offer: Earn 5% Cash Back on gas and groceries for the first 6 months^†† (up to $150 in Cash Back)

$0 Annual Fee^□

20.99%

Interest: Purchases

20.99%

Interest: Balance Transfers

20.99%

Interest: Cash Advances

View details

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Amazon.ca Rewards Mastercard

Welcome Offer:

Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants^††.

$0 Annual Fee^□

19.99%

Interest: Purchases

20.99%

Interest: Balance Transfers

20.99%

Interest: Cash Advances

View details

Apply Now

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Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	10.99%	$0.90	$1.81	$9.03
Balance Transfers and Access Cheques	10.99%	$0.90	$1.81	$9.03
Cash Advances	22.99%	$1.89	$3.78	$18.90
Purchases – Default rate	19.99%	$1.64	$3.29	$16.43
Balance Transfers and Access Cheques – Default rate	21.99%	$1.81	$3.61	$18.07
Cash Advance – Default rate	24.99%	$2.05	$4.11	$20.54

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Balance Transfers and Access Cheques	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	25.99%	$2.14	$4.27	$21.36
Balance Transfers and Access Cheques – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Balance Transfers and Access Cheques	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	25.99%	$2.14	$4.27	$21.36
Balance Transfers and Access Cheques – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Balance Transfers and Access Cheques	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	25.99%	$2.14	$4.27	$21.36
Balance Transfers and Access Cheques – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Balance Transfers and Access Cheques	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	25.99%	$2.14	$4.27	$21.36
Balance Transfers and Access Cheques – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

No Annual Fee Credit Cards

MBNA Rewards Platinum Plus® Mastercard®

MBNA Smart Cash Platinum Plus® Mastercard®

Amazon.ca Rewards Mastercard

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