Capital · Credit Cards
No Annual Fee,
And Six Different Jobs.
Six cards on this site charge nothing a year, and none of them is a substitute for another. One is a US dollar card, one is a low interest card, one is a first card, one is a flat rate points card, one picks its own two percent categories, and one is for a business. Every figure is off the issuer, read 6 September 2026.
Six cards published on this site charge no annual fee: the Rogers Red World Elite, the MBNA True Line, the CIBC Aeroplan Visa for Students, the American Express Green Card, the Tangerine Money-Back World Mastercard and the TD Business Select Rate Visa. None charges for additional cards either. Not advice.
6 Cards, Side By Side
Sorted by annual fee, cheapest first. Every figure is off the issuer, and every card name links to its own page.
| Card | Annual Fee | Purchases | Cash Advance | Foreign Fee | Income Test | The Headline Rate | The Cap |
|---|---|---|---|---|---|---|---|
| Rogers Red World Elite | $0 | 20.99% and 21.99%, both published | 22.99% | 2.5% | $80,000 personal or $150,000 household | 3% on US dollars, 2% with a Rogers service | $61,000 a year |
| MBNA True Line | $0 | 12.99% | 24.99% | Not published for this card | None published | No rewards at all | Not applicable |
| CIBC Aeroplan Visa for Students | $0 | 21.99% | 22.99% | 2.5%, CIBC’s general rate | None | 1x on gas, groceries and Air Canada | A $40,000 cap is stated in a disputed footnote |
| American Express Green Card | $0 | Not published by American Express | Not published | Not published by American Express | Not published | 1x on everything, no categories | None stated |
| Tangerine Money-Back World Mastercard | $0 | 20.95%, and 19.95% on one Tangerine page | 22.95% | 2.50% | $50,000 personal or $80,000 household | 2% in two categories, three with a savings account | None |
| TD Business Select Rate Visa | $0, or $49 for a lower rate | 11.99%, or 8.99% with the $49 fee | Same as purchases, on both options | Not in this card’s own disclosure | Not published | No rewards at all | Not applicable |
The Pages Behind The Table
Rogers Red World Elite
$0 a year. 3% on US dollars, 2% with a Rogers service. Cap: $61,000 a year.
MBNA True Line
$0 a year. No rewards at all. Cap: not applicable.
CIBC Aeroplan Visa for Students
$0 a year. 1x on gas, groceries and Air Canada. Cap: a $40,000 cap is stated in a disputed footnote.
American Express Green Card
$0 a year. 1x on everything, no categories. Cap: none stated.
Tangerine Money-Back World Mastercard
$0 a year. 2% in two categories, three with a savings account. Cap: none.
TD Business Select Rate Visa
$0, or $49 for a lower rate a year. No rewards at all. Cap: not applicable.
A no fee card you never use costs nothing and earns nothing. That is the first of the four rules on the card stack page, and it is why this list names what each card is actually for rather than ranking them.
The Other Card Lists
Same standard on every one of them. Every figure off the issuer, every card linked to its own page.
Compare All Sixteen
Every card on this site, every published figure, side by side.
Cash Back
The 4 cards on this site that fit, ordered by annual fee.
Travel And Points
The 10 cards on this site that fit, ordered by annual fee.
Low Interest
The 3 cards on this site that fit, ordered by annual fee.
Business Cards
The 2 cards on this site that fit, ordered by annual fee.
Foreign Fees
The 3 cards on this site that fit, ordered by annual fee.
Common Questions
6 cards, every one of which has its own page on this site carrying the issuer wording behind each figure.
By annual fee, cheapest first. This is not a ranking. Ranking would require weighing the cards against a spending pattern, and this site does not have yours.
Each card’s own issuer page in Canada, read on 6 September 2026. No figure on any of these pages comes from a comparison site.
Probably. This list covers the cards written up on this site, each read off its issuer. A card with no page here is a card whose figures have not been read yet, not a card that failed a test.
A List Is Not
A Recommendation.
These are the cards on this site that meet the description, ordered by annual fee. Nothing here is advice.
Not financial advice.