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American Express No Annual Fee Credit Cards

American Express No Annual Fee Credit Cards

An American Express® Credit Card with no annual fee offers both convenience and value. Find out if a no annual fee Credit Card is for you.

Why choose a No Annual Fee Credit Card?

No annual fee doesn't have to mean no benefits. In fact, our no annual fee Credit Cards have great benefits and rewards.

As a Cardmember you have access to advanced and reserved ticket access to as well as special offers to shows and events via American Express Invites®


Our No Annual Fee Credit Cards and Charge Cards

American Express Essential Credit Card

For the bigger things in life, choose something small.
  • No annual fee
  • Have the flexibility to pay your balance off in full or over time
  • Access to memorable experiences with American Express Invites®

Simply Cash Card from American Express

Earn 2.5% cashback on purchases in your first 3 months (up to $150 cashback)1
  • Earn 1.25% cash back on other purchases and when your Welcome Rate ends3
  • No limit to the amount of cash back you can earn
  • No annual fee

Blue Sky® Credit Card

Earn a Welcome Bonus of 10,000 Blue Sky® Points1
  • No annual fee
  • Earn 1.25 Blue Sky Points for every dollar in purchases2
  • Access to memorable experiences with American Express Invites®

Key benefits at a glance

24/7 Customer Service

Your life doesn’t keep regular office hours, so neither do we. If you want us, there is always someone to speak with you, 24/7, about whatever you need big or small. Wherever you are in the world.

Emergency Card Replacement

Lose your Card? Don't lose any sleep. If your Card is ever lost or stolen, we’ll arrange to get you a new one as soon as possible. If it happens in a remote location, arrangements can be made to have a Card waiting at a point along your way.

Fraud Protection Guarantee

Use an American Express No Annual Fee Credit Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN.

Manage your account online

With Online Services from American Express, you can stay on top of your account. Check statements, set account alerts and more while you’re on the go.



Before we can consider your application, please ensure you can say yes to the following:

  • You are a Canadian resident and have a Canadian credit file.
  • You are of the age of majority in the province or territory of the residence

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.

Once you have found the Card that suits you best, make sure you read the important information, then hit the 'Apply now' button to begin the application process. At this stage, you can decide how you'd like your name to appear on your Card, and choose optional additional benefits. You can get a response from your application in 60 seconds.


Travel Rewards Cards

Enjoy all the benefits, convenience and security of an American Express® Card – with the added bonus of earning points for travel when you use your Card.

Some of our Featured Cards

Credit Cards Explained

Has talk of interest, annual fees, rates and percentages left you feeling confused?
Our simple Credit and Charge Card Guides are a great place to start.

Discover our Credit Card Guide

Find a type of Card to suit your needs

Explore our range of Cards, you're bound to find something to suits your needs and lifestyle.


®: Used by Amex Bank of Canada under license from American Express