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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®1

Our No Annual Fee Credit Cards and Charge Cards

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®1
Earn 4% cashback on purchases in your first 6 months (up to $200 cashback)2
  • Earn 1.25% flat cash back rate when your Welcome Rate ends3
  • No limit to the amount of cash back you can earn
  • No annual fee


Earn 10,000 Membership Rewards® points4
  • Earn 1X the points for every $1 in eligible Card purchases5
  • Pay for almost anything charged to your Card with points6
  • Access to American Express® Experiences1


Key benefits at a glance



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 best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your card.

Explore our Types of Cards

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.

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.


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.