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.
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
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.
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.
AIR MILES Credit Cards
Get all the convenience and security of an American Express Card while earning AIR MILES® reward miles.
Any place can be your happy place with the remarkable benefits, rewards, and bonus offers available with our new American Express® Aeroplan®** Cards.*
Cash Back Credit Cards
Get all the convenience and security of an American Express Card while earning cash back on all your eligible purchases with the card.
No Annual Fee Credit Cards
Want a Credit Card that meets your needs without having to pay an annual fee?
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.
1. Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law.
2. This offer is only available to new SimplyCash™ Card from American Express Cardmembers. For current or former SimplyCash™ Card from American Express Cardmembers, we may approve your application, but you will not be eligible for the Welcome Rate of 2.5%. 2.5% cashback rate applies for the first 3 months of Card membership, up to a maximum of $6,000 in purchases (equal to $150 cashback). If the bonus earn rate of 2.5% applies to a purchase, the base earn rate will not also apply to the same purchase. Provided your account is in good standing, cashback can be earned on purchases less returns and other credits. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cashback rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cashback rewards deducted from your balance may be different from the amount originally earned. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cashback rewards. Cashback is applied as a credit to your account annually. All references to you means the Basic Cardmember.
3. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cash back calculation resets annually. There is no limit to the amount of cash back you can earn. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back rewards. All references to you means the Basic Cardmember.
4. This offer is only available to new Choice Card from American ExpressTM Cardmembers. For current or former Choice Card from American ExpressTM Cardmembers, we may approve your application, but you will not be eligible for the Welcome Bonus. Offer valid for applications received by American Express from February 3, 2021 to May 5. American Express reserves the right to accept applications after May 5 but you will not be eligible for this offer. To qualify for the Welcome Bonus you must have at least $1,250 in net purchases posted to your account in your first 3 months of Cardmembership. Account must be in good standing. Please allow up to eight weeks for the Welcome Bonus to be awarded. You may qualify to receive similar offers from us in the future subject to eligibility.
5. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: 1 point for every $1 in eligible purchases charged to your Card. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, fees, and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Points are not eligible for transfer to programs that offer airline and frequent flyer redemptions.
6. Use Points for Purchases – You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 Points per redemption. Redemption rates may vary by Eligible Card. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. You can register for online services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. Eligible Travel Purchases: 1,000 points=10 statement credit. All other eligible purchases: 1,000 points=$7 statement credit.
For full Membership Rewards Program Terms and Conditions, visit membershiprewards.ca or call 1-800-668-AMEX (2639). Small Business Cardmembers, please call 1-888-721-1046.
®,™: Used by Amex Bank of Canada under license from American Express
®*, TM* Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Amex Bank of Canada.
®**, TM**: For trademark ownership details see: americanexpress.ca/aeroplantrademarks