#1
MBNA True Line Mastercard
MBNA · 评分 5/5
Balance transfer and interest savings
开卡礼: 0% rate on balance transfers for 12 months (3% fee applies). Not available for residents of Quebec.
通过 FinlyWealth 可获得 +$50 额外返现
年费$0
购物利率12.99%
外币手续费2.5%
⚠ Disclaimer: We may earn a commission if you apply through the links on this page. Any results described are from our own personal experience — individual results vary, and card terms and rewards pricing change over time, so confirm current details with the issuer before applying.
加拿大无年费信用卡
免年费卡没有任何持有成本，这使其成为理想的首张卡，或是保护你信用记录的长期持有的卡。
前 3 项精选
#2
Students – BMO CashBack Mastercard
BMO · 评分 4.8/5
Highest cashback for students
开卡礼: 5% cash back for the first 3 months, up to $2,500 in spend
年费$0
购物利率21.99%
外币手续费2.5%
#3
Tangerine Money-Back World Mastercard
Tangerine · 评分 4.6/5
开卡礼: Get $120 with a Tangerine® Money-Back World Mastercard® and a limited time promo rate on balance transfers
通过 FinlyWealth 可获得 +$75 额外返现
年费$0
购物利率20.95%
外币手续费2.5%
全部 24 项对比
| 卡片 | 开卡礼 | 额外返现 | 年费 | 购物利率 | 预支现金 | 外币手续费 | |
|---|---|---|---|---|---|---|---|
| 0% rate on balance transfers for 12 months (3% fee applies). Not available for residents of Quebec. | +$50 返现 | $0 | 12.99% | 24.99% | 2.5% | 申请 → | |
| 5% cash back for the first 3 months, up to $2,500 in spend预计价值 $125 | — | $0 | 21.99% | 23.99% | 2.5% | 申请 → | |
| Get $120 with a Tangerine® Money-Back World Mastercard® and a limited time promo rate on balance transfers预计价值 $120 | +$75 返现 | $0 | 20.95% | 22.95% | 2.5% | 申请 → | |
 Tangerine | 10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 months预计价值 $100 | +$75 返现 | $0 | 20.95% | 22.95% | 2.5% | 申请 → |
 Simplii Financial | Double your cash back on Resturants, Bars and Coffee Shops in your first 3 months.预计价值 $40 | +$50 返现 | $0 | 20.99% | 22.99% | 2.5% | 申请 → |
 American Express | Up to $100 in Statement Credits预计价值 $100 | — | $0 | 21.99% | 21.99% | 2.5% | 申请 → |
 RBC | Get up to 7,000 Avion points - that's $50 of value in gift cards! Apply by January 12, 2027.预计价值 $70 | — | $0 | 20.99% | 22.99% | 2.5% | 申请 → |
 Scotiabank | Earn up to 10,000 bonus Scene+ points within your first 3 months + a 0.99% introductory interest rate on balance transfers for the first 9 months预计价值 $100 | +$50 返现 | $0 | 21.99% | 22.99% | 2.5% | 申请 → |
| Get up to 25,000 bonus points in your first anniversary!预计价值 $167 | +$50 返现 | $0 | 21.99% | 23.99% | 2.5% | 申请 → | |
 Neo Financial | — | +$50 返现 | $0 | 19.99% | 22.99% | 2.75% | 申请 → |
 Neo Financial | — | +$50 返现 | $0 | 19.99% | 22.99% | 2.75% | 申请 → |
 Neo Financial | — | +$50 返现 | $0 | 19.99% | 22.99% | 2.75% | 申请 → |
 Scotiabank | Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel).预计价值 $50 | +$50 返现 | $0 | 21.99% | 22.99% | 2.5% | 申请 → |
| 5% cash back for the first 3 months, up to $2,500 in spend预计价值 $125 | — | $0 | 21.99% | 23.99% | 2.5% | 申请 → | |
 Neo Financial | — | +$50 返现 | $0 | 19.99% | 22.99% | 3% | 申请 → |
 Scotiabank | Earn 5% Cash Back on all purchases for the first 3 months, plus get 0.99% introductory interest rate on balance transfers for the first 9 months预计价值 $100 | +$50 返现 | $0 | 19.99% | 22.99% | 2.5% | 申请 → |
| Get 20,000 Bonus Points, a 9-month 0.99% introductory interest rate on balance transfers with a 2% transfer fee, and earn rewards from over 400 brands.预计价值 $134 | — | $0 | 21.99% | 23.99% | 2.5% | 申请 → | |
 Vancity | — | — | $0 | 19.5% | — | 2.5% | 申请 → |
 American Express | Up to 10,000 Membership Rewards® points预计价值 $200 | — | $0 | 21.99% | 21.99% | 2.5% | 申请 → |
| Earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases.预计价值 $75.76 | — | $0 | 21.99% | 22.99% | 2.5% | 申请 → | |
| — | — | $0 | 21.99% | 22.99% | 2.5% | 申请 → | |
| — | — | $0 | 21.99% | — | 2.5% | 申请 → | |
 National Bank | — | — | $0 | 20.99% | 22.49% | 2.5% | 申请 → |
 National Bank | — | — | $0 | 20.99% | 22.49% | 2.5% | 申请 → |
优惠数据来自 FinlyWealth，更新于 2026-11-08。利率、费用和优惠经常变动，可能与发行方向你展示的内容有所不同 — 在申请前，请务必在发行方的网站上确认当前的条款。“额外返现”是在你通过我们的链接申请并获得批准时由 FinlyWealth 支付的；相关条件见 FinlyWealth 页面。排名采用 FinlyWealth 的评分，其次是开卡礼价值。crediteasy.ca 是独立的，不提供财务建议。