Credit Cards

Best No Annual Fee Credit Cards in Canada for 2022

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I’ll be frank: I’ve never thought that Canada’s best no annual fee credit cards get the respect and attention they deserve.

They tend to be outshined by their premium counterparts. You know which cards I mean: those that, for the privilege of paying an annual fee of $120 (or more), give cardholders a big welcome bonus or perks like comprehensive insurance packages or airport lounge access.

I’m not saying that those costly cards aren’t worth the price (they often are). I just think that there’s a lot to be said for no annual fee credit card cards in Canada that deliver nice perks without the hefty price tag.

While the best no-fee credit cards haven’t got the bells and whistles of premium plastic, many pack an impressive amount of punch underneath their no-frills exterior.

But what is the best no-fee credit card in Canada? The answer depends on what you’re looking for, but here’s a list of the best no-fee credit cards in Canada.

Best No Fee Credit Cards in Canada

Best For Cash Back

Tangerine Money-Back Credit Card

Tangerine Credit Cards logo

Apply for a Tangerine Money-Back Credit Card by October 31st, 2022 and earn an extra 15% back* (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.

    The Tangerine Money-Back Credit Card is one that I proudly have in my wallet. There are few no-fee cards that can compete with its outstanding cash back: Earn 2% Money-Back Rewards on your purchases in up to 3 categories of your choice, and 0.50% Money-Back Rewards on all other purchases. Receive that third 2% category if you deposit the cash reward you accrue from your credit card into a Tangerine Savings account (not a tough requirement given what good rates and low/no fees Tangerine accounts offer compared to Canada’s five big banks).

    This is an excellent offer, especially since the 2% cash back is not a promotional offer but rather the standard earn amount—such generosity is rare for a no-fee card.

    Another bonus: Special 15% cash back rate* on the first $1,000 spent with the card ($150 cash back) in the first two months, apply by October 31, 2022.

    What solidifies Tangerine’s place among the best no annual fee credit cards in Canada is that cardholders get to pick what two or three categories they want to earn 2%. You can pick popular purchases like gas or groceries or more niche ones like parking or home improvement stores.

    No other card (be it basic or premium) offers such flexibility.

    As another plus, there is no cap whatsoever on how much you can earn in cash back and you can even switch categories should your spending habits change.

    The card is also full of additional perks like a low balance transfer interest rate of only 1.95% interest for the first 6 months (1%* transfer fee applies), as well as purchase assurance and extended warranty.

    The Details:

    • Annual Fee: $0
    • Minimum Income Eligibility: $12,000
    • Credit Score Required: Fair;Good
    • Additional Benefits: Automatic, monthly reimbursement to your credit card balance or savings account; unlimited cash back
    • Other Card Info: Purchase APR: 19.95% | Cash Advance APR: 19.95%
    • Welcome offer: Special 15% cash back rate* on the first $1,000 spent with the card ($150 cash back) in the first two months, apply by October 31, 2022.

    *Terms and conditions apply


    BMO CashBack® Mastercard®*

    BMO Credit Cards logo

    Get 5% cash back in your first 3 months* and a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*.

      If your spending doesn’t really fall into a few set categories but you want a no-fee credit card with big money back rewards, check out the no-fee BMO CashBack® Mastercard®*.

      Now earn the highest cash back on groceries in Canada without paying an annual fee!†

      After the Welcome Offer ends get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases.*

      Another nice feature is that new cardholders can transfer balances from their other credit cards to the BMO CashBack® Mastercard®* and enjoy an introductory interest rate of a very attractive 0.99% for the first 9 months*. There is a 2%* fee for balance transfers, but that’s pretty standard.

      Cardholders will also enjoy rental car benefits, purchase protection and extended warranty*.

      The Details:

      • Annual Fee: $0
      • Income Eligibility: Minimum $15,000 (individual)
      • Credit Score Required: Good
      • Welcome Offer: Get 5% cash back on purchases in your first 3 months*. Plus, 0.99% introductory interest rate on Balance Transfers for 9 months (with a 2%* transfer fee).
      • Additional Benefits: Car rental discounts*, purchase protection and extended warranty*
      • Other Card Info: Purchase APR: 20.99% | Cash Advance APR: 22.99% (21.99% for Quebec residents)

      *Terms and conditions apply.

      BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

      †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of June 1, 2022.


      SimplyCash™ Card from American Express

      American Express Canada Credit Cards logo

      New SimplyCash™ Card from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership. Terms and conditions apply.

        The SimplyCash™ Card from American Express is an excellent no annual fee cash rewards credit card for anyone who wants to earn cash back in a simple and straightforward (but competitive) way. New SimplyCash™ Card from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership. Terms and conditions apply. After the Welcome Offer ends earn 1.25% cash back after that on all purchases charged to your credit card with no limit.

        Finally, when you book travel or make purchases with the SimplyCash™ Card from American Express, your spending is protected by travel and shopping insurance coverage. You’ll be covered by travel accident insurance, buyer’s assurance, and purchase protection.

        The Details:

        • Annual Fee: $0
        • Minimum Income Eligibility: None
        • Credit Score Required: Fair;Good
        • Welcome Bonus: New SimplyCash™ Card from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership. Terms and conditions apply.
        • Additional Benefits: Travel insurance, purchase protection, American Express Invites, refer a friend incentive
        • Other Card Info: Purchase APR: 19.99% | Cash Advance APR: 21.99%

        CIBC Dividend® Visa* Card

        CIBC Credit Cards logo

        Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back)†

          You can’t go wrong adding the CIBC Dividend® Visa* Card to your wallet. Not only does it have no annual fee, but you’ll earn cash back on purchases charged to the card. How it works: After the Welcome Offer ends, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more; 1% cash back on eligible gas, transportation, dining purchases and recurring payments†; and 0.5% cash back on all other purchases†. You can get your cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†.

          Additionally, the card offers a solid Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back)† Plus, there’s no limit on the total cash back you can earn.† This card also comes with travel accident insurance and shopping coverage.†

          The Details:

          • Annual Fee: $0
          • Purchase Annual Interest Rate: 20.99%†
          • Balance Transfer Annual Interest Rate: 22.99%† (21.99% QC only)
          • Cash Advance Annual Interest Rate: 22.99%† (21.99% QC only)
          • Minimum Income Eligibility: $15,000 household†
          • Credit Score Required: Good
          • Welcome offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back)†
          • Additional Benefits: Earn cash back on card purchases, includes travel insurance, includes shopping protection†

          This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

          †Conditions apply 

          Quebec Residents – Learn More about this CIBC product here.

          Résidents du Québec – Pour en savoir plus sur ce produit CIBC, suivez ce lien.


          The RBC Cash Back Mastercard

          Royal Bank of Canada logo

          Earn 2% cash back on all your grocery store purchases (up to $6,000/year) and receive 1% unlimited cash back on grocery spend over $6,000/year. All other card purchases will fetch you 0.5% cash back, up to $6,000 annually. After that, you’ll start racking up to 1% unlimited cash back on all your card purchases in excess of $6,000 per an annual period.

            If you think getting access to a decent cash back rate means you need to pay a premium, you’ll be pleasantly surprised to find out you’re mistaken. The RBC Cash Back Mastercard offers many opportunities to collect cash back. Earn 2% cash back on all your grocery store purchases (up to $6,000/year) and receive 1% unlimited cash back on grocery spend over $6,000/year. All other card purchases will fetch you 0.5% cash back, up to $6,000 annually. After that, you’ll start racking up to 1% unlimited cash back on all your card purchases in excess of $6,000 per an annual period.

            On top of that, you’ll get an automatic saving of 3¢ per litre at Petro Canada and earn a 20% bonus in Petro Points when you link your card. And don’t forget the 90-day purchase security and extended warranty protection (up to one year longer) that comes with your purchases when you use this cash rewards credit card.

            The Details

            • Annual Fee: $0
            • Minimum Income Eligibility: N/A
            • Credit Score Required: Good
            • Rewards: Earn 2% cash back on all your grocery store purchases (up to $6,000/year) and receive 1% unlimited cash back on grocery spend over $6,000/year. All other card purchases will fetch you 0.5% cash back, up to $6,000 annually. After that, you’ll start racking up to 1% unlimited cash back on all your card purchases in excess of $6,000 per an annual period.
            • Additional Perks: Purchase security and extended warranty protection, savings of 3¢ per litre on fuel at Petro Canada, and 20% more Petro Points when you link your RBC card
            • Purchase APR: 19.99% | Cash Advance APR: 22.99%

            Refer to RBC Page for up to date offer terms and conditions.


            Best Low-Interest Rate No Annual Fee Credit Cards

            MBNA True Line® Mastercard® Credit Card

            MBNA Credit Cards logo

            You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening. 3% Balance Transfer fee applies. Any balance transfers made after the promotional period will be subject to the standard 12.99% rate.

              Another no-fee credit card offering an excellent interest rate is the MBNA True Line® Mastercard® Credit Card. The annual interest rate on purchases is 12.99% —which is attractive if you tend to carry a balance. As a special offer, you could get a 0% promotional annual interest rate (“AIR”)† for 12 months† on balance transfers completed within 90 days of account opening.* Adding this card to your wallet could save you oodles in interest charges. But watch out for the interest rate on cash advances – it’s a whopping 24.99%.

              The Details

              • Annual Fee: $0
              • Minimum Income Eligibility: No Income Requirement.
              • Credit Score Required: Fair;Good
              • Welcome Offer: 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening.
              • Additional Perks: Low annual interest rate
              • Interest on Purchases: 12.99%| Interest on Cash Advances: 24.99% | Interest on Balance Transfers & Access Cheques: 12.99%✪

              †, ✪, Terms and Conditions apply.

              This offer is not available for residents of Quebec. 

              Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

              The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.


              Best For Flexible Rewards

              MBNA Rewards Platinum Plus® Mastercard®

              MBNA Credit Cards logo

              Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days (until $10,000 is spent annually in the applicable category). Plus, get up to 10,000 MBNA Rewards points as an introductory bonus: 5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening and 5,000 bonus points†† ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.

                Thought platinum cards were only for consumers who were willing to pay an annual fee? No way. A plethora of rewards points is what makes the MBNA Rewards Platinum Plus® Mastercard® rank among the best no annual fee credit cards in Canada.

                After the Welcome Bonus ends earn 2 points‡ for every $1 spent on eligible purchases on eligible restaurant, grocery, digital media, membership and household utility purchases – these earn rates apply until $10,000 is spent annually in the applicable category. 1 point‡ for every $1 spent on all other eligible purchases. Those categories represent common expenditures for most Canadian consumers that often make up the lion’s share of monthly spending. Points can be redeemed for an array of items like cash-back, brand-name merchandise and more.

                Right now, there’s an appealing welcome bonus for new cardholders. Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days and up to 10,000 bonus points††. Terms and conditions apply.

                With no annual fee, there’s really no reason to not sign up!

                The Details

                • Annual Fee: $0
                • Income Eligibility: N/A
                • Credit Score Required: Fair;Good
                • Welcome Bonus: Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days and up to 10,000 bonus points††. Terms and conditions apply.
                • Interest Rate on Purchases: 19.99% | Interest on Cash Advances: 24.99% | Interest on Balance Transfers & Access Cheques: 22.99%✪

                ‡, ††, ✪, ***, Terms and Conditions apply.

                This offer is not available for residents of Quebec. For residents of Quebec, please click here.

                Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

                The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.


                The American Express® Green Card

                American Express Credit Cards CA logo

                As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. That’s $100 towards groceries or concert tickets. Terms and conditions apply.

                  Rack up the rewards on every credit card purchase with the American Express® Green Card. You may have already been collecting Membership Rewards® points, or you may be new to the program, but either way, the welcome offer means your tally grows by 10,000 Membership Rewards® points after you spend $1,000 on your card in the first three months. After the welcome period ends, you can continue to rack up rewards with the card’s standard earn rate. Earn 1 Membership Rewards® point for every $1 spent on eligible everyday purchases.

                  When it comes time to redeem you have a few options. You can redeem your points toward eligible everyday card purchases such as groceries and streaming services, plus travel and more. You can visit Membershiprewards.ca and redeem your points for gift cards and merchandise, or even use them towards eligible Amazon.ca purchases. And last, but not least, you can spend your points on new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program.

                  The Details:

                  • Annual Fee: $0
                  • Minimum Income Eligibility: N/A
                  • Credit Score Required: N/A
                  • Welcome Bonus: 10,000 Membership Rewards® points
                  • Additional Perks: Exclusive entertainment access, earn reward points on every card purchase
                  • Purchase APR: 20.99% | Cash Advance APR: 21.99%

                  Best No Foreign Transaction Fees with No Annual Fee Credit Cards

                  Home Trust Preferred Visa

                  Home Trust Credit Cards logo

                  Earn 1% cash back on every eligible purchase you make with no cap on your annual cash back earnings.

                    For a good all-around no-fee card, check out the Home Trust Preferred Visa. It offers a suite of practical benefits and perks. If you are spending a lot on online purchases, you may be spending money in shops outside of Canada. This card will save you the 2.5% foreign exchange fee that so many cards charge on top of foreign currency purchases. For all card purchases made within Canada, you also get cash back rewards! Earn 1% cash back on every eligible purchase you make with no cap on your annual cash back earnings. While it isn’t the most competitive earn rate, it’s the icing on the cake when you consider the other fees that you’re saving on. And it’s always nice to see some cash coming back to you as you spend. The purchase security and rental car coverage are fairly standard, but still a great benefit as well.

                    The Details

                    • Annual Fee: $0
                    • Income Eligibility: N/A
                    • Credit Score Required: Fair;Good
                    • Welcome Bonus: N/A
                    • Interest Rate on Purchases: 19.99% | Interest on Cash Advances: 19.99%

                    This credit card product is not available in Quebec.


                    Best For Travel

                    Best Western Mastercard® Credit Card

                    MBNA Credit Cards logo

                    Earn 20,000 Best Western Rewards® points†† with your first eligible purchase - enough for a night’s stay!

                      For a no annual fee travel credit card that will get you free hotel stays, check out the Best Western Mastercard® Credit Card. For starters, new cardholders will receive a welcome bonus of 20,000 Best Western Rewards® points after their first eligible purchase††. Depending on the property, redemption for hotel stays requires anywhere between 8,000 to 36,000 points per night – so that welcome bonus easily gives you one night free at a selection of Best Western hotels.

                      After the welcome offer bonus, there are many other ways to obtain reward points. Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡ and 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡. Plus, you’ll automatically earn Gold Elite Status after your first eligible purchase, with the chance to be upgraded to Diamond Status if you spend $10,000 on your card◊◊. Points can be redeemed for hotel stays, dining cards, gift cards and more – the choice is yours! With 100 Best Western Hotels around the world, this is a great card for travellers to have in their wallets.

                      The Details

                      • Annual Fee: $0
                      • Income Eligibility: None
                      • Credit Score Required: Fair;Good
                      • Welcome Bonus: 20,000 Best Western Rewards® points
                      • Other Card Details: Annual Interest Rate on Purchases (“AIR”): 19.99% | Interest on Cash Advances: 22.99% | Interest on Balance Transfers & Access Cheques: 22.99%✪

                      ✪, ‡, ††, Terms and Conditions apply.

                      This offer is not available for residents of Quebec. For residents of Quebec, please click here.

                      Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

                      The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank. Each Best Western® branded hotel is independently owned and operated. Best Western and the Best Western marks are service marks or registered service marks of Best Western International, Inc.


                      Best For Business

                      BMO® AIR MILES®† No-Fee Business® Mastercard®*

                      BMO Credit Cards CA logo

                      Get 1,000 AIR MILES Bonus Miles – that’s enough for over $100 towards your purchases with AIR MILES Cash!*

                        If you are looking for a great no annual fee business card that will allow you to collect AIR MILES, then take a look at the BMO® AIR MILES®† No-Fee Business® Mastercard®*. Earn 1 AIR MILES Reward Mile on every $20 you spend*. Plus, get 1.25X the Miles for every $20 you spend at participating Shell stations*. While the earn rate leaves a lot to be desired, it is one of the only $0 annual fee travel credit cards on the market that allows cardholders to collect AIR MILES. Plus, new cardholders can cash in with the current welcome offer: Get 1,000 AIR MILES Bonus Miles – that’s enough for over $100 towards your purchases with AIR MILES Cash!* Not too shabby!

                        The Details

                        • Annual Fee: $0
                        • Income Eligibility: N/A
                        • Credit Score: N/A
                        • Welcome Bonus: Get 1,000 AIR MILES Bonus Miles – that’s enough for over $100 towards your purchases with AIR MILES Cash!*
                        • Purchase APR: 19.99% | Cash Advance APR: 22.99%

                        *Terms and conditions apply.


                        BMO CashBack® Business Mastercard®*

                        BMO Credit Cards CA logo

                        Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months (up to a maximum of $150 cash back)*.

                          The BMO CashBack® Business Mastercard®* allows you to cash back on business expenses without paying an annual fee. Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*, 1.75% cash back at Shell®*, and 0.75% cash back on all other card purchases*

                          The welcome offer is also highly competitive: Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months*. Other benefits include optional employee cards protected by a Liability Waiver Program, as well as purchase protection and extended warranties.

                          The Details

                          • Annual Fee: $0
                          • Income Eligibility: N/A
                          • Credit Score Required: N/A
                          • Welcome Offer: Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months*.
                          • Additional Benefits: Cash back on all purchases, purchase protection and extended warranty, incredibly flexible redemption options
                          • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%

                          Comparing the Best No Fee Credit Cards in Canada

                          Credit CardWelcome OfferStand Out Feature
                          Tangerine Money-Back Credit CardSpecial 15% cash back rate* on the first $1,000 spent with the card ($150 cash back) in the first two months, apply by October 31, 2022.Earn 2% Money-Back Rewards on your purchases in up to 3 categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
                          BMO CashBack® Mastercard®*Get 5% cash back on purchases in your first 3 months*.
                          +
                          0.99% introductory interest rate on Balance Transfers for 9 months (with a 2%* transfer fee).
                          After the Welcome Offer ends get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases.*
                          SimplyCash™ Card from American ExpressNew SimplyCash™ Card from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership. Terms and conditions apply.After the Welcome Offer ends earn 1.25% cash back after that on all purchases charged to your credit card with no limit.
                          CIBC Dividend® Visa* CardGet 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back)†After the Welcome Offer ends, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more; 1% cash back on eligible gas, transportation, dining purchases and recurring payments†; and 0.5% cash back on all other purchases†.
                          RBC Cash Back MastercardNoneEarn 2% cash back on all your grocery store purchases (up to $6,000/year) and receive 1% unlimited cash back on grocery spend over $6,000/year. All other card purchases will fetch you 0.5% cash back, up to $6,000 annually. After that, you’ll start racking up to 1% unlimited cash back on all your card purchases in excess of $6,000 per an annual period.
                          MBNA Rewards Platinum Plus® Mastercard®Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days and up to 10,000 bonus points††. Terms and conditions apply.After the Welcome Bonus ends earn 2 points‡ for every $1 spent on eligible purchases on eligible restaurant, grocery, digital media, membership and household utility purchases – these earn rates apply until $10,000 is spent annually in the applicable category. 1 point‡ for every $1 spent on all other eligible purchases.
                          American Express® Green CardWelcome Offer: 10,000 Bonus Membership Rewards® pointsEarn 1 Membership Rewards® point for every $1 spent on eligible everyday purchases.
                          Home Trust Preferred VisaNoneEarn 1% cash back on every eligible purchase you make with no cap on your annual cash back earnings.
                          MBNA True Line® Mastercard® Credit Card0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening.Low-interest rates:
                          Purchase APR: 12.99%
                          Balance Transfer APR: 12.99%✪
                          Best Western Mastercard® Credit Card20,000 Best Western Rewards® pointsEarn 1 Best Western Rewards® point for every $1 in eligible purchases‡ and 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡.
                          BMO® AIR MILES®† No-Fee Business® Mastercard®*Get 1,000 AIR MILES Bonus Miles – that’s enough for over $100 towards your purchases with AIR MILES Cash!*Earn 1 AIR MILES Reward Mile on every $20 you spend*. Plus, get 1.25X the Miles for every $20 you spend at participating Shell stations*.
                          BMO CashBack® Business Mastercard®*Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months*.Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*, 1.75% cash back at Shell®*, and 0.75% cash back on all other card purchases*

                          † Conditions apply

                          This post was not sponsored. The views and opinions expressed in this review are purely my own.

                          American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

                          The Best Credit Cards by Category:

                          Sandra MacGregor

                          Sandra MacGregor

                          Sandra MacGregor has been writing about finance and travel for nearly a decade. Her work has appeared in a variety of publications like the New York Times, the UK Telegraph, the Washington Post, Forbes.com and the Toronto Star. She spends her free time travelling, and has lived around the globe, including in Paris, South Korea and Cape Town.



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