No-Annual-Fee Miles Credit Cards in Canada
🇨🇦 3 cards in Canada are recorded with a zero annual fee and no mandatory rewards charge.
Catalog checked 2026-10-20. Figures are in CAD and come from issuer and program sources linked on each card profile.
At a glance
- 3 cards from 2 issuers: CIBC, American Express.
- Recorded annual cost runs from $0 (CIBC Aeroplan Visa Card) to $0 (CIBC Aeroplan Visa Card for Students).
- Most recorded airline partners: American Express Green Card (5). Recorded partners are not an exhaustive list.
Cards compared
| Card | Annual fee | Earning | Reward / route | Recorded partners | Checked |
|---|---|---|---|---|---|
| CIBC Aeroplan Visa Card | $0 | 1 Aeroplan point per CAD 1.50 other eligible purchases. 1 per CAD 1 gas, EV charging, groceries and direct Air Canada; bonus rate applies only within the first CAD… | Aeroplan points · Direct miles | Not verified | 2026-10-20 |
| CIBC Aeroplan Visa Card for Students | $0 | 1 Aeroplan point per CAD 1 on eligible gas, EV charging, groceries and direct Air Canada purchases; 1 per CAD 1.50 on all other purchases. | Aeroplan points · Direct miles | Not verified | 2026-10-20 |
| American Express Green Card | $0 | 1 Membership Rewards point per CAD 1 eligible purchases. | Membership Rewards points · Bank points | Aeroplan, Flying Blue, Asia Miles, British Airways Club, Delta SkyMiles | 2026-10-20 |
What to check before applying
- Residency, income and credit requirements are set by the issuer and can exclude you even when the card is listed.
- Welcome offers, limited-time transfer bonuses and award availability are deliberately not modelled.
- Confirm the current fee, earning caps, exclusions and expiry on the issuer’s own page before you apply: open a card profile for its sources.
A zero annual fee does not mean zero cost: interest, foreign-transaction charges and optional rewards fees are not part of this comparison. First-year waivers are not listed here; only a permanently recorded zero fee counts.
Related guides for Canada
- All Canada mileage cards
- Transferable Points Credit Cards in Canada
- Airline Co-Branded Credit Cards in Canada
- Business Credit Cards That Earn Miles in Canada
- Cathay Pacific Asia Miles credit cards in Canada
- Air France–KLM Flying Blue credit cards in Canada
- British Airways Club credit cards in Canada
- American Airlines AAdvantage credit cards in Canada
- Air Canada Aeroplan credit cards in Canada
- Air France–KLM Flying Blue program guide
- Cathay Pacific Asia Miles program guide
- British Airways Club program guide
- Before you transfer points
- Award booking checklist
- US, UK, Canada and Australia overview