The following credit cards carry no annual or transaction fees. You can use any of them at no cost to yourself provided you continue to pay your bill in full and on time.

MASTERCARD

BMO Bank of Montreal

• Mosaik MasterCard with No Fee Option

Citibank

• Citi MasterCard

CS Alterna Bank

• Standard MasterCard

HSBC Bank Canada

• HSBC MasterCard

MBNA Canada

• Preferred MasterCard

National Bank

• Regular MasterCard
• Ultramar MasterCard

Niagara Credit Union

• No Fee Loyalty MasterCard

President's Choice Bank

• President's Choice Financial MasterCard

VISA

CIBC

• CIBC Classic Visa Card
• CIBC Dividend Card
• CIBC Entourage American Express
• CIBC HBC Rewards Visa
• CIBC Shoppers Optimum/Pharmaprix Optimum Visa

Fédération des caisses Desjardins du Québec

• Visa Classic

Laurentian Bank

• Black Visa Card

Royal Bank

• Visa Classic

Scotiabank

• Scotiabank No-Fee Value Visa
• Scotiabank No-Fee Classic Visa

TD Canada Trust

• TD Green Visa
• The GM Card
• Wal Mart TD Visa

VanCity Credit Union

• Envirofund Visa