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Top No Annual Fees Credit Cards in Canada$99 annual fee � No annual fee � $49 annual fee ; % interest rate � (or % for $45/year). % interest rate � (or % for $45/year). % interest rate. Annual fees are to be charged within the first two monthly statements following the opening of your new account, regardless of whether or not the card has been. credit cards with no annual fee as of January 4, Show more Show less. Annual Fee: $0. Intro Rate: N/A. Ongoing APR: % Variable. BMO CashBack� World.