Best No Foreign Transaction Fee Cards in Canada - September 2026

No FX Fee

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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Scotiabank Passport® Visa Infinite +* Card

Scotia Scene+

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $350
Welcome offerAfter $2,000 in 3 months: Up to 35,000 points; Ends Nov 1, 2026

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $150/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 2x
Restaurants: 2x
Transit: 2x
Entertainment: 2x

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Scotiabank Gold American Express® Card

Scotia Scene+

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerAfter $7,500 in 12 months: Up to 50,000 points; Ends Nov 1, 2026

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $120/yr
Min. annual income: $12,000+

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Rewards: Rate
With the partner brand: 6x
Groceries: 5x
Entertainment: 5x
Restaurants: 5x
Streaming: 3x
Transit: 3x
Gas & EV: 3x

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Scotiabank®* Platinum American Express® Card

Scotia Scene+

Annual fee: $399
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,000
Welcome offerAfter $10,000 in 6 months: Up to 100,000 points; Ends Nov 1, 2026

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $399/yr
Min. annual income: $12,000+

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Scotiabank Passport® Visa Infinite Privilege* Card

Scotia Scene+

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Annual credit$250Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,050
Welcome offerAfter $20,000 in 6 months: Up to 80,000 points; Ends Nov 1, 2026

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $599/yr
Min. annual income: $150,000+

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Rewards: Rate
Travel: 3x
Restaurants: 2x
Entertainment: 2x

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Wealthsimple Visa Infinite+ Card

WealthsimpleCash Back

Annual fee: $240
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerAfter $10,000 in 1 month: Up to $500 cash back

Features
Issuer: Wealthsimple
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $240/yr
Min. annual income: $80,000+

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