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Thread: Mastercard with lowest/or no fees?

  1. #1
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    Mastercard only(no visa). I'm not too familiar with different banks, but which Mastercard(from which bank?) would you recommend? That has the lowest/or no fees?

    -TY
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  2. #2
    Smart Canuck Arjon's Avatar
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    Quote Originally Posted by JDI007 View Post
    Mastercard only(no visa). I'm not too familiar with different banks, but which Mastercard(from which bank?) would you recommend? That has the lowest/or no fees?
    -TY
    I suspect (almost) every MC issuer has a no-fee card. I carry Tangerine's. IDK if it's the best now since I haven't compared in a few years. I felt it was whan I got it, and since it's not my main card (a NLA cashback Visa is), it's not a priority to look for another that would, based on the unsolicited offers I still get, be marginally better if at all.
    JDI007 likes this.

  3. #3
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    The Neo card has no fees and cashback at certain merchants.

  4. #4
    Smart Canuck mulock's Avatar
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    Quote Originally Posted by Arjon View Post
    I suspect (almost) every MC issuer has a no-fee card. I carry Tangerine's. IDK if it's the best now since I haven't compared in a few years. I felt it was whan I got it, and since it's not my main card (a NLA cashback Visa is), it's not a priority to look for another that would, based on the unsolicited offers I still get, be marginally better if at all.

    I also have the Tangerine World Mastercard....for about 7 years now. No annual fee, 2% cashback on 2 spending categories (or 3 spending categories if you have a chequing and/or savings account with Tangerine). You choose the 2-3 spending categories, and can change them. There are third-party websites that offer a cashback sign-up bonus when you sign up through their website for the Tangerine MasterCard.

    Details of the card at Tangerine World Mastercard® | Tangerine

    Tangerine also has an offer if you sign up: 10% Tangerine World Mastercard money back | Tangerine

    Previously I had the MBNA World Mastercard, but when they changed their cashback rewards program to be less, I switched to Tangerine.
    Last edited by mulock; Fri, Aug 18th, 2023 at 09:37 AM.

  5. #5
    CaLoonie
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    For a no fee card, I would suggest the BMO Cashback Mastercard because of the 3% grocery and gas cashback.
    Public Mobile referral link (get a $10 account credit): https://publicmobile.ca/en/on/plans?referral=Y400O9
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    Neo Financial referral code C6J8L2M4

  6. #6
    CaLoonie
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    Quote Originally Posted by Cake View Post
    The Neo card has no fees and cashback at certain merchants.
    I've used a Neo credit card before and the cashback at partnered merchants can be nice. However, Neo changes (and elimiinates) cashback offers so often that you may end up sign up for one of these cards for certain offer only to have it removed.
    Public Mobile referral link (get a $10 account credit): https://publicmobile.ca/en/on/plans?referral=Y400O9
    EQ Bank referral link: https://join.eqbank.ca?code=DAVID6261
    Wealthsimple referral code (get a cash bonus): 76B9GW
    Neo Financial referral code C6J8L2M4

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