Best Current First Year Fee Waived Cards for April 2018

We are back again with our monthly update on the first year fee waived credit cards list. Quite a few changes from last month to consider.

Note that we also have two other types of monthly lists going on:

• Top Cash Back Credit Card Offers
• Top Higher than Normal Sign Up Bonus Offers

If you would like to see other lists as well, please let us know in the comment section below.

Permanent Offers

These are credit cards do not specify that there is an end date, nor is there a limited time mentioned. For the time being, they appear to be permanent, but as you may have seen with other cards, this can change at any moment without notice. One unfortunately thing is that this list is becoming very short.

American Express Business Gold Rewards Card

• $250 annual fee (first year fee waived)
• Earn 30,000 sign up bonus points after spending $5,000 in the first 3 months
• Earn 1 point for every $1 spent on all purchases
• Earn 1 additional point for every $1 spent at 3 suppliers of your choice to a maximum of 250,000 additional points each calendar year

Limited time offers with no end date

This is the newest list that I added, since there are at least two credit cards that fit this criteria. Since there is no specific end date, it may very well terminate without notice.

Meridian Visa Infinite Cash Back Card

• $99 annual fee (first year fee waived for a limited time)
• $30 annual fee for supplementary cardholders
• Earn 4% cash back on gas and grocery store purchases (on the first $25,000 in purchases, then 1% for all other purchases)
• Earn 2% pharmacy purchases and utility bill payments (on the first $25,000 in purchases, then 1% for all other purchases)
• Earn 1% cash back on all other purchases
• Require either $60,000 annual personal income or $100,000 annual household income

Meridian Visa Infinite Travel Rewards Card

• $99 annual fee (first year fee waived for a limited time)
• $30 annual fee for a supplementary cardholder
• Earn 3 points for every $1 of net purchases in foreign currencies
• Earn 1.5 points for every $1 of net purchases

Current promotional offers

Below are the offers with a specified end date. Though many of the cards tend to extend their promotional period as one ends.

Scotiabank GM Visa Infinite Card

• $79 annual fee (first year fee waived if you apply before June 30, 2018)
• Earn 5% cash back in GM Earnings on the first $10,000 spent annually on all purchases
• Earn 2% cash back in GM Earnings on all purchases after the first $10,000
• Cash back to be used for the purchase price or lease of a Chevrolet, Buick, GMC, or Cadillac

Scotia Momentum Visa Infinite Card

CIBC Dividend Platinum Visa Card

• $99 annual fee (first year fee waived if you apply before June 30, 2018)
• $30 annual fee for a supplementary cardholder (maximum 3 cards)
• Earn 4% cash back on gas and grocery purchases
• Earn 2% cash back on Tim Hortons and TELUS purchases
• Earn 1% cash back on all other purchases

CIBC Dividend Visa Infinite Card

• $99 annual fee (first year fee waived if you apply before June 30, 2018)
• $30 annual fee for a supplementary cardholder (maximum 3 cards)
• Earn 4% cash back on gas and grocery purchases
• Earn 2% cash back on Tim Hortons and TELUS purchases
• Earn 1% cash back on all other purchases

BMO Air Miles World Elite MasterCard

• $120 annual fee (first year fee waived if you apply before April 30, 2018)
• $50 annual fee for a supplementary cardholder
• Earn 3,000 sign up bonus Air Miles (if you apply before April 30, 2018) (earn 1,000 miles after the first purchase and earn an additional 2,000 miles after spending $3,000 within the first 3 months)
• Earn 1 Air Mile for every $10 spent on all purchases
• Receive 2 Priority Pass lounges passes per year

CIBC Aventura Gold Visa Card

• $120 annual fee (first year fee waived if you apply by June 30, 2018)
• Earn 15,000 sign up bonus Aventura points (after the first purchase)
• Earn 2 points on purchases made with the CIBC Aventura Rewards Centre
• Earn 1.5 point for every $1 spent on gas, groceries, drug stores and at select CIBC bonus rewards Establishments
• Earn 1 point for every $1 on all other purchases

CIBC Aventura Visa Infinite Card

• $120 annual fee (first year fee waived if you apply by June 30, 2018)
• $50 annual fee for a supplementary cardholder (maximum of 3 cards)
• Earn 15,000 sign up bonus Aventura points (after the first purchase)
• Earn 3 points spent at select CIBC bonus rewards Establishments
• Earn 2 points on purchases made with the CIBC Aventura Rewards Centre
• Earn 1.5 point for every $1 spent on gas, groceries and drug stores
• Earn 1 point for every $1 on all other purchases

CIBC Aventura Visa Card for Business

• $120 annual fee (first year fee waived if you apply before June 30, 2018)
• $50 annual fee for a supplementary cardholder (up to 9 maximum)
• Earn 20,000 sign up bonus points after the first purchase
• Receive $120 annual travel credit (promotion begins August 1, 2017, and ends December 31, 2018)
• Earn 2 points for every $1 spent on the CIBC Aventura Rewards Centre
• Earn 1.5 point for every $1 you spend on gas and travel purchases
• Earn 1 point for every $1 spent on all purchases

RBC Visa Infinite Avion

• $120 annual fee (first year fee waived if you apply before April 30, 2018)
• $50 annual fee for a supplementary cardholder
• Earn 25,000 points sign up bonus upon approval (no specified end date)
• Earn up to 5 points for every $1 spent on the RBC Rewards eMall
• Earn 1.25 point for every $1 spent on eligible travel related purchases
• Earn 1 point for every $1 spent on all other purchases

BMO World Elite MasterCard

• $150 annual fee (waived the first year if you apply before April 30, 2018)
• $50 annual fee for a supplementary cardholder
• Earn 35,000 sign up bonus points after spending $3,000 in the first 3 months (if you apply before April 30, 2018)
• Earn 2 points for every $1 spent on all purchases
• Receive 4 complimentary Priority Pass Lounge Access visits

As usual, please let me know if I missed anything in the comment section below!