Best Current First Year Fee Waived Cards for April 2019

For this month’s list, you’ll notice many promotions that ended in March that are off this list.

See the other two monthly lists on how we highlighted the featured card:

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

Featured Card

I am sticking with the same credit card that I chose last month, the TD Aeroplan Visa Business Card as it has the most lucrative sign up bonus (45,000 sign up bonus Aeroplan miles).

Limited time offers with no end date

For these cards, 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)
• $30 annual fee for supplementary cardholders
• Earn 10% on all purchases (for the first 3 months, up to $2,000 in spending)
• 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
• Cash back awarded as an account credit
• Available to Ontario residents only

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
• Have at least $60,000 in personal annual income or $100,000 in annual household income

Limited time offers with an end date

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, 2019)
• 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
• Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management

Scotia Momentum Visa Infinite Card

BMO Rewards Business MasterCard

• $120 annual fee (waived the first year if you apply before October 31, 2019)
• $50 annual fee for a supplementary cardholder
• Earn 35,000 sign up bonus points after spending $5,000 in the first 3 months (if you apply before October 31, 2019)
• Earn $100 travel credit card spending $100 on travel (if you apply before February 28, 2019)
• Earn 3 BMO Reward points for every $1 spent on gas, office supplies, cell phone and internet recurring payments
• Earn 1.5 BMO Reward points for every $1 spent on all purchases

BMO Air Miles World Elite MasterCard

• $120 annual fee (waived the first year if you apply before October 31, 2019)
• $50 annual fee for a supplementary cardholder
• Earn 3,000 sign up bonus Air Miles (earn 1,000 sign up bonus and 2,000 more after spending $3,000 in the first 3 months) (if you apply before March 31, 2019)
• Earn 1 Air Mile for every $10 on all purchases
• Receive 2 free lounge passes with MasterCard Airport Experiences
• Receive a Companion Flight Rebate Offer (by booking any two flights, one way or return, through airmiles.ca)
• Have at least $80,000 in personal annual income or $150,000 in annual household income

TD Aeroplan Visa Infinite Card

• $120 annual fee (waived the first year if you apply before June 2, 2019)
• $50 annual fee for a supplementary cardholder
• Earn 30,000 sign up bonus Aeroplan miles (if you apply before June 2, 2019), earn 15,000 miles after the first purchase and earn an additional 15,000 miles after spending $1,000 in the first 90 days
• Earn 1.5 mile for every $1 spent on gas, grocery, drugstore and aircanada.com purchases
• Earn 1 mile for every $1 spent on all other purchases
• Receive 1 free checked bag when travelling on an Aeroplan reward flight
• Receive 1 annual Maple Leaf Lounge guest pass when travelling on an Aeroplan reward flight operated by Air Canada
• Receive priority check-in and priority boarding (with Aeroplan reward flight)
• Have at least $60,000 in personal annual income or $100,000 in annual household income

TD First Class Travel Visa Infinite Card

• $120 annual fee (first year fee waived if you apply before June 2, 2019)
• Earn 80,000 sign up bonus points (if you apply before June 2, 2019); earn 20,000 after the first purchase and another 60,000 after spending $1,000 in the first 3 months
• Normally 20,000 points
• Earn 9 points for every $1 spent on Expedia
• Earn 3 points for every $1 spent on all other purchases
• Have at least $60,000 in personal annual income or $100,000 household income

HSBC World Elite MasterCard

• $149 annual fee (first year fee waived if you apply before June 30, 2019; except Quebec)
• No annual fee for supplementary cardholders
• Earn 90,000 sign up bonus points (Quebec only), (if you apply before June 30, 2019); earn 20,000 after the first purchase and earn 70,000 bonus points after 90 days of good standing
• Earn 60,000 sign up bonus points (rest of Canada), (if you apply before June 30, 2019); earn 20,000 after the first purchase and earn 2x the points up to 40,000 bonus points on all purchases within the first 90 days
• Earn 6 HSBC points for every $1 spent on travel purchases
• Earn 3 HSBC points for every $1 spent on all other purchases
• Receive $100 annual travel enhancement credit
• Receive a Boingo membership
• No foreign transaction fees
• Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management.

TD Aeroplan Visa Business Card

• $149 annual fee (first year fee waived if you apply before June 2, 2019)
• Earn 45,000 sign up bonus Aeroplan miles (if you apply before June 2, 2019); earn 20,000 after the first purchase, earn 20,000 after spending $5,000 within the first 90 days and earn 5,000 by having an existing qualifying personal TD Credit Card or qualifying TD Small Business Account
• Earn 1.5 mile for every $1 spent on gas and travel purchases
• Earn 1 mile on all other purchases

BMO World Elite MasterCard

If you would like to see other lists or if I am missing any promotions, please let us know in the comment section below!