Best Current First Year Fee Waived Cards for December 2018

Several promotions expired at the end of October, so there are quite a few changes and extensions this month.

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.

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.

CIBC U.S. Dollar Aventura Gold Visa Card

• $35 annual fee (first year fee waived if you apply before February 28, 2019)
• Earn 2,500 bonus sign up bonus Aventura points
  Earn 500 bonus Aventura points for completing each of the activities below within 60 days of your U.S. Dollar Aventura Gold Visa account approval
• Earn 1 point for every $1 spent on travel purchased through the CIBC Rewards Centre
• Earn 1 point for every $2 spent on all other purchases

Scotiabank GM Visa Infinite Card

• $79 annual fee (first year fee waived if you apply before February 28, 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

Scotia Momentum Visa Infinite Card

BMO Rewards Business MasterCard

• $120 annual fee (waived the first year if you apply before January 15, 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 February 29, 2019)
• Earn $100 travel credit card spending $100 on travel (if you apply before January 15, 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

CIBC Aventura Gold Visa Card

• $120 annual fee (first year fee waived if you apply by February 28, 2019)
• Earn 20,000 sign up bonus Aventura points (earn 15,000 points after the first purchase, earn 5,000 points after spending $1,000 in the first 4 months) (if you apply before February 28, 2019)
• 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 before February 29, 2019)
• $50 annual fee for a supplementary cardholder (maximum of 3 cards)
• Earn 20,000 sign up bonus Aventura points (earn 15,000 points after the first purchase, earn 5,000 points after spending $1,000 in the first 4 months) (if you apply before February 28, 2019)
• Earn 2 points for every $1 spent on purchases made with the CIBC Rewards Centre
• Earn 1.5 point for every $1 spent on gas, groceries and drug stores
• Earn 1 point for every $1 spent on all other purchases
• Receive 4 free Priority Pass visits
• Rebate $100 (up to) on NEXUS application once every 4 years

CIBC Aventura Visa Card for Business

• $120 annual fee (first year fee waived if you apply before February 29, 2019)
• $50 annual fee for a supplementary cardholder (up to 9 maximum)
• Earn 35,000 sign up bonus points after the first purchase (earn 20,000 points after the first purchase, earn 15,000 points after spending $3,000 in the first 4 months) (if you apply before February 28, 2019)
• 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

BMO Air Miles World Elite MasterCard

• $120 annual fee (waived the first year if you apply before March 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)

HSBC World Elite MasterCard

• $149 annual fee (first year fee waived if you apply before December 31, 2018) (excluding Quebec residents)
• No annual fee for supplementary cardholders
• Receive $100 annual travel enhancement credit
• Earn 75,000 sign up bonus points (earn 20,000 upon approval, 10,000 after spending $1,000, 25,000 after spending $5,000 and 25,000 after spending $10,000 all in the first 120 days) (if you apply before December 31, 2018)
• Earn 6 HSBC points for every $1 spent on travel purchases
• Earn 3 HSBC points for every $1 spent on all other purchases
• Receive a Boingo membership
• No foreign transaction fees