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Best Current First Year Fee Waived Cards for December 2021

TD had most of their promotion ending from last month’s list, but they ended up extending most of their offers to March 2022 (with some minor tweaks to the offer) or May 2022.

The Brim and Scotiabank offers are coming to an end before next month’s list.

For Brim, they have been extending their offer by 1 month at a time. Back on November 1st, they extended the offer by a rare 2 months, so there is a chance this will really come to an end this time. Or maybe they will offer something different instead starting January. Either way, if you have been thinking about this card for a while now, as is as good a time as any to go for it.

The rest of the offers run well into 2022, as 2021 is really coming to a quick close.

Limited Time First Year Fee Waived Offers

We have listed the cards based on their promotional expiry dates, categorised by month. If there is a tie-break, it is ranked by annual fee (lowest to highest), after which it will go alphabetically.

December 2021

Brim World Elite MasterCard

  • $199 annual fee (first year fee waived) (apply before December 31, 2021)
  • $50 annual fee for each supplementary card
  • Earn 2 points for every $1 spent on all purchases (up to $25,000 on annual spending)
  • No foreign transaction fees

January 2022

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived) (apply before January 1, 2022)
  • $50 annual fee for a supplementary cardholder
  • Earn 4% cash back for every $1 spent on grocery purchases and recurring bill payments
  • Earn 2% cash back for every $1 spent on gas and daily transit
  • Earn 1% cash back for every $1 spent on all other purchases
  • Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management

Laurentian Bank Visa Dollars

  • $65 annual fee (first year fee waived after spending $1,000 in the first 3 months) (apply before January 30, 2022)
  • No annual fee for a supplementary cardholder
  • Earn 3% cash back on pre-authorized debits
  • Earn 2% cash back on gas and grocery
  • Earn 1% cash back on all other purchases

HSBC Premier World Elite MasterCard

  • $99 annual fee ((irst year fee waived) (apply before January 31, 2022; except Quebec)
  • Earn 120,000 sign up bonus points (Quebec only), (apply before January 31, 2022) (earn 20,000 after the first purchase, earn 70,000 bonus points for keeping the account open for 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
  • Earn 100,000 sign up bonus points (rest of Canada), (apply before January 31, 2022) (earn 20,000 after the first purchase, earn 50,000 bonus points after spending $6,000 in the first 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
  • Earn 6 points for every $1 spent on travel purchases
  • Earn 3 points for every $1 spent on all other purchases
  • No foreign transaction fees
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management

HSBC World Elite MasterCard

  • $149 annual fee (first year fee waived) (apply before January 31, 2022; except Quebec)
  • Earn 130,000 sign up bonus points (Quebec only), (apply before January 31, 2022) (earn 20,000 after the first purchase, earn 80,000 bonus points for keeping the account open for 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
  • Earn 100,000 sign up bonus points (rest of Canada), (apply before January 31, 2022) (earn 20,000 after the first purchase, earn 50,000 bonus points after spending $6,000 in the first 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
  • Earn 6 points for every $1 spent on travel purchases
  • Earn 3 points for every $1 spent on all other purchases
  • No foreign transaction fees
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management

February 2022

Scotiabank GM Visa Infinite Card

  • $79 annual fee (first year fee waived) (apply before February 28, 2022)
  • 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

Scotiabank Passport Visa Infinite Card

  • $139 annual fee (first year fee waived) (apply before February 28, 2022)
  • $50 annual fee for each supplementary card (first supplementary card free)
  • Earn 30,000 Scene+ sign up bonus points after spending $1,000 in the first 3 months (if you apply before February 28, 2022)
  • Earn 10,000 Scene+ bonus points after spending $40,000 in a calendar year
  • Earn 2,000 Scene+ bonus points after every $10,000 in addition to the first $40,000 in a calendar year
  • Earn 5 points for every $1 spent on travel spending (up to $2,500 in spending)
  • Earn 2 points for every $1 spent on grocery, dining, entertainment and daily transit
  • Earn 1 point for every $1 spent on all other purchases
  • Receive 6 Priority Pass lounge passes
  • No foreign transaction fees
  • Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management

March 2022

TD First Class Travel Visa Infinite Card

  • $120 annual fee (first year fee waived) (apply before March 6, 2022)
  • $50 annual fee for supplementary cardholders
  • Earn 80,000 sign up bonus points after the first purchase (earn 20,000 TD points after the first purchase and earn 60,000 TD points after spending $1,000 within 90 days, for Quebec residences there is no spending requirements but good standing for 90 days) (apply before March 6, 2022)
  • Earn 9 points when you book travel online through 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

TD Aeroplan Visa Infinite Card

  • $139 annual fee (first year fee waived) (apply before March 6, 2022)
  • $75 annual fee for supplementary cardholders
  • Earn 25,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase and another 15,000 points after spending a $1,000 in the first 3 months, for Quebec residences there is no spending requirements but good standing for 90 days) (apply before December 5, 2021)
  • Earn 1.5 point per $1 spent on Air Canada, gas and grocery purchases
  • Earn 1 point per $1 spent on all other purchases
  • Receive an Air Canada Buddy Pass after spending a $1,000 in the first 3 months (apply before March 6, 2022)
  • Have at least $60,000 in personal annual income or $100,000 household income

May 2022

TD Aeroplan Visa Platinum Card

  • $89 annual fee (first year fee waived) (apply before May 29, 2022)
  • $35 annual fee for supplementary cardholders
  • Earn 20,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase and another 10,000 points after spending a $1,000 in the first 3 months, for Quebec residences there is no spending requirements but good standing for 90 days) (apply before December 5, 2021)
  • Earn 1 point per $1 spent on Air Canada, gas and grocery purchases
  • Earn 1 point per $1 spent at participating Starbucks locations (purchases before November 7, 2021)
  • Earn 1 point per $1.50 spent on all other purchases

TD Cash Back Visa Infinite Card

  • $120 annual fee (first year fee waived) (apply before May 29, 2022)
  • $50 annual fee for supplementary cardholders
  • Earn 6% cash back on all purchases (for the first 3 months, up to $2,000 in spending) (if you apply before May 29, 2022)
  • Earn 3% cash back on gas, grocery and recurring bill payments thereafter (on first $15,000 in annual spending per category, including the 3 month bonus promotion)
  • Earn 1% cash back on all other purchases
  • Have at least $60,000 in personal annual income or $100,000 in annual household income

December 2022

BMO Air Miles World Elite MasterCard

  • $120 annual fee (first year fee waived) (apply before December 6, 2022)
  • $50 annual fee for a supplementary cardholder
  • Earn 2,000 sign up bonus Air Miles (earn 1,000 sign up bonus and 2,000 more after spending $3,000 in the first 3 months) (apply before December 6, 2022)
  • 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

BMO CashBack World Elite MasterCard

  • $120 annual fee (first year fee waived) (apply before December 6, 2022)
  • Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending or $200 in cash back) (apply before December 6, 2022)
  • Earn 1.5% cash back on all purchases
  • Receive cash back: (1) direct deposit into a BMO chequing, savings or InvestorLine account; or (2) a statement credit
  • Redeem: (1) annually; (2) when a recurring amount has accumulated a minimum of $50 and in increments of $10; or (3) a one-time lump sum with a minimum of $50 and in increments of $10

BMO eclipse Visa Infinite Card

  • $120 annual fee(first year fee waived) (apply before December 6, 2022)
  • Earn 10% more points for adding a supplementary cardholders
  • Earn 40,000 sign up bonus BMO Reward points (earning 25,000 sign up bonus points and another 15,000  after spending $3,000 in the first 3 months) (apply before December 6, 2022)
  • Receive an annual $50 lifestyle credit
  • Earn 5 points for every $1 spent on groceries, dinning in and out, gas and transit purchases
  • Earn 1 points for every $1 spent on all other purchases
  • Have at least $60,000 in personal annual income or $100,000 household income

BMO Rewards Business MasterCard

  • $120 annual fee (first year fee waived) (apply before December 6, 2022)
  • $50 annual fee for a supplementary cardholder
  • Earn 50,000 sign up bonus points after spending $5,000 in the first 3 months (apply before December 6, 2022)
  • 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 World Elite MasterCard

  • $150 annual fee (first year fee waived) (apply before December 6, 2022)
  • $50 annual fee for each supplementary card
  • Earn 30,000 sign up bonus BMO Reward points (earn 25,000 after spending $3,000 in the first 3 months and 5,000 on the first year anniversary)
  • Earn 3 points for every $1 spent on travel, dining and entertainment purchases
  • Earn 2 points for every $1 spent on all other purchases
  • Receive 4 free lounge passes with MasterCard Airport Experiences
  • Have at least $80,000 in personal annual income or $150,000 household income

Note that we have two other monthly lists:

If you would like to see other lists or see any missing offers in this post, please let us know in the comment section below!

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

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