Best Current First Year Fee Waived Cards for July 2018

Quite a few promotions expired at the end of June. Many of them got extended till the end of October, others fell off the list (namely AMEX and a couple of BMO cards). Furthermore, a few others made it to the list this month. So for, this has been a fairly strong list of promotions that waives the first year fee.

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

RBC Visa Infinite Avion

• $120 annual fee (first year fee waived for a limited time)
• $50 annual fee for a supplementary cardholder
• Earn 25,000 points sign up bonus upon approval (for a limited time)
• 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

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 October 31, 2018)
• 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 October 31, 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 October 31, 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 October 31, 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 Rewards Business MasterCard

• $120 annual fee (waived the first year if you apply before July 31, 2018)
• $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 July 31, 2018)
• 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 October 31, 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 October 31, 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 October 31, 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

TD Cash Back Visa Infinite Card

• $120 annual fee (first year fee waived if you apply before August 27, 2018)
• Earn 6% cash back on all purchases (for the first 3 months, up to $3,500 in spending or $210 in cash back) (if you apply before August 27, 2018)
• Earn 3% cash back on gas, grocery and recurring bill payments
• Earn 1% cash back on all other purchases

HSBC World Elite MasterCard

• $149 annual fee (first year fee waived if you apply before September 4, 2018) (excluding Quebec residents)
• No annual fee for supplementary cardholders
• Receive $100 annual travel enhancement credit
• Earn 30,000 sign up bonus points (earn 20,000 upon approval and 10,000 after spending $1,000 in the first 90 days) (if you apply before September 4, 2018)
• *Earn 60,000 sign up bonus points (earn 20,000 upon approval and 40,000 after keeping the account open for 90 days in good standing) (Quebec residents only) (if you apply before September 4, 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