Pointshogger

"Get the best return possible for every $ you spend."

Blog

Best Current First Year Fee Waived Cards for July 2020

This month’s list has really trimmed down with CIBC now offering more permanent first year fee waived offers. Because of that, I have also taken off the ongoing first year fee waived offers as that list grew too long.

Keep in mind that we have an ongoingly updated Top Credit Cards pages. Here are some of the more relevant ones to this post:

Limited Time First Year Fee Offers for July 2020

Below are first year fee waived offers with a specified end date. Note that the cards is listed by their annual fees, from lowest to highest.

Laurentian Bank Visa Dollars

  • $65 annual fee (first year fee waived if you apply before October 31, 2020)
  • No annual fee for a supplementary cardholder
  • Earn 6% cash back on gas and grocery purchases (within the 3 months, up to $2,000 in spending) (if you apply before October 31, 2020)
  • Earn 3% cash back on pre-authorized debits
  • Earn 2% cash back on gas and grocery
  • Earn 1% cash back on all other purchases

Scotiabank GM Visa Infinite Card

  • $79 annual fee (first year fee waived if you apply before October 31, 2020)
  • 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

TD Aeroplan Visa Platinum Credit Card

  • $89 annual fee (first year fee waived if you apply before September 8, 2020)
  • $35 annual fee for supplementary cardholders
  • Earn 10,000 sign up bonus miles after the first purchase
  • Earn 1 mile for every $1 spent at drug stores, gas and grocery
  • Earn 1 mile for for every $1.50 spent on all other purchases

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before November 1, 2020)
  • $50 annual fee for a supplementary cardholder
  • Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending or $200 in cash back) (if you apply before April 30, 2020)
  • 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

BMO Rewards Business MasterCard

  • $120 annual fee (waived the first year if you apply before October 31, 2020)
  • $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, 2020)
  • 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 CashBack World Elite MasterCard

  • $120 annual fee (waived the first year if you apply before October 31, 2020)
  • Earn 5% cash back on all purchases (for the first 4 months, up to $4,000 in spending or $200 in cash back) (if you apply before October 31, 2020)
  • 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 Air Miles World Elite MasterCard

  • $120 annual fee (waived the first year if you apply before October 31, 2020)
  • $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) (if you apply before October 31, 2020)
  • 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 Cash Back Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before September 8, 2020)
  • $50 annual fee for supplementary cardholders
  • Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending) (if you apply before September 8, 2020)
  • 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

TD Aeroplan Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before September 8, 2020)
  • $50 annual fee for supplementary cardholders
  • Earn 15,000 sign up bonus miles after the first purchase
  • 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 September 8, 2020)
  • $50 annual fee for supplementary cardholders
  • Earn 20,000 sign up bonus points after the first purchase
  • 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 August 17, 2020; except Quebec)
  • Earn 90,000 sign up bonus points (Quebec only), (if you apply before August 17, 2020) (earn 20,000 after the first purchase and earn 70,000 bonus points for keeping the account active for 180 days)
  • Earn 60,000 sign up bonus points (rest of Canada), (if you apply before August 17, 2020); earn 20,000 after the first purchase and earn 40,000 bonus points after spending $5,000 in the first 180 days)
  • Receive $100 annual travel enhancement credit
  • Earn 6 HSBC points for every $1 spent on travel purchases
  • Earn 3 HSBC 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 Premier World Elite MasterCard

  • $149 annual fee (first year fee waived if you apply before August 17, 2020; except Quebec)
  • Earn 80,000 sign up bonus points (Quebec only), (if you apply before August 17, 2020) (earn 20,000 after the first purchase and earn 60,000 bonus points for keeping the account active for 180 days)
  • Earn 60,000 sign up bonus points (rest of Canada), (if you apply before August 17, 2020); earn 20,000 after the first purchase and earn 40,000 bonus points after spending $5,000 in the first 180 days)
  • Receive $100 annual travel enhancement credit
  • Earn 6 HSBC points for every $1 spent on travel purchases
  • Earn 3 HSBC 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

BMO World Elite MasterCard

  • $150 annual fee (waived the first year if you apply before October 31, 2020)
  • $50 annual fee for each supplementary card
  • Earn 35,000 sign up bonus BMO Reward points (after spending $3,000 in the first 3 months) (if you apply before October 31, 2020 )
  • 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

Brim World Elite MasterCard

  • $199 annual fee (first year fee waived if you apply before July 31, 2020)
  • $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

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!

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Follow us on Social Media and keep up-to-date on our latest posts!

About Us

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!

  • Ottawa | Vancouver
  • @pointshogger

    Contact Us

    Send
    BoardingArea

    Subscribe To Our Newsletter

    Join our mailing list to receive the latest news and updates from our team.

    You have Successfully Subscribed!

    %d bloggers like this: