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Best Current First Year Fee Waived Cards for July 2022

ByMatt

There are no changes to this month’s list compare to last month.

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.

August 2022

National Bank Platinum Mastercard

  • $89 annual fee (first year fee waived) (apply before August 31, 2022)
  • $35 annual fee for a supplementary cardholder (first year fee waived) (apply before August 31, 2022)
  • Earn 20,000 sign up bonus points (after spending $3,000 in the first 3 months) (apply before August 31, 2022)
  • Earn 1 points for every $1 spent on all purchases (on $80,001 and more in purchases in an anniversary year)

National Bank World Elite Mastercard

  • $150 annual fee (first year fee waived) (apply before August 31, 2022)
  • $50 annual fee for a supplementary cardholder (first year fee waived) (apply before August 31, 2022)
  • Earn 20,000 sign up bonus points (after spending $3,000 in the first 3 months) (apply before August 31, 2022)
  • Earn 1.5 points per dollar in purchases (on the first $0 to $40,000 in purchases in an anniversary year)
  • Earn 2 points per dollar in purchases (on the next $40,001 to $80,000 in an anniversary year)
  • Earn 1.5 points per dollar in purchases (on $80,001 and more in purchases in an anniversary year)
  • Received $250 on seat selection, airport parking and baggage fees (annually)
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management. Or $25,000 in minimum purchases per year (existing client only)

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived) (apply before August 31, 2022)
  • $50 annual fee for a supplementary cardholder
  • Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases) (apply before May 1, 2022)
  • 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

September 2022

TD Aeroplan Visa Platinum Card

  • $89 annual fee (first year fee waived) (apply before September 5, 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 September 5, 2022)
  • Earn 1 point per $1 spent on Air Canada, gas and grocery purchases
  • Earn 1 point per $1.50 spent on all other purchases

TD Cash Back Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before September 5, 2022)
  • $50 annual fee for supplementary cardholders
  • 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 September 5, 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

TD Aeroplan Visa Infinite Card

  • $139 annual fee (first year fee waived for applying before September 5, 2022)
  • $75 annual fee for supplementary cardholders
  • Earn 50,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase with the first 3 months, earn 20,000 points after spending $1,000 in the first 90 days and earn 20,000 points after spending $7,500 in the first 12 months) (for applying before September 5, 2022)
  • Earn 1.5 point per $1 spent on Air Canada, gas and grocery purchases
  • Earn 1 point per $1 spent on all other purchases
  • Have at least $60,000 in personal annual income or $100,000 household income

TD Aeroplan Visa Business Card

  • $149 annual fee (first year fee waived for applying before September 5, 2022)
  • $49 annual fee for supplementary cardholders
  • Earn 60,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase, earn 20,000 points after spending $5,000 in the first 3 months and earn 30,000 points after spending $5,000 each month in the first 12 months) (apply before September 5, 2022)
  • Earn 2 points per $1 spent on Air Canada purchases
  • Earn 1.5 point per $1 spent on shipping, internet, cable, phone services, travel and dining purchases
  • Earn 1 points per $1 spent on all other purchases
  • Receive 4 Air Canada Maple Leaf Lounge passes
  • Receive free first checked bag (up to 8 additional companions)
  • Receive an Air Canada bonus Buddy Pass after spending $1,000 in the first 90 days (apply before March 6, 2022)
  • Receive $100 NEXUS application credit once every 48 months (applies to supplementary cardholders too)

TD Business Travel Visa Card

  • $149 annual fee (first year fee waived for applying before September 5, 2022)
  • $49 annual fee for a supplementary cardholder
  • Earn 150,000 sign up bonus points (earn 30,000 points after the first purchase, earn 60,000 points after spending $5,000 in the first 3 months and earn 60,000 points after spending $5,000 each month in the first 12 months) (apply before September 5, 2022)
  • Earn 9 points for every $1 spent on ExpediaforTD.com
  • Earn 6 points for every $1 for every $1 spent on foreign currency purchases, restaurant and regularly recurring bill payments
  • Earn 2 points for every $1 spent on all other purchases

October 2022

TD First Class Travel Visa Infinite Card

  • $120 annual fee (first year fee waived) (apply before October 29, 2022)
  • $50 annual fee for supplementary cardholders
  • Earn 100,000 sign up bonus points after the first purchase (earn 20,000 TD points after the first purchase and earn 80,000 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 May 29, 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

HSBC Premier World Elite MasterCard

  • $99 annual fee (first year fee waived for applying before October 31, 2022; except Quebec)
  • Earn 100,000 sign up bonus points (Quebec only), (apply before October 31, 2022) (earn 20,000 after the first purchase, earn 60,000 bonus points for keeping the account open for 180 days and earn 20,000 anniversary bonus points)
  • Earn 80,000 sign up bonus points (rest of Canada), (apply before October 31, 2022) (earn 20,000 after the first purchase, earn 60,000 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
  • 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

HSBC World Elite MasterCard

  • $149 annual fee (first year fee waived for applying before October 31, 2022; except Quebec)
  • Earn 110,000 sign up bonus points (Quebec only), (apply before October 31, 2022) (earn 20,000 after the first purchase, earn 70,000 bonus points for keeping the account open for 180 days and earn 20,000 anniversary bonus points)
  • Earn 80,000 sign up bonus points (rest of Canada), (apply before October 31, 2022) (earn 20,000 after the first purchase, earn 60,000 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
  • 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

Scotiabank Gold American Express

  • $120 annual fee (first year fee waived) (apply before October 31, 2022)
  • $29 annual fee for a supplementary cardholder
  • Earn 40,000 sign up bonus Scotia Rewards points (earn 250,000 bonus points after spending $1,000 in the first 3 months and earn a 20,000 bonus points after spending $7,500 in the first year) (apply before October 31, 2022)
  • Normally 20,000 sign up bonus points
  • Have at least $12,000 in personal annual 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 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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