Best Current First Year Fee Waived Cards for March 2022
For this month, the few offers that will be expiring in early April will not make it to next month’s list. TD offers that expired recently were changed and now ending in either May or July.
Also noteworthy is that the Plastk Secured Visa Credit Card has a decent first year fee waived offer for Canadian students looking to build their credit score.
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.
April 2022
- $65 annual fee (first year fee waived after spending $1,000 in the first 3 months) (apply before April 3, 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 (first year fee waived for applying before April 4, 2022; except Quebec)
- Earn 120,000 sign up bonus points (Quebec only), (apply before April 4, 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 April 4, 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
- $149 annual fee (first year fee waived for applying before April 4, 2022; except Quebec)
- Earn 130,000 sign up bonus points (Quebec only), (apply before April 4, 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 April 4, 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
Plastk Secured Visa Credit Card
- $48 annual fee (first year annual fee waived for new cardholders who are full time students enrolled in Canadian Universities and Colleges) (apply before April 30, 2022)
- No Credit History Required
- $6 monthly maintenance fee (first year maintenance fee waived for new cardholders who are full time students enrolled in Canadian Universities and Colleges)
(apply before April 30, 2022) - Receive 5,000 sign up bonus points (limited time unspecified)
- $300 minimum security deposit required to set credit limit
- Earn 1 point for every $1 spent
- Receive free monthly credit score updates, powered by Equifax
May 2022
Scotia Momentum Visa Infinite Card
- $120 annual fee (first year fee waived) (apply before May 1, 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
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
TD First Class Travel Visa Infinite Card
- $120 annual fee (first year fee waived) (apply before May 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
July 2022
Scotiabank GM Visa Infinite Card
- $79 annual fee (first year fee waived) (apply before July 4, 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
September 2022
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)
- $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
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
- $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!