Best Current First Year Fee Waived Cards for May 2021
For this month, all the TD promotions are coming to an end. So if you are still thinking about those cards, you may want to jump on their current offers.
The Brim card also expires this month. However, it has been continually extended a month at a time, so there is no way to know if it will be extended again.
Limited Time First Year Fee Offers
We have listed the cards based on their promotional expiry dates. If there is a tie-break, it is ranked by annual fee (lowest to highest), after which it will go alphabetically.
May 2021
TD Aeroplan Visa Platinum Card
- $89 annual fee (first year fee waived if you apply before May 30, 2021)
- $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) (if you apply before May 30, 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 if you apply before May 30, 2021)
- $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 30, 2021)
- 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 if you apply before May 30, 2021)
- $50 annual fee for supplementary cardholders
- Earn 60,000 sign up bonus points after the first purchase (earn 20,000 TD points after the first purchase and earn 40,000 TD points after spending $1,500 within 90 days) (if you apply before May 30, 2021)
- 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 if you apply before May 30, 2021)
- $75 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) (if you apply before May 30, 2021)
- Earn 1.5 point per $1 spent on Air Canada, gas and grocery purchases
- Earn 1.5 point per $1 spent at participating Starbucks locations (purchases before November 7, 2021)
- 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 (if you apply before May 30, 2021)
- 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 if you apply before May 30, 2021)
- $49 annual fee for supplementary cardholders
- Earn 20,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase and another 15,000 points after spending a $5,000 in the first 3 months) (if you apply before May 30, 2021)
- Earn 2.25 points per $1 spent at participating Starbucks locations (purchases before November 7, 2021)
- 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 an Air Canada Buddy Pass after spending a $1,000 in the first 3 months (if you apply before May 30, 2021)
- Receive a $10 Statement Credit upon registering for E-Statements in the first 3 months (if you apply before May 30, 2021)
- $199 annual fee (first year fee waived if you apply before May 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
June 2021
- $65 annual fee (first year fee waived if you apply before June 30, 2021)
- 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
July 2021
Scotiabank GM Visa Infinite Card
- $79 annual fee (first year fee waived if you apply before July 1, 2021)
- 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
August 2021
Scotia Momentum Visa Infinite Card
- $120 annual fee (first year fee waived if you apply before August 31, 2021)
- $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 February 28, 2021)
- 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
October 2021
BMO Rewards Business MasterCard
- $120 annual fee (waived the first year if you apply before October 31, 2021)
- $50 annual fee for a supplementary cardholder
- Earn 50,000 sign up bonus points after spending $5,000 in the first 3 months (if you apply before October 31, 2021)
- 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, 2021)
- 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 October 31, 2021)
- 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, 2021)
- $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, 2021)
- 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 eclipse Visa Infinite Card
- $120 annual fee (waived the first year if you apply before October 31, 2021)
- 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) (if you apply before October 31, 2021)
- 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
- $150 annual fee (waived the first year if you apply before October 31, 2021)
- $50 annual fee for each supplementary card
- Earn 40,000 sign up bonus BMO Reward points (after spending $3,000 in the first 3 months) (if you apply before October 31, 2021)
- 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!