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Best Current First Year Fee Waived Cards for November 2021

For this month, one different change is that the Brim card pushed its deadline to December 31, 2021. What is different than before is that they would extend their promotion period by 1 month at a time only. This time, they pushed it by 2 months.

Furthermore, several Scotiabank offers that expired on November 21, 2021, were extended to a later date. This also marks the beginning of the Scene+ points. Which leads no promotions left that end in November.

However, the TD and National Bank offers run until early and mid December, so they will not show up on our next monthly list. So if you are thinking about cards with either of these two companies, now is the time to jump on them.

Limited Time First Year Fee Waived 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.

December 2021

TD Aeroplan Visa Platinum Card

  • $89 annual fee (first year fee waived if you apply before December 5, 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 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 if you apply before December 5, 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 December 5, 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 December 5, 2021)
  • $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) (if you apply before December 5, 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 December 5, 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 15,000 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) (if you apply before December 5, 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 August 16, 2021)
  • Have at least $60,000 in personal annual income or $100,000 household income

National Bank Platinum Mastercard

  • $89 annual fee (first year fee waived) (apply before December 20, 2021) 
  • $35 annual fee for a supplementary cardholder
  • Earn 15,000 points after spending $3,000 in the first 3 months (apply before December 20, 2021)
  • Earn 1 point for every $1 spent on all purchases

National Bank World Mastercard

  • $115 annual fee (first year fee waived) (apply before December 20, 2021) 
  • $35 annual fee for a supplementary cardholder
  • Earn 15,000 points after spending $3,000 in the first 3 months (apply before December 20, 2021)
  • Earn 1.25 points for every $1 spent (on the first $20 000 in purchases, calculated annually based on anniversary of the card)
    Earn 2 points for every $1 spent (between $20,001 to $30,000 in purchases, calculated annually based on anniversary of the card)
    Earn 1.25 points for every $1 spent (above $30,001 in purchases, calculated annually based on anniversary of the card)
  • Have at least $60,000 in personal annual income, $100,000 household income or have $250,000 asset under management. Or $15,000 in minimum purchases per year (existing client only)

National Bank World Elite Mastercard

  • $150 annual fee (first year fee waived) (apply before December 20, 2021)
  • $50 annual fee for a supplementary cardholder
  • Earn 15,000 points after spending $3,000 in the first 3 months (apply before December 20, 2021)
  • 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)

Brim World Elite MasterCard

  • $199 annual fee (first year fee waived if you apply before December 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

BMO Rewards Business MasterCard

  • $120 annual fee (waived the first year if you apply before December 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 December 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

January 2022

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before January 1, 2022)
  • $50 annual fee for a supplementary cardholder
  • 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

HSBC Premier World Elite MasterCard

  • $99 annual fee (first year fee waived if you apply before January 31, 2022; except Quebec)
  • Earn 120,000 sign up bonus points (Quebec only), (if you apply before January 31, 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), (if you apply before January 31, 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

HSBC World Elite MasterCard

  • $149 annual fee (first year fee waived if you apply before January 31, 2022; except Quebec)
  • Earn 130,000 sign up bonus points (Quebec only), (if you apply before January 31, 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), (if you apply before January 31, 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

Laurentian Bank Visa Dollars

  • $65 annual fee (first year fee waived after spending $1,000 in the first 3 months) (apply before January 30, 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

February 2022

Scotiabank GM Visa Infinite Card

  • $79 annual fee (first year fee waived if you apply before February 28, 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

Scotiabank Passport Visa Infinite Card

  • $139 annual fee (first year fee waived if you apply before February 28, 2022)
  • $50 annual fee for each supplementary card (first supplementary card free)
  • Earn 30,000 Scene+ sign up bonus points after spending $1,000 in the first 3 months (if you apply before February 28, 2022)
  • Earn 10,000 Scene+ bonus points after spending $40,000 in a calendar year
  • Earn 2,000 Scene+ bonus points after every $10,000 in addition to the first $40,000 in a calendar year
  • Earn 5 points for every $1 spent on travel spending (up to $2,500 in spending)
  • Earn 2 points for every $1 spent on grocery, dining, entertainment and daily transit
  • Earn 1 point for every $1 spent on all other purchases
  • Receive 6 Priority Pass lounge passes
  • No foreign transaction fees
  • Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management

December 2022

BMO Air Miles World Elite MasterCard

  • $120 annual fee (waived the first year if you 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) (if you 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 (waived the first year if you 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) (if you 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 (waived the first year if you 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) (if you 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 World Elite MasterCard

  • $150 annual fee (waived the first year if you 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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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!

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