Best Current First Year Fee Waived Cards for November 2022
For this month, you will notice that all the current offers run well into 2023, aside from Brim Financial. All previous offers that were scheduled to expire in 2022 where slightly modified and extended into 2023.
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.
December 2022
- $199 annual fee (first year fee waived) (apply before December 31, 2022)
- $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
January 2023
TD Aeroplan Visa Platinum Card
- $89 annual fee (first year fee waived) (apply by January 3, 2023)
- $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) (apply by January 3, 2023)
- 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 Aeroplan Visa Infinite Card
- $139 annual fee (first year fee waived for applying by January 3, 2023)
- $75 annual fee for supplementary cardholders
- Earn 50,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase within the first 3 months, earn 20,000 points after spending $1,500 in the first 90 days and earn 20,000 points after spending $7,500 in the first 12 months) (for applying by January 3, 2023)
- Earn 1.5 points 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 by January 3, 2023)
- $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 $2,500 each month in the first 12 months) (apply by January 3, 2023)
- Earn 2 points per $1 spent on Air Canada purchases
- Earn 1.5 points per $1 spent on shipping, internet, cable, phone services, travel and dining purchases
- Earn 1 point 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 $100 NEXUS application credit once every 48 months (applies to supplementary cardholders too)
- $149 annual fee (first year fee waived for applying by January 3, 2023)
- $49 annual fee for a supplementary cardholder
- Earn 150,000 sign up bonus TD Rewards Points (earn 30,000 TD Rewards Points after the first purchase, earn 60,000 TD Rewards Points after spending $5,000 in the first 3 months and earn 60,000 TD Rewards Points after spending $2,500 each month in the first 12 months) (apply by January 3, 2023)
- Earn 9 TD Rewards Points for every $1 spent when booking travel online through ExpediaforTD.com
- Earn 6 TD Rewards Points for every $1 spent on foreign currency purchases, restaurant and regularly recurring bill payments
- Earn 2 TD Rewards Points for every $1 spent on all other purchases
February 2023
HSBC World Elite® MasterCard (non-QC residents only)*
- $149 annual fee (a full annual fee rebate for the primary cardholder for the first year* for applying before February 28, 2023)
- Authorized User Annual Fee: $50 Per Card
- Earn up to 80,000 points* (earn 20,000 Welcome Bonus points*, earn 40,000 points* for spending $6,000 within 6 months of account opening and earn 20,000 points* as an anniversary bonus) (apply before February 28, 2023)
- Earn 6 HSBC points for every $1 spent on all eligible travel purchases
- Earn 3 HSBC points for every $1 spent on all other eligible purchases
- Receive $100 annual travel enhancement credit*
- Receive a Boingo membership
- No foreign transaction fees (only the exchange rate will apply)
- Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management in Canada
- *Terms and Conditions apply
- ®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.
April 2023
Scotiabank Gold American Express
- $120 annual fee (first year fee waived) (apply before April 30, 2023)
- $29 annual fee for a supplementary cardholder
- Earn 45,000 sign up bonus Scene+ points (earn 25,000 after spending $1,000 in the first 3 months and an additional 20,000 points after spending $7,500 in the first year) (apply before April 30, 2023)
- Earn 6 points for every $1 spent at Chalo! FreshCo, Co-Op, Foodland, FreshCo, IGA, IGA West, Les Marchés Tradition, Rachelle Béry, Safeway, Sobeys, Thrifty Foods, Voilà par IGA, Voilà by Safeway, Voilà by Sobeys
- Earn 5 points for every $1 spent on grocery, dining, entertainment and daily transit
- Earn 3 points for every $1 spent on gas, transit, and select streaming services
- Earn these 6, 5 and 3 multiplier bonus points on the first $50,000 in annual spending cumulative of the above mentioned categories
- Earn 1 point for every $1 spent on all other purchases and thereafter
- No foreign transaction fees
- Have at least $12,000 in personal annual income
Scotia Momentum Visa Infinite Card
- $120 annual fee (first year fee waived) (apply before April 30, 2023)
- $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 April 30, 2023)
- 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
May 2023
TD First Class Travel Visa Infinite Card
- $139 annual fee (first year fee waived) (apply by May 28, 2023)
- $50 annual fee for supplementary cardholders
- Earn 145,000 sign up bonus TD Rewards Points after the first purchase (earn 20,000 TD Rewards Points after the first purchase and earn 115,000 TD Rewards Points after spending $5,000 within 180 days, earn a Birthday Bonus of up to 10,000 TD Rewards Points) (apply by May 28, 2023)
- Earn 8 TD Rewards Points for every $1 spent when booking travel online through Expedia for TD
- Earn 2 TD Rewards Points for every $1 spent on all other purchases
- Have at least $60,000 in personal annual income or $100,000 household income
TD Cash Back Visa Infinite Card
- $139 annual fee (first year fee waived if you apply by May 28, 2023)
- $50 annual fee for supplementary cardholders
- Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending) (apply by May 28, 2023)
- 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
July 2023
BMO Air Miles World Elite MasterCard
- $120 annual fee (first year fee waived) (apply before July 31, 2023)
- $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 July 31, 2023)
- Earn 1 Air Mile for every $10 on all purchases
- 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 July 31, 2023)
- 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 July 31, 2023)
- 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 July 31, 2023)
- Earn 10% more points for adding a supplementary cardholders
- Earn 60,000 sign up bonus BMO Reward points (earn 30,000 points after spending $3,000 in the first 3 months, and 2,500 points for each subsequent month after spending $2,000 for up to 12 months) (apply before July 31, 2023)
- 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 (first year fee waived) (apply before July 31, 2023)
- $50 annual fee for each supplementary card
- Earn 60,000 sign up bonus BMO Reward points (earn 30,000 points after spending $3,000 in the first 3 months, and 2,500 points for each subsequent month after spending $2,000 for up to 12 months) (apply before July 31, 2023)
- 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
December 2023
BMO Rewards Business MasterCard
- $120 annual fee (first year fee waived) (apply before December 31, 2023)
- $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 31, 2023)
- 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
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!
Does the BMO Airmiles World Elite card still come with two free passes? It doesn’t say anywhere on their website that this is still the case, only mention of complementary membership to dragon pass but you have to pay for access $32USD per person. Can anyone confirm
You are correct, there are no more free passes. The post has been updated to reflect this!