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Best Current First Year Fee Waived Cards for October 2020

Several offers ending (see October 2020 and November 2020 cards) on this list that would not make it to next month’s list. So if you are thinking about a specific offer, you may want to go for it now.

Keep in mind that this post refers to temporary offers. We also have an ongoingly updated Top Credit Cards pages that includes permanent first year fee waived offers too. Here are some of the more relevant ones that are more related to this post:

Limited Time First Year Fee Offers for October 2020

We have listed the cards different going forward. From now on, cards are listed based on the expiry dates. So most recent ones first. If there is a tie break, then it will be listed by their annual fees, from lowest to highest. Furthermore, a subtitle is now added which specifies which month the cards are ending.

October 2020

Laurentian Bank Visa Dollars

  • $65 annual fee (first year fee waived if you apply before October 31, 2020)
  • No annual fee for a supplementary cardholder
  • Earn 6% cash back on gas and grocery purchases (within the 3 months, up to $2,000 in spending) (if you apply before October 31, 2020)
  • Earn 3% cash back on pre-authorized debits
  • Earn 2% cash back on gas and grocery
  • Earn 1% cash back on all other purchases

Scotiabank GM Visa Infinite Card

  • $79 annual fee (first year fee waived if you apply before October 31, 2020)
  • 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

Brim World Elite MasterCard

  • $199 annual fee (first year fee waived if you apply before October 31, 2020)
  • $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

November 2020

TD Aeroplan Visa Platinum Credit Card

  • $89 annual fee (first year fee waived if you apply before November 7, 2020)
  • $35 annual fee for supplementary cardholders
  • Earn 20,000 sign up Aeroplan bonus miles after the first purchase (earn 10,000 miles after the first purchase and 10,000 miles after spending $1,000 within the first 90 days) (if you apply before November 7, 2020)
  • Earn 1 mile for every $1 spent at drug stores, gas and grocery
  • Earn 1 mile for for every $1.50 spent on all other purchases

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before November 1, 2020)
  • $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 April 30, 2020)
  • 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 Cash Back Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before November 7, 2020)
  • $50 annual fee for supplementary cardholders
  • Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending) (if you apply before November 7, 2020)
  • 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

  • $120 annual fee (first year fee waived if you apply before November 7, 2020)
  • $50 annual fee for supplementary cardholders
  • Earn 25,000 sign up Aeroplan bonus miles after the first purchase (earn 15,000 miles after the first purchase and 10,000 miles after spending $1,500 within the first 90 days) (if you apply before November 7, 2020)
  • Earn 1.5 mile for every $1 spent on gas, grocery, drugstore and aircanada.com purchases
  • Earn 1 mile for every $1 spent on all other purchases
  • Receive 1 free checked bag when travelling on an Aeroplan reward flight
  • Receive 1 annual Maple Leaf Lounge guest pass when travelling on an Aeroplan reward flight operated by Air Canada
  • Receive priority check-in and priority boarding (with Aeroplan reward flight)
  • 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 November 7, 2020)
  • $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 November 7, 2020)
  • 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

December 2020

HSBC World Elite MasterCard

  • $149 annual fee (first year fee waived if you apply before December 28, 2020; except Quebec)
  • Earn 130,000 sign up bonus points (Quebec only), (if you apply before December 28, 2020) (earn 20,000 after the first purchase and earn 110,000 bonus points after spending $5,000 in the first 180 days)
  • Earn 100,000 sign up bonus points (rest of Canada), (if you apply before December 28, 2020); earn 20,000 after the first purchase and earn 80,000 bonus points after spending $5,000 in the first 180 days)
  • Receive $100 annual travel enhancement credit
  • Earn 6 HSBC points for every $1 spent on travel purchases
  • Earn 3 HSBC 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 Premier World Elite MasterCard

  • $149 annual fee (first year fee waived if you apply before December 28, 2020; except Quebec)
  • Earn 120,000 sign up bonus points (Quebec only), (if you apply before December 28, 2020) (earn 20,000 after the first purchase and earn 100,000 bonus points after spending $5,000 in the first 180 days)
  • Earn 100,000 sign up bonus points (rest of Canada), (if you apply before December 28, 2020); earn 20,000 after the first purchase and earn 80,000 bonus points after spending $5,000 in the first 180 days)
  • Receive $100 annual travel enhancement credit
  • Earn 6 HSBC points for every $1 spent on travel purchases
  • Earn 3 HSBC 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

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 World Elite MasterCard

  • $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!

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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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