Best Current First Year Fee Waived Cards for September 2019

First year fee waived offers are amazing, because it allows you to try a card for one year (less one day) without incurring an annual fee. Once you get used to it, you can decide whether you want to continue with the card the subsequent years. Often times, cards offer enough additional benefits to justify paying the annual fee year after year. Other times, not so much.

For this month, I am going with the featured card theme, as there is a card that I did not ever expect to waive its annual fee.

Featured Card

The RBC WestJet World Elite MasterCard has a special link where you can get the first year fee waived, but you do have to apply before the end of the month to take advantage of this.

Ongoing Offers

The reason I left this list (ongoing offers) up is that there are so few (just 2 really) permanent first year fee waived offers. So they are worthy of being highlighted. Meridian Bank is the only company willing to do this at the moment. Granted, the terms and conditions do say that the offers are limited time, but with no specific end date.

Also note that Meridian cards used to only be available to Ontario residents, but now they expanded to the rest of Canada (except Quebec).

Meridian Visa Infinite Cash Back Card

• $99 annual fee (first year fee waived)
• $30 annual fee for supplementary cardholders
• Earn 10% on all purchases (for the first 3 months, up to $2,000 in spending)
• Earn 4% cash back on gas and grocery store purchases (on the first $25,000 in purchases, then 1% for all other purchases)
• Earn 2% pharmacy purchases and utility bill payments (on the first $25,000 in purchases, then 1% for all other purchases)
• Earn 1% cash back on all other purchases
• Require either $60,000 annual personal income or $100,000 annual household income
• Cash back awarded as an account credit

Meridian Visa Infinite Travel Rewards Card

• $99 annual fee (first year fee waived)
• $30 annual fee for a supplementary cardholder
• Earn 3 points for every $1 of net purchases in foreign currencies
• Earn 1.5 points for every $1 of net purchases
• Have at least $60,000 in personal annual income or $100,000 in annual household income

Limited time Offers

Below are the offers with a specified end date.

Scotiabank GM Visa Infinite Card

• $79 annual fee (first year fee waived if you apply before October 31, 2019)
• 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

RBC WestJet World Elite MasterCard

Scotia Momentum Visa Infinite Card

BMO Rewards Business MasterCard

• $120 annual fee (waived the first year if you apply before October 31, 2019)
• $50 annual fee for a supplementary cardholder
• Earn 35,000 sign up bonus points after spending $5,000 in the first 3 months (if you apply before October 31, 2019)
• Earn $100 travel credit card spending $100 on travel (if you apply before February 28, 2019)
• 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 Air Miles World Elite MasterCard

• $120 annual fee (waived the first year if you apply before October 31, 2019)
• $50 annual fee for a supplementary cardholder
• Earn 3,000 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 March 31, 2019)
• 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

TD Aeroplan Visa Infinite Card

• $120 annual fee (waived the first year if you apply before December 1, 2019)
• $50 annual fee for a supplementary cardholder
• Earn 40,000 sign up bonus miles (earn 15,000 miles after the first purchase and earn 2x the miles, up to 20,000 in bonuses and additional 5,000 for adding an authorized user) (if you apply before December 1, 2019)
• 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 December 1, 2019)
• Earn 90,000 sign up bonus points (earn 20,000 points after the first purchase and earn 2x the points, up to 60,000 in bonuses and additional 10,000 for adding an authorized user)(if you apply before December 1, 2019)
• Earn 9 points for every $1 spent on 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

BMO World Elite MasterCard