Bank of Montreal (BMO)

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Current 10% and Above Cash Back Offers for December 2021

ByMatt

There was only one change to this month’s list. Tangerine had their two 15% cash back offers extended to the end of January.

Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers if you wish to see a more complete list of cards, not just cards that offer at least 10% cash back.

Note that we have split up the list into temporary (limited time) and permanent offers (indefinite, but can end any time without notice).

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Top Credit Card Higher than Normal Sign Up Bonuses for December 2021

ByMatt

The RBC offers ended last month, but were extended to April 2022. That being said, several TD offers expire today. So if you have been thinking about these offers, today is the day to go for it. 

Furthermore, the National Bank offers are expiring before the end of the month. 

Top Higher than Normal Sign Up Bonuses for December 2021

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Best Current First Year Fee Waived Cards for November 2021

ByMatt

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.

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Current 10% and Above Cash Back for November 2021

ByMatt

This is the last month for the record high 15% cash back offer with Tangerine’s 2 cards: Tangerine Money-Back Credit Card and Tangerine World MasterCard. Now the 10% cash back offers with Scotiabank and BMO seem less significant, but they are also expiring this month as well. 

Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers if you wish to see a more complete list of cards, not just cards that offer at least 10% cash back.

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Top Credit Card Higher than Normal Sign Up Bonuses for November 2021

ByMatt

For this month’s list, most of the BMO promotions that expired last month were pushed to December of 2022. While the RBC and a couple of Scotiabank promotions are set to expire this month. 

Top Higher than Normal Sign Up Bonuses for November 2021

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Best Current First Year Fee Waived Cards for October 2021

ByMatt

For this month, some minor changes, including HSBC coming up with a new offer that runs until the end of January 2022. All of the BMO and Scotiabank offers have already been extended, so they will not be coming to an end as quickly as mentioned in last month’s list. That leaves only Laurentian and Brim cards expiring this month. Granted, Brim continues to extend their offer one month at a time. It has been going on for over a year now. 

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Top Credit Card Higher than Normal Sign Up Bonuses for October 2021

ByMatt

For this month’s list, several BMO promotions are about to expire. They usually either extend their promotions or offer something different. So if you have been contemplating any of those cards at their current offers, now is the time to go for it. Also, I would pay closer attention to the Scotiabank Passport Visa Infinite Card, which currently has a first year fee waived offered as well. They have never offered the fee waiver before since the card was introduced, so if you have been thinking about this card, this is the month to get it.

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Best Current First Year Fee Waived Cards for September 2021

ByMatt

For this month’s list, the HSBC promotions are set to expire in 2 days, so if you have been thinking about it, now is the time to go for it. While the Brim World Elite MasterCard continues to be extended on a monthly basis, so there is no way to know when the extensions will end.

National Bank has added 3 credit cards to this month’s list (see more details in the “November 2021” section): 

National Bank Platinum Mastercard
National Bank World Mastercard
National Bank World Elite Mastercard

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Current 10% Cash Back Portfolio for September 2021

ByMatt

This 10% cash back monthly post is being published 1 day earlier than normal because both the Tangerine Money-Back Credit Card and Tangerine World MasterCard have an offer that expires today. So we wanted to give everyone one last reminder to apply for it if you are thinking about it. Meanwhile, the Scotia Momentum Visa Infinite Card offer that expired last month has been extended.