Brim Financial

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Ranking the Credit Card Portfolios of Each Canadian Financial Institutions (updated December 26, 2023)

ByMatt

Since the start of the decade (2022, 2021, 2020), we managed to update this list every December, mine as well keep going.

There were quite a few major changes in the industry, so there was some shift in the rankings. They are now divided in the 3 groups: top 5, from 6 to 10, and the rest.

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Rundown of Air France KLM Flying Blue for Canadians (updated February 10, 2023)

ByMatt

Air France KLM has really upped their game in terms of expanding their presence in Canada, which definitely warrants a full blown post. Today, we are going to provide a rundown of how relevant Air France KLM is to Canadians by going through some of the features of its Flying Blue frequent flyer program.

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Ranking the Credit Card Portfolios of Each Canadian Financial Institutions (updated December 12, 2022)

ByMatt

For the most part, 2022 was a relatively quiet year in terms of changes to the credit card industry (in terms of permanent offers). There was a significant amount of all-time high sign up bonuses, which do not factor into our ranking system. Our rankings are based on the intention of retaining credit cards for the long term, not based on churning.

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Best Current First Year Fee Waived Cards for November 2022

ByMatt

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

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Best Current First Year Fee Waived Cards for February 2022

ByMatt

For this month, all the promotions that expired last month were extended. Brim and Laurentian Bank extended its offer last month to expire this month, while HSBC pushed it to early April.

That leaves several Scotiabank offers expiring this month. 

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Best Current First Year Fee Waived Cards for January 2022

ByMatt

For this month, several offers are coming to an end, notably the HSBC offers. Aside from that, Canada has a healthy amount of first year fee waived promotional offers overall with BMO, Scotiabank and TD leading the way. Hope to see other companies jump on board! 

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Best Current First Year Fee Waived Cards for December 2021

ByMatt

TD had most of their promotion ending from last month’s list, but they ended up extending most of their offers to March 2022 (with some minor tweaks to the offer) or May 2022.

The Brim offer is coming to an end this month. Usually they extended it by 1 month at a time. This time around, they extended by a rare 2 months in one shot, so there is a chance this will really come to an end this time. Or maybe they will offer something different instead starting January. Either way, if you have been thinking about this card for a while now, as is as good a time as any to go for it. 

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Ranking the Credit Card Portfolios of Each Canadian Financial Institutions (updated December 21, 2021)

ByMatt

It has been just over a year since our last update (December 1, 2020) of the rankings list. The timing works well to update again this month, since we are coming to the end of the year. Now we get a snapshot of 2021, as we head into 2022.

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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.