Best Current First Year Fee Waived Cards for January 2023
For this month, National Bank moved its offer to end in June 2023 and TD moved their offer to May 2023, while the HSBC offer is coming to an end.
Limited Time First Year Fee Waived Offers
HSBC
Bank of Montreal (BMO) | HSBC | Rogers Bank | Scotiabank | Simplii Financial | Tangerine | Toronto Dominion (TD)
Current 10% and Above Cash Back Offers for January 2023
For this month, Tangerine extended its offer that expired last month to expire this month instead. The rest of the offers remain the same.
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.
Bank of Montreal (BMO) | HSBC | National Bank | Royal Bank of Canada (RBC) | Scotiabank | Toronto Dominion (TD)
Top Credit Card Higher than Normal Sign Up Bonuses for January 2023
For this month’s list, quite a few offers (between Scotiabank and TD) expired on January 3, 2023. While National Bank and RBC have promotions expiring before the end of the month. Scotiabank pushed its offer till the end of the month, while TD modified some of their offers and now expiry in May.
Best Current First Year Fee Waived Cards for December 2022
For this month, there are no changes until next month’s list. Every thing stayed the same from last month.
Limited Time First Year Fee Waived Offers
Current 10% and Above Cash Back Offers for December 2022
For this month, the offers with BMO and Tangerine from last month that were expiring have all been extended. Now the Tangerine offers are set to expiry before month end.
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.
Alterna Savings | American Express (AMEX) | Bank of Montreal (BMO) | Brim Financial | Canadian Imperial Bank of Commerce (CIBC) | Canadian Tire | Capital One | Desjardins | Home Trust | HSBC | ICICI Bank | Laurentian Bank | Manulife | MBNA | Meridian | National Bank | Neo Financial | Plastk | President's Choice Financial (PC Financial) | Rogers Bank | Royal Bank of Canada (RBC) | Scotiabank | Simplii Financial | Tangerine | Toronto Dominion (TD) | Walmart Financial
Ranking the Credit Card Portfolios of Each Canadian Financial Institutions (updated December 12, 2022)
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.
Bank of Montreal (BMO) | HSBC | National Bank | Royal Bank of Canada (RBC) | Scotiabank | Toronto Dominion (TD)
Top Credit Card Higher than Normal Sign Up Bonuses for December 2022
For this month’s list, there were only really changes to the RBC offers, which extended the expiry of their promotions.
RBC Potentially Buying out HSBC Canada
Royal Bank of Canada (RBC) is looking to complete a mega deal by purchasing HSBC Canada, who has 130 branches and 4,200 full time employees in Canada servicing some 780,000 customers. This massive deal can come out to $13.5 billion CAD. There are going to be a lot of hurdles along the way before this gets finalized. But if it has been announced in the news, it usually means that it is moving along.
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
Bank of Montreal (BMO) | HSBC | Rogers Bank | Scotiabank | Simplii Financial | Tangerine | Toronto Dominion (TD)
Current 10% and Above Cash Back Offers for November 2022
For this month, there were quite a few changes relatively speaking. First of all, most of the previous month expiring offers were extended by a few months longer. The BMO Business and Tangerine offers will be coming to an end before it makes it to the next monthly list. Also, we added the Rogers Connections card in the permanent offers section.