Meridian

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Best Current First Year Fee Waived Cards for July 2019

ByMatt

Many promotions ended in June, but new promotions are being offered in July. So the list has trimmed down quite a bit for this month.One card that I would pay closer attention to is the Scotia Momentum Visa Infinite Card, which currently has a $99 annual fee (first year fee waived if you apply before October 31, 2019). However, the annual fee goes up to $120 on August 1, 2019. I am going to assume that Scotiabank is going to honour the October 31st promotional period. But if you want to be safe, I would apply for this card before August 1 to take advantage of the current offer. See the other two monthly lists on how we highlighted the featured card:

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Best Current First Year Fee Waived Cards for May 2019

ByMatt

All the major TD promotions will be expiring (June 2, 2019) before the next monthly list comes out. Personally, I doubt that they will extend the promotions, they may be offering something else. So if you have been thinking about one of their cards, I would go for it sooner rather than later. I personally signed up for the TD Aeroplan Visa Infinite Card as I could use an Aeroplan restock. 

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Ranking the Credit Card Portfolios of Each Canadian Financial Institutions (updated May 1, 2019)

ByMatt

I have been debating how often I should update this post. I decided on 6 months, and it has been the latest trend anyway. There has been several changes (though mostly in the bottom half of the rankings) to the industry in that period of time to warrant an update anyway. Most significantly, it was time to include Brim Financial and Cuets.Every time I write up an update, I generally try to have a theme throughout the post. This time around, I am going to emphasis more on the gap between the rankings.Below are my personal rankings of each company, along with a commentary and a list of some of my top credit card picks for each financial institution.

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Best Current First Year Fee Waived Cards for April 2019

ByMatt

For this month’s list, you’ll notice many promotions that ended in February that are off this list. There are times when promotions get extended, but other times not. This goes to show that if you do see a promotion that you like to go for it, and not necessarily risk waiting for a better offer.As March comes to an end, this was the first full month where we started a new trend of featuring a top credit card on our monthly lists. See the other two monthly lists on how we highlighted the featured card:Top Cash Back Credit C

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Top Cash Back Credit Card Offers for April 2019

ByMatt

We are well into 2019 now and most of the 2018 offers expired by the end of March. Going forward, we are looking at new offers. The reason I mention this is because there tends to be a theme each other. For example, high sign up bonuses (2013, 2017), strong cash back (2018), etc. So I am trying to figure out what the theme is. For now, it seems like we are still riding the momentum of a strong 2018 cash back year. 

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Best Current First Year Fee Waived Cards for March 2019

ByMatt

For this month’s list, you’ll notice many promotions that ended in February that are off this list. There are times when promotions get extended, but other times not. This goes to show that if you do see a promotion that you like to go for it, and not necessarily risk waiting for a better offer. 

As March comes to an end, this was the first full month where we started a new trend of featuring a top credit card on our monthly lists. See the other two monthly lists on how we highlighted the featured card:

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Top Cash Back Credit Card Offers for March 2019

ByMatt

In my last top credit cards post, I started a new trend of mentioning featured cards in each list. I thought I’d keep it going. For this month, there are actually two cards that are tied.

Also keep in mind that we also have an going Top Cash Back Credit Cards page which consists of permanent and temporary offers, while this post focuses primarily on temporary offers.

Featured Cards
The Meridian Visa Infinite Cash Back Card and Scotia Momentum Visa Infinite Card have virtually the same offers, features and benefits. The two key are the first year fee waived and 10% cash back on the first $2,000 in purchases. The main difference is that the Meridian card does not seem to have an end-date on its offer, but the cards is only available to Ontario residents. The Scotiabank card is more widely accepted.

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Top Cash Back Credit Card Offers for February 2019

ByMatt

This is the first cash back list of the year. Just like our other two lists…

Best Current First Year Fee Waived Cards
Top Higher than Normal Sign Up Bonus Offers
… most of the current offers are carried over from last year. Last year was probably the stronger cash back offers ever in Canada. As we begin the new year, I am a little torn. I like seeing the competition elevate in the credit card rewards industry. However, the more emphasis there is on cash back, the less there will be on miles and points.

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Best Current First Year Fee Waived Cards for January 2019

ByMatt

Let’s get the New Year going with the latest first year fee waived cards. Having the first year fee waived is valuable because it allows people to try out a credit card without worrying about the fee before deciding whether the fee is warranted. 

Just like the other two lists, most of the current offers are carried over from last year. 

Top Cash Back Credit Card Offers
Top Higher than Normal Sign Up Bonus Offers

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Top Cash Back Credit Card Offers for January 2019

ByMatt

This is the first cash back list of the new year, so expect that most of the offers are carried over from 2018.

I must say, 2018 was an amazing year for cash back credit cards. Can they top it this year?

Personally, I still rather collect miles and points. So my hope is that the competitive cash back market is going to put pressure on partnerships with airlines and hotels to up their game. That being said, I feel slightly pessimistic about this hope because it does seem like the industry is going to continue to shift towards more cash back. Here’s hoping that I am wrong!