Toronto Dominion (TD)

Top Credit Card Higher than Normal Sign Up Bonuses for December 2019

ByMatt December 5, 2019September 20, 2023

Most offers this month started in November, since many promotions ended in October. So the majority of this list is carry-over from last month and end sometime in 2020 (GASP! Already almost the new year). For the most part, it was TD that ended their offers and created some new ones that run for the next few months.

Top Higher than Normal Sign Up Bonuses for December 2019

Best Current First Year Fee Waived Cards for November 2019

ByMatt November 25, 2019September 20, 2023

Quite a few offers ended last month, but most offers got extended for this month. 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…

Top Credit Card Higher than Normal Sign Up Bonuses for November 2019

ByMatt November 5, 2019September 20, 2023

Quite a few promotions ended at the end of October, but most promotions either got extended or repurposed.

Top Higher than Normal Sign Up Bonuses for November 2019

For the rest of the credit cards, I ranked the credit cards by the price of the annual fees (lowest to highest):

Bank of Montreal (BMO) | Meridian | Scotiabank | Toronto Dominion (TD)

Best Current First Year Fee Waived Cards for October 2019

ByMatt October 25, 2019September 20, 2023

Quite a few offers are ending at month end, so if you are still thinking about it, now is your last chance to jump on the current offers. I am excited to see what is going to be offered in November. I expect some offers to be extended, but others to surface. If not, this list could be real short next month.

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.

Top Cash Back Credit Card Offers for October 2019

ByMatt October 15, 2019April 6, 2020

You will notice for this month’s list, there are quite a few promotional offers that finish at month end. So if you are interested in something, now would be the time to jump on the offers. There is no way to know what will happen come November 1, 2019. Some offers can be extended (e.g. TD cash back offer from last month), terminated or changed something else.

I have split the list into two categories. One with a limited time (but no end date offer) and another one with a limited time offer.

Bank of Montreal (BMO) | Canadian Imperial Bank of Commerce (CIBC) | HSBC | Scotiabank | Toronto Dominion (TD)

Top Credit Card Higher than Normal Sign Up Bonuses for October 2019

ByMatt October 6, 2019September 20, 2023

Another month, but barely any changes from last month. However, most offers end at the end of the most. So if you are thinking about certain cards, you may want to consider getting them now. Chances are, some cards may extend their promotions, are offer something new. But if you have been on the fence about certain offers, this is the last month.

At the moment, the competition is mainly between BMO, CIBC, Scotiabank and TD. Would love to see some of the other credit card companies step up their game.

Bank of Montreal (BMO) | Meridian | Royal Bank of Canada (RBC) | Scotiabank | Toronto Dominion (TD)

Best Current First Year Fee Waived Cards for September 2019

ByMatt September 25, 2019September 20, 2023

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.

Top Cash Back Credit Card Offers for September 2019

ByMatt September 15, 2019April 6, 2020

For September’s list, quite a few National Bank credit card offers have been added to the list. Only one offer is expiring before the end of the month, otherwise most offers run until the end of October.

Bank of Montreal (BMO) | Canadian Imperial Bank of Commerce (CIBC) | Scotiabank | Toronto Dominion (TD)

Top Credit Card Higher than Normal Sign Up Bonuses for September 2019

ByMatt September 5, 2019September 20, 2023

The changes from last time include two of TD offers ending, but they started some new ones. Furthermore, the BMO SPC card has been discontinued completely. Most offers listed below end on October 31, 2019, so if you are still thinking about the cards, there is still time.

Bank of Montreal (BMO) | Meridian | Scotiabank | Toronto Dominion (TD)

Best Current First Year Fee Waived Cards for August 2019

ByMatt August 25, 2019September 20, 2023

Not a whole lot of changes this month, except for an updated version of the Scotia Momentum Visa Infinite Card. The most significant change was to its multiplier bonuses, which might be more attractive to some people. The downside is that the annual fee has increased, but there is still a first year fee waived offer. If you want to give the new card a try, but is as good as time as ever.