Bank of Montreal (BMO)

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Best Current First Year Fee Waived Cards for October 2019

ByMatt

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.

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Top Cash Back Credit Card Offers for October 2019

ByMatt

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.

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

ByMatt

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. 

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Best Current First Year Fee Waived Cards for September 2019

ByMatt

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. 

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Top Cash Back Credit Card Offers for September 2019

ByMatt

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. 

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

ByMatt

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. 

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Best Current First Year Fee Waived Cards for August 2019

ByMatt

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.

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Top Cash Back Credit Card Offers for August 2019

ByMatt

Another month, another list. This time, there is very little change from last month. There were months where I tried to highlight a featured card, or picked a top monthly card. I think that I may go with a rotating theme just to mix things up. For this month, I am going to answer a common question: “If I had to choose 1 cash back card only, which one would it be?”

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

ByMatt

Most significant offers ended in June, and the next big batch ends on October 31, 2019. However, there are some TD promotions ending September 3, 2019, which would be before my next update. So if you are thinking about signing up for those cards, you may want to move fast before the offer expires. 

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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: