Toronto Dominion (TD)

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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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Top Credit Card Higher than Normal Sign Up Bonuses for December 2021

ByMatt

The RBC offers ended last month, but were extended to April 2022. That being said, several TD offers expire today. So if you have been thinking about these offers, today is the day to go for it. 

Furthermore, the National Bank offers are expiring before the end of the month. 

Top Higher than Normal Sign Up Bonuses for December 2021

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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.

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Top Credit Card Higher than Normal Sign Up Bonuses for November 2021

ByMatt

For this month’s list, most of the BMO promotions that expired last month were pushed to December of 2022. While the RBC and a couple of Scotiabank promotions are set to expire this month. 

Top Higher than Normal Sign Up Bonuses for November 2021

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Best Current First Year Fee Waived Cards for October 2021

ByMatt

For this month, some minor changes, including HSBC coming up with a new offer that runs until the end of January 2022. All of the BMO and Scotiabank offers have already been extended, so they will not be coming to an end as quickly as mentioned in last month’s list. That leaves only Laurentian and Brim cards expiring this month. Granted, Brim continues to extend their offer one month at a time. It has been going on for over a year now. 

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Top Credit Card Higher than Normal Sign Up Bonuses for October 2021

ByMatt

For this month’s list, several BMO promotions are about to expire. They usually either extend their promotions or offer something different. So if you have been contemplating any of those cards at their current offers, now is the time to go for it. Also, I would pay closer attention to the Scotiabank Passport Visa Infinite Card, which currently has a first year fee waived offered as well. They have never offered the fee waiver before since the card was introduced, so if you have been thinking about this card, this is the month to get it.

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Top Credit Card Higher than Normal Sign Up Bonuses for September 2021

ByMatt

The Scotiabank Gold American Express promotion that expired last month got extended to November, while the RBC WestJet World Elite MasterCard had a slight change to its offer that now expires in January. 

As for this month, there are several promotions expiring from American Express, HSBC and RBC.

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Best Current First Year Fee Waived Cards for August 2021

ByMatt

All the TD offers that expired in the last list were extended and/or modified until December 5, 2021. Only the business card came off the list. 

For this month, I would look into the 10% and first year fee waived offer with the Scotia Momentum Visa Infinite Card which is expiring.

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Top Credit Card Higher than Normal Sign Up Bonuses for August 2021

ByMatt

For this month, various RBC offers were set to expire last month, but were extended to later in the year. American Express offers came off the list this month, granted they now have different permanent offers. Several offers are about to expire this month, namely the Scotiabank Gold American Express. If you have been contemplating any of the August offers, this is the month to get them. 

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Best Current First Year Fee Waived Cards for July 2021

ByMatt

The Laurentian Bank Visa Dollars and Brim World Elite MasterCard promotions expired last month, but got extended.

But the most significant addition to this month’s list is the Scotiabank Passport Visa Infinite Card, which is the first time we have seen this credit card fee waived, along with the supplementary card too. If you have been thinking about getting this card, now as the best time to go for it!