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Best Current First Year Fee Waived Cards for February 2019

Another month, another list. Several promotions are expiring in a few days. There is always the chance that they could extend a promotion or offer something better. But if you do not want to take the risk, then you will want to sign up very soon as the end of the month is fast approaching. And February is the short month.

Furthermore, the list has started expanding since the new year. You will notice that I added a few offers to this list.

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

For this list, I have broken them up into two categories.

Limited time offers with no end date

This is the newest list that I added, since there are at least two credit cards that fit this criteria. Since there is no specific end date, it may very well terminate without notice.

Meridian Visa Infinite Cash Back Card

  • $99 annual fee (first year fee waived for a limited time)
  • $30 annual fee for supplementary cardholders
  • Earn 4% cash back on gas and grocery store purchases (on the first $25,000 in purchases, then 1% for all other purchases)
  • Earn 2% pharmacy purchases and utility bill payments (on the first $25,000 in purchases, then 1% for all other purchases)
  • Earn 1% cash back on all other purchases
  • Have at least $60,000 in personal annual income or $100,000 in annual household income

Meridian Visa Infinite Travel Rewards Card

  • $99 annual fee (first year fee waived for a limited time)
  • $30 annual fee for a supplementary cardholder
  • Earn 3 points for every $1 of net purchases in foreign currencies
  • Earn 1.5 points for every $1 of net purchases
  • Have at least $60,000 in personal annual income or $100,000 in annual household income

Limited time offers with an end date

Below are the offers with a specified end date. Though many of the cards tend to extend their promotional period as one ends.

CIBC U.S. Dollar Aventura Gold Visa Card

  • $35 annual fee (first year fee waived if you apply before February 28, 2019)
  • Earn 2,500 bonus sign up bonus Aventura points
    Earn 500 bonus Aventura points for completing each of the activities below within 60 days of your U.S. Dollar Aventura Gold Visa account approval
  • Earn 1 point for every $1 spent on travel purchased through the CIBC Rewards Centre
  • Earn 1 point for every $2 spent on all other purchases
  • Have at least $15,000 in personal annual income

Scotiabank GM Visa Infinite Card

  • $79 annual fee (first year fee waived if you apply before February 28, 2019)
  • Earn 5% cash back in GM Earnings on the first $10,000 spent annually on all purchases
  • Earn 2% cash back in GM Earnings on all purchases after the first $10,000
  • Cash back to be used for the purchase price or lease of a Chevrolet, Buick, GMC, or Cadillac
  • Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management

Scotia Momentum Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before February 28, 2019)
  • $30 annual fee for a supplementary cardholder
  • Earn 10% cash back on first $2,000 in spending or within the first 3 months (whichever is completed first) (if you apply before February 28, 2019)
  • Earn 4% cash back for every $1 spent on gas and grocery purchases
  • Earn 2% cash back for every $1 spent on drug store purchases and recurring bill payments
  • Earn 1% cash back for every $1 spent on all other purchases
  • Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management

BMO Rewards Business MasterCard

  • $120 annual fee (waived the first year if you apply before October 31, 2019)
  • $50 annual fee for a supplementary cardholder
  • Earn 35,000 sign up bonus points after spending $5,000 in the first 3 months (if you apply before October 31, 2019)
  • Earn $100 travel credit card spending $100 on travel (if you apply before February 28, 2019)
  • Earn 3 BMO Reward points for every $1 spent on gas, office supplies, cell phone and internet recurring payments
  • Earn 1.5 BMO Reward points for every $1 spent on all purchases

CIBC Aventura Gold Visa Card

  • $120 annual fee (first year fee waived if you apply by February 28, 2019)
  • Earn 20,000 sign up bonus Aventura points (earn 15,000 points after the first purchase, earn 5,000 points after spending $1,000 in the first 4 months) (if you apply before February 28, 2019)
  • Earn 2 points on purchases made with the CIBC Aventura Rewards Centre
  • Earn 1.5 point for every $1 spent on gas, groceries, drug stores and at select CIBC bonus rewards Establishments
  • Earn 1 point for every $1 on all other purchases
  • Have at least $15,000 in personal annual income

CIBC Aventura Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before February 28, 2019)
  • $50 annual fee for a supplementary cardholder (maximum of 3 cards)
  • Earn 20,000 sign up bonus Aventura points (earn 15,000 points after the first purchase, earn 5,000 points after spending $1,000 in the first 4 months) (if you apply before February 28, 2019)
  • Earn 2 points for every $1 spent on purchases made with the CIBC Rewards Centre
  • Earn 1.5 point for every $1 spent on gas, groceries and drug stores
  • Earn 1 point for every $1 spent on all other purchases
  • Receive 4 free Priority Pass visits
  • Rebate $100 (up to) on NEXUS application once every 4 years
  • Have at least $60,000 in personal annual income or $100,000 in annual household income

CIBC Aventura Visa Card for Business

  • $120 annual fee (first year fee waived if you apply before February 28, 2019)
  • $50 annual fee for a supplementary cardholder (up to 9 maximum)
  • Earn 35,000 sign up bonus points after the first purchase (earn 20,000 points after the first purchase, earn 15,000 points after spending $3,000 in the first 4 months) (if you apply before February 28, 2019)
  • Earn 2 points for every $1 spent on the CIBC Aventura Rewards Centre
  • Earn 1.5 point for every $1 you spend on gas and travel purchases
  • Earn 1 point for every $1 spent on all purchases
  • Have at least $35,000 in personal annual income

BMO Air Miles World Elite MasterCard

  • $120 annual fee (waived the first year if you apply before March 31, 2019)
  • $50 annual fee for a supplementary cardholder
  • Earn 3,000 sign up bonus Air Miles (earn 1,000 sign up bonus and 2,000 more after spending $3,000 in the first 3 months) (if you apply before March 31, 2019)
  • Earn 1 Air Mile for every $10 on all purchases
  • Receive 2 free lounge passes with MasterCard Airport Experiences
  • Receive a Companion Flight Rebate Offer (by booking any two flights, one way or return, through airmiles.ca)
  • Have at least $80,000 in personal annual income or $150,000 in annual household income

TD Aeroplan Visa Infinite Card

  • $120 annual fee (waived the first year if you apply before June 2, 2019)
  • $50 annual fee for a supplementary cardholder
  • Earn 30,000 sign up bonus Aeroplan miles (if you apply before June 2, 2019), earn 15,000 miles after the first purchase and earn an additional 15,000 miles after spending $1,000 in the first 90 days
  • Earn 1.5 mile for every $1 spent on gas, grocery, drugstore and aircanada.com purchases
  • Earn 1 mile for every $1 spent on all other purchases
  • Receive 1 free checked bag when travelling on an Aeroplan reward flight
  • Receive 1 annual Maple Leaf Lounge guest pass when travelling on an Aeroplan reward flight operated by Air Canada
  • Receive priority check-in and priority boarding (with Aeroplan reward flight)
  • Have at least $60,000 in personal annual income or $100,000 in annual household income

RBC Visa Infinite Avion Card

  • $120 annual fee (first year fee waived if you apply before February 28, 2019)
  • $50 annual fee for a supplementary cardholder
  • Earn 25,000 sign up bonus points (earn 15,000 upon approval and another 10,000 after spending $1,000 in the first 3 mnoths) (if you apply before January 2, 2019)
  • Earn up to 5 points for every $1 spent on the RBC Rewards eMall
  • Earn 1.25 point for every $1 spent on eligible travel related purchases
  • Earn 1 point for every $1 spent on all other purchases
  • Have at least $60,000 in personal annual income or $100,000 in annual household income

HSBC World Elite MasterCard

  • $149 annual fee (first year fee waived if you apply before March 31, 2019; except Quebec)
  • No annual fee for supplementary cardholders
  • (Quebec Only) Earn 60,000 sign up bonus sign up bonus points (if you apply before March 31, 2018). Earn 20,000 upon approval and another 40,000 points after spending $1,000 within 90 days)
  • (Rest of Canada) Earn 30,000 sign up bonus sign up bonus points (if you apply before March 31, 2018). Earn 20,000 upon approval and another 10,000 points after spending $1,000 within 90 days)
  • Earn 6 HSBC points for every $1 spent on travel purchases
  • Earn 3 HSBC points for every $1 spent on all other purchases
  • Receive $100 annual travel enhancement credit
  • Receive a Boingo membership
  • No foreign transaction fees
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management.

BMO World Elite MasterCard

  • $150 annual fee (waived the first year if you apply before March 31, 2019)
  • $50 annual fee for each supplementary card
  • Earn 35,000 sign up bonus BMO Reward points (after spending $3,000 in the first 3 months) (if you apply before March 31, 2019)
  • Receive $100 travel credit (if you apply before February 28, 2019)
  • Earn 3 points for every $1 spent on travel, dining and entertainment purchases
  • Earn 2 points for every $1 spent on all other purchases
  • Receive 4 free lounge passes with MasterCard Airport Experiences
  • Have at least $80,000 in personal annual income or $150,000 household income

National Bank World Elite MasterCard 

  • $150 annual fee (waived the first year if you apply before March 31, 2019)
  • Earn 2,000 bonus points by booking a trip through À la carte Travel (book before March 15, 2019)
  • Earn 1.5 point for all purchases
  • Earn 1.5 points per dollar in purchases (on the first $0 to $40,000 in purchases in an anniversary year)
  • Earn 2 points per dollar in purchases (on the next $40,001 to $80,000 in an anniversary year)
  • Earn 1.5 points per dollar in purchases (on $80,001 and more in purchases in an anniversary year)
  • Received $250 on seat selection, airport parking and baggage fees (annually)
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management. Or $25,000 in minimum purchases per year (existing client only)

If you would like to see other lists or if I am missing any promotions, please let us know in the comment section below!

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

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