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Best Current First Year Fee Waived Cards for July 2019

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:

Limited time offers with no end date

For these cards, 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)
  • $30 annual fee for supplementary cardholders
  • Earn 10% on all purchases (for the first 3 months, up to $2,000 in spending)
  • 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
  • Require either $60,000 annual personal income or $100,000 annual household income
  • Cash back awarded as an account credit
  • Available to Ontario residents only

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.

Scotiabank GM Visa Infinite Card

  • $79 annual fee (first year fee waived if you apply before October 31, 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 October 31, 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 April 30, 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

BMO Air Miles World Elite MasterCard

  • $120 annual fee (waived the first year if you apply before October 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 September 3, 2019)
  • $50 annual fee for a supplementary cardholder
  • Earn 25,000 sign up bonus Aeroplan miles (if you apply before September 3, 2019), earn 15,000 miles after the first purchase and earn an additional 10,000 miles after spending $2,000 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

TD First Class Travel Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before September 3, 2019)
  • Earn 80,000 sign up bonus points (if you apply before September 3, 2019); earn 20,000 after the first purchase and another 40,000 after spending $2,000 in the first 3 months and 10,000 after making $10,000 within 12 consecutive months
  • Earn 9 points for every $1 spent on Expedia
  • Earn 3 points for every $1 spent on all other purchases
  • Have at least $60,000 in personal annual income or $100,000 household income

BMO World Elite MasterCard

  • $150 annual fee (waived the first year if you apply before October 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)
  • 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

If you would like to see other lists or if I am missing any offers, 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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