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Best Current First Year Fee Waived Cards for November 2019

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 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.

Also note that Meridian cards used to only be available to Ontario residents, but now they expanded to the rest of Canada (except Quebec).

Meridian Visa Infinite Cash Back Card

  • $99 annual fee (first year fee waived)
  • $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
  • Require either $60,000 annual personal income or $100,000 annual household income
  • Cash back awarded as an account credit

Meridian Visa Infinite Travel Rewards Card

  • $99 annual fee (first year fee waived)
  • $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

Below are the offers with a specified end date.

Scotiabank GM Visa Infinite Card

  • $79 annual fee (first year fee waived if you apply before March 1, 2020)
  • 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

CIBC Dividend Visa Platinum Card

  • $99 annual fee (first year fee waived if you apply before March 1, 2020)
  • $30 annual fee for a supplementary cardholder (maximum 3 cards)
  • Earn 10% cash back (on first $2,000 in spending up to the first 4 months, if you apply before March 1, 2020)
  • Earn 4% cash back on gas and grocery purchases
  • Earn 2% cash back on Tim Hortons and TELUS purchases
  • Earn 1% cash back on all other purchases
  • Cash back awarded automatically on the December statement

Note, the 4% and 2% cash back are on the first $80,000 in total purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account, whichever comes first.

CIBC Dividend Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before March 1, 2020)
  • $30 annual fee for a supplementary cardholder (maximum 3 cards)
  • Earn 10% cash back (on first $2,000 in spending up to the first 4 months, if you apply before March 1, 2020)
  • Earn 4% cash back on gas and grocery purchases
  • Earn 2% cash back on Tim Hortons and TELUS purchases
  • Earn 1% cash back on all other purchases
  • Cash back awarded automatically on the December statement

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before December 30, 2019)
  • $50 annual fee for a supplementary cardholder
  • Earn 4% cash back for every $1 spent on grocery purchases and recurring bill payments
  • Earn 2% cash back for every $1 spent on gas and daily transit
  • 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 January 15, 2020)
  • $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 January 15, 2020)
  • 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 CashBack World Elite MasterCard

  • $120 annual fee (waived the first year if you apply before March 31, 2020)
  • Earn 5% cash back on all purchases (for the first 4 months, up to $4,000 in spending or $200 in cash back) (if you apply before March 31, 2020)
  • Earn 1.5% cash back on all purchases
  • Receive cash back: (1) direct deposit into a BMO chequing, savings or InvestorLine account; or (2) a statement credit
  • Redeem: (1) annually; (2) when a recurring amount has accumulated a minimum of $50 and in increments of $10; or (3) a one-time lump sum with a minimum of $50 and in increments of $10

BMO Air Miles World Elite MasterCard

  • $120 annual fee (waived the first year if you apply before January 15, 2020)
  • $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 January 15, 2020)
  • 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

CIBC Aerogold Visa Business Card Plus

  • $120 annual fee (waived if you apply before March 1, 2020)
  • Earn 35,000 sign up bonus Aeroplan miles (if you apply before March 1, 2020); earn 20,000 after the first purchase and earn 15,000 after spending $3,000 within the first 4 months
  • Earn 1.5 mile for every $1 spent on airlines, hotels, car rental agencies, travel agencies, gas stations
  • Earn 1 mile for every $1 spent on all other purchases
  • Credit approval based on business

CIBC Aventura Visa Card for Business

  • $120 annual fee (waived if you apply before March 1, 2020)
  • Earn 35,000 sign up bonus points (if you apply before March 1, 2020); earn 20,000 after the first purchase and another 15,000 after spending $3,000 in the first 4 months
  • Earn 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre
  • Earn 1.5 point for every $1 on gas and travel spending (e.g. flights, hotel stays, car rentals and travel agencies)
  • Earn 1 point for every $1 spent on all other purchases
  • Have at least $35,000 in personal annual income

CIBC Aventura Visa Card for Business Plus

  • $120 annual fee (waived if you apply before March 1, 2020)
  • Earn 35,000 sign up bonus points (if you apply before March 1, 2020); earn 20,000 after the first purchase and another 15,000 after spending $3,000 in the first 4 months
  • Earn 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre
  • Earn 1.5 point for every $1 on gas and travel spending (e.g. flights, hotel stays, car rentals and travel agencies)
  • Earn 1 point for every $1 spent on all other purchases
  • Have at least $35,000 in personal annual income

TD Cash Back Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before December 1, 2019)
  • $50 annual fee for supplementary cardholders
  • Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending or $200 in cash back) (if you apply before December 1, 2019)
  • Earn 3% cash back on gas, grocery and recurring bill payments thereafter (on first $15,000 in annual spending per category, including the 3 month bonus promotion)
  • Earn 1% cash back on all other purchases
  • Have at least $60,000 in personal annual income or $100,000 in annual household income

TD Aeroplan Visa Infinite Card

  • $120 annual fee (waived the first year if you apply before December 1, 2019)
  • $50 annual fee for a supplementary cardholder
  • Earn 40,000 sign up bonus miles (earn 15,000 miles after the first purchase and earn 2x the miles, up to 20,000 in bonuses and additional 5,000 for adding an authorized user) (if you apply before December 1, 2019)
  • 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 December 1, 2019)
  • Earn 90,000 sign up bonus points (earn 20,000 points after the first purchase and earn 2x the points, up to 60,000 in bonuses and additional 10,000 for adding an authorized user)(if you apply before December 1, 2019)
  • 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

HSBC World Elite MasterCard

  • $149 annual fee (first year fee waived if you apply before December 16, 2019; except Quebec)
  • Earn 90,000 sign up bonus points (Quebec only), (if you apply before December 16, 2019); earn 20,000 after the first purchase and earn 3x the points up to 70,000 bonus points on all purchases within the first 90 days
  • Earn 60,000 sign up bonus points (rest of Canada), (if you apply before December 16, 2019); earn 20,000 after the first purchase and earn 3x the points up to 40,000 bonus points on all purchases within the first 90 days
  • Receive $100 annual travel credit (airline seat upgrades, airline baggage fees and airport lounge passes)
  • Earn 6 points for every $1 spent on travel purchases
  • Earn 3 points for every $1 spent on all other purchases
  • 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 January 15, 2020)
  • $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 January 15, 2020)
  • 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

CIBC Aerogold Visa Business Card

  • $180 annual fee (first year fee waived if you apply before March 1, 2020)
  • Earn 35,000 sign up bonus Aeroplan miles (if you apply before March 1, 2020); earn 20,000 after the first purchase and earn 15,000 after spending $3,000 within the first 4 months
  • Earn 1.5 mile for every $1 spent on airlines, hotels, car rental agencies, travel agencies and gas stations
  • Earn 1 mile for every $1 spent on all other purchases
  • Have at least $35,000 household income

Note that we have two other monthly lists:

If you would like to see other lists or see any missing offers in this post, 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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