Canadian Imperial Bank of Commerce (CIBC)

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Current 10% Cash Back Portfolio for May 2021

ByMatt

This month’s list did not have any changes from last month, which means the 10% cash back market remains strong with 5 different financial institutions offering such promotions. 

Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers if you wish to see a more complete list of cards, not just cards that offer at least 10% cash back.

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

ByMatt

For this month’s list, HSBC has come off from last month. The two American Express promotions expiry today. So if you are still thinking about it, today is the last chance. Also, there are 2 TD credit card offers that expiry at the end of the month too. 

Top Higher than Normal Sign Up Bonuses for May 2021

The cards are listed by expiry dates, with the most recent one first. We included specific months so that it is easier to find the information. If there is a tie-break in terms of expiry day, then it is sorted by annual fee (lowest to highest), then alphabetical order.

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Credit Cards which offer Free Airport Lounge Access (updated April 19, 2021)

ByMatt

It has been over 2 years since our last update of this post. Quite a few changes were made since then, such as the re-branding of all the Aeroplan c-branded cards with American Express, CIBC and TD. Furthermore, there are some additional options from BMO and RBC. So this post is due for an update!

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

ByMatt

For this month’s list, HSBC extended its offer that was expiring last month. Now it expires in the middle of this month month. While RBC changed up its offer which now expires in June. 

Top Higher than Normal Sign Up Bonuses for April 2021

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Current 10% Cash Back Portfolio for March 2021

ByMatt

This is the first month that we are eliminating the monthly Top Cash Back Credit Cards post. The reason is because there is a strong 10% cash back market (permanent and temporary offers) in Canada. We have replaced this slot has been replaced with this current post. Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers if you wish to see a more complete list.

The Scotia Momentum Visa Infinite Card is set to expire this month.

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Putting Together a No Annual Fee Credit Card Portfolio

ByMatt

Due to the government lockdowns that occurred throughout the past 12 months (already? … gasp!), I find that I have dramatically reduced spending. The reduction in spending inspired me to write up this post. I’m sure that I’m not the only person to have reduced spending, so I thought I’d put together what I think would be an ideal no annual fee credit card portfolio.

Keep in mind that this post focused on credit cards with no annual fees whatsoever. This is important because I am thinking longevity (i.e. retaining the same card long term), so I will not be factoring churning, which would be a post for another day. For this post, you may notice some of the more lower profile cards, but do have some hidden value in them. 

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

ByMatt

For this month’s list, the HSBC and RBC offers are coming to an end, but we introduce the 40,000 sign up bonus Scotiabank Gold American Express.

Top Higher than Normal Sign Up Bonuses for March 2021

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Best Current First Year Fee Waived Cards for February 2021

ByMatt

Several offers are expiring at the end of the month, so if you have been thinking about these offers, you may want to apply for them soon as they expire in 3 days.

Keep in mind that permanent first year fee waived offer are not included in this list, we are only listing promotions with an end date. 

Limited Time First Year Fee Offers

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Best Current First Year Fee Waived Cards for January 2021

ByMatt

The industry seems to go in ups and downs. There was a period of time where first year fee waived cards were far and few in between. At the moment, there are quite a few cards with first year fee waived offers. 

Also note that we are only listing credit cards that have limited time offers and not ones that have an indefinite first year fee waived offer, like some of the CIBC cards.