Best Current First Year Fee Waived Cards for January 2023 – Pointshogger

• $149 annual fee (a full annual fee rebate for the primary cardholder for the first year* for applying before February 28, 2023)
• Authorized User Annual Fee: $50 Per Card
• Earn up to 80,000 points* (earn 20,000 Welcome Bonus points*, earn 40,000 points* for spending $6,000 within 6 months of account opening and earn 20,000 points* as an anniversary bonus) (apply before February 28, 2023)
• Earn 6 HSBC points for every $1 spent on all eligible travel purchases
• Earn 3 HSBC points for every $1 spent on all other eligible purchases
• Receive $100 annual travel enhancement credit*
• Receive a Boingo membership
• No foreign transaction fees (only the exchange rate will apply)
• Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management in Canada
• *Terms and Conditions apply
• ®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.

• $120 annual fee (first year fee waived) (apply before April 30, 2023)
• $29 annual fee for a supplementary cardholder
• Earn 45,000 sign up bonus Scene+ points (earn 25,000 after spending $1,000 in the first 3 months and an additional 20,000 points after spending $7,500 in the first year) (apply before April 30, 2023)
• Earn 6 points for every $1 spent at Chalo! FreshCo, Co-Op, Foodland, FreshCo, IGA, IGA West, Les Marchés Tradition, Rachelle Béry, Safeway, Sobeys, Thrifty Foods, Voilà par IGA, Voilà by Safeway, Voilà by Sobeys
• Earn 5 points for every $1 spent on grocery, dining, entertainment and daily transit
• Earn 3 points for every $1 spent on gas, transit, and select streaming services
• Earn these 6, 5 and 3 multiplier bonus points on the first $50,000 in annual spending cumulative of the above mentioned categories
• Earn 1 point for every $1 spent on all other purchases and thereafter
• No foreign transaction fees
• Have at least $12,000 in personal annual income

• $120 annual fee (first year fee waived) (apply before April 30, 2023)
• $50 annual fee for a supplementary cardholder
• Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases) (apply before April 30, 2023)
• 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

• $139 annual fee (first year fee waived if you apply by May 28, 2023)
• $50 annual fee for supplementary cardholders
• Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending) (apply by May 28, 2023)
• 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 First Class Travel Visa Infinite Card

TD Aeroplan Visa Business Card

• $149 annual fee (first year fee waived for applying by May 28, 2023)
• $49 annual fee for supplementary cardholder
• Earn 60,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase, earn 20,000 points after spending $5,000 in the first 3 months and earn 2,500 points for spending $2,500 each month in the first 12 months, up to 30,000 points) (apply by May 28, 2023)
• Earn 2 points per $1 spent on Air Canada purchases
• Earn 1.5 points per $1 spent on shipping, internet, cable, phone services, travel and dining purchases
• Earn 1 point per $1 spent on all other purchases
• Receive 4 Air Canada Maple Leaf Lounge passes
• Receive free first checked bag (up to 8 additional companions)
• Receive $100 NEXUS application credit once every 48 months (applies to supplementary cardholders too)

TD Business Travel Visa Card

• $150 annual fee (first year fee waived) (apply before June 30, 2023)
• Earn 70,000 sign up bonus points (earn 30,000 after spending $5,000 in the first 3 months, earn 10,000 for signing up for the insurance for a minimum of 3 months, earn 30,000 after the first year anniversary and spending $12,000 within the first 12 months) (apply before June 30, 2023)
• 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)
• Unlimited access to the National Bank Lounge at the Montreal Airport
• 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)

• $150 annual fee (first year fee waived) (apply before July 31, 2023)
• $50 annual fee for each supplementary card
• Earn 60,000 sign up bonus BMO Reward points (earn 30,000 points after spending $3,000 in the first 3 months, and 2,500 points for each subsequent month after spending $2,000 for up to 12 months) (apply before July 31, 2023)
• 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

December 2023

BMO Rewards Business MasterCard

• $120 annual fee (first year fee waived) (apply before December 31, 2023)
• $50 annual fee for a supplementary cardholder
• Earn 50,000 sign up bonus points after spending $5,000 in the first 3 months (apply before December 31, 2023)
• 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