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HomeCredit CardGreatest Present First 12 months Payment Waived Playing cards for April 2022

Greatest Present First 12 months Payment Waived Playing cards for April 2022



For this month, Laurentian Financial institution had a proposal ending in the beginning of April, which has now been prolonged to June. HSBC additionally had provides expiring firstly of the month, which have now been modified and waiver prolonged to finish of October.

Solely the Scotia Momentum Visa Infinite Card is expiring on this month’s record (earlier than we make it to the following month’s record). The TD playing cards will expire shortly after the following month’s record is printed.

Restricted Time First 12 months Payment Waived Gives

We have now listed the playing cards based mostly on their promotional expiry dates, categorised by month. If there’s a tie-break, it’s ranked by annual price (lowest to highest), after which it’ll go alphabetically.

Could 2022

Scotia Momentum Visa Infinite Card

  • $120 annual price (first yr price waived) (apply earlier than Could 1, 2022)
  • $50 annual price for a supplementary cardholder
  • Earn 10% money again on all purchases for the primary 3 months (as much as $2,000 in whole purchases) (apply earlier than Could 1, 2022)
  • Earn 4% money again for each $1 spent on grocery purchases and recurring invoice funds
  • Earn 2% money again for each $1 spent on gasoline and day by day transit
  • Earn 1% money again for each $1 spent on all different purchases
  • Have a minimum of $60,000 in private annual earnings, $100,000 in annual family earnings or $250,000 in property beneath administration

TD Aeroplan Visa Platinum Card

  • $89 annual price (first yr price waived) (apply earlier than Could 29, 2022)
  • $35 annual price for supplementary cardholders
  • Earn 20,000 join Aeroplan bonus factors (earn 10,000 factors after the primary buy and one other 10,000 factors after spending a $1,000 within the first 3 months, for Quebec residences there is no such thing as a spending necessities however good standing for 90 days) (apply earlier than December 5, 2021)
  • Earn 1 level per $1 spent on Air Canada, gasoline and grocery purchases
  • Earn 1 level per $1 spent at collaborating Starbucks places (purchases earlier than November 7, 2021)
  • Earn 1 level per $1.50 spent on all different purchases

TD Money Again Visa Infinite Card

  • $120 annual price (first yr price waived) (apply earlier than Could 29, 2022)
  • $50 annual price for supplementary cardholders
  • Earn 6% money again on all purchases (for the primary 3 months, as much as $2,000 in spending) (in the event you apply earlier than Could 29, 2022)
  • Earn 3% money again on gasoline, grocery and recurring invoice funds thereafter (on first $15,000 in annual spending per class, together with the three month bonus promotion)
  • Earn 1% money again on all different purchases
  • Have a minimum of $60,000 in private annual earnings or $100,000 in annual family earnings

TD First Class Journey Visa Infinite Card

  • $120 annual price (first yr price waived) (apply earlier than Could 29, 2022)
  • $50 annual price for supplementary cardholders
  • Earn 100,000 join bonus factors after the primary buy (earn 20,000 TD factors after the primary buy and earn 80,000 TD factors after spending $1,000 inside 90 days, for Quebec residences there is no such thing as a spending necessities however good standing for 90 days) (apply earlier than Could 29, 2022)
  • Earn 9 factors once you ebook journey on-line by Expedia
  • Earn 3 factors for each $1 spent on all different purchases
  • Have a minimum of $60,000 in private annual earnings or $100,000 family earnings

July 2022

Scotiabank GM Visa Infinite Card

  • $79 annual price (first yr price waived) (apply earlier than July 4, 2022)
  • Earn 5% money again in GM Earnings on the primary $10,000 spent yearly on all purchases
  • Earn 2% money again in GM Earnings on all purchases after the primary $10,000
  • Money again for use for the acquisition value or lease of a Chevrolet, Buick, GMC, or Cadillac
  • Have a minimum of $60,000 in private annual earnings, $100,000 in annual family earnings or $250,000 in property beneath administration

Laurentian Financial institution Visa {Dollars}

  • $65 annual price (first yr price waived after spending $1,000 within the first 3 months) (apply earlier than June 5, 2022)
  • No annual price for a supplementary cardholder
  • Earn 3% money again on pre-authorized debits
  • Earn 2% money again on gasoline and grocery
  • Earn 1% money again on all different purchases

September 2022

TD Aeroplan Visa Infinite Card

  • $139 annual price (first yr price waived for making use of earlier than September 5, 2022)
  • $75 annual price for supplementary cardholders
  • Earn 50,000 join Aeroplan bonus factors (earn 10,000 factors after the primary buy with the primary 3 months, earn 20,000 factors after spending $1,000 within the first 90 days and earn 20,000 factors after spending $7,500 within the first 12 months) (for making use of earlier than September 5, 2022)
  • Earn 1.5 level per $1 spent on Air Canada, gasoline and grocery purchases
  • Earn 1 level per $1 spent on all different purchases
  • Have a minimum of $60,000 in private annual earnings or $100,000 family earnings

TD Aeroplan Visa Enterprise Card

  • $149 annual price (first yr price waived for making use of earlier than September 5, 2022)
  • $49 annual price for supplementary cardholders
  • Earn 60,000 join Aeroplan bonus factors (earn 10,000 factors after the primary buy, earn 20,000 factors after spending $5,000 within the first 3 months and earn 30,000 factors after spending $5,000 every month within the first 12 months) (apply earlier than September 5, 2022)
  • Earn 2 factors per $1 spent on Air Canada purchases
  • Earn 1.5 level per $1 spent on delivery, web, cable, telephone providers, journey and eating purchases
  • Earn 1 factors per $1 spent on all different purchases
  • Obtain 4 Air Canada Maple Leaf Lounge passes
  • Obtain free first checked bag (as much as 8 further companions)
  • Obtain an Air Canada bonus Buddy Go after spending $1,000 within the first 90 days (apply earlier than March 6, 2022)
  • Obtain $100 NEXUS software credit score as soon as each 48 months (applies to supplementary cardholders too)

TD Enterprise Journey Visa Card

  • $149 annual price (first yr price waived for making use of earlier than September 5, 2022)
  • $49 annual price for a supplementary cardholder
  • Earn 150,000 join bonus factors (earn 30,000 factors after the primary buy, earn 60,000 factors after spending $5,000 within the first 3 months and earn 60,000 factors after spending $5,000 every month within the first 12 months) (apply earlier than September 5, 2022)
  • Earn 9 factors for each $1 spent on ExpediaforTD.com
  • Earn 6 factors for each $1 for each $1 spent on overseas foreign money purchases, restaurant and frequently recurring invoice funds
  • Earn 2 factors for each $1 spent on all different purchases

October 2022

HSBC Premier World Elite MasterCard

  • $99 annual price (first yr price waived for making use of earlier than October 31, 2022; besides Quebec)
  • Earn 100,000 join bonus factors (Quebec solely), (apply earlier than October 31, 2022) (earn 20,000 after the primary buy, earn 60,000 bonus factors for maintaining the account open for 180 days and earn 20,000 anniversary bonus factors)
  • Earn 80,000 join bonus factors (remainder of Canada), (apply earlier than October 31, 2022) (earn 20,000 after the primary buy, earn 60,000 bonus factors after spending $6,000 within the first 180 days, earn 10,000 bonus factors for including a certified person and earn 20,000 anniversary bonus factors)
  • Earn 6 factors for each $1 spent on journey purchases
  • Earn 3 factors for each $1 spent on all different purchases
  • Obtain $100 annual journey enhancement credit score
  • Obtain a Boingo membership
  • No overseas transaction charges
  • Have a minimum of $80,000 in private annual earnings, $150,000 family earnings or have $400,000 asset beneath administration

HSBC World Elite MasterCard

  • $149 annual price (first yr price waived for making use of earlier than October 31, 2022; besides Quebec)
  • Earn 110,000 join bonus factors (Quebec solely), (apply earlier than October 31, 2022) (earn 20,000 after the primary buy, earn 70,000 bonus factors for maintaining the account open for 180 days and earn 20,000 anniversary bonus factors)
  • Earn 80,000 join bonus factors (remainder of Canada), (apply earlier than October 31, 2022) (earn 20,000 after the primary buy, earn 60,000 bonus factors after spending $6,000 within the first 180 days, earn 10,000 bonus factors for including a certified person and earn 20,000 anniversary bonus factors)
  • Earn 6 factors for each $1 spent on journey purchases
  • Earn 3 factors for each $1 spent on all different purchases
  • Obtain $100 annual journey enhancement credit score
  • Obtain a Boingo membership
  • No overseas transaction charges
  • Have a minimum of $80,000 in private annual earnings, $150,000 family earnings or have $400,000 asset beneath administration

December 2022

BMO Air Miles World Elite MasterCard

  • $120 annual price (first yr price waived) (apply earlier than December 6, 2022)
  • $50 annual price for a supplementary cardholder
  • Earn 2,000 join bonus Air Miles (earn 1,000 join bonus and a couple of,000 extra after spending $3,000 within the first 3 months) (apply earlier than December 6, 2022)
  • Earn 1 Air Mile for each $10 on all purchases
  • Obtain 2 free lounge passes with MasterCard Airport Experiences
  • Obtain a Companion Flight Rebate Supply (by reserving any two flights, a method or return, by airmiles.ca)
  • Have a minimum of $80,000 in private annual earnings or $150,000 in annual family earnings

BMO CashBack World Elite MasterCard

  • $120 annual price (first yr price waived) (apply earlier than December 6, 2022)
  • Earn 10% money again on all purchases (for the primary 3 months, as much as $2,000 in spending or $200 in money again) (apply earlier than December 6, 2022)
  • Earn 1.5% money again on all purchases
  • Obtain money again: (1) direct deposit right into a BMO chequing, financial savings or InvestorLine account; or (2) a press release credit score
  • Redeem: (1) yearly; (2) when a recurring quantity has collected a minimal of $50 and in increments of $10; or (3) a one-time lump sum with a minimal of $50 and in increments of $10

BMO eclipse Visa Infinite Card

  • $120 annual price(first yr price waived) (apply earlier than December 6, 2022)
  • Earn 10% extra factors for including a supplementary cardholders
  • Earn 40,000 join bonus BMO Reward factors (incomes 25,000 join bonus factors and one other 15,000  after spending $3,000 within the first 3 months) (apply earlier than December 6, 2022)
  • Obtain an annual $50 way of life credit score
  • Earn 5 factors for each $1 spent on groceries, dinning out and in, gasoline and transit purchases
  • Earn 1 factors for each $1 spent on all different purchases
  • Have a minimum of $60,000 in private annual earnings or $100,000 family earnings

BMO Rewards Enterprise MasterCard

  • $120 annual price (first yr price waived) (apply earlier than December 6, 2022)
  • $50 annual price for a supplementary cardholder
  • Earn 50,000 join bonus factors after spending $5,000 within the first 3 months (apply earlier than December 6, 2022)
  • Earn 3 BMO Reward factors for each $1 spent on gasoline, workplace provides, mobile phone and web recurring funds
  • Earn 1.5 BMO Reward factors for each $1 spent on all purchases

BMO World Elite MasterCard

  • $150 annual price (first yr price waived) (apply earlier than December 6, 2022)
  • $50 annual price for every supplementary card
  • Earn 30,000 join bonus BMO Reward factors (earn 25,000 after spending $3,000 within the first 3 months and 5,000 on the primary yr anniversary)
  • Earn 3 factors for each $1 spent on journey, eating and leisure purchases
  • Earn 2 factors for each $1 spent on all different purchases
  • Obtain 4 free lounge passes with MasterCard Airport Experiences
  • Have a minimum of $80,000 in private annual earnings or $150,000 family earnings

Word that we’ve two different month-to-month lists:

If you want to see different lists or see any lacking provides on this put up, please tell us within the remark part under!


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