{"id":486486,"date":"2026-04-01T00:01:00","date_gmt":"2026-04-01T04:01:00","guid":{"rendered":"https:\/\/milesopedia.com\/best-credit-cards-in-canada\/first-year-free\/"},"modified":"2026-04-01T14:38:44","modified_gmt":"2026-04-01T18:38:44","slug":"first-year-free","status":"publish","type":"page","link":"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/first-year-free\/","title":{"rendered":"The best credit cards with no annual fee for the first year \u2013 April 2026"},"content":{"rendered":"\n<p>Here are the best no-annual-fee credit card offers for the first year:<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--10 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22672,100492,22722,22724,153316,22689,22676,105658,225991,22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"td_first_class_travel_visa_infinite_card\">TD First Class Travel&reg; Visa Infinite* Card<\/h2>\n\t\t\t\t<p>With the TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card, you can get up to <span class=\"nowrap\"><strong>165,<\/strong><strong>000 TD<\/strong><\/span><strong> Rewards points<\/strong><sup>\u2020 <\/sup>and a <strong>rebate on the annual fee for the first year<\/strong>:<\/p>\n<ul>\n<li><strong><span class=\"nowrap\">20,000<\/span> TD Rewards points<\/strong> for the first purchase made with your Card<sup>\u2020<\/sup><\/li>\n<li><strong><span class=\"nowrap\">145,000<\/span> TD Rewards points<\/strong> if you spend <span class=\"nowrap\">$7,500<\/span> within 180 days of opening<sup>\u2020<\/sup><\/li>\n<li>A birthday bonus of up to <strong>10,000 TD Rewards points<\/strong><sup>\u2020<\/sup><\/li>\n<\/ul>\n<p>Plus, get an <strong>Annual Fee Rebate<\/strong> for the first year.<sup>\u2020<\/sup> This is <strong>the highest offer<\/strong> we have ever seen!<\/p>\n<p>With the TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card, you earn:<\/p>\n<ul>\n<li><strong>8 TD Rewards Points<sup>\u2020<\/sup><\/strong> for every $1 you spend when you book travel through Expedia<sup>&reg;<\/sup> For TD<sup>\u2020<\/sup><\/li>\n<li><strong>6 TD Rewards Points<\/strong> for every $1 you spend on Groceries, Dining, and Public Transit<sup>\u2020<\/sup><\/li>\n<li><strong>4 TD Rewards Points<\/strong> for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming &#038; Media<sup>\u2020<\/sup><\/li>\n<li><strong>2 TD Rewards Points<\/strong> for every $1 you spend on other Purchases made using your Card<sup>\u2020<\/sup><\/li>\n<\/ul>\n<p>This TD credit card is one of the best TD travel rewards cards. As of April 30, 2025, it now offers <strong>access to airport lounges with 4 free visits per year<\/strong>.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22724\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"bmo_ascend_world_elite_mastercard_\">BMO Ascend&trade; World Elite&reg;* Mastercard&reg;*<\/h2>\n\t\t\t\t<p data-start=\"530\" data-end=\"773\">The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard credit cards with travel points in Canada. With our exclusive welcome offer, you can earn <strong data-start=\"730\" data-end=\"772\">up to 100,000 BMO Rewards points<\/strong>.<\/p>\n<p data-start=\"775\" data-end=\"905\">These points have a value of approximately <strong data-start=\"811\" data-end=\"828\">$650 to $700<\/strong>, according to our estimate, and can be applied to your travel expenses.<\/p>\n<p data-start=\"907\" data-end=\"1040\">Plus, there is <strong data-start=\"925\" data-end=\"967\">no annual fee for the first year<\/strong> for the primary cardholder and additional cardholders.<\/p>\n<p data-start=\"1042\" data-end=\"1210\">You can also take advantage of a <strong data-start=\"1078\" data-end=\"1160\">0% introductory interest rate on balance transfers for 12 months<\/strong>, with a <strong data-start=\"1171\" data-end=\"1209\">2% balance transfer fee<\/strong>.<\/p>\n<p data-start=\"1212\" data-end=\"1275\">With the BMO Ascend World Elite Mastercard, you get:<\/p>\n<ul data-start=\"1277\" data-end=\"1503\">\n<li data-section-id=\"1t336rf\" data-start=\"1277\" data-end=\"1333\"><strong data-start=\"1279\" data-end=\"1302\">5 points per dollar<\/strong> on eligible travel*<\/li>\n<li data-section-id=\"1j4zfha\" data-start=\"1334\" data-end=\"1448\"><strong data-start=\"1336\" data-end=\"1359\">3 points per dollar<\/strong> on eligible dining, entertainment, and recurring bill payments*<\/li>\n<li data-section-id=\"1t815i1\" data-start=\"1449\" data-end=\"1503\"><strong data-start=\"1451\" data-end=\"1473\">1 point per dollar<\/strong> on all other purchases*<\/li>\n<\/ul>\n<p data-start=\"1505\" data-end=\"1700\">You can use BMO Rewards points for your travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.<\/p>\n<p data-start=\"1702\" data-end=\"1728\">The card also offers:<\/p>\n<ul data-start=\"1729\" data-end=\"1967\">\n<li data-section-id=\"1p68z13\" data-start=\"1729\" data-end=\"1834\"><strong data-start=\"1731\" data-end=\"1783\">4 complimentary airport lounge accesses per year<\/strong> via Mastercard Travel Pass provided by DragonPass*<\/li>\n<li data-section-id=\"13aj19\" data-start=\"1835\" data-end=\"1967\"><strong data-start=\"1837\" data-end=\"1872\">comprehensive travel insurance<\/strong>, including emergency medical coverage up to <strong data-start=\"1925\" data-end=\"1967\">$5 million for 21 days*<\/strong><\/li>\n<\/ul>\n<p data-start=\"1969\" data-end=\"2132\">Finally, enjoy six months of Instacart+ membership and a $10 monthly Instacart credit when you sign up with your eligible BMO credit card.*<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22672\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"td_aeroplan_visa_infinite_card\">TD&reg; Aeroplan&reg; Visa Infinite* Card<\/h2>\n\t\t\t\t<p>With this offer for the <strong>TD Aeroplan Visa Infinite* Card<\/strong>, you can earn up to <strong>45,000 Aeroplan points<\/strong><sup>\u2020<\/sup> and no annual fee for the first year&nbsp;:<\/p>\n<ul>\n<li>Get a Welcome Bonus of <strong>10,000 Aeroplan points<\/strong> when you make your first purchase with your new card<sup>\u2020<\/sup>.<\/li>\n<li>Earn <strong>15,000 Aeroplan points<\/strong> when you spend $3,000 within 90 days of Account opening<sup>\u2020<\/sup>.<\/li>\n<li>Plus, earn a one-time anniversary bonus of <strong>20,000 Aeroplan points<\/strong> when you spend $12,000 within 12 months of account opening<sup>\u2020<\/sup>.<\/li>\n<li><strong>Apply for the NEXUS program<\/strong> and, every 48 months, receive a rebate (up to C$100) on the application fee<sup>\u2020<\/sup>.<\/li>\n<li>Plus, share <strong>free first checked bags<\/strong> with up to 8 travel companions<sup>\u2020<\/sup><\/li>\n<li>Get an <strong>annual fee rebate for the first year<sup>\u2020<\/sup><\/strong>.<\/li>\n<li>To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.<\/li>\n<\/ul>\n<p>It&rsquo;s the best TD credit card for occasional Air Canada travellers. With the TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card, you earn<strong> 1.5 points<sup>\u2020<\/sup> per eligible dollar<\/strong> spent on:<\/p>\n<ul>\n<li>Grocery stores<\/li>\n<li>Gas stations, including gasoline and EV charging<\/li>\n<li>Air Canada purchases, including Air Canada Vacations<\/li>\n<\/ul>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"100492\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"td_aeroplan_visa_platinum_credit_card\">TD&reg; Aeroplan&reg; Visa Platinum* Credit Card<\/h2>\n\t\t\t\t<p>With the TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Platinum* Card, you can earn up to <strong>20,000 Aeroplan points<\/strong> and get a <strong>first-year annual fee rebate<\/strong>:<\/p>\n<ul>\n<li><strong>10,000 Aeroplan points<\/strong> for the first purchase made with your card<sup>\u2020<\/sup><\/li>\n<li><strong>10,000 additional Aeroplan points<\/strong> when you spend $1,500 within the first 90 days of opening your account<sup>\u2020<\/sup><\/li>\n<li><strong>First-year annual fee waived for primary cardholder<\/strong> (instead of $89)<sup>\u2020<\/sup>.<\/li>\n<li>To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.<\/li>\n<\/ul>\n<p>With the TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Platinum* Credit Card, you earn <strong>1 point per dollar spent<\/strong> on eligible purchases for:<\/p>\n<ul>\n<li>Grocery stores<\/li>\n<li>Eligible purchases of gas or electric vehicle charging<\/li>\n<li>Air Canada purchases, including Air Canada Vacations<\/li>\n<\/ul>\n<p>This TD Aeroplan credit card requires <strong>no minimum income<\/strong>.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22722\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"cibc_aventura_visa_infinite_card\">CIBC Aventura&reg; Visa Infinite* Card<\/h2>\n\t\t\t\t<p>The CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card is one of the <strong>best Visa credit cards with travel rewards<\/strong>. <\/p>\n<p>CIBC has an <strong>offer<\/strong> with which you can earn up to <strong><span class=\"nowrap\">45,000<\/span> Aventura points:<\/strong><\/p>\n<ul>\n<li>15,000 Aventura Points when you make your first purchase<sup>\u2020<\/sup><\/li>\n<li>30,000 Aventura Points if you spend <span class=\"nowrap\">$3,000<\/span> or more in the first 4 monthly statement periods<sup>\u2020<\/sup><\/li>\n<\/ul>\n<p>In addition, you can benefit from a <strong>rebate on the first year\u2019s annual fee for the primary card holder<\/strong> (<span class=\"nowrap\">$139<\/span> value) and <strong>up to three authorized users<\/strong> (<span class=\"nowrap\">$50<\/span> each).<\/p>\n<p>With this CIBC Aventura Credit Card, you get:<\/p>\n<ul>\n<li>2 points for every $1 spent on travel purchased through the CIBC Rewards Centre<sup>\u2020<\/sup><\/li>\n<li>1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores<sup>\u2020<\/sup><\/li>\n<li>1 point for every $1 spent on all other purchases<sup>\u2020 <\/sup><\/li>\n<\/ul>\n<p>The CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card also offers:<\/p>\n<ul>\n<li>Airport lounges access: Visa Airport Companion Program membership with 4 complimentary visits per year<\/li>\n<li>Reimbursement of NEXUS membership fees ( <span class=\"nowrap\">$160<\/span> value)<\/li>\n<\/ul>\n<p>The minimum annual income required for this card is <span class=\"nowrap\">$60,000<\/span> (personal) or <span class=\"nowrap\">$100,000<\/span> (household).<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"153316\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"cibc_aventura_gold_visa_card\">CIBC Aventura&reg; Gold Visa* Card<\/h2>\n\t\t\t\t<p>If you do not meet the income requirements of CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card, you can apply for CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card. The minimum annual income required for this card is <span class=\"nowrap\">$15,000<\/span> (household).<\/p>\n<p>CIBC has a <strong>digital offer <\/strong>with which you can earn up to <strong><span class=\"nowrap\">45,000<\/span> Aventura points<\/strong> :<\/p>\n<ul>\n<li>15,000 Aventura Points when you make your first purchase<sup>\u2020<\/sup><\/li>\n<li>30,000 Aventura Points when you spend <span class=\"nowrap\">$3,000<\/span> or more in the first 4 monthly statement periods<sup>\u2020<\/sup><\/li>\n<\/ul>\n<p>In addition, you can benefit from a <strong>rebate on the first year\u2019s annual fee for the primary card holder<\/strong> (<span class=\"nowrap\">$139<\/span> value) and <strong>up to three authorized users<\/strong> (<span class=\"nowrap\">$50<\/span> each).<\/p>\n<p>With this CIBC Aventura Credit Card, you get:<\/p>\n<ul>\n<li>2 points for every $1 spent on travel purchased through the CIBC Rewards Centre<sup>\u2020<\/sup><\/li>\n<li>1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores<sup>\u2020<\/sup><\/li>\n<li>1 point for every $1 spent on all other purchases<sup>\u2020 <\/sup><\/li>\n<\/ul>\n<p>The CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card also offers:<\/p>\n<ul>\n<li>Access to airport lounges: one Visa Airport Companion Program membership and 4 free visits per year<\/li>\n<li>Reimbursement of NEXUS membership fees ( <span class=\"nowrap\">$160<\/span> value)<\/li>\n<\/ul>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22689\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"bmo_eclipse_visa_infinite_card\">BMO eclipse Visa Infinite* Card<\/h2>\n\t\t\t\t<p data-start=\"1532\" data-end=\"1739\">By subscribing to our offer for the BMO eclipse Visa Infinite* Card, you can receive an exclusive welcome offer of up to <strong data-start=\"1631\" data-end=\"1664\">80,000 BMO Rewards points<\/strong>, as well as a waiver of the <strong data-start=\"1711\" data-end=\"1738\">$120 annual fee for the first year<\/strong>.*<\/p>\n<p data-start=\"1741\" data-end=\"1942\">In addition, you will benefit from a <strong data-start=\"1773\" data-end=\"1822\">$50 annual lifestyle credit<\/strong>. You also have a <strong data-start=\"1853\" data-end=\"1923\">monthly statement credit for streaming services<\/strong> for the first year.* <\/p>\n<p data-start=\"1944\" data-end=\"2061\">With the BMO eclipse Visa Infinite* Card, you can earn <strong data-start=\"2006\" data-end=\"2054\">5 BMO Rewards points per dollar spent<\/strong> on:<\/p>\n<ul data-start=\"2062\" data-end=\"2171\">\n<li data-section-id=\"hesx91\" data-start=\"2062\" data-end=\"2076\">groceries*<\/li>\n<li data-section-id=\"16h2334\" data-start=\"2077\" data-end=\"2111\">food delivery or takeout*<\/li>\n<li data-section-id=\"17i6mbx\" data-start=\"2112\" data-end=\"2130\">ridesharing*<\/li>\n<li data-section-id=\"1a0a7by\" data-start=\"2131\" data-end=\"2157\">public transit*<\/li>\n<li data-section-id=\"vw896d\" data-start=\"2158\" data-end=\"2171\">gas*<\/li>\n<\/ul>\n<p data-start=\"2173\" data-end=\"2350\">And <strong data-start=\"2176\" data-end=\"2223\">1 BMO Rewards point per dollar spent<\/strong> everywhere else. Plus, if you add a supplementary card to your account, you&rsquo;ll earn <strong data-start=\"2323\" data-end=\"2349\">10% more points*<\/strong>.<\/p>\n<p data-start=\"2352\" data-end=\"2547\">You can use BMO Rewards points for travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.<\/p>\n<p data-start=\"2549\" data-end=\"2712\">Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card*.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"105658\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"bmo_cashback_mastercard_world_elite_\">BMO CashBack&reg; Mastercard&reg;* World Elite&#7481;&#7472;*<\/h2>\n\t\t\t\t<p>BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* is one of Canada&rsquo;s <strong>best cash back Mastercard credit cards<\/strong>.<\/p>\n<p>Currently, for a limited time, you could receive <strong>up to $480 in cash back in the first year<\/strong>. In fact, you will receive $40 in cash back for each monthly period in which you make $2,000 in purchases on your card. <\/p>\n<p>Plus, there is <strong>no annual fee<\/strong> for the first year!<\/p>\n<p>Additionally, you benefit from a <strong>0% introductory interest rate on balance transfers<\/strong> for 12 months, as well as a 2% balance transfer fee.<\/p>\n<p>With BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*, you get between <strong>2% and 5% cash back<\/strong> on many categories of purchases:<\/p>\n<ul>\n<li><strong>5% on grocery purchases<\/strong> (on the first $500 you spend monthly)<\/li>\n<li><strong>4% on transit<\/strong> (on the first $300 you spend monthly)<\/li>\n<li><strong>3% on gas and electric vehicle charging<\/strong> (on the first $300 you spend monthly)<\/li>\n<li><strong>2% on recurring bill payments<\/strong> (on the first $500 you spend monthly)<\/li>\n<\/ul>\n<p>Everywhere else, you&rsquo;ll earn 1% cash back, including at Costco. It is also one of the only credit cards in its category to offer a <strong>2 additional years extended warranty<\/strong>.<\/p>\n<p>Finally, enjoy <strong>six months of Instacart+ membership<\/strong> and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22676\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"scotia_momentum_visa_infinite_card\">Scotia Momentum&reg; VISA Infinite* card<\/h2>\n\t\t\t\t<p>The Scotia Momentum Visa Infinite Card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it <strong>best cash back credit card in 2026<\/strong>. <\/p>\n<p>Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite Card has <strong>no annual fee for the first year,<\/strong> including on supplementary cards. And you can earn <strong>10% cash back on all purchases<\/strong> for the first three months (up to $2,000 in total purchases). <\/p>\n<p>With the Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* card, you get:<\/p>\n<ul>\n<li><strong>4% cash back on grocery purchases, recurring payments, and subscriptions<\/strong><\/li>\n<li>2% cash back on gas purchases, electric vehicle charging and public transit passes, including bus, taxi and ridesharing, as well as food delivery<\/li>\n<li>1% cash back on all other purchases<\/li>\n<\/ul>\n<p>For example, if you spend $1,000 per month on grocery purchases and\/or recurring payments, you will earn $40 in cash back per month, or <strong>$480 per year,<\/strong> with this card, for this purchase category! And that&rsquo;s not counting the other purchases you will make with this card and the benefits it offers (including its excellent insurance coverage). <\/p>\n<p>If you are a renter, you could for example use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and earn 4% cash back!<\/p>\n<p>Also note that <strong>you can use your cash back at any time<\/strong> (the cash back balance must be at least $25).<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"td_cash_back_visa_infinite_card\">TD Cash Back Visa Infinite* Card<\/h2>\n\t\t\t\t<p>With the TD Cash Back Visa Infinite* Card, you earn <strong>3% in Cash Back Dollars<\/strong> on:<\/p>\n<ul>\n<li>Grocery stores<\/li>\n<li>Gas, EV charging and public transit<\/li>\n<li>Recurring bills, streaming services, digital media and games<\/li>\n<\/ul>\n<p>And 1% cash back on all other purchases.<\/p>\n<p>It&rsquo;s the best TD cash back credit card, especially for gas purchases.<\/p>\n<p>With this new welcome offer, you could earn <strong>10% cash back on gas and grocery purchases and pre-authorized payments <\/strong>for the first three months (up to $3,500 in purchases). So you can <strong>earn up to $350 cash back<\/strong>!<\/p>\n<p>Plus, <strong>a first-year annual fee rebate<\/strong> for the Primary and Additional Cardholders.<\/p>\n<p>Finally, you have <strong>good insurance coverage<\/strong>, such as travel medical insurance, delayed or lost baggage insurance, collision\/loss damage insurance for car rentals and mobile device insurance.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"225991\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-pourquoi-choisir-une-carte-sans-frais-la-premiere-annee\">Why choose a no-annual-fee card for the first year?<\/h2>\n\n<p>A no-annual-fee credit card for the first year allows you to test a premium card without financial commitment. You benefit from welcome bonuses, insurance, and high accumulation rates for 12 months, then decide if the benefits justify renewal. <\/p>\n\n<p>Specifically, the first-year annual fee waiver reduces the entry cost to $0. This means that all points, miles, or cash back accumulated during this period represent a net gain. For example, a card with a $120 annual fee and a 50,000-point welcome bonus is worth considerably more in the first year than in subsequent years.  <\/p>\n<h3 class=\"wp-block-heading\" id=\"how_to_maximize_the_first_year\">How to maximize the first year<\/h3>\n\n<p>To get the most out of a no-annual-fee card for the first year, adopt these three habits. First, activate your card and make your first purchase quickly\u2014most welcome offers start upon account opening. Next, concentrate your spending on the card to reach bonus thresholds. Finally, evaluate the card two months before the renewal date to decide whether to keep it.   <\/p>\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tCompare before subscribing\t\t\t<\/span>\n\t\t\t\t\n\n<p>Use our <a href=\"https:\/\/milesopedia.com\/en\/compare\/credit-cards\/\">credit card comparator<\/a> to assess the first-year value of each card. This calculation takes into account the welcome bonus, waived annual fees, and estimated rewards based on your spending profile. <\/p>\n\n\t<\/div>\n<\/aside>\n<h3 class=\"wp-block-heading\" id=\"travel_points_or_cash_back_\">Travel points or cash back?<\/h3>\n\n<p>No-annual-fee cards for the first year fall into two main categories. On one hand, <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/travel\/\">travel credit cards<\/a> accumulate points convertible into flights, hotels, and stays. On the other, <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/cash-back\/\">cash back cards<\/a> offer a percentage return directly on your statement.  <\/p>\n\n<p>If you travel at least once or twice a year, travel points cards generally offer better value per dollar spent. However, if you prefer simplicity and cash, a cash back card remains the most practical choice. In both cases, the first year without fees gives you time to test the rewards program.  <\/p>\n<h3 class=\"wp-block-heading\" id=\"what_to_do_at_the_end_of_the_first_year_\">What to do at the end of the first year?<\/h3>\n\n<p>Two months before your card&#8217;s anniversary date, review your account. Calculate the total value of accumulated rewards, then compare it to the annual fees that will apply the following year. If the ratio is favorable, keep the card. Otherwise, you can cancel without penalty or request a downgrade to a <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/no-fee\/\">no-annual-fee card<\/a> from the same issuer.   <\/p>\n\n<p>Some issuers also offer retention offers at renewal time. Call customer service and mention that you are considering canceling\u2014you might receive a credit or bonus points that offset a portion of the annual fees. <\/p>\n<h3 class=\"wp-block-heading\" id=\"cards_with_vip_lounge_access\">Cards with VIP lounge access<\/h3>\n\n<p>Several cards in this selection offer access to <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/lounges\/\">airport VIP lounges<\/a> from the first year. This is the case for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD Aeroplan Visa Infinite Privilege Card<\/a>, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a>, and the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-aventura-visa-card\/\">CIBC Aventura Visa Infinite Card<\/a>. These accesses, usually charged between $35 and $45 per visit, add significant value in the first year\u2014especially if you travel multiple times.  <\/p>\n\n<p>To compare all available options in Canada, consult our selection of the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">best credit cards<\/a>. Additionally, subscribe to our <a href=\"https:\/\/milesopedia.com\/en\/newsletter\/\">newsletter<\/a> to receive our analyses and the latest offers every week. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-cartes-de-credit-sans-frais-la-premiere-annee-questions-frequentes\">No-Annual-Fee Credit Cards for the First Year \u2013 Frequently Asked Questions<\/h3>\n<aside class=\"component component__faq wp-block-milesgutenberg-faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_a_no-annual-fee_credit_card_for_the_first_year_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is a no-annual-fee credit card for the first year?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>It is a credit card whose issuer reimburses or waives the annual fees for the first 12 months. You benefit from all the card&#8217;s advantages (welcome bonus, insurance, accumulation rates) without paying the usual fees. Fees apply from the second year if you keep the card.  <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_are_the_best_no-annual-fee_credit_cards_for_the_first_year_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the best no-annual-fee credit cards for the first year in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Among the best options are the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD Aeroplan Visa Infinite Privilege Card<\/a>, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a>, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD Aeroplan Visa Infinite Card<\/a>, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-cashback-world-elite-mastercard\/\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a>, and the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum Visa Infinite Card<\/a>. The best choice depends on your spending profile and rewards goals. <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_a_card_be_canceled_before_the_end_of_the_first_year_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan a card be canceled before the end of the first year?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, you can cancel a credit card at any time without penalty. However, canceling a card too quickly (within the first 3 to 6 months) after collecting the welcome bonus can harm your relationship with the issuer. It is preferable to keep the card for at least 6 months, then downgrade it to a no-annual-fee card from the same issuer if you do not wish to renew.  <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_annual_fees_automatically_charged_in_the_second_year_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre annual fees automatically charged in the second year?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes. If you keep the card beyond the first year, the regular annual fees are automatically applied to your statement on the anniversary date. The issuer does not always send a reminder. Note the renewal date in your calendar to avoid surprises.  <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_a_retention_offer_be_requested_at_the_end_of_the_first_year_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan a retention offer be requested at the end of the first year?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, some issuers offer retention offers to keep their customers. Call customer service before the renewal date and mention that you are considering canceling. You might receive a credit on annual fees, bonus points, or other benefits. However, these offers vary depending on the issuer, your spending history, and the timing of the call.   <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"does_applying_for_multiple_no-annual-fee_cards_in_the_first_year_affect_your_credit_score_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDoes applying for multiple no-annual-fee cards in the first year affect your credit score?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Each credit card application generates a credit inquiry that can temporarily lower your credit score by a few points. However, the impact is generally minor and resolves within a few months. If you space out your applications by 3 to 6 months, the effect on your credit file remains limited. Having multiple cards can even improve your credit utilization ratio in the long term.   <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_no-annual-fee_cards_for_the_first_year_offer_vip_lounge_access_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich no-annual-fee cards for the first year offer VIP lounge access?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Among the cards in this selection, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD Aeroplan Visa Infinite Privilege Card<\/a>, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a>, and the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-aventura-visa-card\/\">CIBC Aventura Visa Infinite Card<\/a> offer 4 complimentary visits per year to <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/lounges\/\">airport VIP lounges<\/a>. This benefit adds $140 to $180 in value if you use all your visits. <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_best_no-annual-fee_card_for_the_first_year_for_groceries_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the best no-annual-fee card for the first year for groceries?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-cashback-world-elite-mastercard\/\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a> offers 5% cash back on grocery purchases (on the first $500 monthly). The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum Visa Infinite Card<\/a> offers 4% on groceries. For travel points, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite Card<\/a> awards 5 points per dollar on groceries. Compare these options on our page for the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/grocery\/\">best credit cards for groceries<\/a>.   <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_supplementary_cards_also_no-annual-fee_for_the_first_year_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre supplementary cards also no-annual-fee for the first year?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>This depends on the issuer and the current offer. Some promotions, such as those for the Scotia Momentum Visa Infinite Card and the BMO Ascend World Elite Mastercard, include a fee waiver for supplementary cards in the first year. Others only cover the primary cardholder. Check the terms of each offer before applying.   <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Here are the best no-annual-fee credit card offers for the first year: Why choose a no-annual-fee card for the first year? A no-annual-fee credit card for the first year allows you to test a premium card without financial commitment. You benefit from welcome bonuses, insurance, and high accumulation rates for 12 months, then decide if [&hellip;]<\/p>","protected":false},"author":3,"featured_media":352233,"parent":207228,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-toc.php","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"tags":[],"mc_loyalty_program":[],"class_list":["post-486486","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The best credit cards with no annual fee for the first year \u2013 April 2026 | Milesopedia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/first-year-free\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The best credit cards with no annual fee for the first year \u2013 April 2026\" \/>\n<meta property=\"og:description\" content=\"Here are the best no-annual-fee credit card offers for the first year: Why choose a no-annual-fee card for the first year? A no-annual-fee credit card for the first year allows you to test a premium card without financial commitment. 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