Best First Year Free Credit Cards in Canada - September 2026

Earn up to $1,400 in value^†, including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first year^† and additional travel benefits. Conditions Apply.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card^†
• Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening^†
• Get an Annual Fee Rebate for the first year^†
• Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD.
• Earn a Birthday Bonus of up to 10,000 TD Rewards points^†.
• Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

To receive the first-year Annual Fee Rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee Rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Get up to $1,150 in value, including up to 70,000 bonus points, a monthly statement credit for streaming services, a $50 statement credit, and no annual fee for the first year.*

• Earn 5x the BMO Rewards points on groceries, delivered or takeout meals, rideshares, public transit, and gas*
• Plus, earn 1 point for every dollar spent on everything else*
• Get a $50 lifestyle anniversary credit to use as you wish*
• Mobile Device Insurance that covers you for up to $1,000 per occurrence*
• Earn 10% more points when you add an authorized user to your account*
• Pay with Points by browsing your recent transactions and you can redeem your points for as little as $1*
• Extended Warranty* and Purchase Protection*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

Get up to $1,600 in value, including up to 100,000 points, the Mastercard Travel Pass program and 4 complimentary airport lounge passes, the statement credit for NEXUS and the annual fee waived in the first year for the primary cardholder and authorized users.*

Plus, get 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

• 5x the points for every dollar spent on eligible travel*, 3x the points for every dollar spent on eligible restaurant dining*, entertainment and eligible recurring bill payments*, 1 point for every dollar spent in other purchase categories*
• Free membership to the Mastercard Travel Pass app provided by DragonPass*, and four complimentary passes per year*
• Extended Warranty* and Purchase Protection*
• BMO Ascend World Elite Total Travel and Medical Protection:
  Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

Get 15% cash back on all purchases (up to $2,000 in total purchases) for the first three months¹. 0% introductory rate on balance transfers for the first 12 months (2% cash advance fee, thereafter: 22.99%)¹.

• Pay no annual fee in the first year, including on additional cards¹
• 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases.
• 2% for every dollar spent on gas and daily transit purchases
• 1% cash back on all other purchases with no cashback limit
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country Program
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage
• New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery¹.
• New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)¹.

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Welcome Offer: Join and get over $1,600 in value including a first year annual fee rebate!^†

Here’s how you can get over $1,600 in value:

• Get up to 45,000 Aventura Points (up to $900 in travel value^†):
  • 15,000 Aventura Points when you make your first purchase^†
  • 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods^†
• Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.^†
• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $285 in value.^†
• Plus, get a NEXUS◊ Application Fee rebate^†: A $160 value^†
• As an eligible CIBC Cardholder, take advantage of a free Skip+ membership (first year value of $110)^†

Plus, enjoy extra valuable travel benefits.

• Travel when it’s right for you – your Aventura Points don’t expire^†
• Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features^†
• Travel local – Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
• 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre^†
• 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores^†
• 1 point for every $1 spent on all other purchases^†

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.^†

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.^†

Get 50% off Disney+ for 6 months

Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement credits.^†

CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.^†