There are people out there that absolutely hate paying annual fee for credit card even if the deal is very lucrative. If you are one of those people, then this article was written for you. Here we will cover 7 credit cards with no annual fee but with a decent sign up bonus. You’ll still get a lot of points and miles but you avoid paying annual fees.

7 credit cards with no annual fee to get before the end of 2018 video

Here are the 7 credit cards with no annual fee that you might want to get before the end of 2018

#1: RBC VISA Infinite Avion – 30,000 Avion points

no annual fee

 

RBC has a promotion right now where you can earn a total of 30,000 Avion points and first year annual fee waived. Basically, you will earn 15,000 sign up bonus points. Then, you will earn another 15,000 bonus points after spending $1000 within 3 months.

Avion points can be transferred to British Airways Avios, Asia Miles, or American Airlines. British Airways Avios is also known to have promotions where they will give you 30-40% more points when you transfer your Avion miles over. The promotion is due to end at the end of the year so you’ll want to get the RBC VISA Infinite Avion card if you want to earn some Avion points.

#2: HSBC World Elite Mastercard – 75,000 HSBC Points

no annual fee

 

I rarely see any HSBC credit card promotion so this is definitely a good one to grab before the end of the year. Besides having the first year annual fee waived, you can also earn a total of 75,000 HSBC Points when you sign up for the HSBC World Elite Mastercard.

Here is the points earning breakdown:

  • 20,000 sign up bonus points
  • +5,000 bonus points after spending $1000
  • +25,000 bonus points after spending $5000
  • +25,000 bonus points after spending $5000

HSBC points can be transferred to the following frequent flyer programs:

  • 25,000 HSBC points = 8,000 Asia Miles
  • 25,000 HSBC points = 9,000 Singapore Airlines Kris Flyer Miles
  • and finally…
  • 25,000 HSBC points = 10,000 British Airways Avios

#3: CIBC Aventura Business VISA – 35,000 Aventura Points

no annual fee

 

CIBC Aventura Business VISA has a promotion right now where you can earn a total of 35,000 Aventura Points. And one of the best part of this deal is that the annual fee is waived for the first year. CIBC will give you 20,000 Aventura points as a sign up bonus. Then, after you spend $3000 within 4 months, they will give you an additional 15,000 Aventura points.

What are Aventura points good for? I think they’re decent for redeeming to places like Orlando Florida. They typically charge you about 25,000 Aventura points to go to Orlando round trip so if you want to go to Disney World or Harry Potterland, this is a good card to use.

#4: CIBC Aventura VISA – 20,000 Aventura Points

no annual fee

 

CIBC personal Aventura VISA also has a promotion where you can earn 20,000 Aventura points. There is also no annual fee for the first year. This is a good compliment to the business card if you want to stack your Aventura points.

#5: American Express Gold Perkopolis – 25,000 Points

no annual fee

 

If you sign up for the American Express Gold card through the Perkopolis link, you can earn 25,000 points and have the first year annual fee waived. AMEX points can be transferred to popular frequent flyer programs like Aeroplan or British Airways Avios at a 1:1 ratio. Feel free to email me and I can provide you the perkopolis RSVP code.

#6: American Express Business Gold Canada Post – 40,000 Points

no annual fee

 

If you sign up for the American Express Business Gold card through the Canada post link, you can earn 40,000 AMEX points and have the first year annual fee waived. They require you to enter the RSVP code which is provided on the same page as where you apply. AMEX points can be transferred to popular frequent flyer programs like Aeroplan and British Airways Avios.

#7: MBNA Best Western Mastercard – 20,000 Points

no annual fee

 

The MBNA Best Western Mastercard has a sign up bonus of 20,000 Best Western points. There’s no annual fee for this card. But, if you sign up through the Great Canadian Rebates link, you can get $60 cash back for getting this card.

However, I would personally wait until this card has a promotion where they give you anywhere between 40,000-60,000 Best Western points before signing up. Quite honestly, 20,000 points is quite little.

Regardless, if you really want to get this card, this is another decent option for a no annual fee credit card that will earn you sign up bonus points.

Conclusion

In my opinion, the clear winners you should look into getting is the RBC Avion card, HSBC World Elite Mastercard, AMEX Gold Perkopolis, and the AMEX Business Gold Canada Post. The reason is because those cards offer a huge sign up bonus that you can greatly benefit from because they are transferable to frequent flyer programs that are lucrative and easy to use.

Which credit cards are you planning on getting before the end of 2018?

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2 thoughts on “7 Credit Cards With No Annual Fee To Get Before The End Of 2018”

  1. Hi Kendrick,

    Thank you for the updated article. How many times a year do you apply for the Amex, Gold & Gold Business ? How long do you keep, then how long do you wait till you reapply ?

    Thanks so much, Susan

    1. Hello Susan,

      Please shoot me an email and I would be more than happy to answer your questions regarding this topic. 🙂

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