Top 3 credit card offers and welcome bonuses
Taking advantage of top credit card promotions and welcome offers can give you bulk bonus points, sky-high cash back levels, or accelerated rewards earning rates.
Top credit card offers in Canada, in alphabetical order
Every month, Money.ca’s credit card experts analyze and compare the best credit card offers, top sign-up bonuses and most valuable welcome deals in Canada, helping you confidently pick the right card. For more, read our expert-curated best credit cards Canada list to discover our gold, silver and bronze winners in all major categories. To compare all Canadian card offers, use our new credit card comparison tool.
Card
Welcome Offer
🏅 Gold: TD Aeroplan Visa Infinite Privilege
up to 85,000 pts†
Welcome Bonus
$3,067
First Year Value
$67
Annual Value
Welcome Bonus: Earn up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.
Get this card if you...
- want exclusive travel perks like lounge access
- want to maximize your Aeroplan points with great offers
- want comprehensive travel insurance to ensure peace of mind
Annual Fee & Annual Interest Rates
$599
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan points on direct Air Canada purchases, as well as on eligible gas, grocery, travel, and dining expenses. Cardholders benefit from perks such as a partial NEXUS application fee rebate†, complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries a substantial annual fee and requires a high personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
Pros
- Welcome bonus up to $3,000 in value† including up to 85,000 Aeroplan points†
- Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†
- Priority Airport Services† like Boarding, Baggage Handling, and Priority Boarding
- High Aeroplan® earn rates, double points on eligible Air Canada purchases
- Extensive travel insurance benefits
- Free checked bags on Air Canada
- Preferred Pricing on Aeroplan® flight rewards
- Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
- Up to $100 CAD NEXUS credit†
- Troon Rewards Platinum status benefit
Cons
- Steep annual fee of $599
- High eligibility requirements ($150,000 personal or $200,000 household income)
- Additional cardholder fee of $199
- High-value rewards mainly for Air Canada flights
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
2 points†
Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
1.5 points†
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
1.25 points†
Earn 1.25 points† for every $1 you charge to your Card on all other purchases.
6
Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†
2x
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
1st
Get your 1st checked bag free for you and up to eight companions† when your travel originates on an Air Canada flight.
10%
Get 10% savings at Avis and Budget in North America, 5% off internationally†
Insurance Benefits
$1,500
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to $3,000 in value† including up to 85,000 Aeroplan points and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Additional Travel Benefits
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Our Take
The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan points on direct Air Canada purchases, as well as on eligible gas, grocery, travel, and dining expenses. Cardholders benefit from perks such as a partial NEXUS application fee rebate†, complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries a substantial annual fee and requires a high personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
Pros
- Welcome bonus up to $3,000 in value† including up to 85,000 Aeroplan points†
- Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†
- Priority Airport Services† like Boarding, Baggage Handling, and Priority Boarding
- High Aeroplan® earn rates, double points on eligible Air Canada purchases
- Extensive travel insurance benefits
- Free checked bags on Air Canada
- Preferred Pricing on Aeroplan® flight rewards
- Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
- Up to $100 CAD NEXUS credit†
- Troon Rewards Platinum status benefit
Cons
- Steep annual fee of $599
- High eligibility requirements ($150,000 personal or $200,000 household income)
- Additional cardholder fee of $199
- High-value rewards mainly for Air Canada flights
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
2 points†
Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
1.5 points†
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
1.25 points†
Earn 1.25 points† for every $1 you charge to your Card on all other purchases.
6
Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†
2x
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
1st
Get your 1st checked bag free for you and up to eight companions† when your travel originates on an Air Canada flight.
10%
Get 10% savings at Avis and Budget in North America, 5% off internationally†
Insurance Benefits
$1,500
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to $3,000 in value† including up to 85,000 Aeroplan points and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Additional Travel Benefits
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
- The TD Aeroplan Visa Infinite Privilege card offers a massive Aeroplan point sign-up bonus, one of the largest in Canada, making it our top choice for the Welcome Bonus category.
- The welcome bonus alone delivers a huge first-year value maximizing immediate travel rewards for those looking to book their dream vacation.
- New cardholders can easily unlock premium Aeroplan perks like priority check-in, priority boarding and preferred pricing on flight redemptions.
- This card is designed for travelers who want to supercharge their Aeroplan balance right from the start.
- As last year’s winner, it continues to stand out for offering one of the richest welcome packages among premium travel cards.
Disclosures:
-
†Terms and conditions apply.
This offer is not available to residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
🥈Silver: The Platinum Card
up to 100,000 points
Welcome Bonus
$471
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to 100,000 Membership Rewards® points* - that’s up to $1,000 towards a weekend away.
Get this card if you...
- are a frequent traveler who wants luxury perks like lounge access
- want to rack up rewards quickly
- want great travel insurance, perks and concierge services
Annual Fee & Annual Interest Rates
$799
Annual Fee
21.99% - 29.99%
Purchase
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
- The Platinum Card by American Express boasts a massive welcome bonus, offering huge upfront value for new cardholders.
- The sign-up bonus can be redeemed for premium travel, luxury hotel stays and flexible rewards through the Amex Membership Rewards program.
- Combined with statement credits and travel perks, the welcome bonus dramatically boosts first-year value.
- This card is ideal for high-end travelers looking to unlock big rewards and exclusive access right from day one.
- While everyday earn rates are modest, the initial sign-up package makes it a compelling choice for maximizing welcome bonus value.
Disclosures:
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
🥉 Bronze: BMO VIPorter World Elite Mastercard
up to $2,400 value*
Welcome Bonus
$2,985
First Year Value
$585
Annual Value
Welcome Bonus: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Expires Jan 31, 2026
Get this card if you...
- want an annual companion pass
- want instant elite status in VIPorter
- hate middle seats and are looking for a refreshing new way to fly
Annual Fee & Annual Interest Rates
$199
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO VIPorter World Elite Mastercard is a premium travel credit card from Bank of Montreal (BMO) and Porter Airlines. The card features a huge welcome bonus, up to 3x on flights and a selection of great perks such as priority boarding, an annual companion pass and more. Porter is one of Canada’s fastest-growing airlines and focuses on travellers who value convenience and comfort, including no middle seats.
Eligibility
Good (620 - 670)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Annual companion pass: Get an annual companion pass (typically requires $50,000 in spending) each year
- Instant elite status: Get complimentary VIPorter Avid Traveller Venture status, offering two free lounge passes
- No middle seats: Porter's aircraft use a 2-2 seating configuration, meaning you've got two seats on each side of the aisle and no one in between.
Cons
- Paid lounge access: The card offers lounge access but it costs USD$32 per visit (outside of the annual Porter lounge passes)
- Average insurance: The card offers solid travel insurance but other banks may provide greater coverage
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$199
Annual Fee
Rewards VIPorter Points
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.* Plus no annual fee in your first year*.
Plus, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions Apply.
Our Take
The BMO VIPorter World Elite Mastercard is a premium travel credit card from Bank of Montreal (BMO) and Porter Airlines. The card features a huge welcome bonus, up to 3x on flights and a selection of great perks such as priority boarding, an annual companion pass and more. Porter is one of Canada’s fastest-growing airlines and focuses on travellers who value convenience and comfort, including no middle seats.
Eligibility
Good (620 - 670)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Annual companion pass: Get an annual companion pass (typically requires $50,000 in spending) each year
- Instant elite status: Get complimentary VIPorter Avid Traveller Venture status, offering two free lounge passes
- No middle seats: Porter's aircraft use a 2-2 seating configuration, meaning you've got two seats on each side of the aisle and no one in between.
Cons
- Paid lounge access: The card offers lounge access but it costs USD$32 per visit (outside of the annual Porter lounge passes)
- Average insurance: The card offers solid travel insurance but other banks may provide greater coverage
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$199
Annual Fee
Rewards VIPorter Points
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.* Plus no annual fee in your first year*.
Plus, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions Apply.
- The BMO VIPorter World Elite Mastercard offers a lucrative welcome bonus, delivering exceptional upfront value for new cardholders. The sign-up offer is one of the best among airline-specific cards.
- The welcome package includes a companion fare and access to VIPorter perks, amplifying the initial benefits for frequent Porter flyers.
- As a new card on the market, it’s quickly become a top pick for travelers focused on maximizing welcome bonuses and airline perks.
Disclosures:
*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
Top Amex welcome bonus credit card in Canada for travelers
up to 40,000 points
Welcome Bonus
$1,190
First Year Value
$390
Annual Value
Welcome Bonus: Earn up to 40,000 Aeroplan®* points*.
Get this card if you...
- fly with Air Canada and want bonus Aeroplan points
- want comprehensive travel insurance to ensure peace of mind
- need flexible points that can be redeemed for a great rewards
Annual Fee & Annual Interest Rates
$120
Annual Fee
Our Take
The American Express® Aeroplan®* Card is a travel rewards credit card designed for individuals who frequently fly with Air Canada and its partners, offering the ability to earn Aeroplan points on everyday purchases. Cardholders benefit from travel-related perks such as preferred pricing on flight rewards and comprehensive insurance coverage, enhancing their overall travel experience.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
Pros
- Aeroplan Points Accumulation: Earn up to 2 Aeroplan points per $1 spent on purchases.
- Free Checked Bags: Free first checked bag on Air Canada flights for you and up to nine travel companions.
- Preferred Pricing on Flight Awards: Access to preferred pricing on Aeroplan flight rewards.
- Travel Insurance Coverage: Includes six types of robust travel insurance.
- Fast Track to Elite Status: Ability to reach Aeroplan Elite status more quickly.
- American Express Experiences: Exclusive access to dining, sports, and entertainment events, plus Front Of The Line for presales and reserved tickets.
- No Preset Spending Limit: Flexible spending based on credit history and account activity.
Cons
- Limited Acceptance: American Express cards may not be as widely accepted as Visa or Mastercard.
- High APR on Unpaid Balances: A steep annual interest rate of 30% for unpaid balances.
- Limited Lounge Access: No access to Maple Leaf or PriorityPass lounges.
- Restricted Points Earn Rate: The 2x points earn rate on Air Canada and Air Canada Vacations only applies to direct bookings through the airline.
- Charge Card Expectations: You're expected to pay off the entire balance each month.
- Specialized Rewards: High-value rewards primarily focused on redeeming for Air Canada flights.
Annual Interest Rates
30%
Penalty
Fees
$120
Annual Fee
2.50%
Foreign Transaction
$3
Cash Advance
$25
Return Penalty
Rewards Aeroplan
2x
the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
1.5x
the points on eligible Dining and Food Delivery purchases in Canada
1x
the points on everything else
Insurance Benefits
$500,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 40,000 Aeroplan®* points*. Here's how:
Earn 30,000 Aeroplan®* points* after spending $3,000 on your Card within the first 3 months as a new American Express® Aeroplan®* Cardmember.*
Earn 10,000 Aeroplan®* points* when you spend $1,000 in month 13.*
You could earn up to $1,450 in value within your first 13 months.
When you combine the Welcome Bonus offer of up to $800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $515 in value, and the $140 in value you get from exceptional benefits, you can earn up to $1,450 or more in value within your first 13 months. Terms and usage assumptions apply.
*Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.
Our Take
The American Express® Aeroplan®* Card is a travel rewards credit card designed for individuals who frequently fly with Air Canada and its partners, offering the ability to earn Aeroplan points on everyday purchases. Cardholders benefit from travel-related perks such as preferred pricing on flight rewards and comprehensive insurance coverage, enhancing their overall travel experience.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
Pros
- Aeroplan Points Accumulation: Earn up to 2 Aeroplan points per $1 spent on purchases.
- Free Checked Bags: Free first checked bag on Air Canada flights for you and up to nine travel companions.
- Preferred Pricing on Flight Awards: Access to preferred pricing on Aeroplan flight rewards.
- Travel Insurance Coverage: Includes six types of robust travel insurance.
- Fast Track to Elite Status: Ability to reach Aeroplan Elite status more quickly.
- American Express Experiences: Exclusive access to dining, sports, and entertainment events, plus Front Of The Line for presales and reserved tickets.
- No Preset Spending Limit: Flexible spending based on credit history and account activity.
Cons
- Limited Acceptance: American Express cards may not be as widely accepted as Visa or Mastercard.
- High APR on Unpaid Balances: A steep annual interest rate of 30% for unpaid balances.
- Limited Lounge Access: No access to Maple Leaf or PriorityPass lounges.
- Restricted Points Earn Rate: The 2x points earn rate on Air Canada and Air Canada Vacations only applies to direct bookings through the airline.
- Charge Card Expectations: You're expected to pay off the entire balance each month.
- Specialized Rewards: High-value rewards primarily focused on redeeming for Air Canada flights.
Annual Interest Rates
30%
Penalty
Fees
$120
Annual Fee
2.50%
Foreign Transaction
$3
Cash Advance
$25
Return Penalty
Rewards Aeroplan
2x
the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
1.5x
the points on eligible Dining and Food Delivery purchases in Canada
1x
the points on everything else
Insurance Benefits
$500,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 40,000 Aeroplan®* points*. Here's how:
Earn 30,000 Aeroplan®* points* after spending $3,000 on your Card within the first 3 months as a new American Express® Aeroplan®* Cardmember.*
Earn 10,000 Aeroplan®* points* when you spend $1,000 in month 13.*
You could earn up to $1,450 in value within your first 13 months.
When you combine the Welcome Bonus offer of up to $800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $515 in value, and the $140 in value you get from exceptional benefits, you can earn up to $1,450 or more in value within your first 13 months. Terms and usage assumptions apply.
*Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.
- The American Express Aeroplan Card offers a generous welcome bonus, giving new cardholders a fast track to earning Aeroplan points.
- New users can redeem the welcome points for flights, upgrades, and travel rewards through Air Canada and Aeroplan partners.
- This card also comes comprehensive travel insurance coverage, which is a must for frequent travelers.
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
Best welcome bonus for credit card balance transfers
0% intro rate
Welcome Bonus
$0
First Year Value
$0
Annual Value
Welcome Bonus: Get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening.
Get this card if you...
- want a low interest rate with no annual fee
- value extended warranty and purchase protection
- want to pay down existing credit card debt
Annual Fee & Annual Interest Rates
$0
Annual Fee
12.99%
Purchase
24.99%
Cash Advance
17.99%
Balance Transfer
Our Take
The MBNA True Line® Mastercard® is a no-annual-fee credit card designed for individuals seeking a low-interest option for managing their finances. It offers a competitive interest rate on purchases and balance transfers, along with benefits such as fraud protection and discounts on car rentals.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
- Solid welcome offer: 12 months of 0% APR† on balance transfers✪ made within the first 90 days (3% transfer fee applies)
- No annual fee or minimum income requirement
- Low standard interest rate of 12.99% for all new purchases charged to the card
- Some extra perks like fraud protection and a discount on car rentals
Cons
- 3% balance transfer fee is comparatively high
- Very high cash advance interest rate of 24.99%
- No insurance benefits
- Can’t transfer a balance owed to either MBNA or TD
Annual Interest Rates
12.99%
Purchase
24.99%
Cash Advance
17.99%
Balance Transfer
0.00%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
Rewards
0%
Promotional annual interest rate† (a 3% transfer fee applies) for 12 months on any balance transfer✪ completed within 90 days of opening the account.
100%
This card is made from 100% recycled plastic
Our Take
The MBNA True Line® Mastercard® is a no-annual-fee credit card designed for individuals seeking a low-interest option for managing their finances. It offers a competitive interest rate on purchases and balance transfers, along with benefits such as fraud protection and discounts on car rentals.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
- Solid welcome offer: 12 months of 0% APR† on balance transfers✪ made within the first 90 days (3% transfer fee applies)
- No annual fee or minimum income requirement
- Low standard interest rate of 12.99% for all new purchases charged to the card
- Some extra perks like fraud protection and a discount on car rentals
Cons
- 3% balance transfer fee is comparatively high
- Very high cash advance interest rate of 24.99%
- No insurance benefits
- Can’t transfer a balance owed to either MBNA or TD
Annual Interest Rates
12.99%
Purchase
24.99%
Cash Advance
17.99%
Balance Transfer
0.00%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
Rewards
0%
Promotional annual interest rate† (a 3% transfer fee applies) for 12 months on any balance transfer✪ completed within 90 days of opening the account.
100%
This card is made from 100% recycled plastic
- The MBNA True Line Mastercard offers a competitive balance transfer welcome offer, making it ideal for those looking to pay down existing credit card debt.
- New cardholders can easily take advantage of an introductory interest rate on balance transfers for a set period.
- While this card does not offer a points or cashback welcome bonus, the balance transfer savings can add up to hundreds of dollars in interest saved.
- It’s a smart choice for budget-conscious users seeking to consolidate debt and benefit from a strong introductory balance transfer offer.
Disclosures:
-
†, ✪, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
Best BMO credit card offers
up to $650 in value†
Welcome Bonus
$1,220
First Year Value
$570
Annual Value
Welcome Bonus: Get up to $650 in value including $40 cash back each month in your first year. Plus get the $120 annual fee waived in the first year.†
Get this card if you...
- are a high-earner looking to earn cash back
- want great perks like travel insurance and concierge services
- value a great welcome offer
Annual Fee & Annual Interest Rates
$120
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO CashBack® World Elite®* Mastercard®* is a premium credit card offering elevated cash back rates on categories such as groceries, transit, gas, and recurring bill payments. Cardholders benefit from complimentary roadside assistance, comprehensive insurance coverage, and flexible cash back redemption options, so you can maximize your rewards on everyday spending.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Valuable sign-up bonus
- High 5% cash back rate on groceries
- Free roadside assistance
- Excellent extended warranty and purchase protection terms
Cons
- Restrictive spending limits for most cash back categories
- Sign-up bonus structure is head-scratchingly complicated
- High minimum income requirements
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
Rewards cash back
5%
Groceries: 5% cash back up to $500 spent per month ($25 in cash back)*
4%
Transit: 4% cash back up to $300 spent per month ($12 in cash back)*
3%
Gas: 3% cash back up to $300 spent per month ($9 in cash back)*
2%
Recurring Bills: 2% cash back up to $500 spent per month ($10 in cash back)*
1%
Everything Else: 1% cash back, unlimited*
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to $650 in value including $40 cash back each month in your first year. Plus get the $120 annual fee waived in the first year.†
Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
Also, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions apply,
Our Take
The BMO CashBack® World Elite®* Mastercard®* is a premium credit card offering elevated cash back rates on categories such as groceries, transit, gas, and recurring bill payments. Cardholders benefit from complimentary roadside assistance, comprehensive insurance coverage, and flexible cash back redemption options, so you can maximize your rewards on everyday spending.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Valuable sign-up bonus
- High 5% cash back rate on groceries
- Free roadside assistance
- Excellent extended warranty and purchase protection terms
Cons
- Restrictive spending limits for most cash back categories
- Sign-up bonus structure is head-scratchingly complicated
- High minimum income requirements
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
Rewards cash back
5%
Groceries: 5% cash back up to $500 spent per month ($25 in cash back)*
4%
Transit: 4% cash back up to $300 spent per month ($12 in cash back)*
3%
Gas: 3% cash back up to $300 spent per month ($9 in cash back)*
2%
Recurring Bills: 2% cash back up to $500 spent per month ($10 in cash back)*
1%
Everything Else: 1% cash back, unlimited*
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to $650 in value including $40 cash back each month in your first year. Plus get the $120 annual fee waived in the first year.†
Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
Also, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions apply,
- The BMO CashBack World Elite Mastercard offers a high-value welcome bonus, giving you a great cash back incentive within the first few months.
- New cardholders can enjoy high cash back rates on eligible purchases, significantly enhancing first-year rewards.
Disclosures:
- *Terms and conditions apply.
-
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
Top credit card offers from CIBC for cash back
10% cash back†
Welcome Bonus
$878
First Year Value
$558
Annual Value
Welcome Bonus: Earn 10% cash back for the first 4 statements on net purchases of up to $2,000.† Plus, get a first-year annual fee rebate for you and up to three Authorized Users.†
Get this card if you...
- want high cash back rates on groceries, gas and recurring bills
- value comprehensive insurance benefits
- value a great welcome offer
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Our Take
The CIBC Dividend® Visa Infinite* Card is a cash back credit card offering elevated earn rates on categories such as groceries, gas, transportation, dining, and recurring payments. Cardholders benefit from features like purchase security, extended protection, and optional insurance coverages. It's a good option for those seeking to maximize cash back on everyday spending.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- First-year annual fee rebate†
- 10% cash back welcome bonus up to $2,000† spend
- 4% cash back on gas, electric vehicle charging and grocery stores
- 2% cash back on transportation, dining and recurring payments
- High annual spending cap on benefits ($20,000 in bonus categories or $80,000 total)
Cons
- High income requirement
- Sparse travel insurance offering
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$120
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
4%
cash back on eligible gas, EV charging, and grocery purchases.†
2%
cash back on eligible transportation, dining purchases and recurring payments†
1%
cash back on all other purchases†
10 cents
save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $2,000†.
Our Take
The CIBC Dividend® Visa Infinite* Card is a cash back credit card offering elevated earn rates on categories such as groceries, gas, transportation, dining, and recurring payments. Cardholders benefit from features like purchase security, extended protection, and optional insurance coverages. It's a good option for those seeking to maximize cash back on everyday spending.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- First-year annual fee rebate†
- 10% cash back welcome bonus up to $2,000† spend
- 4% cash back on gas, electric vehicle charging and grocery stores
- 2% cash back on transportation, dining and recurring payments
- High annual spending cap on benefits ($20,000 in bonus categories or $80,000 total)
Cons
- High income requirement
- Sparse travel insurance offering
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$120
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
4%
cash back on eligible gas, EV charging, and grocery purchases.†
2%
cash back on eligible transportation, dining purchases and recurring payments†
1%
cash back on all other purchases†
10 cents
save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $2,000†.
- The CIBC Dividend® Visa Infinite® Card welcome bonus significantly boosts your first-year value, helping you maximize rewards on your regular spending.
- Alongside the cash back sign-up offer, the CIBC Dividend® Visa Infinite® Card provides premium Visa Infinite perks, including travel insurance, purchase protection, and exclusive entertainment access.
- This makes it a top pick for families and big spenders who want a high-earning cash back credit card with a generous welcome bonus and premium benefits.
Disclosures:
- †Terms and Conditions Apply. This offer is not available for the residents of Quebec.
- The information for the CIBC Dividend® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
CIBC credit card offers for travel
up to 35,000 pts†
Welcome Bonus
$1,920
First Year Value
$570
Annual Value
Welcome Bonus: Get up to $1,350 in value, including up to 35,000 Aventura Points.†
Get this card if you...
- want to accelerate earning Aventura points
- want comprehensive travel insurance coverage
- want lounge access and a NEXUS rebate
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Our Take
The CIBC Aventura® Visa Infinite* Card is a travel rewards credit card that allows cardholders to earn Aventura Points on everyday purchases, with accelerated rates for eligible travel booked through the CIBC Rewards Centre, as well as at gas stations, EV charging stations, grocery stores, and drug stores. It offers benefits such as four complimentary visits to over 1,200 airport lounges globally through the Visa Airport Companion Program, a NEXUS™ application fee rebate, and comprehensive travel insurance.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- First year annual fee rebate
- High welcome bonus
- Easy-to-use points redemption process
- Nexus application fee rebate
- Four complimentary lounge passes that can be used at 1,200+ airports
- Mobile device and extended warranty insurance
Cons
- Uninspired travel insurance offering
- Difficult to earn points through daily spending
- $139 annual fee that’s hard to justify
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$139
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aventura
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†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Get a total of up to 35,000 Aventura Points (up to $800 in value†) during your first year:
15,000 Aventura Points when you make your first purchase†
20,000 Aventura Points when you spend $3,000 or more in net purchases 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 $277 value.
Plus, get a NEXUS™ Application Fee rebate: a $100 value.†
Our Take
The CIBC Aventura® Visa Infinite* Card is a travel rewards credit card that allows cardholders to earn Aventura Points on everyday purchases, with accelerated rates for eligible travel booked through the CIBC Rewards Centre, as well as at gas stations, EV charging stations, grocery stores, and drug stores. It offers benefits such as four complimentary visits to over 1,200 airport lounges globally through the Visa Airport Companion Program, a NEXUS™ application fee rebate, and comprehensive travel insurance.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- First year annual fee rebate
- High welcome bonus
- Easy-to-use points redemption process
- Nexus application fee rebate
- Four complimentary lounge passes that can be used at 1,200+ airports
- Mobile device and extended warranty insurance
Cons
- Uninspired travel insurance offering
- Difficult to earn points through daily spending
- $139 annual fee that’s hard to justify
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$139
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aventura
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†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Get a total of up to 35,000 Aventura Points (up to $800 in value†) during your first year:
15,000 Aventura Points when you make your first purchase†
20,000 Aventura Points when you spend $3,000 or more in net purchases 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 $277 value.
Plus, get a NEXUS™ Application Fee rebate: a $100 value.†
- The CIBC Aventura® Visa Infinite® Card offers a generous welcome bonus, allowing you to jumpstart your travel rewards redemption.
- Easily redeem your points for free flights, hotels, vacation packages, or merchandise through the flexible CIBC Rewards program.
- This card includes premium travel benefits like airport lounge access, comprehensive travel insurance and exclusive Visa Infinite privileges.
Disclosures:
- †Terms and Conditions Apply. This offer is not available for residents of Quebec.
- The information for the CIBC Aventura® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
Top credit card offers from American Express
up to 15,000 points
Welcome Bonus
$630
First Year Value
$480
Annual Value
Welcome Bonus: Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value.
Get this card if you...
- quickly rack up rewards on dining and grocery purchases
- want a flexible rewards program with travel rewards
- want access to exclusive events and robust travel insurance
Annual Fee & Annual Interest Rates
$191.88
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- High earn rates (up to 5% return on spending!)
- Flexible month-by-month fee structure
- Free supplementary cards
- 1:1 points transfer with selected hotels, airlines and frequent flyer programs
Cons
- Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)
- Amex has a more limited merchant acceptance rate than Visa and Mastercard
- Slightly higher than average annual fee
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$191.88
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- High earn rates (up to 5% return on spending!)
- Flexible month-by-month fee structure
- Free supplementary cards
- 1:1 points transfer with selected hotels, airlines and frequent flyer programs
Cons
- Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)
- Amex has a more limited merchant acceptance rate than Visa and Mastercard
- Slightly higher than average annual fee
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$191.88
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
- The American Express® Cobalt® Card is a popular pick because it comes with a generous welcome bonus and a high earn rate for everyday spending categories.
- This combination delivers strong first-year value, making this card stand out among premium rewards options.
- Points earned can be flexibly redeemed for travel, statement credits, merchandise, gift cards, or even transferred to airline and hotel partners for added value.
- This card is an excellent choice for millennials, urban professionals and food lovers who want a premium rewards credit card that delivers big returns on everyday spending.
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
Best Amex offer with no annual fee
10,000 points*
Welcome Bonus
$340
First Year Value
$240
Annual Value
Welcome Bonus: Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
Get this card if you...
- want rewards without paying an annual fee
- want to earn points on everyday spending
- want a flexible rewards program with exclusive perks
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- No annual fee
- No income requirements (unlike many other no-fee cards)
- Welcome bonus up to 10,000 points (a $100 value)
- American Express® Experiences
Cons
- The card only offers basic extended warranty and purchase protection insurance. No travel insurance or rental car coverage
- Some places might not accept American Express®. However, most major retailers do (more small businesses are starting to as well)
- Fewer perks: No specific benefits for travel or dining and no accelerated earning rates on grocery
- Lower earn rates: The reward earn rates are lower than some other no-fee credit cards
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- No annual fee
- No income requirements (unlike many other no-fee cards)
- Welcome bonus up to 10,000 points (a $100 value)
- American Express® Experiences
Cons
- The card only offers basic extended warranty and purchase protection insurance. No travel insurance or rental car coverage
- Some places might not accept American Express®. However, most major retailers do (more small businesses are starting to as well)
- Fewer perks: No specific benefits for travel or dining and no accelerated earning rates on grocery
- Lower earn rates: The reward earn rates are lower than some other no-fee credit cards
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
- The Amex Green Card is a great entry-level credit card for those looking to join the American Express family and start enjoying flexible rewards, valuable perks, and reliable service.
- The welcome bonus significantly enhances the first-year value, helping users quickly accumulate points that can be redeemed for travel, statement credits, or merchandise.
- This card also offers access to popular Amex perks such as Front Of The Line® entertainment access, travel insurance coverage, and purchase protection benefits.
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
Top credit card offers from Scotiabank
up to 60,000 pts*
Welcome Bonus
$1,812
First Year Value
$312
Annual Value
Welcome Bonus: Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points* Expires Jul 01, 2026
Get this card if you...
- travel often and want premium travel perks like lounge access
- want to avoid paying foreign exchange fees
- appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$150
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- No FX fees means the card saves you significant expenses on foreign transaction fees
- Earn up to 3x Scene+ points per $1 spent on eligible purchases
- Flexible and straightforward redemption program
- Visa acceptance globally compared to American Express, especially outside major cities
- Enjoy six annual visits to airport lounges
- Robust insurance offerings, including extended travel emergency medical coverage
- Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
- High annual fee
- Limited rewards categories for earning reward max rate on purchases
- Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- No FX fees means the card saves you significant expenses on foreign transaction fees
- Earn up to 3x Scene+ points per $1 spent on eligible purchases
- Flexible and straightforward redemption program
- Visa acceptance globally compared to American Express, especially outside major cities
- Enjoy six annual visits to airport lounges
- Robust insurance offerings, including extended travel emergency medical coverage
- Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
- High annual fee
- Limited rewards categories for earning reward max rate on purchases
- Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
- The Scotiabank Passport® Visa Infinite® Card welcome offer delivers excellent first-year value, especially when redeemed for travel, helping you instantly save money on flights, hotels, and vacation bookings.
- One of the card’s standout features is that it charges no foreign transaction fees, making the welcome bonus even more valuable for frequent travelers who shop abroad or online in other currencies.
- In addition to the bonus points, you can enjoy premium travel benefits such as airport lounge access through the Visa Airport Companion Program, comprehensive travel insurance, and rental car coverage.
- This card is an ideal choice for frequent flyers and international shoppers looking for a high-value travel rewards credit card with a lucrative welcome bonus and top-tier travel perks.
Disclosures:
-
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply. BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
FAQs: Credit card welcome bonus and sign-up offers explained
Vawn Himmelsbach
Freelance Contributor
Vawn Himmelsbach is a journalist who has been covering tech, business and travel for more than two decades. Her work has been published in a variety of publications, including The Globe and Mail, Toronto Star, National Post, CBC News, ITbusiness, CAA Magazine, Zoomer, BOLD Magazine and Travelweek, among others.
Cory Santos
Senior Reporter
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.
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