Current Canadian Credit Card Welcome Bonus Offers
Here you will find all the latest and best Canadian credit card offers
|
||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
BMO AIR MILES®† World Elite®* MasterCard®*Welcome offer: Get up to $1,000 in value including up to 7,000 AIR MILES Bonus Miles and no annual fee in your first year.† Annual Fee: $120 (waived in first year) | Primary Card $50 Additional Card | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents)
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 |
||||||||||||||||||
BMO eclipse Visa Infinite* CardWelcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your first anniversary!* Annual Fee: $120 Primary Card | $50 Additional Card | Interest Rate: Purchases 21.99% Cash Advances 23.99% (21.99% for Quebec residents) | Minimum $60,000 (individual) or $100,000 (household) annual income required
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 |
||||||||||||||||||
BMO eclipse Visa Infinite Privilege* CardWelcome offer: Get up to 120,000 points* Annual Fee: $599 Primary Card | $99 Additional Card | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents)
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 |
||||||||||||||||||
 CIBC Aventura® Visa Infinite* CardWelcome Offer: Join and get up $1,350 in value including a first year annual fee rebate!† Annual Fee $139 | Additional Cards (Up to 3): $50 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $60,000 personal or $100,000 household annual income †
This is a digital-exclusive offer.† 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.† |
||||||||||||||||||
 CIBC Aventura® Gold Visa* CardWelcome Offer: Join and get up to $1,350 in value including a first year annual fee rebate!† Annual Fee $139 | Additional Cards (Up to 3): $50 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $15,000 household annual income †
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.† |
||||||||||||||||||
MBNA Rewards World Elite® Mastercard®Earn up to 30,000 MBNA Rewards Points† $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
††, ‡, ✪, ***, ††††, Terms and Conditions apply. |
||||||||||||||||||
Meridian Visa Infinite* Travel Rewards CardWelcome Offer: Earn 7,000 reward points‡ on first purchase (up to $70 value) and no annual fee for the first year, including on additional cards† Annual Fee: $99 Primary Card $30 Additional Card | Interest Rate: Purchases 19.50% Cash Advance 21.99% | $60,000 personal or $100,000 annual household income
|
||||||||||||||||||
National Bank of Canada World Elite® Mastercard®No welcome bonus offer at this time. Annual Fee: $150 Primary Card (Waived in first year) | $50 Secondary Card | Interest Rate: Purchases 20.99% Cash Advances 22.49% | $80,000 personal or $150,000 household annual income
•
Earn up to 5 points per dollar in eligible grocery and restaurant purchases* •
Up to $150 each year in refund for travel expenses on airport parking, seat selection, check-in fees, airline ticket upgrades and access to airport lounges worldwide
Credit terms Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly. Example of credit charges over a 30-day period
Details of eligible rewards points Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®. To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points. To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site. For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases. National Bank Lounge conditions Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $37 for adults and $26 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator. Travel and health insurance conditions Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150. Eligible expenses include:
The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free). This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card. Mobile devices protection: Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card. |
||||||||||||||||||
National Bank of Canada World MastercardNo welcome bonus at this time. Annual Fee $115 | Additional Cards: $35 | Annual interest rate 20.99% on purchases and 22.49% on funds advances | $60,000 personal or $100,000 household annual income
Credit terms Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly
*Variable interest rate in effect on September 1, 2021 Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250. Details of eligible rewards points Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. Travel and health insurance conditions This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card
|
||||||||||||||||||
National Bank of Canada Platinum MastercardNo welcome bonus at this time. Annual Fee $89 | Additional Cards: $35 | Annual interest rate 20.99% on purchases and 22.49% on funds advances | No minimum annual income requirement
Credit terms Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly. Example of credit charges over a 30-day period
*Variable interest rate in effect on September 1, 2021 Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250. Details of eligible rewards points Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or speciality food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®. . To earn 1.5 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank Platinum Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points. To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site. For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 1,350 points, as follows: 800 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $1,000), 300 points for gas purchases, 150 points for recurring bill payments and 100 points for other purchases. Travel and health insurance conditions This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card. Mobile device protection: The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card. |
||||||||||||||||||
  Scotiabank Gold American Express Card2025 Top Travel Points Credit Card with an annual fee Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points¹. Offer ends Jul 1, 2025 Annual Fee: $120 | Additional Cards: $29 | Minimum Income $12,000
*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 |
||||||||||||||||||
  Scotiabank Passport Visa Infinite CardTop No Foreign Transaction Fee Rewards Credit Card 2025 Annual Fee: $150 | Additional Cards: $0 for first card $50 for each additional | Minimum Income $60,000
*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. Rates, fees and other information are effective as of Jan.3, 2025. Subject to change. |
||||||||||||||||||
 Scotiabank Passport Visa Infinite Privilege CardEarn up to 80,000 bonus Scene+ points¹. Offer ends Oct 31, 2025 Annual Fee: $599 | Additional Cards: $199 | Minimum Income $150,000 per year, a minimum household income of $200,000, or a minimum of $400,000 assets under management.
*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. Rates, fees and other information are effective as of Jan. 27, 2025. Subject to change. |
||||||||||||||||||
Scotiabank®* Platinum American Express® CardEarn up to $2,500* in value in the first 14 months, including up to 80,000¹ bonus Scene+ points¹ Annual Fee: $399 | Additional Cards: $99
*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 |
||||||||||||||||||
 TD First Class Travel® Visa Infinite* CardEarn up to $1,250 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Annual Fee: $139 | Additional Cards: $50 † | Annual interest rate 21.99% on purchases and 22.99% on funds advances (21.99% in Quebec) | $60,000 personal or $100,000 household annual income
This offer is not available for residents of Quebec. For Quebec residents, please click here. † Terms and Conditions apply. |
||||||||||||||||||
|
|---|
  American Express® Green Card2025 Top No Fee Travel Rewards Credit Card Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 21.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 25.99% - 28.99% Variable
|
BMO AIR MILES®† MasterCard®*Limited time offer: Get 1,200 AIR MILES Bonus Miles!* That’s enough for $120 towards purchases with AIR MILES Cash* Annual Fee: $0 | Additional Card Fee: $0 | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents)
*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 |
BMO eclipse rise Visa* CardWelcome offer: Get up to 25,000 bonus points in your first year!* Annual Fee: $0 Primary Card | $0 Additional Card | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents) | Minimum income: N/A
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 |
 CIBC Aventura® Visa* CardEarn up to 2,500 Aventura Points† for no annual fee. Annual Fee $0 | Additional Cards (Up to 3): $0 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $15,000 household annual income
This is a digital-exclusive offer.† 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.† |
 MBNA Rewards Platinum Plus® Mastercard®Earn up to 10,000 MBNA Rewards Points† $0 annual fee | $0 Additional Card
‡, ††, ✪, ***, Terms and Conditions apply. |
Scotiabank American Express CardEarn up to 7,500 bonus Scene+ points within your first year (that’s up to $75 towards travel)¹ Offer ends Oct 31, 2025 Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months. Annual Fee: $0 | Additional Cards: $0
*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 Cobalt® Card Top Overall Travel Rewards Card 2025 | Top Hybrid Travel Rewards Card 2025 | #3 Best Cash Back Card in Canada Monthly Fee $12.99/month of Cardmembership ($155.88 annually) | Additional Cards: $0 | Annual interest rate 21.99% on purchases and 21.99% on funds advances
|
 American Express® Gold Rewards Card®Ranked the 3rd best overall travel rewards credit card in Canada New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
Annual Fee: $250 | Additional Card Fee: $0 for first additional a card, $50 for all others | Annual interest rate 21.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 25.99% - 28.99% Variable
|
  The Platinum Card®2025 Top Ultra Premium Credit Card in Canada Annual Fee: $799 | Additional Card Fee: $250 for Platinum, $0 for Gold (First 2 Cards) then $50 each
|
RBC Avion Visa Infinite CardGet 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by June 11, 2025. Apply online and get a response in as little as 60 seconds. Annual Fee: $120 | Additional Card Fee: $50 | 20.99% on purchases 22.99%* on cash advances and balance transfers *21.99% if you reside in Quebec.
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process. |
RBC Avion Visa Infinite Privilege CardGet up to 70,000 Avion points* (a travel value of up to $1,500†). Annual Fee: $399 | Additional Card Fee: $99
|
RBC Avion Visa Platinum CardGet 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by June 11, 2025. Apply online and get a response in as little as 60 seconds. Annual Fee: $120 | Additional Card Fee: $50
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process. |
|
|---|
 Air France KLM World Elite MasterCard® powered by Brim Financial60XP welcome bonus for new cardholder + First Year Free + 30XP on your card anniversary renewal Annual Fee: $132 | Additional Card Fee: $50 | Annual interest rate: 19.99% to 24.99%
|
 American Express® Aeroplan®* CardNew American Express® Aeroplan®* Cardmembers can earn up to 40,000 Aeroplan points Annual Fee: $120 | Additional Card Fee: $50 for each Additional Aeroplan®* Card to share some of the benefits and earn Aeroplan points faster $0 for each Additional Aeroplan®* No Fee Card to earn points faster
|
 American Express® Aeroplan®* Reserve Card New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points Annual Fee: $599 | Additional Card Fee: $199 for each Additional Aeroplan®* Reserve Card to share some of the benefits and earn Aeroplan points faster $0 for each Additional Aeroplan®* Reserve No Fee Card to earn points faster Annual interest rate 21.99% on purchases and 21.99% on funds advances
|
RBC British Airways Visa Infinite CardGet Up To 60,000 Aviosˆ with the RBC® British Airways Visa Infinite Annual Fee: $165 | Additional Card Fee: $75 | 20.99% on purchases 22.99%* on cash advances and balance transfers *21.99% if you reside in Quebec. Receive up to 60,000 Aviosˆ, here’s how:
Step 1: Receive 15,000 Avios as welcome bonus upon approval Step 2: 35,000 bonus Avios when you spend $6,000 CAD in the first 3 months Step 3: Another 10,000 bonus Avios after your first yearˆ
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process. This post contains affiliate links. Please read our disclaimer for more info. |
Cathay World Elite® Mastercard® – powered by NeoEarn up to 40,000 Asia Miles¹ and get up to 15% off flights Annual Fee: $180 | Additional Card Fee: $10 | 19.99%-26.99% on purchases 22.99%-28.99% on cash advances and balance transfers | Minimum Annual Income: $80,000 (individual), $150,000 (household)
|
  TD® Aeroplan® Visa Infinite* Card Top Airline Credit Card for 2025 Annual Fee $139 | Additional Cards: $75 † | Annual interest rate 21.99% on purchases and 22.99% on funds advances (21.99% in Quebec) | $60,000 personal or $100,000 household annual income Earn up to $1,300 in value†, including up to 40,000 Aeroplan points†, no Annual Fee for the first year† and additional travel benefits. Offer effective as of January 7, 2025.
Earning Aeroplan Points
This offer is not available for residents of Quebec. For Quebec residents, please click here. † Terms and Conditions apply. |
 TD® Aeroplan® Visa Platinum* CardEarn up to $500 in value†, including up to 20,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Offer effective as of January 7, 2025. Annual Fee $89 | Additional Cards: $35 † | Annual interest rate 21.99% on purchases and 22.99% on funds advances (21.99% in Quebec) Earn up to $500 in value†, including up to 20,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Offer effective as of January 7, 2025.
Card Benefits/Travel Benefits
This offer is not available for residents of Quebec. For Quebec residents, please click here. † Terms and Conditions apply. |
  TD® Aeroplan® Visa Infinite Privilege* CardCanada's Choice for Top Ultra Premium Credit Card 2024 Annual Fee $599 | Additional Cards: $199 † | Annual interest rate 21.99% on purchases and 22.99% on funds advances (21.99% in Quebec) | $150,000 annual personal income or $200,000 annual household income Earn up to $3,000 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
This offer is not available for residents of Quebec. For Quebec residents, please click here . † Terms and Conditions apply. |
WestJet RBC® World Elite MastercardǂGet up to $700 in WestJet points1 with the WestJet RBC World Elite Mastercard Annual Fee $119 | Additional Cards: $59 | Annual interest rate 20.99% on purchases, 22.99%* on cash advances and balance transfers (*21.99% if you reside in Quebec) | $80,000 personal or $150,000 household annual income
Refer to RBC page for up to date offer terms and conditions |
WestJet RBC MastercardEarn up to $100 in WestJet points1 (with minimum $1,000 spend in the first 3 months). Annual Fee $39 | Additional Cards: $19 | Annual interest rate 20.99% on purchases and 22.99% on funds advances
|
|
|---|
 Marriott Bonvoy™ American Express®* CardNew Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time Annual Fee: $120 | Additional Card Fee: $0 | Annual interest rate 21.99% on purchases
|
 Marriott Bonvoy™ Business American Express® CardEarn 60,000 Welcome Bonus Marriott Bonvoy® points after you spend $5,000 on your Card in your first three months of Cardmembership. Annual Fee: $150 | Additional Card Fee: $50 | Annual interest rate 21.99% on purchases Earn Marriott Bonvoy points that you can redeem in a variety of ways.
Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.
Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card.
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. |
|
||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 Amazon.ca Rewards MastercardSpecial Welcome Offer: get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for the first 6 months! (Valid on first $3,000 in eligible purchases††.) Annual Fee: $0 | Additional Card Fee: $50
|
||||||||||||||||||
  SimplyCash® Preferred Card from American ExpressThe best Cash Back Rewards Credit Card in Canada for 2025 Monthly Fee: $9.99 ($119.88 annually) | Additional Card Fee: $0 | Annual interest rate 21.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 25.99% - 28.99%
|
||||||||||||||||||
 SimplyCash® Card from American ExpressIn your first 3 months as a new SimplyCash® Card from American Express Cardmember, you can earn a bonus 5% cash back on all purchases (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates. That’s up to $100 in bonus cash back. Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 21.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 25.99% - 28.99%
|
||||||||||||||||||
BMO CashBack® World Elite®* MasterCard®*Welcome offer: Get up to 10% cash back in your first 3 months and earn an additional $75 cash back bonus when you spend $25,000 in your first year. Plus, we'll waive the $120 annual fee in the first year* Annual Fee: $120 | Primary Card $50 Additional Card | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents) Earn more cash back on the categories that mean the most:
*Terms and conditions apply |
||||||||||||||||||
BMO CashBack® MasterCard®*Welcome offer: Get 5% cash back in your first 3 months* Annual Fee: $0 | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents)
*Terms and conditions apply |
||||||||||||||||||
Brim World Elite MastercardUp to $500+ in first time bonuses from Brim merchant partners + no annual fee in the first year Annual fee: $199 | Additional Cards: $50
|
||||||||||||||||||
Brim MasterCardUp to $200+ in first time bonuses from Brim merchant partners Monthly fee $0 | Additional Cards: $0
|
||||||||||||||||||
 CIBC Dividend® Visa Infinite* CardThe best cash back rewards Visa card in Canada Annual Fee $120 | Additional Cards (Up to 3): $30 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $60,000 personal or $100,000 household annual income †
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.† |
||||||||||||||||||
 CIBC Dividend Platinum® Visa* CardGet 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 $3,000†. Annual Fee $99 | Additional Cards (Up to 3): $30 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $15,000 household annual income †
|
||||||||||||||||||
 CIBC Dividend® Visa* CardGet up to 10 cents off per litre at participating gas stations with Journie Rewards. Annual Fee $0 | Additional Cards (Up to 3): $00 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $15,000 household annual income †
This is a digital-exclusive offer.† |
||||||||||||||||||
Desjardins Cash Back World Elite®Mastercard®No welcome bonus at this time Annual Fee $100 | Additional Cards: $0 for members ($30 for non-members) | Annual interest rate 19.9% on purchases and cash advances | $80,000 personal or $150,000 household annual income
|
||||||||||||||||||
Home Trust Preferred Visa Credit CardNo welcome bonus at this time Annual Fee $0 | Additional Cards: $0 | Annual interest rate 21.99% on purchases, 21.99% on cash advances and balance transfers | $15,000 minium income
|
||||||||||||||||||
Laurentian Bank Visa Infinite* CardEarn up to $600 in points in the first 3 months and pay no annual fee in the first year. Primary Cardholder Annual Fee: $130 | Authorized User Annual Fee: $0 | Annual interest rate: 20.99% on purchases and 22.99% on cash advances In the first 3 months, you’ll get 6x the points equal to 12% in cash back on gas, grocery, travel, transportation and recurring payments. You’ll also earn 3x the points equal to 3% in cash back on all other eligible purchases up to a total combined spend of $5,000..
|
||||||||||||||||||
 MBNA Smart Cash® World Mastercard®Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500) $39 annual fee | $0 Additional Card | Interest rates: 19.99% purchases 24.99 cash advance | $50,000 personal or $80,000 household income
‡, ††, ††††, ✪, Terms and Conditions apply. |
||||||||||||||||||
 MBNA Smart Cash Platinum Plus® Mastercard®Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500) $0 annual fee | $0 Additional Card
‡, ††, ✪, Terms and Conditions apply. |
||||||||||||||||||
Meridian Visa Infinite* Cash Back CardWelcome Offer: Earn 7,000 reward points‡ on first purchase (up to $70 value) and no annual fee for the first year, including on additional cards† Annual Fee: $99 | Additional Card Fee: $30 | Annual interest rate 19.50% on purchases and 21.99% on funds advances | $60,000 Annual personal income or $100,000 Annual household income
|
||||||||||||||||||
National Bank of Canada ECHO Cashback MastercardNo welcome bonus at this time. Annual Fee $30 | Additional Cards: $0 | Annual interest rate 20.99% on purchases and 22.49% on funds advances
Credit terms Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly. Example of credit charges over a 30-day period
Cashback Details All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the cashback accumulation table [PDF] and the applicable rules [PDF]. Purchase protection and Extended warranty This coverage applies to purchases charged to the National Bank ECHO cashback card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.. |
||||||||||||||||||
Neo World Elite® MastercardGet up to 15% cashback on your first time purchase on Neo's partner network Annual Fee: $125 Primary Card | Interest Rate: Purchases 19.99% - 26.99% (19.99% - 23.99%for Quebec & Newfoundland residents) | $80,000 personal or $150,000 annual household income
|
||||||||||||||||||
Neo CreditLimited time offer: $25 welcome bonus2 when you apply and are approved for a Neo Credit card Annual Fee $0
|
||||||||||||||||||
 PC Financial World Elite MastercardEarn up to 100,000 bonus PC Optimum points. Apply by July 5, 2023
Annual Fee: $0 Primary Card | $0 Additional Card | Interest Rate: Purchases 20.97% Cash Advances 22.97%
|
||||||||||||||||||
RBC Cash Back Preferred World Elite MasterCardGet 12% cash back for the first 3 months on up to $2,000 in total purchases ^ Apply by August 26, 2025. Annual fee $99 | Additional Cards: $0 | Annual interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process. This post contains affiliate links. Please read our disclaimer for more info. |
||||||||||||||||||
RBC Cash Back MasterCardGet up to 7% cash back in the first 3 months up to a total of $1,000 purchases^ Apply by July 8, 2025. Annual fee $0 | Additional Cards: $0 | Annual interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process. This post contains affiliate links. Please read our disclaimer for more info. |
||||||||||||||||||
Rogers Red World Elite MastercardEnjoy 3% cash back value when you redeem with Rogers plus insurance benefits Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 20.99% - 25.99% on purchases and 22.99% - 27.99% on funds advances* | $80,000 personal or $150,000 annual household income
Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com. * Standard rate on Purchases and Fees: 20.99%
Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99% |
||||||||||||||||||
Rogers Red Mastercard®$60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service4 Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 20.99% - 25.99% on purchases and 22.99% - 27.99% on funds advances*
* Standard rate on Purchases and Fees: 20.99% Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99% If you are not approved for an Account at the above rates and you reside outside Quebec, we may still issue you an Account at our alternate interest rates, as follows: Rate for Purchases and Fees: 25.99% Rate for Cash Advances, Cash like Transactions and Balance Transfers: 27.99% |
||||||||||||||||||
Scotia Momentum® Visa* Infinite cardRanked the 4th best cash back rewards credit card in Canada Annual Fee: $120 | Additional Cards: $50
*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 |
||||||||||||||||||
Scotia Momentum® Visa* cardGet a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)¹ Offer ends Oct 31, 2024 Annual Fee $39 | Supplementary Cards: $0 | Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques
*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 |
||||||||||||||||||
Scotia Momentum® No-Fee Visa* cardSpecial Offer: Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get 0% introductory interest rate on balance transfers for the first 6 months. 2% fee per cash advance, 22.99% after that; annual fee $0. Offer expires Jun 30, 25. Annual Fee $0 | Supplementary Cards: $0 | Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques
*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 |
||||||||||||||||||
Scotia Momentum® Mastercard7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0).1 Annual Fee: $0 | Additional Cards: $0
|
||||||||||||||||||
Simplii Financial™ Cash Back Visa* CardEarn up to 10% cash back† for your first 3 months up to $1,000 eligible spend Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 20.99%‡ on purchases and 22.99%‡ on cash advances/balance transfers| $15,000 annual household income
† Terms and conditions apply. Click ‘Apply Now’ for complete details.This offer is not available for residents of Quebec
|
||||||||||||||||||
Tangerine World Mastercard®Apply for a Tangerine World Mastercard® by January 31, 2025. If you’re approved, you’ll earn an extra 10% back on up to $1,000 in everyday purchases made within your first 2 months.. Annual Fee: $0 | Additional Cards: $0 | Minimum Income: $60,000 personal or $100,000 household
|
||||||||||||||||||
Tangerine Money-Back Credit CardApply for the Tangerine Money-Back Credit Card by January 31, 2025. If you’re approved, you’ll earn an extra 10% back on up to $1,000 in everyday purchases made within your first 2 months*. Annual Fee: $0 | Additional Cards: $0 |
|
||||||||||||||||||
 TD Cash Back Visa Infinite* Card
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Annual Fee: $139 | Additional Cards: $50 † | Annual interest rate 21.99% on purchases and 22.99% on funds advances (21.99% in Quebec) | $60,000 personal or $100,000 household annual income Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Offer effective as of April 30, 2025.
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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect. Starbucks Bonus Offer for New Linked Members†: Link your TD Cashback Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
This offer is not available for residents of Quebec. For Quebec residents, please click here † Terms and Conditions apply. |
||||||||||||||||||
Walmart Rewards MasterCardUp to $45 bonus Walmart Rewards Dollars when you are approved for the card Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 19.98% on purchases and 22.97% on funds advances |
|
||||||||||||||||||
Walmart Rewards World MasterCardUp to $45 bonus Walmart Rewards Dollars when you are approved for the card Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 19.98% on purchases and 22.97% on funds advances | $100,000 annual household income
|
||||||||||||||||||
|
|---|
BMO AIR MILES®† Mastercard®* (Student)Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.* Annual Fee: $0 | Additional Card Fee: $0 | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents)
|
BMO CashBack® MasterCard®*(Student)Welcome offer: Get 5% cash back in your first 3 months (up to $125 cash back) * Annual Fee: $0 | Primary Card $0 Additional Card | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents)
*Terms and conditions apply |
 CIBC Aventura® Visa* Card for StudentsEarn up to 2,500 Aventura Points† for no annual fee. Annual Fee $0 | Additional Cards (Up to 3): $0 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $0 annual income
This is a digital-exclusive offer.† 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.† |
CIBC Dividend® Visa* Card for StudentsGet $50 cash back after you make your first purchase within the first 4 months!† Annual Fee $0 | Additional Cards (Up to 3): $0 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $0 household annual income †
This is a digital-exclusive offer.† |
Scotiabank Scene+ Visa CardEarn up to 5,000 bonus Scene+ points in your first three months¹. Offer ends Oct 31, 25 Annual Fee: $0 | Additional Cards: $0
*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 |