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As we transition into the cozy embrace of fall, September brings a fresh wave of credit card welcome offers well suited for your seasonal needs. Whether you’re stocking up on last-minute school supplies, savoring your first pumpkin spice latte of the season, or adding a warm cardigan to your wardrobe, these offers are here to help.

Many credit card promotions require a certain spending threshold to unlock their bonuses, and there’s no better time to meet these requirements than during the bustling back-to-school season—perhaps only rivaled by the holiday rush in December.

We’ve meticulously reviewed the best credit cards in Canada to present you with the most rewarding offers this month. Some cards provide thousands of points, translating into hundreds of dollars in savings, while others include enticing perks like a bonus Buddy Pass for a companion flight.

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The best credit card welcome offers for September 2024

^†Terms and conditions apply.

1. RBC Avion® Visa Infinite Card

With the RBC Avion^® Visa Infinite Card, get up to 55,000 Avion points* (a value of up to $1,100^†), that’s enough to fly anywhere in North America or the Caribbean! Start with 35,000 Welcome Points on approval, and then 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by November 25, 2024. Apply online and get a response in as little as 60 seconds.

Regular features and benefits of this card include:

• Annual fee: $120
• Annual fee for additional cards: $50
• Earn one RBC Rewards point for every $1 spent on the card.
• Earn 25% more RBC Rewards points on eligible travel-related purchases. That is 1.25 RBC Rewards points for every $1 spent.

Get instant fuel savings at Petro-Canada when you link your card to the Petro-Points program and get additional savings at Rexall. Plus, for a limited time, you can get a free 12-month DashPass subscription when you pay with your eligible card.

Offer expiry date: N/A - November 25, 2024

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2. CIBC Aventura^® Visa Infinite^* Card

Join and get up to $1,400 in value including a first-year annual fee rebate!†

Here's how you can get up to $1,400 in value.

Get up to 45,000 Aventura Points (up to $900 in travel value†):

• 15,000 Aventura Points when you make your first purchase†
• 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods†
• Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.†
• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $261 in value.†
• Plus, get a NEXUS◊ Application Fee rebate†: A $67 value†

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3. TD^® Aeroplan^® Visa Infinite^* Card

The TD® Aeroplan® Visa Infinite* Card offers up to up to $1,300 in value^†, including up to 40,000 Aeroplan points^†, no Annual Fee for the first year^† and additional travel benefits.  Account must be approved by January 6, 2025.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card^†
• Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening^†
• Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening^†
• Enroll for NEXUS and once every 48 months get an application fee rebate^†
• Plus, share free first checked bags with up to 8 travel companions†
• Get an annual fee rebate for the first year^†

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.

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4. American Express Cobalt® Credit Card

Winner of the Best Overall Rewards Credit Card category in RATESDOTCA’s Best Credit Cards in Canada 2024 contest, the American Express Cobalt^® Credit Card can earn you 1,250 points for each monthly billing period in which you spend at least $750 on the card for the first year. This could add up to 15,000 points.

Regular features and benefits of this card include:

• Monthly fee: $12.99 ($156 annually)
• Annual fee for additional cards: $0
• Earn five Membership Rewards^® points for every $1 spent on eligible restaurant and food delivery purchases.
• Earn three Membership Rewards^® points for every $1 spent on eligible streaming subscriptions.
• Earn two Membership Rewards^® points for every $1 spent on eligible travel and transit purchases.
• Earn one Membership Rewards^® point for every $1 spent on all other purchases.

This card features mobile device insurance, shopping coverage, and exclusive access to presale tickets, events, and experiences.

Offer expiry date: N/A (Subject to change without notice)

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5. TD First Class Travel® Visa Infinite* Card

With the TD First Class Travel® Visa Infinite* Card, you can earn up to $1,000 in value† including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Must be approved by January 6, 2025.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†
• Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
• Get an Annual Fee Rebate for the first year†

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.

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6. Scotiabank®* Gold American Express® Card

Winning RATESDOTCA’s award for Best Credit Card for Staying Home and Ordering In 2024, the Scotiabank®* Gold American Express® Card earns up to 45,000 bonus Scene+ points. This offer expires on October 31, 2024.

Plus, receive a $100 Cash Bonus from RATESDOTCA upon approval. Offer ends August 30, 2024.

Regular features and benefits of this card include:

• Annual fee: $120
• Annual fee for additional cards: $29
• Earn five Scene+ points for every $1 spent on eligible grocery, restaurant, food delivery, food subscription, and entertainment purchases.
• Earn 6X Scene+ points for each dollar charged to your account on all eligible purchases at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
• Earn three Scene+ points for every $1 spent on eligible gas and daily transit purchases and select streaming services.
• Earn five Scene+ points for every $1 spent on all other purchases.
• The $120 annual fee for this card is also waived for the first year.

Access excellent travel perks with this card. Get travel insurance and concierge services, pay no foreign transaction fees on purchases made abroad or at foreign merchants online, and access Scene+ Travel (a full-service travel agency).

Offer expiry date: October 31, 2024

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7. American Express^® Aeroplan^®* Card

The American Express^® Aeroplan^®* Card offers up to 50,000 welcome bonus Aeroplan points. Earn 30,000 Aeroplan points after spending $3,000 in purchases on your Card within the first 3 months. Plus, earn an additional 20,000 Aeroplan points when you spend $1,000 in purchases in month 13.
That’s up to $1,100 or more in value when you combine your welcome bonus points and card benefits.

Regular features and benefits of this card include:

• Annual fee: $120
• Annual fee for additional cards: $0 for additional cardholders without shared benefits; $50 for additional cardholders to share some of the benefits.
• Earn two Aeroplan points for every $1 spent on purchases made directly through Air Canada^® and Air Canada Vacations^®.
• Earn 1.5 Aeroplan points for every $1 spent on eligible dining and food delivery purchases in Canada.
• Earn one Aeroplan point for every $1 spent on all other purchases.

Get additional Air Canada benefits with this card. You and up to eight travelling companions can save on baggage fees when your flight originates with Air Canada. Also, get eight types of travel insurance and shopping coverage.

*This card is a charge card, meaning the balance must be paid in full each month, or a 30% annual interest rate applies to unpaid balances.

Offer expiry date: N/A (Subject to change without notice)

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8. CIBC Dividend® Visa Infinite* Card

When you sign up for the CIBC Dividend® Visa Infinite* Card, earn a 10% cash back welcome bonus of up to $250 on your first four statements. Plus, get a first-year annual fee rebate and up to three Authorized Users†.

Regular features and benefits of this card include:

• 4% cash back on eligible gas, EV charging and grocery purchases†
• 2% cash back on eligible transportation and dining purchases, as well as recurring payments†
• 1% cash back on all other purchases†

This offer does not apply to customers in Quebec.

Offer expiry date: N/A (Subject to change without notice)

†Terms and conditions apply.

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9. BMO Cashback World Elite^* Mastercard^*

The BMO CashBack World Elite* Mastercard*, helps you earn up to 10% cash back for the first three months. Plus, BMO will waive the $120 annual fee for the first year.

Plus, receive a $50 Cash Bonus from RATESDOTCA upon approval.  Offer ends August 30, 2024.

Regular features and benefits of this card include:

• Annual fee: $120
• Annual fee for additional cards: $50
• Earn 5% cash back on your first $500 in grocery purchases monthly.
• Earn 4% cash back on your first $300 in ground transportation purchases monthly.
• Earn 3% cash back on your first $300 in vehicle fuel purchases monthly.
• Earn 2% cash back on your first $500 in recurring bill payments monthly.
• Earn 1% unlimited cash back on all other purchases.

The BMO CashBack World Elite* Mastercard* offers handy perks like roadside assistance and concierge services.

Offer expiry date: N/A - Ongoing Offer

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10. Scotia Momentum^® Visa Infinite^* Card