Advertiser disclosure: Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. Read our full disclaimer.

As summer swings into high gear, it’s time to make the most of your spending this July. Whether you’re sipping strawberry daiquiris on a sunny patio or indulging in loaded nachos at your favorite hangout, you can earn cash back or points for every dollar you spend through our curated selection of credit card promotions.

From groceries to gas, dining out to online shopping, the best credit cards in Canada provide consistent value throughout the year. The right welcome offer can give you a leg up with thousands of points worth hundreds of dollars in savings in the first year alone. Plus, they’re packed with insurance coverage and perks that’ll keep your wallet smiling all summer long.

Compare credit cards using our comprehensive list to find the perfect match for your lifestyle and spending habits to maximize your rewards.

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The best credit card welcome offers for July 2024

^†Terms and conditions apply.

1. 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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2. 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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3. 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.

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

The TD® Aeroplan® Visa Infinite* Card offers up to 40,000 Aeroplan points and up to $1,000 in value, and additional travel benefits:

• 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†
• (This offer is not available to residents of Quebec). Accounts must be approved by September 3, 2024.

Regular features and benefits of this card include:

• Annual fee: $139
• Annual fee for additional cards: $75
• Earn 1.5 Aeroplan points for every $1 spent on eligible gas, grocery, and Air Canada purchases.
• Earn one Aeroplan point for every $1 spent on all other purchases.

Also, access exclusive Visa Infinite benefits for hotel perks and experiences and Air Canada benefits for savings on baggage fees†.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

† Terms and conditions apply.

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5. RBC Avion® Visa Infinite Card

With the RBC Avion^® Visa Infinite Card, get 35,000 Avion points as a Welcome Bonus upon approval.

RBC Avion users are also eligible for the Friday Friend Pass promo this winter. Buy one regular priced Friday lift ticket at select ski resorts in Canada on TheAvionCollection.com and get a second ticket free.

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 - Ongoing Offer

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6. 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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7. TD First Class Travel® Visa Infinite* Card

With the TD First Class Travel® Visa Infinite* Card, you can earn up $700 in value^† including up to 75,000 TD Rewards Points^†, no Annual Fee for the first year^† and additional travel benefits. Conditions Apply. Must be approved by September 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 55,000 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 three months after account opening.

To receive the first additional cardholder first-year annual fee rebate, you must add your first additional cardholder by September 4, 2024.

Regular features and benefits of this card include:

• Annual fee: $139†
• Annual fee for additional cards: $50
• Earn eight TD Rewards Points for every $1 spent on travel through Expedia for TD
• Earn six TD Rewards Points for every $1 spent on groceries and restaurant purchases†.
• Earn four TD Rewards Points for every $1 on recurring bills†.
• Earn two TD Rewards Points for every $1 spent on all other purchases†.
• Earn 50% more points (1.5 TD Points per $1) at Starbucks.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

Offer expiry date: Must be approved by September 3, 2024.

† Terms and conditions apply.

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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 $300 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

With the Scotia Momentum® Visa Infinite* Card, you can earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, Scotia Bank will waive the annual fee for the first year, and the fee for additional cards. To qualify for this offer, your account should be approved by October 31, 2024.

Plus, receive a $75 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 4% cash back on recurring bill payments and grocery purchases.
• Earn 2% cash back on gas and transit purchases.
• Earn 1% cash back on all other purchases.

This card offers excellent travel, dining, and entertainment perks. Get concierge services, access to over 900 Visa Infinite Luxury Hotel Collection properties, access to Visa Infinite Dining Series and Visa Infinite Music Series, and access to wineries with the Visa Infinite Wine Country program. Moreover, get travel insurance and mobile device coverage on this card.

Offer expiry date: October 31, 2024 

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11. MBNA Rewards Platinum Plus^® Mastercard^®

The MBNA Rewards Platinum Plus^® Mastercard^® offers four points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases for 90 days (about three months), up to the $10,000 annual spend cap.

Plus, earn 5,000 bonus points after you spend at least $500 on eligible purchases during the first 90 days and another 5,000 bonus points for signing up for paperless e-statements within the same period. That is up to 10,000 bonus points.

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: $0
• Annual fee for additional cards: $0
• Earn two points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $10,000 is spent annually.
• Earn one point for every $1 spent on all other purchases.

This card features a birthday bonus (up to 10,000 points annually), mobile device insurance, extended warranty benefits, and purchase assurance.

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

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12. Tangerine World Mastercard®

The Tangerine World Mastercard^® won RATESDOTCA’s Best No-Fee Cash Back Credit Card of 2024. You can earn up to 10% cash back for the first two months on up to $1,000 in total purchases. That's up to $100 cash back.

Plus, receive a $150 Cash Bonus from RATESDOTCA upon approval. Offer ends August 30, 2024.

Regular features and benefits of this card include:

• Annual fee: $0
• Annual fee for additional cards: $0
• Earn 2% cash back in up to three categories of your choice. Start with two Money-Back Categories and earn the third when you deposit your rewards into a Tangerine Savings Account. The 10 Money-Back Categories include groceries, furniture, restaurants, hotel-motel, gas, recurring bill payments, drugstore, home improvements, entertainment, and public transportation and parking.
• Earn 0.50% cash back on all other purchases.

This card provides basic travel perks, such as rental car collision damage/loss insurance, Mastercard^® Airport Experiences Provided by LoungeKey, and Boingo Wi-Fi for Mastercard. It also features mobile device insurance.

Offer expiry date: Apply by October 31, 2024

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13. CIBC Aventura^® Visa^*

Apply for the CIBC Aventura Visa and get up to 10,000 Aventura Points (up to $100 in travel value†).

This includes 2,500 Aventura Points when you complete all activities within 60 days of your CIBC Aventura® Visa* account approval and 7,500 Aventura Points after you make your first purchase.

Regular features and benefits of this card include:

• Earn one point for every $1 spent on: travel purchased through the CIBC Rewards Centre†
• Earn one point for every $1 spent at eligible: gas stations†, grocery stores†, drug stores†
• Earn one point for every $2 spent 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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14. True Line® Mastercard® credit card

The True Line^® Mastercard^® credit card offers a 0% promotional annual interest rate ("AIR")^† for 12 months on balance transfers* completed within 90 days of opening the account. 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: $0
• Annual fee for additional cards, for up to nine authorized users: $0
• A low-rate card with a 12.99% standard interest rate on eligible purchases and balance transfers.

This offer does not apply to customers in Quebec.

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

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15. BMO CashBack Mastercard®*

Apply for the BMO* CashBack^® Mastercard^®* to earn 5% cash back on up to $2,500 in total purchases in the qualified categories ($500 groceries, $500 recurring bill payments, $1,500 on all other purchases) for the first three months.

This card also offers a 1.99% introductory interest rate on balance transfers for nine months. A 1% balance transfer fee does apply.

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: $0
• Annual fee for additional cards: $0
• Earn 3% cash back on your first $500 in monthly grocery purchases.
• Earn 1% cash back on your first $500 in recurring monthly bill payments.
• Earn 0.5% unlimited cash back on all other purchases.

Save up to 25% off rental cars at participating National Car Rental and Alamo Rent a Car locations. This card also provides shopping insurance, including an extended warranty and purchase protection.

Offer expiry date: N/A - Ongoing Offer

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16. Simplii Financial™ Cash Back Visa* Card

Apply for the Simplii Financial™ Cash Back Visa* Card and earn a $250 PRESTO Voucher. Plus, enjoy a 10% cash back on up to $500 in total purchases on eligible restaurant and bar purchases for your first 4 months◊.

Offer ends August 18, 2024.

Regular features and benefits of this card include:

• Annual fee: $0
• Annual fee for additional cards: $0
• Earn 3% cash back on your first $500 in monthly grocery purchases.
• Earn 1% cash back on your first $500 in recurring monthly bill payments.
• Earn 0.5% unlimited cash back on all other purchases.

This offer is not available for residents of Quebec.

†, ◊ Terms and conditions apply.

Offer expiry date: August 18, 2024

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Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of RATESDOTCA; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated brand’s website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, July 4, 2024.