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The end of the year, December is here, and with it comes the delightful whirlwind of holiday festivities. From travel adventures and lavish feasts to finding the perfect gifts, it's a season of joy—and hefty expenses. Yet, amid the spending spree, there's a golden opportunity waiting to be seized.

Transform your routine holiday purchases into a treasure trove of rewards. With the strategic swipe of the right credit card, every gift and grocery item could bring you closer to a world of benefits—be it travel points or cashback.

It's not just about spending; it's about spending smart.

As you navigate the bustling holiday markets and online stores, consider how your purchases can help you meet those enticing credit card welcome bonuses. December's unique spending patterns align perfectly with many cards' minimum requirements, allowing you to maximize your rewards just in time for the New Year.

Dive into our handpicked selection of best credit cards and offers in Canada. Compare and find the one that fits your lifestyle, ensuring that your holiday expenditures are not just expenses but investments in future adventures.

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The best credit card welcome offers for December 2024

^†Terms and conditions apply.

1. CIBC Aventura^® Visa Infinite^* Card

Join and get up to $1,450 in value including a first-year annual fee rebate!†

Here's how you can get up to $1,450 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 $277 in value.†
• Plus, get a NEXUS◊ Application Fee rebate†: A $100 value†

†Terms and conditions apply. Select Apply Now to learn more.

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2. 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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3. 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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4. 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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5. 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 January 2, 2025.

Regular features and benefits of this card include:

• Annual fee: $120 (First year waived)
• 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: January 2, 2025

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6. RBC Avion^® Visa Infinite Card

With the RBC Avion^® Visa Infinite Card, gett 35,000 welcome Avion points on approval** (travel value of up to $750^†) - Enough to fly anywhere in Canada & the U.S^† (Alaska and Hawaii require more points)

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 prog