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Get more bang for your buck with limited-time credit card welcome offers!
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 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.
Credit card |
Welcome Offer |
Annual fee |
First Year Value |
|
$120 |
$1,572 |
|
|
$139 (First year rebated†) |
$1,536 |
|
|
$139 (First year rebated†) |
$1,370 |
|
|
$156 ($12.99 per month) |
$1,361 |
|
5. TD First Class Travel® Visa Infinite* Card
|
|
$139 (First year rebated†) |
$1,231
|
6. Scotiabank®* Gold American Express® Card
|
|
$120 |
$1,194 |
|
$120 |
$1,038 |
|
|
$120 (First year rebated†) |
$832 |
|
|
$120 (First year waived) |
$794 |
|
|
$120 (First Year Waived) |
$717 |
|
|
$0 |
$645 |
|
|
$0 |
$527 |
|
|
$0 |
$500 |
|
|
$0
|
$483 |
|
|
$0 |
$438 |
†Terms and conditions apply.
Find the best credit card for your lifestyle today!
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:
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
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†):
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.
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.
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:
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)
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.
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.
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:
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
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:
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)
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:
This offer does not apply to customers in Quebec.
Offer expiry date: N/A (Subject to change without notice)
†Terms and conditions apply.
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:
The BMO CashBack World Elite* Mastercard* offers handy perks like roadside assistance and concierge services.
Offer expiry date: N/A - Ongoing Offer