Best Credit Card Welcome Offers
for July 2025
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. Rates.ca 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.
The sun is out, the kids are out of school, and the trips are booked – if not already underway. Summer is not known as the season for saving. Instead, it’s the ideal time to reap the rewards you’ve worked so hard to sow throughout the year, whether by diligent budgeting, banking your credit card points, or both.
But if you’re planning on splashing out this summer, you can still do it smartly. Whether you’re checking out long-awaited hotel bookings, zipping around Canada’s Wonderland with your fast pass in hand, or gearing up for a big purchase, all these major expenses can help you earn more in credit card rewards.
And with some of these credit card welcome offers, you’ll be able to start saving for next summer while you’re spending on this one. How’s that for a win-win?
The best credit card welcome offers for July 2025
| Welcome offer | Annual fee | First year value | |
|---|---|---|---|
| Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.* Plus no annual fee in your first year* | $199 (First year waived.) | $1,617 | |
| Get up to 35,000 Avion points* (a travel value of up to $750†) | $120 | $1,144 | |
| Join and get over $1,500 in value including a first-year annual fee rebate† | $139 (First year rebated†) | $1,536 | |
| 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. Conditions Apply. Offer effective as of January 7, 2025. | $139 (First year rebated†) | $1,370 | |
| Earn up to 15,000 Membership Rewards® points. | $156 ($12.99 per month) | $1,361 | |
| Earn up to 40,000 Aeroplan points. | $120 | $1,038 | |
| Earn up to 50,000 Scene+ points. This offer expires October 31, 2025. | $120 (First Year Waived). | $1,244 | |
| Earn up $1,000 in value† including up to 85,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of June 4, 2025 | $139 (First year rebated†) | $993 | |
| Get up to $1,800 in value including 40,000 VIPorter points and a 35% off flight voucher.* Plus no annual fee in your first year* | $89 (First Year Waived) | $901 | |
| Join and earn over $400 in value including a first year annual fee rebate.† (This offer does not apply to customers in Quebec). | $120 (First year rebated†) | $882 | |
| Earn up to 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). | $120 (First Year Waived) | $867 | |
| Earn up to 10% cash back for the first three months. Offer ends January 31, 2026. | $120 (First Year Waived) | $794 | |
| Earn up to $1,300* in value in the first 12 months, including up to 45,000 bonus Scene+ points. This offer expires October 31, 2025. | $150 | $604 | |
| Earn four points for every $1 spent on grocery, restaurant, digital media, membership, and household utility purchases for 90 days. Earn up to 10,000 bonus points. | $0 | $545 | |
| Join and get up to $100 in value† for no annual fee.† (This offer does not apply to customers in Quebec). | $0 | $527 | |
| Earn up to 5% cash back for three months. Offer ends January 31, 2026. | $0 | $438 |
†Terms and conditions apply.
Compare the best credit cards on Rates.ca
Find the best credit card for your lifestyle today!
1. BMO VIPorter World Elite®* Mastercard®*
With the BMO VIPorter World Elite®∗ Mastercard®∗ get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.* Plus no annual fee in your first year*.
Regular features and benefits of this card include:
- Annual fee: $199 (First Year Waived)
- Annual fee for additional cards: $75
- Earn 4 VIPorter points on Porter purchases*
- Earn 2 VIPorter points on eligible grocery, dining and hotel accommodation purchases. Earn 1 point on all other purchases.
Get a suite of premium travel and insurance perks including a round-trip companion pass each year.
Offer expiry date: N/A - Ongoing Offer
2. RBC Avion® Visa Infinite Card
With the RBC Avion® Visa Infinite Card, get 35,000 Welcome Points on approval (a travel value of up to $750)
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
3. CIBC Aventura® Visa Infinite* Card
Join and get up to $1,500 in value including a first-year annual fee rebate!†
Here's how you can get up to $1,500 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 $160 value†
†Terms and conditions apply. Select Apply Now to learn more.
4. 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. Conditions Apply. Offer effective as of January 7, 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 (up to $100 CAD)†
- 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 while this offer is effect.
5. American Express Cobalt® Credit Card
Winner of the Best Overall Rewards Credit Card category in Rates.ca’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/month (Equals $155.88 annually) for non-Quebec residents. $150/year for Quebec residents.
- 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)
6. American Express® Aeroplan®* Card
The American Express® Aeroplan®* Card offers up to 40,000 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 00,000 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)
7. Scotiabank Gold American Express Card
Winning Rates.ca’s award for Best Credit Card for Staying Home and Ordering In 2024, the Scotiabank®* Gold American Express® Card earns up to 50,000 bonus Scene+ points. This offer expires on October 31, 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: July 1, 2025
8. TD First Class Travel® Visa Infinite* Card
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With the TD First Class Travel® Visa Infinite* Card you can earn up $1,000 in value† including up to 85,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of June 4, 2025.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
- Earn 65,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
- Earn a Birthday Bonus of up to 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†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†.
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 Cardholder(s) while this offer is in effect.
9. BMO VIPorter Mastercard®*
With the BMO VIPorter Mastercard®∗ get up to $1,800 in value* including 40,000 VIPorter points. Plus no annual fee in your first year*.
Regular features and benefits of this card include:
- Annual fee: $89 (First Year Waived)
- Annual fee for additional cards: $35
- Earn 2 VIPorter points on Porter purchases*
- Earn 1 VIPorter points on eligible grocery, dining and hotel accommodation purchases. Earn 0.5 point on all other purchases.
Get a suite of premium travel and insurance perks including a round-trip companion pass each year.
Offer expiry date: N/A - Ongoing Offer
10. CIBC Dividend® Visa Infinite* Card
When you sign up for the CIBC Dividend® Visa Infinite* Card you'll earn over $400 in value including a first year annual fee rebate.† Earn a 10% cash back welcome bonus of up to $250 (first 4 statements†), a $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements.† First year annual fee rebate valued at $120.†
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. Select Apply Now to learn more.
11. 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).
Regular features and benefits of this card include:
- Annual fee: $120 (first year waived)
- 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: June 30, 2025
12. BMO Cashback World Elite* Mastercard*
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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.
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: January 31, 2026
13. Scotiabank Passport® Visa Infinite* Card
The Scotiabank Passport® Visa Infinite* Card is a top choice for frequent travelers, offering up to $1,300 in value† in the first year, including a 45,000 bonus Scene+™ points welcome offer.
Earn rewards quickly:
- 3 Scene+™ points for $1 at select grocery stores.
- 2 points on dining, entertainment, and transit.
- 1 point on all other purchases.
Travel benefits include 6 complimentary Priority Pass™ lounge visits, free Avis Preferred Plus membership, and a 24/7 concierge service, adding comfort and convenience to every trip.
Enjoy peace of mind with comprehensive travel insurance, covering emergency medical, trip interruptions, cancellations, flight and baggage delays, and more.
With an annual fee of $150, this card combines premium perks and generous rewards, making it an excellent travel companion. Apply today and start maximizing your Scene+™ points. †Terms and Conditions Apply.
Offer expiry date: October 31, 2025.
14. 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.
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)
15. 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. Select Apply Now to learn more.
16. 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.
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: January 31, 2026
Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. Rates.ca 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 Rates.ca; 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, May 1, 2025.
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