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.

A new year is a new chance to take control of your finances and make every dollar count. Is your current credit card getting you closer to your goals?

Whether it’s earning travel points for your dream vacation, cashback on everyday essentials, or perks that make life a little easier, the right card can truly transform your spending into something more rewarding.

Many cards offer elevated rewards for specific categories like groceries, transportation, or travel. If your habits have shifted, it might be time to shift your card, too.

Now is the perfect time to re-evaluate your credit card. If you’re a frequent spender, a new cashback card could unlock incredible benefits like higher point multipliers or exclusive perks. And don’t forget to match your card to your lifestyle.

We’ve gathered the best credit card welcome offers for January, so you don’t miss out on the chance to start the year strong. Take a look, find the card that suits you best, and make 2025 your most rewarding year yet!

The best credit card welcome offers for January 2025

^†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.  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†
• 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.

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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. Offer effective as of January 7, 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 Cardholder(s) while this offer is in effect.

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5. RBC Avion^® Visa Infinite Card

With the RBC Avion^® Visa Infinite Card, get 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 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 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)

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7. 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 40,000 bonus Scene+ points. This offer expires on July 1, 2025.

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: July 1, 2025

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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. Select Apply Now to learn more.

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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 January 31, 2025.

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: June 1, 2025

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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).

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: June 30, 2025 

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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.

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. 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.

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13. 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 January 31, 2025.

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: June 1, 2025

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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 March 28, 2025.

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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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, January 1, 2025.