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Best Credit Card Welcome Offers for April 2021

April 5, 21
11 mins
Friends hanging out at the park and sitting on the swings

Spring has finally sprung! The weather is getting warmer, days are getting longer, and restrictions are easing, allowing for more outdoor activities. It is also time to spring clean, and that includes your wallet.

Dust off the old bi-fold and assess your credit cards. If you haven’t reached for one in over a year, maybe it’s time to consider a new card. Many of us at RATESDOTCA agree that our purchases look a lot different from what they did before March of last year.

That doesn’t mean you have to break up with your old card forever, but there is likely a better match for your current lifestyle.

You could earn a more significant return on your spending and cash in on a rewarding welcome bonus.

We have scoured every major credit card provider for the very best credit card welcome offers for this month.

Our top picks

Credit card

Welcome offer

Annual fee

1. CIBC Aventura® Visa InfiniteTM

  • Earn up to 35,000 Aventura® Points (worth up to $800).

$139 (First year rebated)

2. Scotiabank®* Gold American Express® Card

  • Earn up to 40,000 bonus Scotia Rewards points.
  • This offer expires on August 31, 2021.

$120

3. BMO AIR MILES World Elite* Mastercard*

  • Earn up to 2,000 AIR MILES.
  • This offer expires on October 31, 2021.

$120 (First year waived)

4. TD® Aeroplan® Visa Infinite* Card

  • Earn up to 20,000 Aeroplan points and a bonus Buddy Pass.  
  • This offer expires on May 30, 2021.

$139 (First year rebated)

5. American Express® Aeroplan®* Card

  • Earn up to 15,000 Aeroplan points and a Bonus Buddy pass.

$120

6. CIBC Dividend® Visa Infinite* Card

  • Earn 10% cash back for the first four months, up to $2,000 in purchases.

$120 (First year rebated)

7. Scotia Momentum® Visa Infinite* Card

  • Earn 10% cash back for the first three months, up to $2,000 in purchases.
  • This offer expires on August 31, 2021.

$120 (First year waived)

8. SimplyCash™ Preferred Card from American Express

  • Earn 10% cash back for the first four months, up to $4,000 in total purchases.

$99

9. Tangerine World Mastercard®

  • Get a 1.95% interest rate on balance transfers for the first six months. Conditions apply.
  • Earn a $100 e-Gift Card from RATESDOTCA upon approval until April 30, 2021.

$0

10. BMO CashBack® Mastercard®*

  • Earn up to 5% back on all purchases for the first three months. Conditions apply.
  • This offer expires on October 21, 2021.

$0

11. CIBC Select Visa* Card

  • Get a 0% promotional interest rate on balance transfers for up to 10 months. Conditions apply.

$29 (First year rebated)

1. CIBC Aventura® Visa InfiniteTM

CIBC Aventura® Visa InfiniteTM

card image
Welcome bonus
$805
CIBC Aventura Rewards points
Annual rewards
$731
CIBC Aventura Rewards points
Annual fee
$139
First Fee Rebate

Earn points on all purchases and redeem on travel or statement credits.
Includes exceptional travel perks and benefits.
Details at a glance Collapse details
Welcome bonus
$805
Annual rewards
$731
Earn points on all purchases and redeem on travel or statement credits.
Includes exceptional travel perks and benefits.
Details at a glance Collapse details

New cardholders of the CIBC Aventura® Visa Infinite* Card can earn up to 35,000 bonus Aventura Points. Get 20,000 points when you make your first purchase using the card. Get an additional 1,250 points each month you spend at least $1,000 in the first 12 months (up to 15,000 points). Plus, get an annual fee rebate for the first year.

Regular features and benefits of this card include:

  • Annual fee: $139
  • Annual fee for additional cards (up to three): $50
  • Earn two Aventura Points for every $1 spent on travel through the CIBC Rewards Centre.
  • Earn 1.5 Aventura Points for every $1 spent at eligible gas stations, grocery stores and drugstores.
  • Earn one Aventura Point for every $1 spent on all other purchases.

Cardholders receive a full suite of travel insurance coverage on the card, a NEXUS application fee rebate and Priority Pass™ Membership with four free passes annually.

Offer expiry date: N/A subject to change without notice

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Compare the best credit cards on RATESDOTCA

Find the best credit card for your lifestyle today!

2. Scotiabank®* Gold American Express® Card

Scotiabank®* Gold American Express® Card

card image
Welcome bonus
$400
Scotia Rewards points
Annual rewards
$744
Scotia Rewards points
Annual fee
$120

Winner – Best Travel Card and Best Card for Snowbirds/Cross Boarder Shopping
Strong travel perks and 0% foreign transaction fees compliment great reward value
Details at a glance Collapse details
Welcome bonus
$400
Annual rewards
$744
Winner – Best Travel Card and Best Card for Snowbirds/Cross Boarder Shopping
Strong travel perks and 0% foreign transaction fees compliment great reward value
Details at a glance Collapse details

*Best of Finance Winner: Best Credit Card for Snowbirds or Cross-Border Shoppers in Canada for 2020

The Scotiabank®* Gold American Express® Card offers cardholders up to 40,000 bonus Scotia Rewards points in the first year. Get 30,000 bonus Scotia Rewards points by making at least $1,000 in purchases in the first three months of opening the account. Get another 10,000 points by making at least $7,500 in purchases in the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $29
  • Earn five Scotia Rewards points for every $1 spent on grocery, fast food, food delivery, food subscription, and entertainment purchases.
  • Earn three Scotia Rewards points for every $1 spent on eligible gas, transit, and streaming services.
  • Earn one Scotia Rewards point for every $1 spent on all other purchases.

Cardholders pay no foreign transaction fees with this card and get travel insurance coverage.

Offer expiry date: August 31, 2021

3. BMO AIR MILES World Elite* Mastercard*

BMO AIR MILES World Elite* Mastercard*

card image
Welcome bonus
$447
AIRMILES Rewards
Annual rewards
$412
AIRMILES Rewards
Annual fee
$120
First Year Waived

Great for Air Miles loyalists
Comprehensive travel insurance and access
Details at a glance Collapse details
Welcome bonus
$447
Annual rewards
$412
Great for Air Miles loyalists
Comprehensive travel insurance and access
Details at a glance Collapse details

Apply for the BMO AIR MILES World Elite* Mastercard* to earn 2,000 Bonus Miles when you spend at least $3,000 in the first three months of opening the account.

Plus, get five times the AIR MILES Reward Miles on groceries at participating retailers until May 31, 2021.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $50
  • Earn one Mile for every $10 in purchases.

Cardholders get complimentary membership in Mastercard Airport Experiences provided by LoungeKey and two passes annually. Members also get 15% off all AIR MILES flights in North America and travel insurance coverage.

Offer expiry date: October 31, 2021

4. TD® Aeroplan® Visa Infinite* Card

TD® Aeroplan® Visa Infinite* Card

card image
Welcome bonus
$250
Aeroplan Points
Annual rewards
$600
Aeroplan Points
Annual fee
$139
First Year Rebate

Best Aeroplan Credit Card in Canada
VIP benefits when travelling on Aeroplan flights, plus great travel insurance
Details at a glance Collapse details
Welcome bonus
$250
Annual rewards
$600
Best Aeroplan Credit Card in Canada
VIP benefits when travelling on Aeroplan flights, plus great travel insurance
Details at a glance Collapse details

New cardholders of the TD® Aeroplan® Visa Infinite* Card can earn 10,000 Aeroplan points when they make their first purchase. Cardholders can get an additional 10,000 points and a bonus Buddy Pass when they spend at least $1,000 in the first 90 days of opening the account.

Regular features and benefits of this card include:

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

This card features exclusive airport perks and travel benefits. Cardholders can access luxury hotel collections and dining programs and save money on baggage fees.

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

Offer expiry date: May 30, 2021

5. American Express® Aeroplan®* Card

American Express® Aeroplan®* Card

card image
Welcome bonus
$300
Annual rewards
$558
Annual fee
$120

A newly accelerated rewards program lets you redeem on all things travel!
Includes travel insurance coverage and access to exciting entertainment experiences.
Details at a glance Collapse details
Welcome bonus
$300
Annual rewards
$558
A newly accelerated rewards program lets you redeem on all things travel!
Includes travel insurance coverage and access to exciting entertainment experiences.
Details at a glance Collapse details

New cardholders of the American Express® Aeroplan®* Card can earn up to 15,000 Aeroplan points and a bonus Buddy Pass. Earn 9,000 Aeroplan points and a bonus Buddy Pass when you make at least $1,500 in purchases in the first three months of cardmembership. Earn 1,000 Aeroplan points each month you spend at least $500 in purchases in the first six months (6,000 points).

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards:
    • $50 for authorized users to share some of the card benefits
    • $0 for authorized users without shared benefits
  • Earn two points for every $1 spent on eligible purchases made directly through Air Canada® and Air Canada Vacations®.
  • Earn 1.5 points for every $1 spent on eligible dining and food delivery purchases in Canada.
  • Earn one point for every $1 spent everywhere else.

Cardholders can get exclusive airport benefits and travel insurance coverage with this card. Save on baggage fees and reach Aeroplan Elite Status faster.

*This card is a charge card. If the balance is not paid in full each month, a 30% annual interest rate applies.

This post was not sponsored. The views and opinions expressed in this review are purely those of RATESDOTCA.

Offer expiry date: N/A subject to change without notice

6. CIBC Dividend® Visa Infinite*Card

CIBC Dividend® Visa Infinite*

card image
Welcome bonus
$152
CIBC Cash Back Rewards
Annual rewards
$582
CIBC Cash Back Rewards
Annual fee
$120
First Year Rebate

Limitless cash back card with 4% earns in 2 different categories.
Great base travel insurance.
Details at a glance Collapse details
Welcome bonus
$152
Annual rewards
$582
Limitless cash back card with 4% earns in 2 different categories.
Great base travel insurance.
Details at a glance Collapse details

Apply for the CIBC Dividend® Visa Infinite* Card to earn 10% cash back for the first four statement periods, up to $2,000 in total purchases. Plus, get an annual fee rebate for the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $30
  • Earn 4% cash back on gas and groceries.
  • Earn 2% cash back on transportation, dining and recurring bill payments.
  • Earn 1% cash back on all other purchases.

Cardholders can access the CIBC Global Money TransferTM service and CIBC Pace It™ plan with this card. Members also get travel and mobile device insurance.

Offer expiry date: N/A subject to change without notice

7. Scotia Momentum® Visa Infinite* Card

Scotia Momentum® Visa Infinite* Card

card image
Welcome bonus
$153
Scotia Cash Back Rewards
Annual rewards
$564
Scotia Cash Back Rewards
Annual fee
$120
First Year Waived

Premium cashback card for families looking to save on groceries
Includes comprehensive travel insurance and rare mobile device insurance
Details at a glance Collapse details
Welcome bonus
$153
Annual rewards
$564
Premium cashback card for families looking to save on groceries
Includes comprehensive travel insurance and rare mobile device insurance
Details at a glance Collapse details

For a limited time, new cardholders of the Scotia Momentum® Visa Infinite* Card can earn 10% cash back for the first three months, up to $2,000 in total purchases. Plus, pay no annual fee for the primary and additional cardholders for the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $50
  • Earn 4% cash back on groceries and recurring bill payments.
  • Earn 2% cash back on gas and daily transit, including rideshare services.
  • Earn 1% cash back on all other purchases.

This card also features exclusive hotel and dining collections, travel and mobile device insurance, and shopping coverage.

Offer expiry date: August 31, 2021

8. SimplyCash™ Preferred Card from American Express

SimplyCash™ Preferred Card from American Express

card image
Welcome bonus
$320
AMEX Cashback Rewards
Annual rewards
$480
AMEX Cashback Rewards
Annual fee
$99

Strong and straightforward cashback rewards rate, 2% acrosss all catagories
Good insurance, and access perks
Details at a glance Collapse details
Welcome bonus
$320
Annual rewards
$480
Strong and straightforward cashback rewards rate, 2% acrosss all catagories
Good insurance, and access perks
Details at a glance Collapse details

The SimplyCash™ Preferred Card from American Express offers cardholders 10% cash back for the first four months, up to $4,000 in total purchases. That is up to $400 cash back.

Regular features and benefits of this card include:

  • Annual fee: $99
  • Annual fee for additional cards: $0
  • Earn 2% cash back on all purchases.

This card also features travel and shopping coverage.

Offer expiry date: N/A subject to change without notice

This post was not sponsored. The views and opinions expressed in this review are purely those of RATESDOTCA.

9. Tangerine World Mastercard®

Tangerine World Mastercard®

card image
Welcome bonus
$0
Money-Back Rewards
Annual rewards
$309
Money-Back Rewards
Annual fee
$0

Bonus: $100 e-Gift card upon approval
Flexible no fee card that gives you the ability to choose what categories earn you the most cash back
Includes rare mobile device insurance
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$309
Bonus: $100 e-Gift card upon approval
Flexible no fee card that gives you the ability to choose what categories earn you the most cash back
Includes rare mobile device insurance
Details at a glance Collapse details

Cardholders of the Tangerine World Mastercard® can get a 1.95% promotional interest rate on balance transfers made within 30 days of opening the account for nine months. A 1% balance transfer fee does apply.

Plus, earn a $100 bonus e-Gift Card from RATESDOTCA upon approval for a Tangerine World Mastercard® or Tangerine Money-Back Credit Card.

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 categories and earn the third when choosing to deposit rewards into a Tangerine Savings Account.
  • Earn 0.5% cash back on all other purchases, with no limit to how much you can earn.

This card also offers free additional cards and features mobile device insurance.

Offer expiry date:

  • Tangerine offer: N/A subject to change without notice
  • RATESDOTCA offer: April 30, 2021

10. BMO CashBack® Mastercard®*

BMO CashBack® Mastercard®*

card image
Welcome bonus
$95
BMO Cash Back Rewards
Annual rewards
$288
BMO Cash Back Rewards
Annual fee
$0

Winner - Best credit card for newcomers to Canada
Cash back rewards include the freedom to redeem anytime
Details at a glance Collapse details
Welcome bonus
$95
Annual rewards
$288
Winner - Best credit card for newcomers to Canada
Cash back rewards include the freedom to redeem anytime
Details at a glance Collapse details

*Best of Finance Winner: Best Credit Card for Newcomers to Canada for 2020

The BMO CashBack® Mastercard®* offers cardholders up to 5% cash back on all purchases for the first three months. Conditions apply.

New cardholders can also take advantage of the 1.99% promotional 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 the first $500 in grocery purchases each month.
  • Earn 1% cash back on the first $500 in recurring bill payments each month.
  • Earn 0.5% unlimited cash back on all other purchases.

Use this card to save up to 25% off car rentals at participating National Car Rental and Alama Rent a Car locations.

Offer expiry date: October 31, 2021

11. CIBC Select Visa* Card

CIBC Select Visa* Card

card image
Welcome bonus
$0
Annual rewards
$0
Annual fee
$29
First Year Rebate

Great low interest rates for savings and consolidation
Annual fee rebated for the first year.
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$0
Great low interest rates for savings and consolidation
Annual fee rebated for the first year.
Details at a glance Collapse details

New cardholders of the CIBC Select Visa* Card can transfer their balance and get 0% interest for up to 10 months. A 1% balance transfer fee does apply. Plus, get an annual fee rebate for the first year.

Regular features and benefits of this card include:

  • Annual fee: $29
  • Annual fee for additional cards: $0
  • Get a 13,99% annual interest rate on purchases and cash advances.

This card also features travel accident insurance.

Offer expiry date: N/A subject to change without notice

Rates, product information, and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. The views and opinions expressed in this review are purely those of RATESDOTCA. Information in this article is accurate as of the date of this posting, April 5, 2021. Read our full disclaimer.

Hayley Vesh

Hayley Vesh is a creative, resourceful, and knowledgeable content producer who is passionate about financial literacy, storytelling, and generating ideas. She writes about credit cards, savings, debt management, and personal finance. In her spare time, Hayley can be found wandering in the woods, hunting for second-hand treasures, or curled up with a steeped tea and a good podcast.

Find Hayley Vesh on LinkedIn.

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