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Best Credit Card Welcome Offers for April 2021
Table of Contents
- Check out this travel credit card with a bonus of up to $800 in value.
- Several cash back cards are offering up to 10% back on all purchases.
- Take advantage of a 0% promotional interest rate on balance transfers for 10 months.
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 |
| $139 (First year rebated) | |
| $120 | |
| $120 (First year waived) | |
| $139 (First year rebated) | |
| $120 | |
| $120 (First year rebated) | |
| $120 (First year waived) | |
| $99 | |
| $0 | |
| $0 | |
| $29 (First year rebated) | |
1. CIBC Aventura® Visa InfiniteTM
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
- Interest rate: Purchases: 20.99%. Cash Advance: 22.99% (21.99% for QB residents) Balance Transfer: 22.99%
- 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
Compare the best credit cards on RATESDOTCA
Find the best credit card for your lifestyle today!
2. Scotiabank®* Gold American Express® Card
*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*
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
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
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
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
- Interest rate: Purchases: 20.99%. Cash Advance: 22.99% (21.99% for QB residents) Balance Transfer: 22.99%
- 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
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
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®
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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: May 14, 2021
10. BMO CashBack® Mastercard®*
*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
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
- Interest rate: Purchases: 20.99%. Cash Advance: 22.99% (21.99% for QB residents) Balance Transfer: 22.99%
- 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 Osmond, Freelance writer
Hayley Osmond is an editor and writer in the personal finance space, where she uses her eight years of media and marketing experience to bring content to life. She specializes in money products, including mortgages, home and auto insurance, and credit cards. Hayley holds a Broadcast Journalism diploma from Sheridan College and was awarded the Shaw Media Journalism and Media Award for graduating at the top of her class. Her work has appeared in Global News and diverse digital corporate training materials behind the scenes.
Hayley is passionate about making complex subjects, such as home buying and financial literacy, concise and intriguing. Her work has garnered media coverage from The Globe and Mail, blogTO, Yahoo! News, and CityNews 680 and has been syndicated across other publications.
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