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Best credit card welcome offers for March 2022
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Spring break is just around the corner, and whether you plan to take a vacation or a staycation, an excellent credit card welcome offer can make your time off that much more rewarding.
Most credit cards have more to offer than a simple form of payment — they provide you with access to exclusive perks and benefits, too. Whether you get airport lounge access, hotel offers, or even a bonus Buddy Pass for your travel companion to go anywhere Air Canada flies in North America, your credit card may provide everything you need to take a break. Plus, travel insurance coverage for your peace of mind.
Compare credit cards and our comprehensive list of welcome offers for March — you could get an extra bonus from RATESDOTCA.
| Our top picks | ||
|---|---|---|
| Credit card | Welcome offer | Annual fee |
| $156 ($12.99 per month) | |
| $139 (First year rebated†) | |
| $250 | |
| $120 | |
| $120 | |
| $120 (First year waived) | |
| $120 (First year waived) | |
| $120 (First year waived) | |
| $120 (First year rebated†) | |
| 10. MBNA Rewards Platinum Plus® Mastercard® |
| $0 |
| $0 | |
| 12. BMO CashBack Mastercard®* |
| $0 |
| 13. Scotia Momentum® No-Fee VISA* Card |
| $0 |
| 14. HSBC Travel Rewards Mastercard® |
| $0 |
† Terms and conditions apply.
Compare the best credit cards on RATESDOTCA
Find the best credit card for your lifestyle today!
1. American Express Cobalt® Credit Card
The American Express Cobalt® Credit Card offers up to 30,000 Membership Rewards® points in the first year. You can earn 2,500 points for each monthly billing period in which you spend at least $500 on the card.
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.
The American Express Cobalt® Credit 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)
2. TD® Aeroplan® Visa Infinite* Card
Apply for the TD® Aeroplan® Visa Infinite* Card to earn up to 50,000 Aeroplan points. Earn 10,000 Aeroplan points when you make your first purchase using your card†. Earn 20,000 points when you spend at least $1,500 in the first 90 days of opening the account†. Earn an additional 20,000 points when you spend at least $7,500 in the first year†. (This offer is not available to residents of Quebec). Must apply online by September 5, 2022.
Regular features and benefits of this card include:
- Annual fee: $139
- Annual fee for additional cards: $75
- Earn 1.5 Aeroplan points for every $1 spent on eligible gas, grocery, and Air Canada purchases.
- Earn one Aeroplan point for every $1 spent on all other purchases.
This card is chock-full of travel perks. Enroll for NEXUS and get an application fee rebate every 48 months (up to a $100 value). Also, access exclusive Visa Infinite benefits for hotel perks and experiences and Air Canada benefits for savings on baggage fees†.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
Offer expiry date: September 5, 2022
† Terms and conditions apply.
3. American Express® Gold Rewards Card
The American Express® Gold Rewards Card offers up to 60,000 bonus Membership Rewards® points. Earn a Welcome Bonus of 50,000 points when you charge at least $3,000 in purchases to your card in the first three months. Earn an additional 10,000 points when you make a purchase between 14 and 17 months of membership.
Regular features and benefits of this card include:
- Annual fee: $250
- Annual fee for additional cards: $50
- Earn two Membership Rewards® points for every $1 spent on eligible travel, including flights, car rentals, and more.
- Earn two Membership Rewards® points for every $1 spent on eligible gas, grocery, and drugstore purchases in Canada.
- Earn one Membership Rewards® point for every $1 spent on all other purchases.
Members receive a $100 annual travel credit toward any single travel booking of $100 or more charged to their card. Plus, get four complimentary lounge visits to Plaza Premium Lounges annually and a $50 statement credit when a NEXUS application or renewal fee is charged to the card.
Offer expiry date: N/A (Subject to change without notice)
4. Scotiabank®* Gold American Express® Card
Apply for the Scotiabank®* Gold American Express® Card to earn up to 45,000 bonus Scene+ points. Earn 25,000 Scene+ points when you charge at least $1,000 in purchases to the card in the first three months. Earn an additional 20,000 Scene+ points when you spend at least $7,500 in everyday purchases in the first 12 months.
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 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.
Pay no foreign transaction fees on purchases made abroad or at foreign merchants online with this lifestyle card. Plus, get travel and shopping insurance, concierge services, and access to Scene+ Travel (a full-service travel agency).
Offer expiry date: July 4, 2022
5. RBC Avion® Visa Infinite Card
The RBC Avion® Visa Infinite Card offers 35,000 welcome points upon enrolment. Points will appear on your first monthly credit card statement.
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: April 18, 2022
6. BMO eclipse Visa Infinite* Card
New members of the BMO eclipse Visa Infinite* Card can earn up to 60,000 points in the first year. Get 30,000 points when you spend at least $3,000 in the first three months and 2,500 points for each subsequent month in which you spend at least $2,000 on the card for 12 months. This could add up to 30,000 points. 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 five points for every $1 spent on dining in or dining out (restaurants or takeout), groceries, gas, and transit purchases (up to $50,000 spent annually).
- Earn one point for every $1 spent on all other purchases.
This card offers more ways to earn. Get 10% more points with an authorized user. That’s 5.5 points for every $1 spent in the accelerated categories and 1.1 points per dollar spent everywhere else. Plus, get a $50 annual lifestyle credit to use however you like.
Offer expiry date: December 6, 2022
7. BMO CashBack World Elite* Mastercard*
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Apply for the BMO CashBack World Elite* Mastercard* to 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 automobile and 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* is an excellent lifestyle card, offering handy perks like roadside assistance and concierge services, as well as little luxuries such as Mastercard Airport Experiences provided by LoungeKey.
Offer expiry date: December 6, 2022
8. Scotia Momentum® Visa Infinite* Card
The Scotia Momentum® Visa Infinite* Card offers 10% cash back on up to $2,000 in total purchases for the first three months, and Scotiabank will waive the annual fee for primary and supplementary cards 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 for every $1 spent on groceries, subscription purchases, and recurring bill payments.
- Earn 2% cash back for every $1 spent on gas and daily transit purchases, including buses and rideshare services.
- Earn 1% cash back for every $1 spent on all other purchases.
The Scotia Momentum® Visa Infinite* Card has you covered, from travel insurance to mobile device insurance. It also features Visa Infinite benefits such as concierge services and hotel perks.
Offer expiry date: May 1, 2022
9. TD Cash Back Visa Infinite* Card
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The TD Cash Back Visa Infinite* Card offers 10% cash back in your first three months, up to $2,000 in total purchases†. After that, earn up to 6% cash back on gas and grocery purchases, and pre-authorized payments in your first three months, up to $3,500†.
Plus, TD will rebate the annual fee for the primary cardholder and one additional cardholder for the first year†. (This offer is not available to residents of Quebec). Must apply online by September 5, 2022.
Regular features and benefits of this card include:
- Annual fee: $120
- Annual fee for additional cards: $50
- Earn 3% in Cash Back Dollars for every $1 spent on eligible grocery and gas purchases and regularly recurring bill payments.
- Earn 1% in Cash Back Dollars for every $1 spent on all other purchases.
Get a free Deluxe TD Auto Club Membership for emergency roadside assistance and auto rental collision/loss damage insurance, among other travel insurance coverage. Plus, access Visa Infinite benefits, including culinary experiences and concierge services.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
Offer expiry date: September 5, 2022
† Terms and conditions apply.
10. 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 in 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)
11. SimplyCash™ Card from American Express
Apply for the SimplyCash™ Card from American Express to earn up to 4% cash back on all purchases for the first six months (up to $5,000 spent). That is up to $200 cash back.
Regular features and benefits of this card include:
- Annual fee: $0
- Annual fee for additional cards: $0
- Earn 1.25% cash back on all purchases.
Access American Express® Experiences for exclusive offers and curated events. This card also features travel accident insurance, extended warranty, and purchase protection.
Offer expiry date: N/A (Subject to change without notice)
12. BMO CashBack Mastercard®*
The BMO* CashBack® Mastercard®* offers 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: December 6, 2022
13. Scotia Momentum® No-Fee VISA* Card
The Scotia Momentum® No-Fee VISA* Card offers 5% cash back on up to $2,000 in total purchases for the first three months. Plus, get a 2.99% introductory interest rate on purchases and balance transfers for the first six months (after, 20.99% on purchases, 22.99% balance transfers). Conditions apply.
Regular features and benefits of this card include:
- Annual fee: $0
- Annual fee for additional cards: $0
- Earn 1% cash back for every $1 spent on eligible gas, grocery, and drugstore purchases, as well as recurring bill payments.
- Earn 0.5% cash back on all other eligible purchases.
Save up to 25% off base rates on rental cars at participating AVIS and Budget locations across the U.S. and Canada.
Offer expiry date: May 1, 2022
14. HSBC Travel Rewards Mastercard®
Apply for the HSBC Travel Rewards Mastercard® and earn 20,000 points if you keep your account open for 180 days (about six months).
Regular features and benefits of this card include:
- Annual fee: $0
- Annual fee for additional cards: $0
- Earn three points for every $1 spent on eligible travel purchases.
- Earn two points for every $1 spent on eligible gas and daily transportation purchases, including subways and taxis.
- Earn one point for every $1 spent on all other eligible purchases.
This no-fee card offers basic travel insurance, including baggage delay insurance, hotel/motel burglary insurance, and trip interruption insurance, in addition to the typical shopping coverage found on most credit cards.
Offer expiry date: May 2, 2022
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, March 1, 2022. 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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