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Table of Contents
- Earn up to 35,000 Aventura points with the CIBC Aventura® Visa InfiniteTM Card. That is a travel value of up to $800.
- Get a 0% promotional interest rate on balance transfers for up to 10 months with the CIBC Select Visa* Card. Conditions apply.
- Offer extended: Get a $100 e-Gift Card from RATESDOTCA upon approval for a Tangerine World Mastercard® until May 14, 2021.
Every month, we at RATESDOTCA analyze the best credit cards in Canada to bring you the top sign-up bonuses and welcome offers before they expire.
Some welcome bonuses offer cash back or reward points, while others provide low balance transfer promotions to help cardholders pay down their balance faster and, ideally, pay less interest. An annual fee rebate or waiver can also give cardholders additional savings for the first year.
This extensive list can help cardholders amass thousands of rewards or hundreds of dollars in savings. Compare our top picks to find the best fit for your lifestyle and spending habits.
| Our top picks | ||
|---|---|---|
| Credit card | Welcome offer | Annual fee |
| $139 (First year rebated) | |
| $120 | |
| $120 (First year waived) | |
| $120 | |
| $139 (First year rebated) | |
| $120 | |
| $120 (First year rebated) | |
| $120 (First year waived) | |
| $99 | |
| $0 | |
| $0 | |
| $29 | |
| $0 | |
1. CIBC Aventura® Visa InfiniteTM Card
The CIBC Aventura® Visa InfiniteTM Card offers up to 35,000 bonus Aventura Points. Get 20,000 Aventura Points when you make your first purchase. Get an additional 1,250 points each monthly statement period you spend at least $1,000 on your card in the first 12 months. 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: $50
- Interest rate: Purchases: 20.99%. Cash Advance: 22.99% (21.99% for QB residents) Balance Transfer: 22.99%
- Earn two points for every $1 spent on travel through the CIBC Rewards Centre.
- Earn 1.5 points for every $1 spent at eligible gas stations, grocery stores, and drugstores.
- Earn one point for every $1 spent everywhere else.
This card also features comprehensive travel insurance coverage, a complimentary Priority PassTM membership with four free lounge visits annually, and one NEXUS application fee rebate every four years.
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
Apply for the Scotiabank®* Gold American Express® Card to earn up to 40,000 Scotia Rewards points in the first year. Earn 30,000 Scotia Rewards points when you spend at least $1,000 in the first three months. Earn another 10,000 points when you spend at least $7,500 in the first 12 months.
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, and entertainment purchases.
- Earn three Scotia Rewards points for every $1 spent on eligible gas and daily transit purchases, as well as select streaming services.
- Earn one Scotia Rewards point for every $1 spent everywhere else.
This card also features no foreign transaction fees (usually around 2.5% of foreign currency purchases), travel insurance, and the Best Price Guarantee on airfare through the Scotia Rewards Travel Service.
Offer expiry date: August 31, 2021
3. BMO AIR MILES† World Elite* Mastercard*
New cardholders of the BMO AIR MILES† World Elite* Mastercard* can get 2,000 AIR MILES Bonus Miles when they spend at least $3,000 in the first three months. Plus, BMO will waive the annual fee for the first year.
Get topped up with five times the AIR MILES on groceries until May 31, 2021, at participating retailers like Sobeys and Foodland.
Regular features and benefits of this card include:
- Annual fee: $120
- Annual fee for additional cards: $50
- Earn one Mile for every $10 spent on the card.
Get complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with two free passes annually. This card also features travel insurance.
Offer expiry date: October 31, 2021
4. The American Express® AIR MILES®* Platinum Credit Card
The American Express® AIR MILES®* Platinum Credit Card offers up to 2,000 AIR MILES Bonus Miles when you spend at least $1,500 in the first three months of opening the account.
Regular features and benefits of this card include:
- Annual fee: $120
- Annual fee for additional cards: $0
- Earn one Mile for every $5 spent on eligible food, drink, gas, and transit purchases in Canada.
- Earn one Mile for every $10 spent on all other purchases.
This card also features basic travel insurance coverage.
Offer expiry date: N/A subject to change without notice
5. TD® Aeroplan® Visa Infinite* Card
Apply for the TD® Aeroplan® Visa Infinite* Card to earn up to 20,000 Aeroplan points and a bonus Buddy Pass. Earn 10,000 Aeroplan points when you make your first purchase using the card. Earn an additional 10,000 points and a bonus Buddy Pass when you spend at least $1,000 within the first 90 days. 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: $75
- Earn 1.5 points for every $1 spent on eligible gas, grocery, and direct through Air Canada® purchases made with your card.
- Earn one point for every $1 spent on all other purchases.
Cardholders can earn points twice when they present their Aeroplan number at over 150 Aeroplan partners.
This card also features travel insurance, Air Canada benefits, and a NEXUS application fee rebate every 48 months.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site, including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
Offer expiry date: May 30, 2021
6. American Express® Aeroplan®* Card
The American Express® Aeroplan®* Card offers up to 15,000 Aeroplan points and a bonus Buddy Pass in the first year. Get 9,000 Aeroplan points and a bonus Buddy Pass when you spend at least $1,500 in the first three months of opening the account. Earn an additional 1,000 Aeroplan points each month you spend at least $500 in the first six months.
Regular features and benefits of this card include:
- Annual fee: $120
- Annual fee for additional cards:
- $50 for each cardholder to share some of the benefits
- $0 per cardholder without benefits
- Earn two points for every $1 spent directly through Air Canada® with your card.
- Earn 1.5 points on eligible dining and food delivery purchases in Canada.
- Earn one point for every $1 spent everywhere else.
Access travel insurance coverage and Air Canada benefits with this card.
Offer expiry date: N/A subject to change without notice
7. CIBC Dividend® Visa Infinite* Card
New cardholders of the CIBC Dividend® Visa Infinite* Card can earn up to 10% cash back for the first four months, 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 for every $1 spent on gas and groceries.
- Earn 2% cash back for every $1 spent on transportation, dining, and recurring bill payments.
- Earn 1% cash back for every $1 spent on all other purchases.
This card also features travel insurance, mobile device insurance, and discounts on fuel at select gas stations.
Offer expiry date: N/A subject to change without notice
8. Scotia Momentum® Visa Infinite* Card
Apply for the Scotia Momentum® Visa Infinite* Card to earn 10% cash back for the first three months, up to $2,000 in total purchases. Plus, Scotiabank will waive the 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 for every $1 spent on groceries, recurring bill payments, and subscription purchases like Netflix.
- Earn 2% cash back for every $1 spent on gas and daily transit purchases, including taxis and rideshare services like Uber.
- Earn 1% cash back for every $1 spent everywhere else.
This card also offers travel insurance and mobile device insurance. Cardholders can also access Visa Infinite benefits like 24/7 concierge services.
Offer expiry date: August 31, 2021
9. SimplyCash™ Preferred Card from American Express
The SimplyCash™ Preferred Card from American Express offers new cardholders 10% cash back on all purchases for the first four months, up to $4,000 in total purchases. That is up to $400 in cash back. Plus, earn a $100 statement credit when you spend at least $4,000 on the card in the first four months of opening the account.
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 shopping and travel insurance coverage.
Offer expiry date: N/A subject to change without notice
10. CIBC Aventura® Visa * Card
New cardholders of the CIBC Aventura® Visa * Card can earn up to 10,000 bonus Aventura Points. Get 7,500 points when you make your first purchase. Earn an additional 500 points for completing each of the following five activities:
- Share your email with CIBC
- Sign up for eStatements
- Add an authorized user to the account
- Hold any eligible CIBC chequing account
- Add your CIBC Aventura® Visa * Card to Apple Pay®, Samsung Pay, or Google Pay™
Cardholders must complete the five activities within 60 days of opening the account to qualify.
Regular features and benefits of this card include:
- Annual fee: $0
- Annual fee for additional cards: $0
- Interest rate: Purchases: 20.99%. Cash Advance: 22.99% (21.99% for QB residents) Balance Transfer: 22.99%
- Earn one point for every $1 spent at gas stations, grocery stores and drugstores.
- Earn one point for every $1 spent on travel purchases through the CIBC Rewards Centre.
- Earn one point for every $2 spent on all other purchases.
This card also features basic travel insurance and discounts on fuel at select gas stations.
Offer expiry date: N/A subject to change without notice
11. BMO CashBack® Mastercard®*
Apply for the BMO CashBack® Mastercard®* to earn up to 5% cash back on all purchases for the first three months. Conditions apply.
Cardholders can also access a 1.95% 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 monthly.
- Earn 1% cash back on the first $500 in recurring bill payments monthly.
- Earn 0.5% unlimited cash back on all other purchases.
This card also features basic shopping coverage and discounts on select rental cars.
Offer expiry date: October 31, 2021
12. CIBC Select Visa* Card
The CIBC Select Visa* Card offers cardholders a 0% promotional interest rate on balance transfers for up to 10 months. A balance transfer fee does apply. Also, 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%
- Interest rate (purchases): 13.99%
- Interest rate (cash advances): 13.99%
Pay no transaction fees when you send a CIBC Global Money Transfer™.
Offer expiry date: N/A subject to change without notice
13. Tangerine World Mastercard®
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The Tangerine World Mastercard® offers 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.
Earn a $100 bonus e-Gift Card from RATESDOTCA upon approval for a Tangerine World Mastercard® or Tangerine Money-Back Credit Card until May 14, 2021.
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 (10 Money-Back Categories in total). Start with two and earn the third category when choosing to deposit rewards into a Tangerine Savings Account.
- Earn 0.5% cash back on all other purchases.
This card also features mobile device insurance and rental car insurance.
Offer expiry date:
- Tangerine offer: N/A subject to change without notice
- RATESDOTCA offer: May 14, 2021
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, May 3, 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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