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Best Credit Card Welcome Offers for October 2021
Table of Contents
Just as the seasons change, so too do your spending habits. Suppose you find yourself warming up to indoor dining at restaurants or transitioning into a health kick and buying bundles of fresh food from the grocery store. In that case, your credit card may not adapt to your new lifestyle, providing fewer rewards than before.
Fortunately, there are many types of credit cards for all kinds of people. Whether you like to travel, are a homebody, or buy lots of miscellaneous items, the right credit card can reward you for your purchases — no matter how unique.
Compare the best credit cards in Canada using our extensive list of offers. You’ll be hard-pressed not to find one that piques your interest and fits your daily routine. From cash back to points and everyday benefits, your credit card can be a powerful tool in your wallet.
| Our top picks | ||
|---|---|---|
Credit card | Welcome offer | Annual fee |
| $599 | |
| $156 ($12.99 per month) | |
| $139 (First year rebated) | |
| $120 (First year waived) | |
| $120 | |
| $120 (First year waived) | |
| $119 | |
| $139 (First year waived) | |
| $150 (First year waived) | |
| $0 | |
| $0 | |
| $0 | |
| $0 | |
1. American Express® Aeroplan®* Reserve Card
Apply for the American Express® Aeroplan®* Reserve Card to earn up to 90,000 Aeroplan points and a bonus Buddy Pass. Earn 30,000 Aeroplan points and a bonus Buddy Pass when you spend at least $3,000 in the first three months. Plus, earn 5,000 Aeroplan points for each monthly billing period in which you spend $1,000 on your card for the first year. That could add up to 60,000 Aeroplan points.
Regular features and benefits of this card include:
- Annual fee: $599
- Annual fee for additional cards:
- $199 to share in some of the Reserve Card benefits
- $0 to get the no-fee card benefits
- Earn three Aeroplan points for every $1 spent on eligible Air Canada® and Air Canada Vacations® purchases.
- Earn two Aeroplan points for every $1 spent on eligible dining and food delivery purchases in Canada.
- Earn 1.25 points for every $1 spent on all other purchases.
Get the VIP treatment with Priority Airport Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada. Access Maple Leaf Lounges in North America and other Air Canada benefits.
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. American Express CobaltTM Credit Card
New members of the American Express CobaltTM Credit Card can earn up to 50,000 Membership Rewards® points in the first year. Earn 2,500 points for each monthly billing period in which you spend at least $500 on your card for 12 months. This could add up to 30,000 points. Plus, earn a Welcome Bonus of 20,000 points when you spend at least $3,000 on your card in the first three months.
Regular features and benefits of this card include:
- Monthly fee: $12.99 ($156 per year)
- Annual fee for additional cards: $0
- Earn 5X the points for every $1 spent on eligible restaurant and food delivery purchases in Canada.
- Earn 3X the points for every $1 spent on eligible streaming subscriptions.
- Earn 2X the points for every $1 spent on eligible travel and transit purchases.
- Earn 1X the points for every $1 spent on all other purchases.
On top of travel and shopping insurance, this card now features mobile device insurance, too, as well as access to exclusive events and deals through the American Express® Experiences and Cobalt Perks programs.
Offer expiry date: N/A (Subject to change without notice)
3. TD® Aeroplan® Visa Infinite* Card
The TD® Aeroplan® Visa Infinite* Card offers up to 25,000 Aeroplan points and a bonus Buddy Pass. Earn 10,000 Aeroplan points when you make your first purchase on the card. Get an additional 15,000 Aeroplan points and a bonus Buddy Pass when you spend at least $1,000 in the first 90 days of opening the account. Plus, TD will rebate the $139 annual fee for the first year.
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 Air Canada® and Air Canada Vacations® purchases made with your card.
- Earn one Aeroplan point for every $1 spent on everything else.
Access Air Canada travel benefits, like savings on baggage fees, and Visa Infinite benefits like concierge service and dining discounts. Not only that, but you also get travel, mobile device, and shopping insurance on this card.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
Offer expiry date: December 5, 2021
4. Scotiabank®* Gold American Express® Card
Apply for the Scotiabank®* Gold American Express® Card to earn up to 50,000 Scotia Rewards points in the first year. That is a travel value of up to $500.
Earn 30,000 Scotia Rewards points when you spend at least $1,000 in the first three months. Get an additional 20,000 Scotia Rewards points when you spend at least $7,500 in the first 12 months. Plus, Scotiabank will waive the $120 annual fee for the first year.
Not only that, but for a limited time, you can also earn a $150 Amazon e-Gift Card from RATESDOTCA upon approval until October 31, 2021.
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 eligible grocery, restaurant, food delivery, food subscription, and entertainment purchases.
- Earn three Scotia Rewards points for every $1 spent on eligible gas and daily transit purchases and select streaming services.
- Earn one Scotia Rewards point on all other purchases.
Get everyday benefits and travel perks with this card. Pay no foreign transaction fees on foreign currency purchases made online and abroad (only the exchange rate applies), access the Scotia Rewards Travel Service, and get eight types of insurance coverage. You can also access exclusive events and offers through American Express Invites®.
Offer expiry date:
- Scotiabank offer: November 21, 2021
- RATESDOTCA offer: October 31, 2021
5. RBC Avion® Visa Infinite Card
Apply for the RBC Avion® Visa Infinite to get 35,000 welcome points upon enrollment. That is a travel value of up to $750.
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 (1.25 points) for every $1 spent on eligible travel-related purchases.
Instantly save three cents per litre on fuel at Petro-Canada and earn 20% more RBC Rewards. Plus, you can get a free 12-month DashPass subscription when you pay with your eligible card.
Offer expiry date: November 15, 2021
6. BMO CashBack World Elite* Mastercard*
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The BMO CashBack World Elite* Mastercard* offers 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.
Get everyday benefits like roadside assistance and concierge service, as well as travel perks, including a complimentary membership in Mastercard Airport Experiences provided by LoungeKey and travel insurance.
Offer expiry date: December 6, 2022
7. WestJet RBC® World Elite Mastercard‡
New members of the WestJet RBC® World Elite Mastercard‡ can get up to 450 welcome WestJet dollars. Get 250 welcome WestJet dollars upon approval and an additional 200 welcome WestJet dollars when you spend at least $5,000 on your card within the first three months.
Regular features and benefits of this card include:
- Annual fee: $119
- Annual fee for additional cards: $59
- Earn 2% in WestJet dollars for every $1 spent on WestJet flights or WestJet Vacations packages.
- Earn 1.5% in WestJet dollars for every $1 spent on all other purchases.
Instantly save three cents per litre on fuel at Petro-Canada when you link your card and earn 20% more Petro-Points. Plus, get $0 delivery fees on orders of $12 or more for 12 months from DoorDash when you pay with your card.
Offer expiry date: January 5, 2022
8. Scotiabank PassportTM Visa Infinite* Card
Apply for the Scotiabank PassportTM Visa Infinite* 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 on your card in the first three months. Earn an additional 10,000 Scotia Rewards points when you spend at least $40,000 on purchases annually. Plus, pay no annual fee for the first year, including on supplementary cards.
Not only that, but for a limited time, you can also earn a $150 Amazon e-Gift Card from RATESDOTCA upon approval until October 31, 2021.
Regular features and benefits of this card include:
- Annual fee: $139
- Annual fee for additional cards: $0
- Earn two Scotia Rewards points for every $1 spent on eligible grocery, dining, entertainment, and daily transit purchases.
- Earn one Scotia Rewards point for every $1 spent on all other purchases.
This travel card is loaded with perks. Get a complimentary Priority Pass™ membership and six free lounge passes annually, access the Best Price Guarantee on airfare through the Scotia Rewards Travel Service, and pay no foreign transaction fees.
Offer expiry date:
- Scotiabank offer: November 21. 2021
- RATESDOTCA offer: October 31, 2021
9. World Elite™ Mastercard® from National Bank
The World Elite™ Mastercard® from National Bank offers 15,000 rewards points when you spend at least $3,000 on the card in the first three months. That is up to a $125 travel value.
Regular features and benefits of this card include:
- Annual fee: $150
- Annual fee for additional cards: $50
- Earn 1.5 points for every $1 spent on your card, up to $40,000 in purchases annually.
- Earn 2 points for every $1 spent on your card, between $40,001 and $80,000 annually.
- Earn 1.5 points for every $1 on your card above $80,000 annually.
Get comprehensive travel insurance coverage and up to $250 back on your travel expenses. Plus, access the National Bank Lounge at Montréal-Pierre Elliott Trudeau International Airport.
Offer expiry date: December 20, 2021
10. MBNA Rewards Platinum Plus® Mastercard®
Apply for the MBNA Rewards Platinum Plus® Mastercard® to earn 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.
Earn up to 10,000 Birthday Bonus Points annually — a recent addition to this card.
Offer expiry date: N/A (Subject to change without notice)
11. SimplyCash™ Card from American Express
Earn up to 4% cash back for the first six months with the SimplyCash™ Card from American Express. You can earn up to $200 back ($5,000 in total purchases).
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, with no limit to how much you can earn.
Get travel accident insurance, extended warranty, and purchase protection on this card.
Offer expiry date: N/A (Subject to change without notice)
12. Tangerine World Mastercard®
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New Tangerine World Mastercard® members can earn 15% cash back on up to $1,000 in total purchases for the first two months. That is up to $150 cash back.
Plus, get a 1.95% promotional interest rate on balance transfers made within the first 30 days of opening the account for six 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 2% cash back in up to three Money-Back Categories of your choice. Start with two categories and earn the third when depositing your rewards into a Tangerine Savings Account. Choose from the following 10 Money-Back Categories: grocery, furniture, restaurants, hotel-motel, gas, recurring bill payments, drugstore, home improvement, entertainment, and public transportation and parking.
- Earn 0.50% cash back on all other purchases.
Get free additional cards for authorized users and basic travel insurance.
Offer expiry date: November 30, 2021
13. 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 grocery purchases monthly.
- Earn 1% cash back on your first $500 in recurring bill payments monthly.
- 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.
Offer expiry date: December 6, 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, October 1, 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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