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Best Credit Card Welcome Offers for October 2021

Oct. 1, 2021
13 mins
A young man sits on a patio holding a drink and his phone with shopping bags on the table

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

1. American Express® Aeroplan®* Reserve Card

  • Earn up to 90,000 Aeroplan points and a bonus Buddy Pass.

$599

2. American Express CobaltTM Credit Card

  • Earn up to 50,000 Membership Rewards® points.

$156 ($12.99 per month)

3. TD® Aeroplan® Visa Infinite* Card

  • Earn up to 25,000 Aeroplan points and a bonus Buddy pass.
  • This offer expires on December 5, 2021.

$139 (First year rebated)

4. Scotiabank®* Gold American Express® Card

  • Earn up to 50,000 Scotia Rewards points.
  • This offer expires on November 21, 2021.
  • Earn a $150 Amazon e-Gift Card from RATESDOTCA upon approval until October 31, 2021.

$120 (First year waived)

5. RBC Avion® Visa Infinite Card

  • Earn 35,000 welcome points.
  • This offer expires on November 15, 2021.

$120

6. BMO CashBack World Elite* Mastercard*

  • Earn up to 10% cash back for the first three months.
  • This offer expires on December 6, 2022.

$120 (First year waived)

7. WestJet RBC® World Elite Mastercard

  • Earn up to 450 welcome WestJet dollars.
  • This offer expires on January 5, 2022.

$119

8. Scotiabank PassportTM Visa Infinite* Card

  • Earn up to 40,000 Scotia Rewards points.
  • This offer expires on November 21, 2021.
  • Earn a $150 Amazon e-Gift Card from RATESDOTCA upon approval until October 31, 2021.

$139 (First year waived)

9. World Elite™ Mastercard® from National Bank

  • Earn up to 15,000 points.
  • This offer expires on December 20, 2021.

$150 (First year waived)

10. MBNA Rewards Platinum Plus® Mastercard®

  • Earn four points for every $1 spent on grocery, restaurant, digital media, membership, and household utility purchases for 90 days.
  • Plus, earn up to 10,000 bonus points.

$0

11. SimplyCash™ Card from American Express

  • Earn up to 4% cash back in the first six months.

$0

12. Tangerine World Mastercard®

  • Earn up to 15% cash back for the first two months.
  • This offer expires on November 30, 2021.

$0

13. BMO CashBack Mastercard®*

  • Earn up to 5% cash back for the first three months.
  • This offer expires on December 6, 2022.

$0

1. American Express® Aeroplan®* Reserve Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$1800
+ Annual rewards
$729
- Annual fee
$599
Total first year value
$1930
American Express® Aeroplan®* Reserve Card

card image
Welcome bonus
$1800
Aeroplan Points
Annual rewards
$729
Aeroplan Points
Annual fees:
$599
Interest rates:
19.99% on purchases • 21.99% on cash advances
An accelerated rewards program to help you redeem on all things travel!
Great comprehensive travel insurance included.
Details at a glance Collapse details
Welcome bonus
$1800
Annual rewards
$729
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$1800
+ Annual rewards
$729
- Annual fee
$599
Total first year value
$1930
Annual fees:
$599
Interest rates:
19.99% on purchases
21.99% on cash advances
An accelerated rewards program to help you redeem on all things travel!
Great comprehensive travel insurance included.
Details at a glance Collapse details

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)

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Compare the best credit cards on RATESDOTCA

Find the best credit card for your lifestyle today!

2. American Express CobaltTM Credit Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$875
+ Annual rewards
$1155
- Annual fee
$156
Total first year value
$1874
American Express CobaltTM Credit Card

card image
Welcome bonus
$875
AMEX Rewards points
Annual rewards
$1155
AMEX Rewards points
Annual fees:
$156
Interest rates:
20.99% on purchases • 21.99% on cash advances
2021 Winner – Best Overall Rewards Credit Card, Best Credit Card for Young Professionals, and Best Credit Card for Earning Travel Points.
Particularly great for individuals who live in the city, eat out often or order in.
Details at a glance Collapse details
Welcome bonus
$875
Annual rewards
$1155
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$875
+ Annual rewards
$1155
- Annual fee
$156
Total first year value
$1874
Annual fees:
$156
Interest rates:
20.99% on purchases
21.99% on cash advances
2021 Winner – Best Overall Rewards Credit Card, Best Credit Card for Young Professionals, and Best Credit Card for Earning Travel Points.
Particularly great for individuals who live in the city, eat out often or order in.
Details at a glance Collapse details

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 estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$850
+ Annual rewards
$570
- Annual fee (First Year Rebat)
0
Total first year value
$1420
TD® Aeroplan® Visa Infinite* Card

card image
Welcome bonus
$850
Aeroplan Points
Annual rewards
$570
Aeroplan Points
Annual fees:
$139 (First Year Rebate)
Interest rates:
19.99% on purchases • 22.99% on cash advances
Best Visa Aeroplan Credit Card in Canada
VIP benefits when travelling on Air Canada flights, plus great travel insurance
Details at a glance Collapse details
Welcome bonus
$850
Annual rewards
$570
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$850
+ Annual rewards
$570
- Annual fee (First Year Rebat)
0
Total first year value
$1420
Annual fees:
$139 (First Year Rebate)
Interest rates:
19.99% on purchases
22.99% on cash advances
Best Visa Aeroplan Credit Card in Canada
VIP benefits when travelling on Air Canada flights, plus great travel insurance
Details at a glance Collapse details

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

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Gift card
$150
+ Welcome bonus
$500
+ Annual rewards
$744
- Annual fee (First Year Waived)
0
Total first year value
$1394
Scotiabank®* Gold American Express® Card

card image
Welcome bonus
$500
Scotia Rewards points
Annual rewards
$744
Scotia Rewards points
Annual fees:
$120 (First Year Waived)
Interest rates:
19.99% on purchases • 22.99% on cash advances
$150 Amazon e-Gift Card from RATESDOTCA
2021 Winner – Best Credit Card With No Foreign Transaction Fees for Long Stay Travellers, and Best Credit Card for Staying Home and Ordering In
Strong travel perks and 0% foreign transaction fees compliment great reward value
Details at a glance Collapse details
Welcome bonus
$500
Annual rewards
$744
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Gift card
$150
+ Welcome bonus
$500
+ Annual rewards
$744
- Annual fee (First Year Waived)
0
Total first year value
$1394
Annual fees:
$120 (First Year Waived)
Interest rates:
19.99% on purchases
22.99% on cash advances
$150 Amazon e-Gift Card from RATESDOTCA
2021 Winner – Best Credit Card With No Foreign Transaction Fees for Long Stay Travellers, and Best Credit Card for Staying Home and Ordering In
Strong travel perks and 0% foreign transaction fees compliment great reward value
Details at a glance Collapse details

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

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$750
+ Annual rewards
$527
- Annual fee
$120
Total first year value
$1157
RBC Avion® Visa Infinite

card image
Welcome bonus
$750
RBC Rewards points
Annual rewards
$527
RBC Rewards points
Annual fees:
$120
Interest rates:
19.99% on purchases • 22.99% on cash advances
Travellers earn points redeemable on flights through various airline rewards programs
Includes comprehensive travel insurance and generous mobile device insurance
Details at a glance Collapse details
Welcome bonus
$750
Annual rewards
$527
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$750
+ Annual rewards
$527
- Annual fee
$120
Total first year value
$1157
Annual fees:
$120
Interest rates:
19.99% on purchases
22.99% on cash advances
Travellers earn points redeemable on flights through various airline rewards programs
Includes comprehensive travel insurance and generous mobile device insurance
Details at a glance Collapse details

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*

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$150
+ Annual rewards
$594
- Annual fee (First Year Waived)
0
Total first year value
$744
BMO CashBack World Elite* Mastercard*

card image
Welcome bonus
$150
BMO Cash Back Rewards
Annual rewards
$594
BMO Cash Back Rewards
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 22.99% on cash advances
Strong cash back reward rates in a variety of catagories 
Rare travel perks for a cashback card - includes lounge access and travel insurance
Details at a glance Collapse details
Welcome bonus
$150
Annual rewards
$594
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$150
+ Annual rewards
$594
- Annual fee (First Year Waived)
0
Total first year value
$744
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
22.99% on cash advances
Strong cash back reward rates in a variety of catagories 
Rare travel perks for a cashback card - includes lounge access and travel insurance
Details at a glance Collapse details

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

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$450
+ Annual rewards
$372
- Annual fee
$119
Total first year value
$703
WestJet RBC® World Elite Mastercard

card image
Welcome bonus
$450
WestJet Dollar Rewards
Annual rewards
$372
WestJet Dollar Rewards
Annual fees:
$119
Interest rates:
19.99% on purchases • 22.99% on cash advances
Great card for frequent WestJet travellers
Includes comprehensive insurance, access perks and unique travel benefits
Details at a glance Collapse details
Welcome bonus
$450
Annual rewards
$372
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$450
+ Annual rewards
$372
- Annual fee
$119
Total first year value
$703
Annual fees:
$119
Interest rates:
19.99% on purchases
22.99% on cash advances
Great card for frequent WestJet travellers
Includes comprehensive insurance, access perks and unique travel benefits
Details at a glance Collapse details

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

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Gift card
$150
+ Welcome bonus
$324
+ Annual rewards
$354
- Annual fee (First Year Waived)
0
Total first year value
$828
Scotiabank PassportTM Visa Infinite* Card

card image
Welcome bonus
$324
Scotia Rewards points
Annual rewards
$354
Scotia Rewards points
Annual fees:
$139 (First Year Waived)
Interest rates:
19.99% on purchases • 22.99% on cash advances
$150 Amazon e-Gift Card from RATESDOTCA
Includes strong travel insurance, lounge access and no foreign transaction fees
Rewards points can be redeemed for travel or on statement credits
Details at a glance Collapse details
Welcome bonus
$324
Annual rewards
$354
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Gift card
$150
+ Welcome bonus
$324
+ Annual rewards
$354
- Annual fee (First Year Waived)
0
Total first year value
$828
Annual fees:
$139 (First Year Waived)
Interest rates:
19.99% on purchases
22.99% on cash advances
$150 Amazon e-Gift Card from RATESDOTCA
Includes strong travel insurance, lounge access and no foreign transaction fees
Rewards points can be redeemed for travel or on statement credits
Details at a glance Collapse details

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 estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$150
+ Annual rewards
$1200
- Annual fee (First Year Waived)
0
Total first year value
$1350
World Elite™ Mastercard®

card image
Welcome bonus
$150
À la carte Rewards points
Annual rewards
$1200
À la carte Rewards points
Annual fees:
$150 (First Year Waived)
Interest rates:
20.49% on purchases • 22.49% on cash advances
Great travel perks and benefits including an annual travel fees credit
Redeem your points on travel,  statement credits and much more
Details at a glance Collapse details
Welcome bonus
$150
Annual rewards
$1200
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$150
+ Annual rewards
$1200
- Annual fee (First Year Waived)
0
Total first year value
$1350
Annual fees:
$150 (First Year Waived)
Interest rates:
20.49% on purchases
22.49% on cash advances
Great travel perks and benefits including an annual travel fees credit
Redeem your points on travel,  statement credits and much more
Details at a glance Collapse details

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®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$163
+ Annual rewards
$340
- Annual fee
$0
Total first year value
$503
MBNA Rewards Platinum Plus® Mastercard®

card image
Welcome bonus
$163
MBNA Rewards points
Annual rewards
$340
MBNA Rewards points
Annual fees:
$0
Interest rates:
19.99% on purchases • 24.99% on cash advances
2021 Winner – Best No-Fee Travel Credit Card
Flexible rewards redeemable for travel or cash back
Details at a glance Collapse details
Welcome bonus
$163
Annual rewards
$340
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$163
+ Annual rewards
$340
- Annual fee
$0
Total first year value
$503
Annual fees:
$0
Interest rates:
19.99% on purchases
24.99% on cash advances
2021 Winner – Best No-Fee Travel Credit Card
Flexible rewards redeemable for travel or cash back
Details at a glance Collapse details

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

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$165
+ Annual rewards
$300
- Annual fee
$0
Total first year value
$465
SimplyCash™ Card from American Express

card image
Welcome bonus
$165
AMEX Cashback Rewards
Annual rewards
$300
AMEX Cashback Rewards
Annual fees:
$0
Interest rates:
19.99% on purchases • 21.99% on cash advances
2021 Winner – Best No-Frills Cash Back Credit Card
Straigtforward, no fee card with a generous 6 month welcome offer
Details at a glance Collapse details
Welcome bonus
$165
Annual rewards
$300
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$165
+ Annual rewards
$300
- Annual fee
$0
Total first year value
$465
Annual fees:
$0
Interest rates:
19.99% on purchases
21.99% on cash advances
2021 Winner – Best No-Frills Cash Back Credit Card
Straigtforward, no fee card with a generous 6 month welcome offer
Details at a glance Collapse details

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®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$150
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$459
Tangerine World Mastercard®

card image
Welcome bonus
$150
Money-Back Rewards
Annual rewards
$309
Money-Back Rewards
Annual fees:
$0
Interest rates:
19.95% on purchases • 19.95% on cash advances
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
$150
Annual rewards
$309
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$150
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$459
Annual fees:
$0
Interest rates:
19.95% on purchases
19.95% on cash advances
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

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 estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$95
+ Annual rewards
$288
- Annual fee
$0
Total first year value
$383
BMO CashBack Mastercard®*

card image
Welcome bonus
$95
BMO Cash Back Rewards
Annual rewards
$288
BMO Cash Back Rewards
Annual fees:
$0
Interest rates:
19.99% on purchases • 22.99% on cash advances
2021 Winner - Best No-Fee Cash Back Credit Card
Cash back rewards include the freedom to redeem anytime
Details at a glance Collapse details
Welcome bonus
$95
Annual rewards
$288
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$95
+ Annual rewards
$288
- Annual fee
$0
Total first year value
$383
Annual fees:
$0
Interest rates:
19.99% on purchases
22.99% on cash advances
2021 Winner - Best No-Fee Cash Back Credit Card
Cash back rewards include the freedom to redeem anytime
Details at a glance Collapse details

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 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.

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