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Before It’s Too Late! Best Credit Card Welcome Offers of December 2019

Dec. 2, 19
5 mins
A person taps their credit card to pay at a store

The holiday season is upon us and the shopping has already begun. You may be making multiple trips to the store or cashing in on some cyber deals, but do you have a credit card that is rewarding you for your spending? Now may be the best time to benefit from a great credit card welcome offer, especially if you want to maximize your return or collect bonus rewards.

These rewards may vary from cash back to travel points, or low balance transfer promotional interest rates. Plus, these features may be even more rewarding during the welcome promotion period.

We’ve broken down and sorted the current welcome offers and picked the four best for the month of December. These promotions generally run for a limited time, so before it’s too late, check out the best credit card welcome bonus offers for this month:

Our Top Picks:

Tangerine Money-Back Credit Card

Sign up for the Tangerine Money-Back Credit Card and earn 4% Money-Back rewards in up to three categories for three months. Start with two Money-Back categories and earn a third when you choose to deposit your rewards into a Tangerine Savings Account.

This no-fee card also offers a low promotional interest rate of 1.95% on balance transfers for the first six months of card membership. However, a 3% balance transfer fee will apply to the amount transferred.

Plus, if you apply for a Tangerine Money-Back Credit Card before December 31, 2019, you’ll receive a $75 e-Gift Card from upon approval.

Regular features and benefits of this card include:

  • 2% Money-Back rewards in two categories of your choice (after the 4% promotion expires)
  • Earn a third category at 2% when you deposit your rewards into a Tangerine Savings Account
  • 0.50% on everything else

There are no limits to the Money-Back rewards you can earn, and you can change your Money-Back categories to match your spending habits. Rewards are added to your credit statement or deposited into your Tangerine Savings Account monthly.

If you make $60,000 or more, consider the Tangerine World Mastercard instead as it has extra added benefits.

Sign-Up Bonus Expiry Date:

  • Tangerine welcome offer applies to applications made by January 31, 2020
  • offer expires December 31, 2019

True Line® Mastercard® Credit Card

Apply for the MBNA True Line® Mastercard® credit card and access a 12.99% interest rate on balance transfers. A 3% fee (minimum of $7.50) applies to amounts transferred.

Regular features and benefits of this card include:

  • Standard interest rate of 12.99%

With this card, you can access around the clock customer service, international cash advances, and discounts on select rental car companies. The MBNA True Line® Mastercard® also features Mastercard® Zero Liability for protection against unauthorized purchases.

TD Cash Back Visa Infinite* Card

The TD Cash Back Visa Infinite* Card offers new cardholders 10% back on all purchases for the first three months up to a total spend of $2,000 and the $120 annual fee is waived for the first year.

Regular features and benefits of this card include:

  • Regular earn rate of 3% cash back on eligible grocery purchases, gas purchases, and regularly recurring bill payments set up on your account
  • Earn 1% cash back on everything else

This card also offers: emergency road services with the Deluxe TD Auto Club Membership, travel benefits, exclusive offers, and complimentary Visa Infinite Concierge services.

Sign-Up Bonus Expiry Date: March 2, 2020

TD® First Class Travel® Visa Infinite* Card

Sign up for the TD® First Class Travel® Visa Infinite* Card and earn up to an additional 80,000 bonus TD Points. That is a $400 value. Plus, the $120 annual fee for the primary cardholder is waived for the first year.

Bonus points requirements:

  • Earn the first 20,000 bonus points when you make your first purchase using the card
  • Earn five times the TD Points on all purchased for the first three months (up to a maximum of 20,000 TD Points per month)

Regular features and benefits of this card include:

  • Earn three TD Points per dollar on everyday purchases
  • Earn nine TD Points when you book your travel through Expedia for TD

Cardholders can redeem their points for travel, travel-related purchases, merchandise, and gift cards. Points can also be applied as a cash credit to your account. Enjoy no travel blackouts, no seat restrictions, and an extensive suite of travel insurance.

Sign-Up Bonus Expiry Date: March 2, 2020


The RATESDOTCA editorial team are experienced writers focused on sharing stories and bringing you the latest news in insurance and personal finance. Our goal is to provide Canadians with the information and resources they need to make better insurance and financial decisions.

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