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Canadian Credit Card Signup Offers

Last updated: Jan 12,2025

Personal cards:

Card Offer Estimated Value Min Spend Referral required Targeted ATH RHT Expiry FYF AF
AMEX Platinum 140000 MR + $150 (GCR) $2950 $10000 + 1 purchase month 14- 17 No No Yes No Jan 28, 2025 No $799
AMEX Gold 70000 MR $1400 $1000 x 12 months No Yes No No N/A No $250
AMEX Cobalt 24000 MR $480 $750 x 12 months Yes No No No Jan 28, 2025 No $155.88
AMEX Aeroplan Reserve 85000 Aeroplan points + $125 (GCR) $1825 $7500/12 months + $2500 month 13 No No No No N/A No $599
AMEX Aeroplan 45000 Aeroplan points $900 $3000/9 months + $1000 month 13 No Yes No No N/A No $120
AMEX Marriot Bonvoy 50000 marriott points + $75 $495 - $635 $1500/3 No No No No N/A No $120
AMEX SimplyCash Preferred $250 + $50 (GCR) $300 $2000/3 months+ 1 purchase month 13 No No No N/A N/A No $119.88
AMEX SimplyCash $100 + $30 (GCR) $130 $2000/3 months No No No N/A N/A N/A $0
AMEX Green 12500 MR $250 $1250/3 months No Yes Yes? No N/A N/A $0
BMO eclipse rise Visa 20000 BMO points + $50 (FF) $183 $1500/3 months No No ? Yes Jun 1, 2025 Yes $0
BMO eclipse Visa Infinite 60000 BMO points + $75 (FF) $475 $3000/3 months + $2000 x 9 months No No ? Yes Jun 1, 2025 Yes $120
BMO Ascend World Elite Mastercard 90000 BMO points + $75 (FF) $675 $4500/3 months + $2500 x 12 months No No ? Yes Jun 1, 2025 Yes $150
BMO eclipse Visa Infinite Privilege 120000 BMO points + $100 (FF) $900 $6000/3 months + $30000/6 months + $75000/12 months No No ? Yes Jun 1, 2025 No $499
BMO CashBack Mastercard $125 + $50 (FF) $175 $2500/3 months No No ? N/A Jun 1, 2025 Yes $0
BMO AIR MILES Mastercard 800 miles + $50 (FF) $134 $1000/3 months No No ? No Jun 1, 2025 Yes $0
BMO CashBack World Elite Mastercard $250 + $75 (FF) $325 $2500/3 months No No ? N/A Jun 1, 2025 Yes $120
BMO Air Miles World Elite Mastercard 2000 miles + $75 (FF) $285 $3000/3 months No No ? No Jun 1, 2025 Yes $120
BMO Student CashBack Mastercard $125 $125 $2500/3 months No No ? N/A N/A Yes $0
BMO Student AIR MILES Mastercard 800 miles $84 $1000/3 months No No ? No Jun 1, 2025 Yes $0
CIBC Aventura Visa Infinite 45000 Aventura points $562.50-$882 $3000/4 months No No No No N/A Yes $139
CIBC Aeroplan Visa Infinite 40000 Aeroplan points $800 $5000/4 months + $10000/12 months No No No No N/A Yes $139
CIBC Aventura Visa Infinite Privilege 80000 Aventura points $1000-$1568 $6000/4 months + $25000/12 months No No No No N/A No $499
CIBC Aeroplan Visa Infinite Privilege 70000 Aeroplan points $1400 $7000/4 months + $15000/12 months No No No No N/A No $599
CIBC Aventura Gold Visa 45000 Aventura points $562.50-$882 $3000/4 months No No No No N/A Yes $139
CIBC Aventura Visa 10000 Aventura points $125 - $196 1 purchase/4 months No No ? No N/A Yes $0
CIBC Aeroplan Visa 10000 $200 $3000/4 months + $10000/12 months No No ? No N/A Yes $0
CIBC Aventura Visa for Students 10000 $125 - $196 1 purchase/4 months No No ? No N/A Yes $0
CIBC Aeroplan Visa for Students 10000 $200 $3000/4 months + $10000/12 months No No ? No N/A Yes $0
CIBC Dividend Visa Infinite $200 $200 $2000/4 months No No ? N/A N/A Yes $120
CIBC Dividend Platinum Visa $200 $200 $2000/4 months No No ? N/A N/A Yes $99
CIBC Dividend Visa for Students $100 $100 1 purchase/4 months No No ? N/A N/A Yes $0
CIBC US Dollar Aventura Gold Visa 2500 $31.25-$49 No No ? N/A N/A Yes US$35
Laurentian Bank Visa Infinite 12000 $120 $1500/3 months No No No Yes No $120
Laurentian Bank Visa Cashback $60 $60 $1000/3 months No No ? N/A No $65
Laurentian Bank Visa Reward Me 2000 $20 1 purchase/3 months No No ? Yes Yes $0
MBNA True Line Mastercard $40 (GCR) $40 N/A No No ? N/A N/A Yes $0
MBNA True Line Gold Mastercard $40 (GCR) $40 N/A No No ? N/A N/A No $39
MBNA Rewards Platinum Plus Mastercard 50000 + $75 (GCR) $575 $10000/12 months No No ? No N/A Yes $0
MBNA Rewards World Elite Mastecard 30000 + $80 (GCR) $380 $2000/3 months No No No No N/A No $120
MBNA Smart Cash Platinum Plus Mastercard $150 + $50 (GCR) $200 $500 x 6 months No No ? N/A N/A Yes $0
MBNA Smart Cash World Mastercard $150 + $50 (GCR) $200 $500 x 6 months No No ? N/A N/A Yes $39
MBNA Amazon.ca Rewards Mastercard $150 $150 $3000/6 months No No No N/A N/A Yes $0
National Bank World Elite Mastercard 40000 $400 $5000/3 months + $10000/6 months + $15000/12 months No No No No Mar 31, 2025 No $150
Neo Credit $60 (FF) $60 $0 No No Yes? N/A N/A Yes $0
Neo Secured Credit $25 + $25 (FF) $50 $0 No No Yes? N/A N/A Yes $0
Neo World Mastercard $50 (FF) $50 $0 No No Yes? N/A N/A Yes $0
PC Mastercard 20000 +$35 (GCR) $55 $0 No No ? No N/A Yes $0
PC Insiders World Elite Mastercard 250000 + $50 (GCR) $250 $3000/4 months No No Yes? No N/A Yes $120
RBC Avion Visa Infinite 35000 $595 $0 No No No No N/A No $120
RBC ION+ Visa 3500 $60 $0 No No No No N/A No No
RBC Westjet World Elite Mastercard 450 $450 $5000/3 months No No No No Apr 1, 2025 Yes $119
RBC ION Visa 3500 $60 $0 No No ? No N/A Yes $0
RBC moi Visa 10000 $80 $500/3 months + $2000/12 months No No Yes? No Jan 31, 2025 Yes $0
RBC Avion Visa Infinite Privilege 70000 $1190 $5000/6 months No No Yes? No Jan 15, 2025 No $399
RBC Avion Visa Platinum 35000 $595 $0 No No ? No N/A No $120
RBC WestJet Mastercard 100 $100 $1000/3 months No No ? No N/A No $39
RBC British Airways Visa Infinite 60000 $1020 $6000/3 months No No No No N/A No $165
Rogers Red Mastercard $60 + $50 (FF) $110 1 purchase/3 months + 6 auto payments/8 months No No Yes? N/A N/A Yes $0
Rogers Red World Elite Mastercard $50 (FF) $50 $0 No No ? N/A N/A Yes $0
Scotiabank Passport Visa Infinite 40000 + $100 (GCR) $500 $2000/3 months + $40000/12 months No No Yes Yes Jul 1, 2025 Yes $150
Scotiabank Momentum Visa Infinite $200 $200 $2000/3 months No No No Yes Yes Oct 31, 2025 Yes
Scotiabank Gold Amercian Express 40000 + $100 (GCR) $500 $2000/3 months + $7500/6 months No No No Yes Jul 1, 2025 Yes $120
Scotiabank Scene+ Visa 7500 $75 $1250/3 months No No ? Yes Mar 2, 2025 Yes $0
Scotia Momentum No-Fee Visa $100 $100 $2000/3 months No No ? N/A N/A Yes $0
Scotiabank American Express $50 $50 $1000/3 months No No ? N/A Yes Jul 1, 2025 Yes
Scotiabank Platinum American Express 80000 $800 $3000/3 months + $10000/14 months No No Yes? Yes Oct 31, 2025 No $399
Scotiabank Scene+ Visa for Students 7500 $75 $1000/3 months No No ? Yes Mar 2, 2025 Yes $0
Scotia Momentum No-Fee Visa for Students $100 $100 $2000/3 months No No ? N/A N/A Yes $0
Scotiabank American Express for Students $50 $50 $1000/3 months No No ? N/A Yes Jul 1, 2025 Yes
Simplii Financial Cash Back Visa $100 + $60 (GCR) $160 $1000/3 months No No No N/A N/A Yes $0
Tangerine World Mastercard $100 + $150 (FF) $250 $1000/ 2 months No No Yes? N/A Jan 31, 2025 Yes $0
Tangerine Money-Back $100 + $150 (FF) $250 $1000/2 months No No Yes? N/A Jan 31, 2025 Yes $0
TD Aeroplan Visa Infinite 40000 $800 $7500/6 months + $12000/12 months No No No No Yes $139
TD Aeroplan Visa Platinum 20000 $400 $1000/3 months No No ? No No Yes $89
TD Aeroplan Visa Infinite Privilege 85000 $ 1700 $12000/6 months + $24000/12 months No No ? No N/A No $599
TD Cash Back Visa Infinite $350 + $100 (GCR) $450 $3500/ 3 months No No ? N/A N/A Yes $139
TD Cash Back Visa $40 (GCR) $40 $0 No No ? N/A N/A N/A N/A
TD First Class Travel Visa Infinite 135000 + $75 (GCR) $750 $5000 / 6 months No No No Yes N/A Yes $139
TD Platinum Travel Visa 50000 + $60 (GCR) $310 $1000 / 3 months No No ? Yes N/A Yes $89
TD Rewards Visa 15152 + $30 (GCR) $105.76 $500 /3 months No No ? Yes N/A N/A $0

Business cards:

Card Offer Estimated Value Min Spend Referral required Targeted ATH RHT Expiry FYF AF
AMEX Business Platinum 150000 + $150 (GCR) $3150 $15000/3 months + 1 puchase month 14+17 No No Yes No Jan 28,2025 No $799
AMEX Business Gold 40000 + $125 (GCR) $925 $7500/3 months No No ? No N/A No $199
AMEX Business Aeroplan Reserve 90000 + $125 (GCR) $1925 $10500/3 months No No ? No N/A No $599
AMEX Marriott Bonvoy Business American Express 50000 + $75 (GCR) $495 - $635 $1500/3 months No No ? No N/A No $150
BMO Air Miles No-Fee Business Mastercard 1000 + $75 (FF) $180 $3000/3 months No No ? N/A Dec 13,2025 Yes $0
BMO Air Miles World Elite Business Mastercard 3000 + $75 (FF) $390 $5000/3 months No No ? N/A Dec 13,2025 Yes $149
BMO CashBack Business Mastercard $150 + $75 (FF) $225 $1500/3 months No No ? N/A Dec 13, 2025 Yes $0
BMO World Elite Business Mastercard 100000 + $75 (FF) $745 $3000 x 9 months, after 3 months No No ? Dec 13, 2025 Yes $149
CIBC Aventura Visa for Business 70000 $875-$1372 $35000/12 months No No ? No N/A Yes $120-$180
CIBC Aeroplan Visa Business 60000 $750-$1176 $10000/4 months + $40000/12 months No No ? No N/A Yes $180
CIBC Costco Business $100 $100 $3000/4 months No No ? No N/A Yes $0
CIBC Aventura Business Plus 70000 $875-$1372 $35000/12 months No No ? No N/A Yes $120
CIBC Aeroplan Visa Business Plus 60000 $750-$1176 $10000/4 months + $40000/12 months No No ? No N/A Yes $120
RBC Avion Visa Business 35000 $595 $0 No No ? No N/A No $120
RBC Avion Visa Infinite Business 35000 $595 $0 No No ? No N/A No $175
TD Aeroplan Visa Business 60000 $1200 $2500 x 12 months No No ? No N/A No $149
TD Business Travel Visa 175000 $875 $2500 x 12 No No ? Yes N/A Yes $149

Terminology

  • ATH - All Time High
  • RHT - Refundable Hotel Trick
  • FYF - First Year Free
  • AF - Annual Fee
  • GCR - GreatCanadianRebates
  • CCG - CreditCardGenius
  • FF - FrugalFlyer
  • MoP - Milesopedia

Points Valuation (optimal average)

  • AMEX MR: 2cpp - aeroplan transfer
  • Aeroplan points: 2cpp
  • Marriott points: 0.99-1.27cpp
  • TD points: 0.5cpp
  • Aventura points: 1.25-1.96cpp
  • Scene points: 1cpp
  • Avion points: 1.7cpp - avios transfer
  • BMO rewards points: 0.67cpp
  • MBNA rewards - 1cpp
  • National Bank A la carte rewards - 1cpp
  • Laurentian Bank Reward me - 1cpp
  • Air miles: 10.53cpp for cash miles; dream values range from 13.78 to 19.70
  • PC Optimum: 0.1cpp
  • Meridian Rewards: 1cpp
  • WestJet Dollars: 1cpp
  • moi: 0.8cpp
  • Avios: 1.7cpp

How often can I sign up?

Prince of Travel guide