Whenever you’re in the market for a new credit card, one of the most important considerations is to size up the card’s welcome offer.
After all, welcome bonuses are a one-time opportunity to quickly boost your balance, and ideally, you can time your application for when there’s a great offer available.
If you’re looking for a new credit card, we’ve put together a list of our top picks for the best credit card offers in Canada for September 2025.
In This Post
- Canada’s Best Credit Card Offers for September 2025
- Honourable Mentions
- What Makes a Credit Card Welcome Offer Appealing?
- Conclusion
Canada’s Best Credit Card Offers for September 2025
Here’s our list of the best credit card offers available in Canada for September 2025, with the following notable recent developments:
- American Express lowered the offers on its suite of Membership Rewards, Aeroplan, and Marriott Bonvoy cards
- RBC brought back record-high offers on its lineup up Avion cards and ION cards
- There’s an ongoing record-high offer on the Scotiabank Gold American Express Card
- TD unveiled a new record-high offer on the TD First Class Travel Visa Infinite Card
Looking for some personalized recommendations? Be sure to check out our Points Coaching service. You’ll receive one-on-one guidance from one of our credit card experts over the course of four sessions, and you’ll fast track your way into becoming a pro at building an optimized credit card portfolio to meet your travel goals in no time!
Whether you’re planning your first redemption or looking to optimize a complex points portfolio, the Prince of Travel Points Coaching service will help you build a travel strategy that works for you.
American Express Gold Rewards Card
While the overall size and value of the welcome bonus on the American Express Gold Rewards Card is high, it requires keeping track of a monthly minimum spending requirement for the first year.
Still, if the higher annual fee on the Platinum card is too rich for your blood, consider this offer as a nice alternative.
The easiest way to ensure you hit it every month (thereby maximizing the welcome offer) is to use it as your payment card for Chexy, a platform that facilitates paying rent, bills, and taxes with your credit card.
- Earn 5,000 MR points upon spending $1,000 in each of the first 12 months, up to 60,000 MR points
- And, earn 10,000 MR points upon spending $4,000 in the first three months as a cardholder
- Also, receive an annual $100 travel credit and a $50 NEXUS credit
- Transfer MR points to Aeroplan, The British Airways Club, Flying Blue, and other frequent flyer programs for premium flights
- Plaza Premium membership with four annual lounge passes
- Credits and rebates for daily expenses throughout the year with Amex Offers
- Bonus MR points for referring family and friends
- Annual fee: $250
American Express Platinum Card
As per usual, the American Express Platinum Card has a nice welcome offer available at the moment with up to 110,000 Membership Rewards points up for grabs. The lion’s share is awarded upon spending $10,000 in the first three months, and then another boost in year two.
As a cardholder, you’ll get a $200 dining credit and a $200 annual travel credit to use each year which help to offset the card’s $799 annual fee, in addition to the regular rotation of Amex Offers, unlimited lounge access, and other valuable features for travellers.
- Earn 80,000 MR points upon spending $10,000 in the first three months
- Plus, earn 30,000 MR points upon making a purchase in months 15–17 as a cardholder
- Earn 2x MR points on all dining and travel purchases
- Receive an annual $200 travel credit
- Receive an annual $200 dining credit
- Transfer MR points to Aeroplan, The British Airways Club, Flying Blue, and other frequent flyer programs for premium flights
- Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
- Credits and rebates for daily expenses throughout the year with Amex Offers
- Bonus MR points for referring family and friends
- Annual fee: $799
RBC® British Airways Visa Infinite†
RBC® has an excellent offer on its British Airways co-branded card, worth up to 60,000 Avios†.
British Airways Avios are a great currency to have for access to oneworld airlines, especially since you can convert them into different flavours of Avios (as it’s a points currency shared by The British Airways Club, Aer Lingus AerClub, Finnair Plus, Iberia Plus, and Qatar Airways Privilege Club).
If you value non-stop flights to or from London, you can also benefit from the card’s Companion Award eVoucher, awarded upon spending $30,000 in a year.
- Collect a 30,000 Avios† Welcome Bonus when you spend $5,000 (CAD) in the first three months of account opening
- Then, collect a further 30,000 bonus Avios† when you spend $5,000 (CAD) in months 4-6 of account opening
- If you do not meet the $5,000 (CAD) spend in the first three months, you can still collect 30,000 bonus Avios if you meet the spend requirement in months 4-6.
- Plus, earn 3 Avios per $1 (CAD) spent† on British Airways and British Airways Holidays†
- And, earn 2 Avios per $1 (CAD) spent† on dining and food delivery purchases
- Lastly, earn 1 Avios per $1 (CAD) spent† on all other eligible purchases
- Get a Companion Award eVoucher for an Avios redemption on British Airways flights upon spending $30,000 in a calendar year†
- Annual fee: $165†
RBC® Avion Visa Infinite†
The current round of offers on the RBC® Avion Visa Infinite† and the RBC® Avion Visa Platinum† (see below) are back to their all-time high. Plus, you’ll earn the excellent RBC Avion points, which are one of the most valuable and flexible points currencies in Canada.
You can use your Avion points to supplement your British Airways Club or Cathay Pacific Asia Miles balances, or for the unique ability to convert them to American Airlines AAdvantage miles – one of the most valuable loyalty programs around.
You can also find value in the Air Travel Redemption Schedule, especially for travel in economy.
The only downside to this card is it’s rather low earning rates on everyday spending; however, consider pairing it with an RBC® ION+ Visa to build the optimized RBC credit card portfolio.
- Earn 35,000 Avion points upon approval^
- Earn additional 20,000 Avion points upon spending $5,000 in the first six months^
- Earn 1.25x Avion points on qualifying travel purchases
- Transfer Avion points to British Airways Executive Club and other frequent flyer programs for premium flights†
- Redeem Avion points for flights with the RBC Air Travel Redemption Schedule†
- Minimum income: $60,000 personal or $100,000 household
- Annual fee: $120
- Supplementary card fee: $50
RBC® Avion Visa Platinum†
If your personal or household income doesn’t qualify for the RBC® Avion Visa Infinite†, you can apply for the RBC® Avion Visa Platinum† instead, with the same offer and very similar perks.
- Earn 35,000 Avion points upon approval^
- Earn additional 20,000 Avion Points upon spending $5,000 in the first six months^
- Earn 1 Avion point per dollar spent† on all qualifying purchases
- Transfer Avion points to British Airways Executive Club and other frequent flyer programs for premium flights†
- Redeem Avion points with the RBC Air Travel Redemption Schedule†
- No minimum income requirement
- Annual fee: $120
TD First Class Travel® Visa Infinite* Card
TD’s flagship credit card that earns its proprietary TD Rewards Points offers great travel value outside of the usual airline or hotel loyalty program ecosystem.
The current offer on the TD First Class Travel® Visa Infinite* Card has recently been boosted to a new record-high: 165,000 TD Rewards Points.†
165,000 TD Rewards Points is worth a fixed value of up to $825 towards any travel booking via Expedia® for TD†, and with a very reasonable minimum spending requirement spread out over six months and a first-year annual fee rebate†, this offer is absolutely worth considering.
Plus, the card recently received a makeover, and now has beefed-up earning rates with more categories, and four complimentary lounge visits each year!
- Earn 20,000 TD Rewards Points upon making your first purchase†
- Earn 145,000 TD Rewards Points upon spending $7,500 within 180 days of account opening†
- Plus, earn a Birthday Bonus of up to 10,000 TD Rewards Points†
- Plus, earn 8x TD Rewards Points† on eligible travel purchases when you book through Expedia® for TD†
- Get an annual TD Travel Credit† of $100 when you book through Expedia® for TD†
- Use your rewards for any travel bookings available on Expedia® for TD†
- Four complimentary lounge visits through the Visa Airport Companion Program†
- Minimum income: $60,000 personal or $100,000 household
- Annual fee: $139, rebated for the first year†
- Offer effective as of September 4, 2025†
TD® Aeroplan® Visa Infinite Privilege* Card
TD’s premium Aeroplan co-branded credit card is currently offering a welcome bonus for up to 85,000 Aeroplan points.†
Fortunately, there’s no monthly requirement to keep track of. Instead, the total required spending is quite high, at $12,000 in the first 180 days† and $24,000† in the first year, but you’ll be rewarded for your efforts with a healthy Aeroplan balance.
This is an excellent credit card for Air Canada frequent flyers, given its long list of benefits, including unlimited Maple Leaf Lounge access in Canada and the US,† earning Status Qualifying Miles and Status Qualifying Segments through everyday spending,† and much more.
- Earn 20,000 Aeroplan points† upon first purchase
- Plus, earn an additional 35,000 Aeroplan points† upon spending $12,000 in the first 180 days
- Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points† upon spending $24,000 within 12 months of account opening†
- Earn 2x Aeroplan points† on eligible Air Canada® purchases, including Air Canada Vacations®†
- Earn 1.5x Aeroplan points† on eligible gas, electric vehicle charging, groceries, dining, travel, and transit purchases†
- Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights†
- Unlimited Air Canada Maple Leaf Lounge† access
- Visa Airport Companion Program membership with six free lounge visits per year
- $100 partial rebate for the NEXUS application fee every 48 months†
- Minimum income: $150,000 personal or $200,000 household
- Annual fee: $599
- Offer available for applications approved on or after September 4, 2025.
Cathay World Elite® Mastercard® – powered by Neo
If you have your eyes set on an award flight with Cathay Pacific, the Cathay World Elite® Mastercard® – powered by Neo is the only card in Canada that directly earns Asia Miles.
There’s currently an elevated welcome offer available for up to 60,000 Asia Miles: 35,000 miles are awarded upon activating your card, while the other 25,000 come after a reasonable minimum spending requirement of $5,000 in the first three months.
This is the best-ever offer we’ve seen on the card, making now an ideal time to apply.
- Earn 35,000 Asia Miles upon card activation†
- Plus, earn 25,000 Asia Miles upon spending $5,000 in the first three months†
- Then, earn 4 Asia Miles per dollar spent on Cathay Pacific flights†
- And, earn more Asia Miles at Neo's partners†
- Enjoy a 15% discount on Cathay Pacific flights†
- Minimum income: $80,000 (personal), $150,000 (household)
- Annual fee: $180
American Express Aeroplan Reserve Card
The offer on the American Express Aeroplan Reserve Card recently dropped, and this time there’s 85,000 points up for grabs.
Not only is Aeroplan one of the most powerful loyalty programs out there, but this card comes packed with benefits for Air Canada frequent flyers.
Notably, it features the highest earning rate for Air Canada purchases on any Aeroplan co-branded credit card (3 Aeroplan points per dollar spent), in addition to unlimited Maple Leaf Lounge access, a companion pass upon spending $25,000 each year, more.
- Earn 60,000 Aeroplan points upon spending $7,500 in the first three months
- Plus, earn 25,000 Aeroplan points upon spending $2,500 in month 13 as a cardholder
- Always earn 3x Aeroplan points on Air Canada purchases and 2x Aeroplan points on dining and food delivery
- And, earn 1.25x Aeroplan points on all other eligible purchases
- Aeroplan preferred pricing, free first checked bag, priority check-in and boarding on Air Canada flights
- Unlimited Air Canada Maple Leaf Lounge access in North America
- Bonus Aeroplan points for referring family and friends
- Get an Air Canada Annual Worldwide Pass upon spending $25,000 each year
- No minimum income requirement
- Annual fee: $599
CIBC Aeroplan® Visa Infinite Privilege* Card
As with its other top-tier Aeroplan co-branded credit card counterparts, the CIBC Aeroplan® Visa Infinite Privilege* Card is also offering up to 85,000 Aeroplan points.
The biggest difference with the offer is that you’ll get more points in year two than with the other cards.
In addition to the same Air Canada perks offered on its TD and American Express counterparts, this card stands out with its $200 NEXUS credit, which is more than enough to cover the cost of an application.
- Earn 20,000 Aeroplan points upon first purchase†
- Earn 30,000 Aeroplan points upon spending $15,000 in the first six months†
- Plus, earn an anniversary bonus of 35,000 Aeroplan points upon renewing the card for a second year, after having spent at least $25,000 in the first year†
- Earn 2x Aeroplan points on Air Canada purchases†
- Earn 1.5x Aeroplan points on gas, groceries, dining, food delivery, electric vehicle charging, and other travel purchases†
- Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights†
- Unlimited Air Canada Maple Leaf Lounge access†
- Visa Airport Companion Program membership with six free lounge visits per year†
- $200 NEXUS application credit†
- Minimum income: $150,000 personal or $200,000 household
- Annual fee: $599
RBC® Avion Visa Infinite Privilege†
RBC’s premium card in the Avion lineup is currently offering a record-high welcome bonus for up to 70,000 Avion points.†
Its structure is also very attainable: 35,000 points on approval,† 20,000 points upon spending $5,000 in the first six months,† and you’ll get an additional boost of 15,000 points in year two.†
With a great earning rate for non-categorized spending (1.25 Avion points per dollar spent†) and with the unique ability to redeem points for business class flights using the RBC Air Travel Redemption Schedule, consider this premium option in the Avion lineup if you meet the income requirements.
Consider this as a nice option to have as part of your Optimized RBC Credit Card Portfolio.
- Earn up to 35,000 Avion points upon approval†
- Then, earn 20,000 Avion points upon spending $5,000 in the first six months†
- Then, earn 15,000 Avion points as a one-time anniversary bonus upon renewal†
- Plus, earn 1.25x RBC Avion points† on all qualifying purchases
- Use your rewards for any business class flight with no restrictions on dates, seats, or airlines†
- Transfer points to one of four airline partners†
- DragonPass membership with six free lounge visits per year†
- Minimum income: $200,000 personal or household†
- Annual fee: $399†
BMO VIPorter World Elite®* Mastercard®*
Porter Airlines hit the ground running when it recently launched its first-ever co-branded credit card in conjunction with BMO, with a welcome offer of up to 70,000 VIPorter points.†
The structure of the welcome offer has three tiers, with the final allotment of points arriving in year two. While the spending requirements are relatively high, consider shifting your Costco spend to the card to enjoy a number of award flights with Porter across Canada, the United States, Mexico, and Central America at a steep discount.
If you travel with Porter Airlines with any frequency, this is a great card to hold due to its automatic Venture Avid Traveller Status,† which affords you a range of meaningful benefits with the airline.
We like this offer due to its sheer size paired with a first-year annual fee rebate,† and with the opportunity to score outsized value in the VIPorter loyalty program.
- Earn 20,000 VIPorter points upon spending $5,000 in the first 110 days
- Plus, earn an additional 20,000 VIPorter points upon spending $9,000 in the first 180 days
- Plus, earn an additional 30,000 VIPorter points upon spending $18,000 in the first 365 days
- Then, earn 3x VIPorter points per dollar spent on Porter purchases
- And, earn 2x VIPorter points per dollar spent on gas, transportation, dining, groceries, and hotels
- Get one free checked bag and one free carry-on bag for yourself and up to eight guests on the same booking
- Priority airport services & priority rebooking in the event of delays
- Earn Qualifying Spend towards Avid Traveller status
- Annual fee: $199 (rebated in the first year)
TD® Aeroplan® Visa Infinite* Card
The TD® Aeroplan® Visa Infinite* Card has long remained one of our favourite Canadian credit cards, and indeed it’s one that we recommend for every Canadian traveller.
As it stands, the welcome offer on the card is the highest amongst its core counterparts in Canada (up to 45,000 Aeroplan points).†
The total spending requirement is spread out over a full year, and the first-year annual fee rebate† means you won’t incur any costs while you try out the card.
- Earn 10,000 Aeroplan points† upon first purchase†
- Plus, earn 15,000 Aeroplan points† upon spending $7,500 in the first 180 days of account opening†
- Plus, earn an additional 20,000 Aeroplan points† on renewal when you spend $12,000 within 12 months of account opening†
- Earn 1.5x Aeroplan points† on eligible gas, groceries, and Air Canada® purchases, including Air Canada Vacations®†
- Preferred Aeroplan pricing and free checked bag on Air Canada® flights†
- Minimum income: $60,000 personal or $100,000 household
- Annual fee: $139 (rebated for the first year)
- Offer available for applications approved on or after September 4, 2025.
BMO AIR MILES®† World Elite®* Mastercard®*
If you’re entrenched in the AIR MILES world, then consider padding your balance with the current high offer on the BMO AIR MILES®† World Elite®* Mastercard®*, with up to 7,000 AIR MILES®† up for grabs.†
- Earn 3,000 AIR MILES®† upon spending $4,500 in the 110 days†
- Earn 2,000 AIR MILES®† upon spending $10,000 in the first 180 days†
- Earn 2,000 AIR MILES®† upon spending $20,000 in the first 365 days†
- Earn
1x3x AIR MILES®† per $12 spent at AIR MILES®† partners† - Earn
1x2x AIR MILES®†per $12 spent at grocery stores, wholesale clubs, and alcohol retailers† - Earn 1 AIR MILES®†per $12 spent when you spend with your credit card everywhere els†
- Use AIR MILES®† for Cash Rewards or Dream Rewards†
- Minimum income: $80,000 personal or $150,000 household†
- Annual fee: $120 (rebated in the first year)†
Scotiabank Gold American Express® Card
If you’re looking for a card that earns Scene+ points at a higher rate on daily spending, consider the Scotiabank Gold American Express® Card. You’ll earn 5x Scene+ points on eligible grocery and restaurant purchases†, or 6x points at Empire grocery stores.†
Plus, the new welcome offer matches the card’s all-time high, currently offering 30,000 Scene+ points† with a low $2,000 spending threshold in the first three months, and an additional 20,000 points† upon spending of $7,500 in the first year.
50,000 Scene+ points is worth $500 when redeemed against travel purchases at 1 cent per point. Throw in a first-year annual fee waiver, and there’s never been a better time to get this card.
- Earn 30,000 Scene+ points upon spending $2,000 in the first three months
- Plus, earn an additional 20,000 Scene+ points upon spending $7,500 in the first year
- Earn 6x Scene+ points at Sobeys, IGA, Safeway, FreshCo, and more
- Plus, earn 5x Scene+ points on groceries, dining, and entertainment
- Also, earn 3x Scene+ points on gas, transit, and select streaming services
- Redeem points for a statement credit for any travel expense
- No foreign transaction fees
- Enjoy the exclusive benefits of being an American Express cardholder
- Annual fee: $120 (waived for the first year)
American Express Aeroplan Card
The American Express Aeroplan Card has maintained its offer for 40,000 Aeroplan points for just about a year.
It comes with many of the same features as its other co-branded counterparts at the same tier; however, its earning rate for Air Canada purchases (2 points per dollar spent) is the highest in its tier, and it comes without emergency medical insurance or trip cancellation/interruption insurance (the other cards come with those).
- Earn 30,000 Aeroplan points upon spending $3,000 in the first three months
- Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in month 13
- Always earn 2x Aeroplan points on Air Canada purchases
- Aeroplan preferred pricing, free checked bag on Air Canada flights
- Bonus Aeroplan points for referring family and friends
- Annual fee: $120
CIBC® Aeroplan® Visa Infinite* Card
The current offer on the CIBC Aeroplan Visa Infinite Card is the same total amount as the American Express Aeroplan Card; however, 50% of the bonus is awarded in year two (hence its lower ranking on this list).
- Earn 10,000 Aeroplan points upon first purchase†
- Earn 10,000 Aeroplan points upon spending $6,000 in the first four months†
- Earn 20,000 Aeroplan points as an anniversary bonus upon spending $12,000 in the first year†
- Earn 1.5x Aeroplan points on gas, EV charging, groceries, and Air Canada purchases†
- Preferred pricing and free checked bags on Air Canada flights†
- Minimum income: $60,000 personal or $100,000 household
- Annual fee: $139 (rebated in the first year)†
Honourable Mentions
In this section, we’ll list some offers that are worthy of some extra attention, either due to their size, easily attainable thresholds, or other reasons listed below.
RBC® ION+ Visa
The RBC® ION+ Visa has a great record-high welcome bonus available: 21,000 Avion points with a very attainable minimum spending requirement.†
In my opinion, this is one of the most powerful credit cards in Canada (when used in conjunction with an Avion card). There’s never been a better time to apply and build your optimized RBC credit card portfolio.
- Earn 7,000 Avion points upon approval^
- Earn 14,000 Avion points upon spending $1,500 in the first six months^
- Earn 3x points† on qualifying grocery, dining, food delivery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions†
- Earn 1 extra Moi Rewards point for every two dollars spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you scan your Moi card and pay with your linked RBC Card (minimum purchase required).¹¹
- Mobile device insurance†
- Annual fee: $48†
CIBC Aventura® Visa Infinite* Card
CIBC Aventura Points are great to hold to help offset other costs of travel, especially if your primary flights and accommodations are already covered.
As an added bonus, the current offer on the CIBC Aventura® Visa Infinite* Card is both valuable and easy to attain. 45,000 Aventura Points is worth up to $450 when redeemed for travel,† and you’ll get the full allotment after spending $3,000 in the first four months.†
Plus, CIBC is the first bank to boost the NEXUS application fee rebate to $200, which is enough to cover the $120 (USD) application fee. Toss in four complimentary lounge visits through the Visa Airport Companion Program and a first-year annual fee rebate†, and this card has a lot to offer.
Scotiabank Passport® Visa Infinite* Card
Routinely our top pick for Canada’s best credit card with no foreign transaction fees, the Scotiabank Passport® Visa Infinite* Card combines a valuable welcome bonus of up to 35,000 Scene+ points with a low minimum spending requirement ($2,000 in three months)†.
Plus, the card offers great features for travellers (six complimentary lounge visits with the Visa Airport Companion Program† and strong insurance), and Scene+ points are our favourite fixed-value points program due to their flexibility.
- Earn 35,000 Scene+ points upon spending $2,000 in the first three months
- Earn an additional 10,000 Scene+ points upon spending $40,000 annually
- Earn 2x Scene+ points on groceries, dining, entertainment, and transit
- Plus, earn 3x Scene+ points on grocery purchases at Sobeys, IGA, Safeway, and FreshCo
- Visa Airport Companion membership with six free lounge visits per year
- Redeem points for a statement credit against any travel expense
- Minimum income: $60,000 personal or $100,000 household
- Annual fee: $150
Scotiabank Passport® Visa Infinite Privilege* Card
The top-tier variant in Scotiabank’s Passport family is currently offering up to 80,000 Scene+ points for its welcome bonus, which would be worth $800 when redeemed against travel purchases at a rate of 1 cent per point.
To sweeten the deal for the $599 annual fee, be sure to take advantage of the $250 annual travel credit, 10 complimentary lounge visits, and no foreign transaction fees.
- Earn 30,000 Scene+ points upon spending $3,000 in the first three months
- Plus, earn an additional 30,000 Scene+ points upon spending $20,000 in the first six months
- And, earn an additional 20,000 Scene+ points when you make at least one eligible purchase during the 14th month of account opening
- Earn 3x Scene+ points on eligible travel purchases
- Earn 2x Scene+ points on dining and entertainment purchases
- Visa Airport Companion membership with 10 free lounge visits per year
- $250 annual travel credit
- Redeem points for a statement credit against any travel expense
- Minimum income: $150,000 personal or $200,000 household
- Annual fee: $599
BMO VIPorter Mastercard®*
The scaled-down version of the BMO VIPorter World Elite®* Mastercard®* has plenty of value to offer.
In addition to the welcome bonus (up to 40,000 VIPorter points), you’ll enjoy automatic VIPorter Passport Avid Traveller status, a first-year annual fee rebate, and access to great VIPorter redemptions.
- Earn 10,000 VIPorter points upon spending $3,000 in the first 110 days
- Plus, earn an additional 15,000 VIPorter points upon spending $6,000 in the first 180 days
- Plus, earn an additional 15,000 VIPorter points upon spending $10,000 in the first 365 days
- Then, earn 2x VIPorter points per dollar spent on Porter purchases
- And, earn 1x VIPorter point per dollar spent on gas, transportation, dining, groceries, and hotels
- Priority airport services & priority rebooking in the event of delays
- Earn Qualifying Spend towards Avid Traveller status
- Annual fee: $89 (rebated in the first year)
WestJet RBC® World Elite Mastercardǂ
The offer of 45,000 WestJet points available on the WestJet RBC® World Elite Mastercardǂ is worth up to $450, since WestJet points have a value of 1 cent per point most of the time.
Make use of the annual companion voucher (including in the first year) and free first checked baggage benefits on the card† to get more value out of the very reasonable $119 annual fee.†
- Earn 25,000 WestJet points upon making your first purchase†
- Then, earn an additional 20,000 WestJet points upon spending $5,000 in the first three months†
- Receive an annual companion voucher for discounted travel on WestJet flights, with a co-pay starting at $119 plus taxes and fees†
- Status Lift up to 50 times per year and earn status without flying†
- Free first checked bag for the primary cardholder and up to eight guests on the same reservation†
- WestJet points never expire
- Minimum income: $80,000 personal or $150,000 household
- Annual fee: $119
Marriott Bonvoy American Express Card
The personal version of Marriott’s co-branded credit card in Canada is currently offering its standard bonus of up to 55,000 Marriott Bonvoy points.
Fortunately, you’ll get the entire bonus upon spending $3,000 in the first three months, which should be within reach for most.
Then, keep this card around for the long-term with its annual Free Night Award and 15 elite qualifying nights towards status.
- Earn 55,000 Bonvoy points upon spending $3,000 in the first three months
- Also, receive an annual Free Night Award worth 35,000 Bonvoy points starting in your second year with the card
- Also, receive 15 elite-qualifying nights every year and automatic Marriott Bonvoy Silver Elite status
- Bonus Bonvoy points for referring family and friends
- Annual fee: $120
TD® Aeroplan® Visa Platinum* Card
With a signup bonus of up to 15,000 Aeroplan points†, an annual fee rebate for the first year†, and no personal income requirement, this card is one of the best ways for beginners early in their credit journey to begin collecting meaningful sums of Aeroplan points.
- Earn 10,000 Aeroplan points† upon first purchase†
- Plus, earn 5,000 Aeroplan points† upon spending $1,000 in the first three months
- Earn 1x Aeroplan points† on eligible gas, electric vehicle charging, groceries, and Air Canada® purchases, including Air Canada Vacations®†
- Preferred pricing on Air Canada® flights through Aeroplan†
- Annual fee: $89, rebated in the first year†
- Offer available for applications approved on or after September 4, 2025.
What Makes a Credit Card Welcome Offer Appealing?
Prior to diving into the offers, let’s first go over the factors we’ve taken into consideration when compiling the below list.
First and foremost, we take into consideration the size and value of a card’s welcome bonus, including ones that provide the most sizable boost to your points balance with a minimum threshold of $500 in First-Year Value (see below).
Next, we also take into consideration cards that have a relatively low threshold to meet the full welcome bonus. While some offers are high, you have to put in an extraordinary amount of work to get there, and your spending may be better targeted elsewhere.
Lastly, we’ve included some honourable mentions for cards that offer outsized value in any other way that we think warrants your attention.
How We Determine the First-Year Value of a Credit Card Welcome Offer
On our credit card comparison tool and our individual credit card pages, you’ll notice that we list a First-Year Value figure. This is an in-house calculation that me make that’s often quite different than what you might find on a financial institution’s website.
Here’s how we determine the value of a welcome bonus:
- Add the total amount of points earned from the welcome offer in the first year
- Add the total amount of points earned by completing the minimum spending requirement in the first year, assuming the card’s baseline earning rate
- Convert the total amount of points earned into a dollar figure using our Points Valuations
- Add any annual credits that the card offers (if any)
- Subtract the card’s first-year annual fee (if any)
We believe that this calculation gives an indication of the minimum value anyone can expect to get from a card in the first year. Sure, you can certainly get greater value in the first year (and subsequent years) by leveraging category earning rates, lounge access, insurance, and other card features; however, this is unique to each individual and difficult to quantify with certainty.
By contrast, many financial institutions use a calculation of the maximum amount of value you can expect to get from a card in the first year, since they’ll often include value from lounge visits, spending in various categories throughout the year, supplementary cardholder annual fee rebates, NEXUS application fee rebates, checked baggage fee equivalents, and more.
Conclusion
There you have it: our top picks for the best offers available on Canadian travel credit cards.
If you’re interested in learning more about the offers, follow the links above, or consult our credit card comparison tool.
If you’d like some more personalized information, consider joining the Prince of Travel community to connect with likeminded peers, or to book a Points Coaching call with one of our in-house experts.
† Terms and conditions apply. Refer to the card issuer’s website for complete up-to-date information.
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April 2024, I am looking to switch my TD First Class Travel® Visa Infinite to the TD® Aeroplan® Visa Infinite Privilege* Card. I noticed the sign up bonus is not as great as it was in the past. I still have some TD rewards to use up. Should I wait to see if there is a better sign up bonus in the summer?
Can I switch from the TD VIP to the TD First Class Travel Visa Infinite and receive the bonus?
Hi Kathryn, your eligibility for the bonus is subject to the following terms & conditions (from TD’s website): “This offer is not available to customers who have activated and/or closed a TD First Class Travel® Visa Infinite* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person.”
Hi!
I got the AMEX Aeroplan Reserve, and I tried using the Priority Pass in Vancouver and Taipei; unfortunately, i received a $35 charge for both of those! I wasn’t expecting that Priority Pass has a pay membership. My US Girlfriend has a Chase Sapphire with Priority Pass, and she never pays extra when I join her.
Are there any Canadian credit cards that have a priority pass that doesn’t come with visit fees?
Thanks!
Amex platinum person and business, both have Full-complimentary priority pass. So no fees when entering lounges
Josh,
TD Aeroplan Visa Infinite Card
Does it mean to spend $7,500 would get all 3 bonus of 50,000 (10000 + 25000 + 15000) Aeroplan points?
Thanks!
Yes, that is correct. Do note that the 3rd part will only be posted after you paid your next annual fee
Christopher,
Thanks! Have a nice weekend!
The new RBC Westjet World Elite MC offer is only for new card holders, looks like if you held this card previously you do not get the bonus per t&c
Could this not be a Top [however many offers are actually of note] list instead?
Considering that some issuers have ‘one bonus ever’ rules…burning that on a base-level offer would stink.