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Flytrippers fans have now earned more than 3 million dollars in free travel thanks to the travel rewards deals we share! What’s important is to choose a huge welcome bonus — any of the best ones — to at least stop wasting your spending like you probably are right now (because you’re earning a terrible rate of just 1% or 2%)!
Here are the 4 best credit card offers right now — and a few other of the best ones for some travelers.
4 BEST credit cards
Flytrippers' recommendations of the best credit card offers (July 2025)
Best credit card offers (top 4)
| Top 4 best credit card offers (July 2025) |
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 Valuation (BONUS)(≈ 28.3% back on $3k)
Rewards: ≈ $969
Card fee: $120
Spend required:$3k in 3 mos. spend $3k in 3 mos. &
make 1 purchase in months 15-17
Best for: Lucrative hotel points (must-have card)
 LUCRATIVE
No min. inc.
ends August 18th
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Valuation (BONUS) (≈ 15.6% back on $6k)
Rewards: ≈ $1083
Card fee: $150
Spend required:$6k in 3 mos. spend $6k in 3 mos. &
make 1 purchase in months 15-17
Best for: For those who already have the one above
LUCRATIVE
No min. inc.
ends August 18th
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Valuation (BONUS) (≈ 9% back on $12k)
Rewards: ≈ $1330
Card fee: $250
Spend required:$12k in 12 mos. spend $1k/mo. for 12 mos. &
make 1 purchase in months 15-17
Best for: Lucrative pts for flights & lounge access
 LUCRATIVE
No min. inc.
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| Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information. |
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Top 4 best credit card offers (July 2025) |
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $969
Card fee: $120 (≈ 28.3% back on $3k)
Spend required:
$3k in 3 mos. spend $3k in 3 mos. &
make 1 purchase in months 15-17 Best for: Lucrative hotel points (must-have card)
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $1083
Card fee: $150 (≈ 15.6% back on $6k)
Spend required:
$6k in 3 mos. spend $6k in 3 mos. &
make 1 purchase in months 15-17 Best for: For those who already have the one above
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1330
Card fee: $250 (≈ 9% back on $12k)
Spend required:
$12k in 12 mos. spend $1k/mo. for 12 mos. &
make 1 purchase in months 15-17 Best for: Lucrative pts for flights & lounge access
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 SIMPLE12k
Valuation (BONUS)
Rewards: $875
Card fee: $0 $120 (11.7% back on $7.5k)
Spend required:
$7.5k in 12 mos. (or $2k)
Best for: Simple pts for any travel on any website
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| Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information. |
Infographic of the 4 best credit card offers
Details of the 4 best credit card offers (July 2025)
Best for getting points of the more lucrative type for free hotels
And best for all those who don't have this card yet
The Marriott Bonvoy Amex Card is the best for all travelers who don’t have it yet. And if you have it, the next one (the “business” version) is a must-have even if you don’t have an incorporated business. These are points of the more lucrative type, and they can give you up to 15 free nights in nice hotels (like in Bali). It’s the only card in Canada that is a must-have for every single type of traveler, and the offer is only increased once per year (now)!
Card rewards:
- 86,000 Marriott points by unlocking the welcome bonus AND 1 valuable certificate
- Or even more with the 3rd part of the bonus that requires more spending (not included in our Valuation)
- ≈ $1089 at our Flytrippers Valuation (minus $120 fee twice due to the renewal bonus)
- ≈ 28.3% return on $3,000 (≈ $849 on $3,000)
- Points of the more lucrative type (so it’s less simple)
- Value that varies more (enormously in this case)
- Redeemable for specific hotels (the world’s largest hotel chain’s 9,000+ hotels)
Card benefits:
- Automatic Marriott elite status (Silver) for VIP treatment
- Shortcut to the even better higher status levels
- Amazing free night certificate for an expensive hotel (≈ $315 to UNLIMITED) every card renewal
- Phenomenal earn rate of 5 pts/$ (≈ 4.5%) at Marriott hotels
- Some insurance coverage
- “Amex Offers” benefit for various discounts and credits throughout the year
Other offer highlights:
- 3 options for bonuses and minimum spending requirements
- Highest offer of the year for this must-have card
- Offer ends August 18, 2025
Best for getting points of the more lucrative type for free hotels (if you already have the 1st)
And best for all those who don't have this card yet
The Marriott Bonvoy Business Amex Card is a must-have for all those who have the 1st one, because it’s not necessary to have an incorporated business (there are special instructions to follow). It gives you another amazing certificate! The bonus is even higher (also increased only once a year), but the minimum spending is higher too.
Card rewards:
- 102,000 Marriott points by unlocking the welcome bonus AND 1 valuable certificate
- Or even more with the 3rd part of the bonus that requires more spending (not included in our Valuation)
- ≈ $1233 at our Flytrippers Valuation (minus $150 fee twice due to the renewal bonus)
- ≈ 15.6% return on $6,000 (≈ $933 on $6,000)
- Points of the more lucrative type (so it’s less simple)
- Value that varies more (enormously in this case)
- Redeemable for specific hotels (the world’s largest hotel chain’s 9,000+ hotels)
Card benefits:
- Automatic Marriott elite status (Silver) for VIP treatment
- Shortcut to the even better higher status levels
- Amazing free night certificate for an expensive hotel (≈ $315 to UNLIMITED) every card renewal
- Phenomenal earn rate of 5 pts/$ (≈ 4.5%) at Marriott hotels
- Some insurance coverage
- “Amex Offers” benefit for various discounts and credits throughout the year
Other offer highlights:
- 3 options for bonuses and minimum spending requirements
- Highest offer of the year for this must-have card
- Offer ends August 18, 2025
Best for getting points of the more lucrative type for flights
And best to fly in luxurious business class
The Amex Gold Rewards Card is the best for most travelers who want points of the more lucrative type, including to travel in business class. You also get 12 free passes for Canadian airport lounges during your 2 years with a welcome/renewal bonus (4 in 2025, 4 in 2026, and 4 in 2027). It’s the highest welcome bonus of the year on this card. And the net fee is $150, don’t be scared of the $250!
Card rewards:
- 92,000 Amex points by unlocking the welcome bonus
- Or even more with the 3rd part of the bonus that requires more spending (not included in our Valuation)
- ≈ $1380 at our Flytrippers Valuation (minus $150 net fee twice due to the renewal bonus)
- ≈ 9.0% return on $12,000 (≈ $1080 on $12,000)
- Annual $100 travel credit can be cashed in easily on Day 1 (that’s what lowers the fee to a net of $150)
- Points of the more lucrative type (so it’s less simple)
- Value that varies more (enormously in this case)
- Redeemable for specific flights on 100+ airlines by being flexible (or for any expense at a much lower value)
Card benefits:
- 4 annual free passes for Plaza Premium lounges in Canada (4 in 2025, 4 in 2026, and 4 in 2027)
- $50 credit for NEXUS (faster airport security and customs)
- Excellent insurance coverage
Other offer highlights:
- 3 options for bonuses and minimum spending requirements
- Highest welcome bonus for points of the more lucrative type (premium cards excluded)
- Offer ends August 18, 2025
Best for getting simple points redeemable for any travel expense
And best right now for beginners
The Scotiabank Gold Card is the best for travelers who want points of the more simple type redeemable for any travel expense at a simple fixed value! These are the simplest points: you can book on any website and redeem (or even redeem at Sobeys/Safeway/etc. without losing value). It’s the best offer of the year on this card! And it’s also the best offer for beginners now, thanks to the excellent insurance and multiplier earn rate.
Card rewards:
- 87,500 Scene+ points by unlocking the welcome bonus
- $875 at our Flytrippers Valuation (fee waived the 1st year)
- 11.7% return on $7,500 ($875 on $7,500)
- Points of the more simple type (so it’s less lucrative)
- Value that varies less (not at all in this case)
- Redeemable for any travel expense on any site (or even at grocery stores)
Card benefits:
- Phenomenal earn rate of 5 pts/$ (≈ 7.5%)
- Excellent insurance coverage
- No foreign transaction fee
Other offer highlights:
- Annual fee waived for the 1st year (but savvy travelers always look at the net value, not just the fee)
- Relatively low minimum spending requirement
- Expenses must be made at grocery stores (including gift cards) to maximize points obtained with the bonus
- Offer ends October 31, 2025
OTHER excellent offers
List of the other best card offers
Other best credit card offers
| Other best credit card offers (July 2025) |
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Valuation (BONUS) (≈ 8.8% back on $18k)
Rewards: ≈ $1590
Card fee: $0 $199
Spend required:$18k in 12 mos. (or $5k/$9k)
Best for: Highest amount of free travel
 SIMPLE
80k/150k
ends January 31st
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Valuation (BONUS) (≈ 11.0% back on $10k)
Rewards: ≈ $1901
Card fee: $799
Spend required:$10k in 3 mos. spend $10k in 3 mos. &
make 1 purchase in months 15-17
Best for: Unlimited access to VIP airport lounges and lucrative rewards
LUCRATIVE
No min. inc.
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Valuation (BONUS) (15.5% back on $5k)
Rewards: $775
Annual fee: $0 $139
Spend required:$5k in 6 mos.
Best for: Simple points redeemable for any travel expense
 SIMPLE
60k/100k
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| Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information. |
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Other best credit card offers (July 2025) |
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SIMPLE80k/150k
Valuation (BONUS)
Rewards: ≈ $1590
Card fee: $0 $199 (≈ 8.8% back on $18k)
Spend required:
$18k in 12 mos. (or $5k/$9k)
Best for: Highest amount of free travel
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1901
Card fee: $799 (≈ 11.0% back on $10k)
Spend required:
$10k in 3 mos. spend $10k in 3 mos. &
make 1 purchase in months 15-17 Best for: Unlimited access to VIP airport lounges and lucrative rewards
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SIMPLE60k/100k
Valuation (BONUS)
Rewards: $775
Annual fee: $0 $139 (15.5% back on $5k)
Spend required:
$5k in 6 mos.
Best for: Simple points redeemable for any travel expense
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $156 ($12.99/mo.) (≈ 8.3% back on $9k)
Spend required:
$9k in 12 mos.
Best for: Lucrative points & best overall card
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 SIMPLE80k/150k
Valuation (BONUS)
Rewards: ≈ $998
Card fee: $0 $120 (≈ 5.0% back on $20k)
Spend required:
$20k in 12 mos. (or $4.5k/$10k)
Best for: AIR MILES Miles & non-travel redemptions
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 LUCRATIVE60k/100k
Valuation (BONUS)
Rewards: ≈ $641
Annual fee: $0 $139 (≈ 5.3% back on $12k)
Spend required:
$12k in 12 mos. (incl. $7.5k in 180 days)†
Best for: Air Canada free bags benefit
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $540
Card fee: $120 (≈ 14.0% back on $3k)
Spend required:
$3k in 3 mos. + $1k
Best for: Air Canada free bags without min. income
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $1041
Card fee: $599 (≈ 5.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: Air Canada lounge access & other AC benefits
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 LUCRATIVE60k/100k
Valuation (BONUS)
Rewards: ≈ $525
Card fee: $120 Spend required:
no min.
spend Best for: Lucrative points (incl. for business class)
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| Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information. |
Details of the other best card offers
Best for getting the biggest welcome bonus
And best for those who have more spending
The brand-new BMO VIPorter World Elite Mastercard is the best for most travelers who want the biggest amount of free travel! The complete bonus of ≈ $1,590 requires spending a total of $18,000… but even with the bonus that requires spending $9,000, it gives ≈ $870 which is also very excellent. It’s one of the best welcome bonuses ever seen in Canada! But you have until 2026 to take advantage of it, so it’s more strategic to get the others first.
Card rewards:
- 106,000 VIPorter points by unlocking the welcome bonus
- ≈ $1,590 at our Flytrippers Valuation (fee waived the 1st year)
- ≈ 8.8% return on $18,000 (≈ $1,590 on $18,000)
- Points of the more simple type (so it’s less lucrative)
- Value that varies less (relatively fixed in this case)
- Only redeemable for flights on Porter (all flights) and Air Transat (most flights)
Card benefits:
- Automatic VIPorter elite status that includes the following 4 benefits (and others)
- Free checked bag on Porter (including for 8 travel companions)
- Free full-size carry-on bag on Porter (including for 8 travel companions)
- Free seat selection on Porter (including for 8 travel companions)
- Priority check-in and boarding on Porter
- Excellent insurance coverage
- Mastercard accepted at Costco without having to use the prepaid card trick
Other offer highlights:
- 3 options for bonuses and minimum spending requirements
- Annual fee waived for the 1st year (but savvy travelers always look at the net value, not just the fee)
- Companion ticket (a kind of 2 for 1) also included in addition to the welcome bonus
- Launch offer for the brand-new card
- Offer ends January 31, 2026
Best for free unlimited airport lounge access worldwide
And best premium card for luxury travel benefits
The Amex Platinum Card is the best for travelers who want free unlimited access to the world’s largest network of airport lounges, no matter the airline they’re flying. The best premium card in Canada also offers automatic Gold elite status at Marriott and Hilton (VIP treatment at 15,000+ hotels) and so much more. It’s its best offer of the year!
Card rewards:
- 140,000 Amex points by unlocking the welcome bonus AND travel/dining credits
- Or even more with the 3rd part of the bonus that requires more spending (not included in our Valuation)
- ≈ $2300 at our Flytrippers Valuation (minus $599 net fee twice due to the renewal bonus)
- ≈ 11.0% return on $10,000 (≈ $1102 on $10,000)
- Annual $200 travel credit can be cashed in easily on Day 1 (that’s what lowers the fee to a net of $599)
- Points of the more lucrative type (so it’s less simple)
- Value that varies more (enormously in this case)
- Redeemable for specific flights on 100+ airlines by being flexible (or for any expense at a much lower value)
Card benefits:
- Free unlimited access to the world’s largest network of airport lounges (including 1 guest)
- Automatic Gold elite status at Marriott and Hilton hotels
- $100 credit for NEXUS (faster airport security and customs)
- Excellent insurance coverage
Other offer highlights:
- 3 options for bonuses and minimum spending requirements
- Highest welcome bonus for points of the more lucrative type
- Offer ends August 18, 2025
Best for getting simple points redeemable for any travel expense AND lounge access
And best for non-unlimited worldwide free passes to VIP airport lounges
The TD First Class Travel Visa Infinite Card is the best for most travelers who want points of the more simple type redeemable for any travel expense at a simple fixed value and a lounge access benefit!
Card rewards:
- 115,000 TD Rewards points by unlocking the welcome bonus AND 2 travel credits for hotels ($100 each)
- $775 at our Flytrippers Valuation (fee waived the 1st year)
- 15.5% return on $5,000 ($775 on $5,000)
- Points of the more simple type (so it’s less lucrative)
- Value that varies less (not at all in this case)
- Redeemable for any travel expense on the TD site (or on any site with 20% less value)
Card benefits:
- 4 free passes for VIP airport lounges
- Excellent insurance coverage
- Birthday bonus of 10% of points earned in the previous 12 months (maximum $50)
Other offer highlights:
- Relatively low minimum spending requirement (the equivalent of $192 per week)
- Annual fee waived for the 1st year (but savvy travelers always look at the net value, not just the fee)
- Offer end date is not public (it just changed on June 4, 2025)
Best for getting points of the more lucrative type AND a better overall card
And best for those who don't want to get many cards
The Amex Cobalt Card is the best for most travelers who want more lucrative type points, including for traveling in business class, while being less flexible. But the bonus is earned more slowly than other points of the more lucrative type in this section (Aeroplan and Amex). It’s the best overall Canadian card and it’s perfect for those who unfortunately want to go slower (get fewer welcome bonuses)!
Card rewards:
- 60,000 Amex points by unlocking the welcome bonus
- ≈ $900 at our Flytrippers Valuation (minus $156 fee)
- ≈ 8.3% return on $9,000 (≈ $744 on $9,000)
- Points of the more lucrative type (so it’s less simple)
- Value that varies more (enormously in this case)
- Redeemable for specific flights on 100+ airlines (or for any expense at a much lower value)
Card benefits:
- Phenomenal earn rate of 5 pts/$ (≈ 7.5%)
- Good insurance coverage
- “Amex Offers” benefit for various discounts and credits throughout the year
Other offer highlights:
- Minimum spending requirement spread over 12 months
- Expenses must be made at grocery stores (including gift cards) to maximize points obtained with the bonus
- Offer end date is not public (increased offers are very rare)
Best for AIR MILES Miles
And best for a big welcome bonus not for travel
The BMO AIR MILES World Elite MasterCard is the best for travelers who want AIR MILES Miles. It’s the highest offer seen on this card in years. But you have until 2026 to take advantage of it, so it’s more strategic to get the others first.
Card rewards:
- 9,500 AIR MILES Miles by unlocking the welcome bonus
- ≈ $998 at our Flytrippers Valuation (fee waived the 1st year)
- ≈ 5.0% return on $20,000 (≈ $998 on $20,000)
- Points of the more simple type (so it’s less lucrative)
- Value that varies less (a little in this case)
- Redeemable for any travel expense on the AIR MILES site (or even for simple discounts at many retailers)
Card benefits:
- Annual discount on AIR MILES flight
- Automatic AIR MILES elite status
- Excellent insurance coverage
Other offer highlights:
- 3 options for bonuses and minimum spending requirements
- Annual fee waived for the 1st year (but savvy travelers always look at the net value, not just the fee)
- Offer ends June 1, 2026
Best for Air Canada free checked bags benefit
And best for getting Aeroplan points faster (excluding premium cards)
The TD Aeroplan Visa Infinite Card is the best for travelers who want free checked bags on Air Canada and Aeroplan points faster than with other bonuses that give more points but over a longer period (and who don’t want premium-level cards).
Card rewards:
- 52,000 Aeroplan points by unlocking the welcome bonus
- ≈ $780 at our Flytrippers Valuation (minus $139 due to the renewal bonus; fee waived the 1st year)
- ≈ 5.4% return on $12,000 (≈ $641 on $12,000)
- Points of the more lucrative type (so it’s less simple)
- Value that varies more (enormously in this case)
- Redeemable for specific flights on 40+ airlines (or for any Air Canada flight at an lower value)
Card benefits:
- Free checked bag on Air Canada (including for 8 travel companions)
- Discounted prices in points for Air Canada flights
- $100 credit for NEXUS (faster airport security and customs)
- Excellent insurance coverage
Other offer highlights:
- 2 options for bonuses and minimum spending requirements
- Annual fee waived for the 1st year (but savvy travelers always look at the net value, not just the fee)
- Bonus obtainable even if you’ve had this level of Aeroplan card before despite the rules (minus the 10,000 pts with no min. spend)
- Offer end date is not public (the offer has been in effect for many months)
Best for Air Canada free checked bags benefit (no minimum income)
And best for getting more Aeroplan points
The Amex Aeroplan Card is the best for travelers who want free checked bags on Air Canada without a minimum income requirement. It gives you more Aeroplan points if you’ve already had the previous card, despite the official rules.
Card rewards:
- 44,000 Aeroplan points by unlocking the welcome bonus
- ≈ $660 at our Flytrippers Valuation (minus $120 fee twice due to the renewal bonus)
- ≈ 10.5% return on $4,000 (≈ $420 on $4,000)
- Points of the more lucrative type (so it’s less simple)
- Value that varies more (enormously in this case)
- Redeemable for specific flights on 40+ airlines (or for any Air Canada flight at an lower value)
Card benefits:
- Free checked bag on Air Canada (including for 8 travel companions)
- Discounted prices in points for Air Canada flights
- Good insurance coverage
Other offer highlights:
- 2 options for bonuses and minimum spending requirements
- Bonus obtainable even if you’ve had this level of Aeroplan card before despite the rules
- Offer end date is not public (the offer has been in effect for many months)
Best for free unlimited Air Canada airport lounge access
And best for getting more Aeroplan points
The Amex Aeroplan Reserve Card is the best for travelers who want free unlimited access to Air Canada airport lounges in North America, and plenty of other premium Air Canada benefits (including free carry-ons in addition to the free checked bags on Air Canada).
Card rewards:
- 69,375 Aeroplan points by unlocking the welcome bonus
- Or even more with the 2nd and 3rd parts of the bonus that require more spending and renewing (not included in our Valuation)
- ≈ $1041 at our Flytrippers Valuation (minus $599 fee)
- ≈ 5.9% return on $7,500 (≈ $442 on $7,500)
- Points of the more lucrative type (so it’s less simple)
- Value that varies more (enormously in this case)
- Redeemable for specific flights on 40+ airlines (or for any Air Canada flight at an lower value)
Card benefits:
- Free unlimited access to Air Canada airport lounges in North America when flying Air Canada or Star Alliance (including 1 guest)
- Free checked bag on Air Canada (including for 8 travel companions)
- Free carry-on bag on Air Canada
- Discounted prices in points for Air Canada flights
- $100 credit for NEXUS (faster airport security and customs)
- Excellent insurance coverage
Other offer highlights:
- 3 options for bonuses and minimum spending requirements
- Bonus obtainable even if you’ve had this level of Aeroplan card before despite the rules
- Offer ends August 18, 2025
Best for getting points of the more lucrative type with no minimum spending requirement
And best for getting points of the more lucrative type faster
The RBC Avion Visa Infinite Card is the best for most travelers who want to get points of the more lucrative type faster, including for traveling in business class. But the points require being more flexible than other points of the more lucrative type (Aeroplan and Amex). It’s the lowest offer on this card, so you should only get it if you apply the same day as another card with a better bonus, not as a standalone (because it has no minimum spending requirement)
Card rewards:
- 35,000 RBC Avion points by unlocking the welcome bonus
- ≈ $525 at our Flytrippers Valuation (minus $120 fee)
- ≈ 40500% return on $0* (≈ $405 on $0*) *$1 used for the calculation
- Points of the more lucrative type (so it’s less simple)
- Value that varies more (enormously in this case)
- Redeemable for certain specific flights on 40+ airlines by being very flexible (or for almost any travel expense at a much lower value)
Card benefits:
- Excellent insurance coverage
- Free DoorDash DashPass membership for 12 months
- Discounts for gas at Petro-Canada (and others)
Other offer highlights:
- No minimum spending requirement
- Option to get the same bonus without having the required income (by filling out the same application form)
- Offer end date is not public (it just changed on June 11, 2025)
Compare all cards
from all categories
Our always up-to-date ranking of the best credit cards in Canada includes all credit cards in Canada.
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