Best credit card offers (March 2021)
These are the best current credit card offers overall for March 2021, based on the value of the welcome bonus. The more serious you want to be with your travel rewards strategy, the more you’ll focus on the welcome bonus offers.
We’ve summarized the best credit card offers in one table and we give you more details about each one below.
Check out our full ranking of the best credit cards in Canada for 10 specific categories and the best credit cards for every specific traveler (and more information about how our card rankings work).
| Best credit card offers (June 2025) |
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 Valuation (BONUS)(≈ 15.6% back on $5k)
Rewards: ≈ $900
Card fee: $120
Spend required:$5k in 6 mos.
Best for: Lucrative rewards w/ unlim. value great if you're flexible
 LUCRATIVE
60k/100k
ends June 11th
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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: Very lucrative hotel points for specific hotels
 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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| 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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Best credit card offers (June 2025) |
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LUCRATIVE 60k/100k
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $120 (≈ 15.6% back on $5k)
Spend required:
$5k in 6 mos.
Best for: Lucrative rewards w/ unlim. value great if you're flexible
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LUCRATIVE No 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: Very lucrative hotel points for specific hotels
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LUCRATIVE No 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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 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: Incredible offer for those with more spending
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SIMPLE No min. inc.
Valuation (BONUS)
Rewards: ≈ $750
Card fee: $0 $89 (≈ 7.5% back on $10k)
Spend required:
$10k in 12 mos. (or $3k/$6k)
Best for: Great offer for those with more spending
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 LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $1180
Card fee: $250 (≈ 7.8% back on $12k)
Spend required:
$12k in 12 mos.
Best for: Lucrative rewards and 4 passes for VIP airport lounges
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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: Among highest offers ever seen for simple points
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $156 (≈ 8.3% back on $9k)
Spend required:
$9k in 12 mos.
Best for: Best overall card in Canada
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 SIMPLE12k
Valuation (BONUS)
Rewards: $775
Card fee: $120 (8.7% back on $7.5k)
Spend required:
$7.5k in 12 mos. (or $2k)
Best for: Very good travel insurance and earn rate
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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. spend $12k
in 12 mos.† Best for: Valuable Aeroplan pts and travel benefits like free bags on AC
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $1451
Card fee: $799 (≈ 6.5% back on $10k)
Spend required:
$10k in 3 mos.
Best for: Unlimited access to VIP airport lounges and lucrative rewards
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SIMPLE12k
Valuation (BONUS)
Rewards: $1000
Card fee: $399 (6.0% back on $10k)
Spend required:
$10k in 14 mos. (or $3k)
Best for: 10 airport lounge passes and no FX fees
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LUCRATIVE150k/200k
Valuation (BONUS)
Rewards: ≈ $1126
Annual fee: $599 (≈ 2.2% back on $24k)
Spend required:
$24k in 12 mos. (or $12k) spend $24k
in 12 mos.† Best for: For Air Canada lounge access and 6 passes (other lounges)
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LUCRATIVE200k/200k
Valuation (BONUS)
Rewards: ≈ $919
Card fee: $399 (≈ 10.4% back on $5k)
Spend required:
$5k in 6 mos.
Best for: Lucrative pts and 6 passes for VIP airport lounges
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1041
Card fee: $599 (≈ 5.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: For Air Canada lounge access & other AC benefits
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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. |
American Express Cobalt™ Card
This is by far the best current credit card offer in Canada, since its the best-ever offer on one of the best cards: it earns a phenomenal 5 points per dollar at many retailers (5% back as an easy credit or ≈ 5.4% and more as Marriott points).
Best for: travelers who can spend a bit more or want 5X the points.
The American Express Cobalt Card is amazing, but especially if you can spend a bit more on a card—or if you don’t want to maximize your rewards and plan on just getting one card per year.
That’s because it has an excellent earn rate and the welcome bonus is different than all the others: instead of having a minimum spend amount in the first 3 months, you need to spend $500 per month the first year to maximize it (with a special increased offer giving you an even bigger bonus if you spend an extra $1,500 in the first 3 months).
That gives you a ton of points though, especially if you spend a lot at the grocery store (for groceries… or for gift cards to other retailers), because it earns an incredible 5 Amex Select points per dollar (easy-to-use travel credit worth 5%)!!! But it’s actually with the American Express Cobalt Card that I earn a vast majority of my many Marriott points for free hotels (5 Amex Select points = 6 Marriott points), and Marriott points are a lot more valuable.
There is currently the first improved welcome bonus offer since the card launched and it’s the best time to get it: you can’t go wrong with the best offer ever seen on this card (and a card that was already among the best in Canada).
Marriott Bonvoy™ American Express® Card
Simply one of the best, a must-have card for Canadian travelers as it provides exceptional value with its Welcome Bonus (up to 8 completely free hotel nights) and ongoing yearly benefits.
Best for: all Canadian travelers who don’t have it yet.
The Marriott Bonvoy Card is one that every traveler should have, with its amazing welcome bonus of up to 8 completely free hotel nights in many countries (that doesn’t expire as long as you use your card once per year).
It’s also great for beginners specifically, because with the annual free night certificate in luxurious hotels all around the world, it’s a card you should never cancel. That will build up the length of credit history component of your credit score.
And even if you don’t want to stay in Marriott hotels, as an alternative, the Welcome Bonus alone is almost enough to be transferred to 25,000 Aeroplan points. That would still make this welcome bonus worth ≈ $211 based on our Flytrippers Valuation and give you the amazing free night certificate going forward.
BMO eclipse Visa Infinite* Card
A great new card with one of the best earn rates on the Visa network, at 3.33% at many retailers.
Best for: travelers who want easy credits and simple rewards.
The BMO eclipse Visa Infinite* Card is an all-new option, perfect for those who can spend a little bit more on a card in the first 3 months. And also perfect for those who don’t want to deal with more valuable but more complicated variable-value rewards.
BMO Rewards points are a simple travel credit and you also get lifestyle credits that apply to literally any expense. That is the very lucrative welcome bonus, and the card has one of the best earn rate in Canada on some purchase categories.
- Detailed card page
- Flytrippers card review (coming soon)
- Secure BMO application link
SimplyCash™ Preferred Card from American Express®
The highest current welcome bonus offer for simpler cashback and a simple at-large 2% earn rate everywhere.
Best for: travelers who want cashback.
We don’t often recommend cashback cards (as they rarely have welcome bonuses and welcome bonuses are the key) but the SimplyCash Preferred Card has the benefit of offering an interesting bonus.
The offer is that you get 10% back on your first $4,000 spent in 4 months, so $400. There’s a fee of $99, so that’s a net of $301 in free travel, which is really not bad at all. But $4,000 is quite a lot and could be used to unlock 2 welcome bonuses instead of just one.
If you really insist on having cashback but can’t spend $4,000, there is another option but only for those who earn over $60,000: the Scotiabank Momentum Visa Infinite* Card gives you $200 cashback if you spend $2,000 (same for the BMO CashBack® World Elite®* Mastercard®* if you earn $80,000).
- Detailed card page
- Flytrippers card review (coming soon)
- Secure Amex application link
American Express® Aeroplan®* Reserve Card
A premium card with unlimited Air Canada lounge access in North America and benefits designed for Aeroplan members with elite status.
Best for: travelers who want luxury travel benefits on Air Canada.
TBD
- Detailed card page
- Flytrippers card review (coming soon)
- Secure Amex application link
BMO AIR MILES®† World Elite®* MasterCard®*
The highest current welcome bonus offer on AIR MILES credit cards.
Best for: travelers who want AIR MILES Rewards.
The BMO AIR MILES®† World Elite®* MasterCard®* currently has the best welcome bonus offer for AIR MILES Rewards. These are best used for short-haul flights and car rentals, not as cashback-type rewards. You can easily get 20% (or more) in additional value that way.
But even as cash-back, this is the best welcome bonus available for those who don’t want to spend $4,000 in 4 months on the SimplyCash Preferred Card.
With the current offer, after unlocking the Welcome Bonus with $3,000 spent, you’ll have 2,300 AIR MILES miles. That’s worth ≈ $276, or a minimum of $242 as Cash Rewards if you prefer simplicity over value.
- Detailed card page
- Flytrippers card review (coming soon)
- Secure BMO application link
Scotiabank Gold American Express®* Card
An amazing card with great travel insurance, 5% back at many retailers, and no foreign transaction fee.
Best for: travelers who have lower income or lower spending.
tbd
- Detailed card page
- Flytrippers card review (coming soon)
- Secure Scotia application link
HSBC +Rewards™ Mastercard®
A rare card with a welcome bonus and a lower interest rate.
Best for: travelers who need lower interest rates.
tbd
- Detailed card page
- Flytrippers card review (coming soon)
- Secure HSBC application link
HSBC World Elite® Mastercard®
A great card.
Best for: travelers who need a no foreign transaction fee card and can’t wait.
tbd
- Detailed card page
- Flytrippers card review (coming soon)
- Secure HSBC application link
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Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.
All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions that can be found on their website. No efforts are spared to ensure this page is up to date, but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.
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