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
(March 2024)
WELCOME BONUS
( VALUATION)
Best
for
NEW
Marriott Bonvoy American Express Card
Card:
Bonus: spend $3k in 3 mos.
Rewards: ≈ $639
Card fee: $120
Very lucrative
hotel points
for specific hotels
ends May 6th
NEW
Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $6k in 3 mos.
Rewards: ≈ $783
Card fee: $150
For those
who already have
the one above
ends May 6th
NEW
TD First Class Travel Visa Infinite Card
Card:
Bonus: spend $5,000
in 6 months
Rewards: $750
Card fee: $0 $139
Highest offer
for simple points
use for any trip
ends June 3rd
RBC Avion Visa Infinite Card
Card:
Bonus: spend $5,000
in 6 mos.
Rewards: ≈ $900
Card fee: $120
Versatile rewards
valuable or simple
great if you're flexible
ends April 30th
RBC Avion Visa Platinum Card
Card:
Bonus: spend $5,000
in 6 mos.
Rewards: ≈ $900
Card fee: $120
Inferior card only
for those not
eligible for the one above
ends April 30th
Best
American Express Cobalt Card
Card:
Bonus: spend $750/mo for 12 mos.
Rewards: ≈ $900
Card fee: $156
Best overall
card
in Canada
6% rate
Scotiabank Gold American Express Card
Card:
Bonus: spend $7.5k in 1y (or $1k)
Rewards: $775
Card fee: $120
Very good
travel insurance
and earn rate
ends July 1st
Platinum Card from American Express
Card:
Bonus: spend $10k in 3 mos.
Rewards: ≈ $1600
Card fee: $799
Unlimited access to
airport lounges
and flexible rewards
NEW
TD Aeroplan Visa Infinite Card
Card:
Bonus: spend $10k in 12 mos.
(or $6k for lower bonus)
Rewards: ≈ $761
Card fee: $139
Valuable Aeroplan pts
and travel benefits
$5k spend option also available
ends June 3rd
American Express Gold Rewards Card
Card:
Bonus: spend $1k/mo for 12 mos.
Rewards: ≈ $1180
Card fee: $250
Valuable rewards
and 4
airport lounge passes
RBC British Airways Visa Infinite Card
Card:
Bonus: spend $6k in 3 mos.
Rewards: ≈ $840
Card fee: $165
Great airline
rewards
for big spenders
limited time
American Express Aeroplan Card
Card:
Bonus: spend $1k/mo for 10 mos.
Rewards: ≈ $630
Card fee: $120
Valuable Aeroplan pts
without min. income
and lower min. spend
NEW
American Express Aeroplan Reserve Card
Card:
Bonus: spend $7.5k in 3 mos.
Rewards: ≈ $1041
Card fee: $599
For Air Canada
lounge access
& other AC benefits
NEW
WestJet RBC World Elite Mastercard
Card:
Bonus: spend $5,000
in 3 mos.
Rewards: $525
Card fee: $119
Companion
ticket or
4 lounge passes
ends July 31st
Scotiabank Passport Visa Infinite Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: $320
Card fee: $0 $150
6 airport lounge
passes
and no FX fees
ends July 1st
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.
Best credit card offers
(March 2024)
NEW
Marriott Bonvoy American Express® Card
Marriott Bonvoy American Express Card
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
ends May 6th
Rewards: ≈ $639
Card fee: $120
Best for: Very lucrative hotel points
for specific hotels
NEW
Marriott Bonvoy Business American Express® Card
Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $6k in 3 mos.
WELCOME BONUS
ends May 6th
Rewards: ≈ $783
Card fee: $150
Best for: For those who already have
the one above
NEW
TD First Class Travel® Visa Infinite* Card
TD First Class Travel Visa Infinite Card
Card:
Bonus: spend $5,000
in 6 months
WELCOME BONUS
ends June 3rd
Rewards: $750
Card fee: $0 $139
Best for: Highest offer for simple points
use for any trip
RBC Avion Visa Infinite Card RBC Avion Visa Infinite Card
Card:
Bonus: spend $5,000
in 6 mos.
WELCOME BONUS
ends April 30th
Rewards: ≈ $900
Card fee: $120
Best for: Versatile rewards valuable or simple
great if you're flexible
RBC Avion Visa Platinum Card RBC Avion Visa Platinum Card
Card:
Bonus: spend $5,000
in 6 mos.
WELCOME BONUS
ends April 30th
Rewards: ≈ $900
Card fee: $120
Best for: Inferior card only for those not
eligible for the one above
Best
American Express Cobalt® Card
American Express Cobalt Card
Card:
Bonus: spend $750/mo for 12 mos.
WELCOME BONUS
Rewards: ≈ $900
Card fee: $156
Best for: Best overall card
in Canada
6% rate
Scotiabank Gold American Express® Card
Scotiabank Gold American Express Card
Card:
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS
ends July 1st
Rewards: $775
Card fee: $120
Best for: Very good travel insurance
and earn rate
Platinum Card® from American Express Platinum Card from American Express
Card:
Bonus: spend $10k in 3 mos.
WELCOME BONUS
Rewards: ≈ $1600
Card fee: $799
Best for: Unlimited access to airport lounges
and flexible rewards
NEW
TD® Aeroplan® Visa Infinite* Card
TD Aeroplan Visa Infinite Card
Card:
Bonus: spend $10k in 12 mos.
(or $6k for lower bonus)
WELCOME BONUS
ends June 3rd
Rewards: ≈ $761
Card fee: $139
Best for: Valuable Aeroplan pts and travel benefits
$5k spend option also available
American Express® Gold Rewards Card American Express Gold Rewards Card
Card:
Bonus: spend $1k/mo for 12 mos.
WELCOME BONUS
Rewards: ≈ $1180
Card fee: $250
Best for: Valuable rewards and 4
airport lounge passes
RBC® British Airways Visa Infinite RBC British Airways Visa Infinite Card
Card:
Bonus: spend $6k in 3 mos.
WELCOME BONUS
limited time
Rewards: ≈ $840
Card fee: $165
Best for: Great airline rewards
for big spenders
American Express® Aeroplan®* Card American Express Aeroplan Card
Card:
Bonus: spend $1k/mo for 10 mos.
WELCOME BONUS
Rewards: ≈ $630
Card fee: $120
Best for: Valuable Aeroplan pts without min. income
and lower min. spend
NEW
American Express® Aeroplan®* Reserve Card
American Express Aeroplan Reserve Card
Card:
Bonus: spend $7.5k in 3 mos.
WELCOME BONUS
Rewards: ≈ $1041
Card fee: $599
Best for: For Air Canada lounge access
& other AC benefits
NEW
WestJet RBC World Elite Mastercard
WestJet RBC World Elite Mastercard
Card:
Bonus: spend $5,000
in 3 mos.
WELCOME BONUS
ends July 31st
Rewards: $525
Card fee: $119
Best for: Companion ticket or
4 lounge passes
Scotiabank Passport® Visa Infinite* Card Scotiabank Passport Visa Infinite Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
ends July 1st
Rewards: $320
Card fee: $0 $150
Best for: 6 airport lounge passes
and no FX fees
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.

American Express Cobalt® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
Rewards: ≈ $900*
Card fee: $156

minimum income required: $0
spend $750/mo for 12 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
American Express Cobalt® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
minimum income
required: $0


Rewards: ≈ $900*
Card fee: $156

spend $750/mo for 12 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

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.

Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
Rewards: ≈ $639*
Card fee: $120
ends May 6th

minimum income required: $0
spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
minimum income
required: $0


ends May 6th
Rewards: ≈ $639*
Card fee: $120

spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

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.

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.

Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
Rewards: ≈ $639*
Card fee: $120
ends May 6th

minimum income required: $0
spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
minimum income
required: $0


ends May 6th
Rewards: ≈ $639*
Card fee: $120

spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

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).

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.

Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
Rewards: ≈ $639*
Card fee: $120
ends May 6th

minimum income required: $0
spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
minimum income
required: $0


ends May 6th
Rewards: ≈ $639*
Card fee: $120

spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

TBD

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.

Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
Rewards: ≈ $639*
Card fee: $120
ends May 6th

minimum income required: $0
spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
minimum income
required: $0


ends May 6th
Rewards: ≈ $639*
Card fee: $120

spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

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.

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.

Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
Rewards: ≈ $639*
Card fee: $120
ends May 6th

minimum income required: $0
spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
minimum income
required: $0


ends May 6th
Rewards: ≈ $639*
Card fee: $120

spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

tbd

HSBC +Rewards™ Mastercard®

A rare card with a welcome bonus and a lower interest rate.

Best for: travelers who need lower interest rates.

Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
Rewards: ≈ $639*
Card fee: $120
ends May 6th

minimum income required: $0
spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
minimum income
required: $0


ends May 6th
Rewards: ≈ $639*
Card fee: $120

spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

tbd

HSBC World Elite® Mastercard®

A great card.

Best for: travelers who need a no foreign transaction fee card and can’t wait.

Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
Rewards: ≈ $639*
Card fee: $120
ends May 6th

minimum income required: $0
spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Marriott Bonvoy American Express® Card
Flytrippers Valuation
of Welcome bonus (net value)
≈ $
minimum income
required: $0


ends May 6th
Rewards: ≈ $639*
Card fee: $120

spend $3000 in 3 months
Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

tbd

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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.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. Flytrippers never shares an offer if it is not considered advantageous for certain travelers, at its sole discretion.

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