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 (May 2023)		WELCOME BONUS ( VALUATION)	Best for
new	TD^® Aeroplan^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $7.5k in 12 mos.	≈ $941Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 40,000 pts (≈ $600) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 20,000 pts (≈ $300) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): deducted (-$139) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $1080 Card fee: $139	Valuable Aeroplan pts and travel benefits $5k spend option also available	ends September 5th
NEW	Marriott Bonvoy^™ American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 3 mos.	≈ $609Flytrippers Valuation Welcome bonus: 65,000 pts (≈ $585) Renewal bonus: 10,000 pts (≈ $90) Earn on min. spend: 6,000 pts (≈ $54) Card fee (year 1): deducted (-$120) Free night certificate (year 2): minimum (≈ $120) Card fee (year 2): deducted (-$120) Rewards: ≈ $729 Card fee: $120	Very lucrative hotel points for specific hotels	ends July 24th
NEW	Marriott Bonvoy^™ Business American Express^® Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $705Flytrippers Valuation Welcome bonus : 75,000 pts (≈ $675) Renewal bonus : 10,000 pts (≈ $90) Earn on min. spend: 10,000 pts (≈ $90) Card fee (year 1): deducted (-$150) Free night certificate (year 2): minimum (≈ $150) Card fee (year 2): deducted (-$150) Rewards: ≈ $855 Card fee: $150	For those who already have the one above	ends July 24th
Extended	National Bank^® World Elite Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $5k in 3 mos.	≈ $750Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Insurance bonus: 10,000 pts ($100) Travel extras credit (2023): varies by traveler* (≈ $150) Travel extras credit (2024): varies by traveler* (≈ $150) Earn on min. spend: 5,000 pts ($50) Card fee: first year free (-$0) Also offered but not included in Valuation: additional renewal bonus of 30,000 pts ($300) if you spend another $7,000 in the first 12 months Rewards: ≈ $750 Card fee: $0 $150	Great offer & great insurance & YUL lounge access	ends June 30th
new	TD First Class Travel^® Visa Infinite^* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $5k in 6 mos.	$650Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 80,000 pts ($400) Earn on min. spend: 30,000 pts ($150) Card fee: 1st year free (-$0) Also offered but not included in Valuation Birthday Bonus: 10% of points earned up to 10,000 pts ($50) Also offered but not included in Valuation Travel credit: On 1st $500 booking ($100) Rewards: $650 Card fee: $0 $139	Highest offer for simple points and 1st year free	ends September 5th
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	Best overall card in Canada
ENDING	HSBC World Elite^® Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $6k in 6 mos. (see QC offer)	≈ $688Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $120) Welcome bonus (min. spend of $1k/mo for 6 mos.): 60,000 pts (≈ $360) Earn on min. spend: 18,000 pts (≈ $108) Annual credit: for travel ($100) Card fee: first year free (-$0) Rewards: ≈ $688 Card fee: $0 $149	No FX fee good earn rate & flexible rewards	ends May 31st
	American Express^® Aeroplan^®* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 6 mos.	≈ $675Flytrippers Valuation Welcome bonus: 35,000 pts (≈ $525) Monthly bonus for 6 mos. (min. spend split): 15,000 pts (≈ $225) Earn on min. spend: 3,000 pts (≈ $45) Card fee: deducted (-$120) Rewards: ≈ $795 Card fee: $120	Valuable Aeroplan pts without min. income and lower min. spend
new	Scotiabank Gold American Express^® Card Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $None Bonus: spend $7.5k in 1y (or $1k)	$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends October 31st
	CIBC Aventura^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $1k in 4 mos.	≈ $513Flytrippers Valuation Welcome bonus (after 1 purchase): 20,000 pts (≈ $250) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 1,000 pts (≈ $13) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50) Rewards: ≈ $513 Card fee: showFee: $139 (first year annual fee rebated)† Annual Interest Rate (purchases): 20.99%† Annual Interest Rate (balance transfer): 22.99%†, 21.99%† (for Québec residents) Annual Interest Rate (cash advance): 22.99%†, 21.99%† (for Québec residents)	Flexible rewards and 4 airport lounge passes	limited time
	CIBC Aventura^® Gold Visa* Card Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000 Bonus: spend $1k in 4 mos.	≈ $513Flytrippers Valuation Welcome bonus (after 1 purchase): 20,000 pts (≈ $250) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 1,000 pts (≈ $13) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50) Rewards: ≈ $513 Card fee: showFee: $139 (first year annual fee rebated)† Annual Interest Rate (purchases): 20.99%† Annual Interest Rate (balance transfer): 22.99%†, 21.99%† (for Québec residents) Annual Interest Rate (cash advance): 22.99%†, 21.99%† (for Québec residents)	Flexible rewards and 4 airport lounge passes	limited time
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 12 mos.	≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: ≈ $1180 Card fee: $250	Valuable rewards and 4 airport lounge passes
	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $7.5k in 3 mos.	≈ $814Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 7,500 pts (≈ $113) Annual credit: can be cashed out ($200) Card fee: deducted (-$699) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1513 Card fee: $699	Unlimited access to airport lounges and flexible rewards
	American Express^® Aeroplan^®* Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $6k in 3 mos.	≈ $527Flytrippers Valuation Welcome bonus: 45,000 pts (≈ $675) Monthly bonus for 3 mos. (min. spend split): 22,500 pts (≈ $338) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$599) Monthly bonus for 3 extra months also offered (not included in Flytrippers Valuation) Renewal bonus also offered (not included in Flytrippers Valuation) Rewards: ≈ $1126 Card fee: $599	For Air Canada lounge access & other AC benefits	ends July 24th
	TD^® Aeroplan^® Visa* Infinite Privilege* Card Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000 Bonus: spend $12k in 12 mos.	≈ $775Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $300) Welcome bonus (after $7.5k min. spend): 60,000 pts (≈ $900) Earn on 7.5k min. spend: 10,313 pts (≈ $155) Anniversary bonus (after another $4.5k in spend): 35,000 pts (≈ $525) Earn on another 4.5k in spend: 6,188 pts (≈ $93) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $1374 Card fee: $599	For Air Canada lounge access and 6 passes (other lounges)	ends September 5th
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 (May 2023)
new TD^® Aeroplan^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $7.5k in 12 mos.
WELCOME BONUS	ends September 5th
≈ $941Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 40,000 pts (≈ $600) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 20,000 pts (≈ $300) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): deducted (-$139) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $1080
Card fee: $139
Best for: Valuable Aeroplan pts and travel benefits $5k spend option also available
NEW Marriott Bonvoy^™ American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 3 mos.
WELCOME BONUS	ends July 24th
≈ $609Flytrippers Valuation Welcome bonus: 65,000 pts (≈ $585) Renewal bonus: 10,000 pts (≈ $90) Earn on min. spend: 6,000 pts (≈ $54) Card fee (year 1): deducted (-$120) Free night certificate (year 2): minimum (≈ $120) Card fee (year 2): deducted (-$120)
Rewards: ≈ $729
Card fee: $120
Best for: Very lucrative hotel points for specific hotels
NEW Marriott Bonvoy^™ Business American Express^® Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	ends July 24th
≈ $705Flytrippers Valuation Welcome bonus : 75,000 pts (≈ $675) Renewal bonus : 10,000 pts (≈ $90) Earn on min. spend: 10,000 pts (≈ $90) Card fee (year 1): deducted (-$150) Free night certificate (year 2): minimum (≈ $150) Card fee (year 2): deducted (-$150)
Rewards: ≈ $855
Card fee: $150
Best for: For those who already have the one above
Extended National Bank^® World Elite Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $5k in 3 mos.
WELCOME BONUS	ends June 30th
≈ $750Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Insurance bonus: 10,000 pts ($100) Travel extras credit (2023): varies by traveler* (≈ $150) Travel extras credit (2024): varies by traveler* (≈ $150) Earn on min. spend: 5,000 pts ($50) Card fee: first year free (-$0) Also offered but not included in Valuation: additional renewal bonus of 30,000 pts ($300) if you spend another $7,000 in the first 12 months
Rewards: ≈ $750
Card fee: $0 $150
Best for: Great offer & great insurance & YUL lounge access
new TD First Class Travel^® Visa Infinite^* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $5k in 6 mos.
WELCOME BONUS	ends September 5th
$650Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 80,000 pts ($400) Earn on min. spend: 30,000 pts ($150) Card fee: 1st year free (-$0) Also offered but not included in Valuation Birthday Bonus: 10% of points earned up to 10,000 pts ($50) Also offered but not included in Valuation Travel credit: On 1st $500 booking ($100)
Rewards: $650
Card fee: $0 $139
Best for: Highest offer for simple points and 1st year free
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Best for: Best overall card in Canada
ENDING HSBC World Elite^® Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $6k in 6 mos. (see QC offer)
WELCOME BONUS	ends May 31st
≈ $688Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $120) Welcome bonus (min. spend of $1k/mo for 6 mos.): 60,000 pts (≈ $360) Earn on min. spend: 18,000 pts (≈ $108) Annual credit: for travel ($100) Card fee: first year free (-$0)
Rewards: ≈ $688
Card fee: $0 $149
Best for: No FX fee good earn rate & flexible rewards
American Express^® Aeroplan^®* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 6 mos.
WELCOME BONUS
≈ $675Flytrippers Valuation Welcome bonus: 35,000 pts (≈ $525) Monthly bonus for 6 mos. (min. spend split): 15,000 pts (≈ $225) Earn on min. spend: 3,000 pts (≈ $45) Card fee: deducted (-$120)
Rewards: ≈ $795
Card fee: $120
Best for: Valuable Aeroplan pts without min. income and lower min. spend
new Scotiabank Gold American Express^® Card
Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $None
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS	ends October 31st
$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Best for: Very good travel insurance and earn rate
CIBC Aventura^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $1k in 4 mos.
WELCOME BONUS	limited time
≈ $513Flytrippers Valuation Welcome bonus (after 1 purchase): 20,000 pts (≈ $250) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 1,000 pts (≈ $13) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50)
Rewards: ≈ $513
Card fee: showFee: $139 (first year annual fee rebated)† Annual Interest Rate (purchases): 20.99%† Annual Interest Rate (balance transfer): 22.99%†, 21.99%† (for Québec residents) Annual Interest Rate (cash advance): 22.99%†, 21.99%† (for Québec residents)
Best for: Flexible rewards and 4 airport lounge passes
CIBC Aventura^® Gold Visa* Card
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000
Bonus: spend $1k in 4 mos.
WELCOME BONUS	limited time
≈ $513Flytrippers Valuation Welcome bonus (after 1 purchase): 20,000 pts (≈ $250) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 1,000 pts (≈ $13) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50)
Rewards: ≈ $513
Card fee: showFee: $139 (first year annual fee rebated)† Annual Interest Rate (purchases): 20.99%† Annual Interest Rate (balance transfer): 22.99%†, 21.99%† (for Québec residents) Annual Interest Rate (cash advance): 22.99%†, 21.99%† (for Québec residents)
Best for: Flexible rewards and 4 airport lounge passes
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 12 mos.
WELCOME BONUS
≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50)
Rewards: ≈ $1180
Card fee: $250
Best for: Valuable rewards and 4 airport lounge passes
Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 3 mos.
WELCOME BONUS
≈ $814Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 7,500 pts (≈ $113) Annual credit: can be cashed out ($200) Card fee: deducted (-$699) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1513
Card fee: $699
Best for: Unlimited access to airport lounges and flexible rewards
American Express^® Aeroplan^®* Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $6k in 3 mos.
WELCOME BONUS	ends July 24th
≈ $527Flytrippers Valuation Welcome bonus: 45,000 pts (≈ $675) Monthly bonus for 3 mos. (min. spend split): 22,500 pts (≈ $338) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$599) Monthly bonus for 3 extra months also offered (not included in Flytrippers Valuation) Renewal bonus also offered (not included in Flytrippers Valuation)
Rewards: ≈ $1126
Card fee: $599
Best for: For Air Canada lounge access & other AC benefits
TD^® Aeroplan^® Visa* Infinite Privilege* Card
Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000
Bonus: spend $12k in 12 mos.
WELCOME BONUS	ends September 5th
≈ $775Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $300) Welcome bonus (after $7.5k min. spend): 60,000 pts (≈ $900) Earn on 7.5k min. spend: 10,313 pts (≈ $155) Anniversary bonus (after another $4.5k in spend): 35,000 pts (≈ $525) Earn on another 4.5k in spend: 6,188 pts (≈ $93) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $1374
Card fee: $599
Best for: For Air Canada lounge access and 6 passes (other lounges)
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.

Cards hide

American Express Cobalt™ Card

Marriott Bonvoy™ American Express® Card

BMO eclipse Visa Infinite* Card

SimplyCash™ Preferred Card from American Express®

American Express® Aeroplan®* Reserve Card

BMO AIR MILES®† World Elite®* MasterCard®*

Scotiabank Gold American Express®* Card

HSBC +Rewards™ Mastercard®

HSBC World Elite® Mastercard®

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)

≈ $ 744Flytrippers Valuation

Welcome bonus:
30,000 pts (≈ $450)

Earn on min. spend:
30,000 pts (≈ $450)

Card fee:
deducted (-$156)

Rewards: ≈ $900*

Card fee: $156

minimum income required: $0

spend $500/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)

≈ $ 744Flytrippers Valuation

Welcome bonus:
30,000 pts (≈ $450)

Earn on min. spend:
30,000 pts (≈ $450)

Card fee:
deducted (-$156)

minimum income
required: $0

Rewards: ≈ $900*
Card fee: $156

spend $500/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)

≈ $ 609Flytrippers Valuation

Welcome bonus:
65,000 pts (≈ $585)

Renewal bonus:
10,000 pts (≈ $90)

Earn on min. spend:
6,000 pts (≈ $54)

Card fee (year 1):
deducted (-$120)

Free night certificate (year 2):
minimum (≈ $120)

Card fee (year 2):
deducted (-$120)

Rewards: ≈ $729*

Card fee: $120

ends July 24th

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 July 24th

Rewards: ≈ $729*
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.

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.

Marriott Bonvoy^™ American Express^® Card

Flytrippers Valuation
of Welcome bonus (net value)

Rewards: ≈ $729*

Card fee: $120

ends July 24th

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 July 24th

Rewards: ≈ $729*
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).

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.

Marriott Bonvoy^™ American Express^® Card

Flytrippers Valuation
of Welcome bonus (net value)

Rewards: ≈ $729*

Card fee: $120

ends July 24th

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 July 24th

Rewards: ≈ $729*
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

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.

Marriott Bonvoy^™ American Express^® Card

Flytrippers Valuation
of Welcome bonus (net value)

Rewards: ≈ $729*

Card fee: $120

ends July 24th

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 July 24th

Rewards: ≈ $729*
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.

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.

Marriott Bonvoy^™ American Express^® Card

Flytrippers Valuation
of Welcome bonus (net value)

Rewards: ≈ $729*

Card fee: $120

ends July 24th

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 July 24th

Rewards: ≈ $729*
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

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.

Marriott Bonvoy^™ American Express^® Card

Flytrippers Valuation
of Welcome bonus (net value)

Rewards: ≈ $729*

Card fee: $120

ends July 24th

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 July 24th

Rewards: ≈ $729*
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

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.

Marriott Bonvoy^™ American Express^® Card

Flytrippers Valuation
of Welcome bonus (net value)

Rewards: ≈ $729*

Card fee: $120

ends July 24th

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 July 24th

Rewards: ≈ $729*
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

Detailed card page
Flytrippers card review (coming soon)
Secure HSBC application link

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Flytrippers travel rewards terms & conditions

This content is not sponsored. Some links on this page may allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone and therefore helping us to fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

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.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles and pages on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered as advice for specific situations. It is your responsibility to perform your own personal research to make sure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here.

Best credit card offers (March 2021)

American Express Cobalt™ Card

Marriott Bonvoy™ American Express® Card

BMO eclipse Visa Infinite* Card

SimplyCash™ Preferred Card from American Express®

American Express® Aeroplan®* Reserve Card

BMO AIR MILES®† World Elite®* MasterCard®*

Scotiabank Gold American Express®* Card

HSBC +Rewards™ Mastercard®

HSBC World Elite® Mastercard®

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Subscribe to receive our free travel rewards newsletter with strategies, guides, and more.

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Marriott Bonvoy™ American Express^® Card

SimplyCash™ Preferred Card from American Express^®

American Express^® Aeroplan^®* Reserve Card

BMO AIR MILES^®† World Elite^®* MasterCard^®*

Scotiabank Gold American Express^®* Card

HSBC +Rewards™ Mastercard^®

HSBC World Elite^® Mastercard^®