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The best credit card offers right now

Best credit card offers (April 2025)		WELCOME BONUS ( VALUATION)	Best for
launch	BMO VIPorter World Elite^{^®} Mastercard^{^®} Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $18k in 12 mos. (or $5k/$9k for lower bonus)	≈ $1590Flytrippers Valuation Welcome bonus (after $5k): 20,000 pts (≈ $300) Welcome bonus (after $4k more): 20,000 pts (≈ $300) Welcome bonus (after $9k more): 30,000 pts (≈ $450) Earn on min. spend ($5k): 10,000 pts (≈ $150) Earn on min. spend ($4k more): 8,000 pts (≈ $120) Earn on min. spend ($9k more): 18,000 pts (≈ $270) Card fee: 1^st year free (-$0) Rewards: ≈ $1590 Card fee: $0 $199	Incredible offer for those with more spending	limited time
launch	BMO VIPorter Mastercard^{^®*} Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 12 mos. (or $3k/$6k for lower bonus)	≈ $750Flytrippers Valuation Welcome bonus (after $3k): 10,000 pts (≈ $150) Welcome bonus (after $3k more): 15,000 pts (≈ $225) Welcome bonus (after $4k more): 15,000 pts (≈ $225) Earn on min. spend ($3k): 3,000 pts (≈ $45) Earn on min. spend ($3k more): 3,000 pts (≈ $45) Earn on min. spend ($4k more): 4,000 pts (≈ $60) Card fee: 1^st year free (-$0) Rewards: ≈ $750 Card fee: $0 $89	Great offer for those with more spending	limited time
	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 months	$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) Rewards: $1025 Card fee: $0 $139	Among highest offers ever seen for simple points
	American Express^{^®} Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/month for 12 months	≈ $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	Lucrative rewards and 4 passes for VIP airport lounges
record-high	RBC Avion 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.	≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) Rewards: ≈ $900 Card fee: $120	Lucrative rewards w/ unlim. value great if you're flexible	ends June 11^th
best	American Express Cobalt^{^®} Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $750/month for 12 months	≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	Best overall card in Canada
	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 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends July 1^st
	TD^{^®} Aeroplan^{^®} Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $12k in 12 mos. (incl. $7.5k in 180 days)^{^†}	≈ $641Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after $7.5k min. spend): 15,000 pts (≈ $225) Earn on $7.5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $4.5k in spend): 15,000 pts (≈ $225) Earn on another $4.5k in spend: 4,500 pts (≈ $67) Card fee (year 1): rebated the 1^st year (-$0) Card fee (year 2): deducted (-$139) Rewards: ≈ $641 Card fee: $0 $139	Valuable Aeroplan pts and travel benefits like free bags on AC
	Platinum Card^{^®} from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 3 mos.	≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: ≈ $1451 Card fee: $799	Unlimited access to VIP airport lounges and lucrative rewards
	Scotiabank Platinum American Express^{^®} Card Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $None Bonus: spend $10k in 14 mos. (or $3k for lower bonus)	$601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399) Rewards: $1000 Card fee: $399	10 airport lounge passes and no FX fees	ends October 31^st
	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 $24k in 12 mos. (or $12k for lower bonus)	≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Rewards: ≈ $1126 Card fee: $599	For Air Canada lounge access and 6 passes (other lounges)
	RBC Avion Visa Infinite Privilege Card Card: $200k minimum income requiredMinimum personal income of $200,000 or minimum household income of $200,000 Bonus: spend $5,000 in 6 mos.	≈ $520Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 6,250 pts (≈ $94) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts (≈ $225) Rewards: ≈ $919 Card fee: $399	Lucrative pts and 6 passes for VIP airport lounges	limited time
	American Express^{^®} Business Gold Rewards Card Card: no business required Bonus: spend $7.5k in 3 mos.	≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus Rewards: ≈ $713 Card fee: $199	More valuable Amex points for Aeroplan or Avios
	American Express^{^®} Aeroplan^{^®*} Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $7.5k in 3 mos.	≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend Rewards: ≈ $1041 Card fee: $599	For Air Canada lounge access & other AC benefits
	Marriott Bonvoy^{^™} American Express^{^®} Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1.5k in 3 mos.	≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) Rewards: ≈ $477 Card fee: $120	Very lucrative hotel points for specific hotels
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 (April 2025)
launch BMO VIPorter World Elite^{^®} Mastercard^{^®}
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $18k in 12 mos. (or $5k/$9k for lower bonus)
WELCOME BONUS	limited time
≈ $1590Flytrippers Valuation Welcome bonus (after $5k): 20,000 pts (≈ $300) Welcome bonus (after $4k more): 20,000 pts (≈ $300) Welcome bonus (after $9k more): 30,000 pts (≈ $450) Earn on min. spend ($5k): 10,000 pts (≈ $150) Earn on min. spend ($4k more): 8,000 pts (≈ $120) Earn on min. spend ($9k more): 18,000 pts (≈ $270) Card fee: 1^st year free (-$0)
Rewards: ≈ $1590
Card fee: $0 $199
Best for: Incredible offer for those with more spending
launch BMO VIPorter Mastercard^{^®*}
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 12 mos. (or $3k/$6k for lower bonus)
WELCOME BONUS	limited time
≈ $750Flytrippers Valuation Welcome bonus (after $3k): 10,000 pts (≈ $150) Welcome bonus (after $3k more): 15,000 pts (≈ $225) Welcome bonus (after $4k more): 15,000 pts (≈ $225) Earn on min. spend ($3k): 3,000 pts (≈ $45) Earn on min. spend ($3k more): 3,000 pts (≈ $45) Earn on min. spend ($4k more): 4,000 pts (≈ $60) Card fee: 1^st year free (-$0)
Rewards: ≈ $750
Card fee: $0 $89
Best for: Great offer for those with more spending
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 months
WELCOME BONUS
$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0)
Rewards: $1025
Card fee: $0 $139
Best for: Among highest offers ever seen for simple points
American Express^{^®} Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/month for 12 months
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: Lucrative rewards and 4 passes for VIP airport lounges
record-high RBC Avion 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 June 11^th
≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120)
Rewards: ≈ $900
Card fee: $120
Best for: Lucrative rewards w/ unlim. value great if you're flexible
best American Express Cobalt^{^®} Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $750/month for 12 months
WELCOME BONUS
≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Best for: Best overall card in Canada
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 12 mos. (or $2k for lower bonus)
WELCOME BONUS	ends July 1^st
$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Best for: Very good travel insurance and earn rate
TD^{^®} Aeroplan^{^®} Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $12k in 12 mos. (incl. $7.5k in 180 days)^{^†}
WELCOME BONUS
≈ $641Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after $7.5k min. spend): 15,000 pts (≈ $225) Earn on $7.5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $4.5k in spend): 15,000 pts (≈ $225) Earn on another $4.5k in spend: 4,500 pts (≈ $67) Card fee (year 1): rebated the 1^st year (-$0) Card fee (year 2): deducted (-$139)
Rewards: ≈ $641
Card fee: $0 $139
Best for: Valuable Aeroplan pts and travel benefits like free bags on AC
Platinum Card^{^®} from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 3 mos.
WELCOME BONUS
≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799)
Rewards: ≈ $1451
Card fee: $799
Best for: Unlimited access to VIP airport lounges and lucrative rewards
Scotiabank Platinum American Express^{^®} Card
Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $None
Bonus: spend $10k in 14 mos. (or $3k for lower bonus)
WELCOME BONUS	ends October 31^st
$601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399)
Rewards: $1000
Card fee: $399
Best for: 10 airport lounge passes and no FX fees
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 $24k in 12 mos. (or $12k for lower bonus)
WELCOME BONUS
≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599)
Rewards: ≈ $1126
Card fee: $599
Best for: For Air Canada lounge access and 6 passes (other lounges)
RBC Avion Visa Infinite Privilege Card
Card: $200k minimum income requiredMinimum personal income of $200,000 or minimum household income of $200,000
Bonus: spend $5,000 in 6 mos.
WELCOME BONUS	limited time
≈ $520Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 6,250 pts (≈ $94) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts (≈ $225)
Rewards: ≈ $919
Card fee: $399
Best for: Lucrative pts and 6 passes for VIP airport lounges
American Express^{^®} Business Gold Rewards Card
Card: no business required
Bonus: spend $7.5k in 3 mos.
WELCOME BONUS
≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus
Rewards: ≈ $713
Card fee: $199
Best for: More valuable Amex points for Aeroplan or Avios
American Express^{^®} Aeroplan^{^®*} Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 3 mos.
WELCOME BONUS
≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend
Rewards: ≈ $1041
Card fee: $599
Best for: For Air Canada lounge access & other AC benefits
Marriott Bonvoy^{^™} American Express^{^®} Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120)
Rewards: ≈ $477
Card fee: $120
Best for: Very lucrative hotel points for specific hotels
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.

Live VIDEO guide

Links to the content we talked about

Travel in general

Travel Rewards

The best credit card offers right now

Reminder of the important documents to download

Checklist for each time you get a new card

Card tracking template to stay organized

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