Webinar Guide

Links to everything we talked about

The best credit card offers right now

Best credit card offers (September 2024)
NEW TD First Class Travel^{^®} Visa Infinite^* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $5k in 6 months
WELCOME BONUS ( VALUATION)	ends January 6^th
$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
Annual fee: $0 $139
Best for: Among highest offers for simple points use for any trip
Scotiabank Gold American Express^{^®} Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $7.5k in 12 mos. (or $1k for lower bonus)
WELCOME BONUS ( VALUATION)	ends October 31^st
$825Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 25,000 pts ($250) 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: 1^st year free (-$0)
Rewards: $825
Card fee: $0 $120
Best for: Very good travel insurance and earn rate

NEW RBC Avion Visa Infinite Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $5k in 6 mos.
WELCOME BONUS ( VALUATION)	ends November 25^th apply now
≈ $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: Versatile rewards valuable or simple great if you're flexible
American Express^{^®} Gold Rewards Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1k/month for 12 months
WELCOME BONUS ( VALUATION)
≈ $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
Min. income (card): $0No minimum income required.
Min. spend (bonus): $10k in 3 months
WELCOME BONUS ( VALUATION)
≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2024): $200 total conservatively-valued (≈ $100) Dining credit (2025): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1600
Card fee: $799
Best for: Unlimited access to airport lounges and flexible rewards
American Express Cobalt^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $750/month for 12 months
WELCOME BONUS ( VALUATION)
≈ $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
NEW TD^{^®} Aeroplan^{^®} Visa Infinite* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $12k in 12 mos. (or $7.5k for lower bonus)^{^†}
WELCOME BONUS ( VALUATION)	ends January 6^th
≈ $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
Annual fee: $0 $139
Best for: Valuable Aeroplan pts and travel benefits like free bags on AC
American Express^{^®} Aeroplan^{^®*} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $3k in 3 mos. + $1k
WELCOME BONUS ( VALUATION)
≈ $570Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 20,000 pts (≈ $300) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120)
Rewards: ≈ $690
Card fee: $120
Best for: Valuable Aeroplan pts without min. income and lower min. spend
RBC Avion Visa Infinite Privilege Card
Min. income (card): $200k or $200kMinimum personal income of $200,000 or minimum household income of $200,000
Min. spend (bonus): $5k in 6 mos.
WELCOME BONUS ( VALUATION)	ends November 25^th
≈ $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
Min. spend (bonus): $7.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $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
NEW BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®}
Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000
Min. spend (bonus): $3k in 3 mos. + 8 fill-ups (optional)
WELCOME BONUS ( VALUATION)	ends September 30^th
≈ $475Flytrippers Valuation Welcome bonus (Miles): 3,000 pts (≈ $315) Earn on min. spend: 375 pts (≈ $39) Welcome bonus (gas discount): 27¢/L on 400L (≈ $108) Earn on fill-ups: 123 pts (≈ $13) Card fee: 1^st year free (-$0)
Rewards: ≈ $475
Card fee: $0 $120
Best for: AIR MILES Miles & annual discount on flight
American Express^{^®} Aeroplan^{^®*} Reserve Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $7.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $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
NEW RBC Avion Visa Infinite Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $5k in 6 mos.
WELCOME BONUS ( VALUATION)	ends November 25^th apply now
≈ $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: Versatile rewards valuable or simple great if you're flexible
Marriott Bonvoy^{^™} American Express^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $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.

Best credit card offers (September 2024)		WELCOME BONUS ( VALUATION)	Best for
NEW	TD First Class Travel^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $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 Annual fee: $0 $139	Among highest offers for simple points use for any trip	ends January 6^th
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $1k for lower bonus)	$825Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 25,000 pts ($250) 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: 1^st year free (-$0) Rewards: $825 Card fee: $0 $120	Very good travel insurance and earn rate	ends October 31^st
NEW	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $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	Versatile rewards valuable or simple great if you're flexible	ends November 25^th apply now
	American Express^{^®} Gold Rewards Card Min. income (card): $0No minimum income required. Min. spend (bonus): $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	Valuable rewards and 4 airport lounge passes
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 months	≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2024): $200 total conservatively-valued (≈ $100) Dining credit (2025): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1600 Card fee: $799	Unlimited access to airport lounges and flexible rewards
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $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
NEW	TD^{^®} Aeroplan^{^®} Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $12k in 12 mos. (or $7.5k for lower 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 Annual fee: $0 $139	Valuable Aeroplan pts and travel benefits like free bags on AC	ends January 6^th
	American Express^{^®} Aeroplan^{^®*} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $3k in 3 mos. + $1k	≈ $570Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 20,000 pts (≈ $300) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120) Rewards: ≈ $690 Card fee: $120	Valuable Aeroplan pts without min. income and lower min. spend
	RBC Avion Visa Infinite Privilege Card Min. income (card): $200k or $200kMinimum personal income of $200,000 or minimum household income of $200,000 Min. spend (bonus): $5k 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	ends November 25^th
	American Express^{^®} Business Gold Rewards Card Card: no business required Min. spend (bonus): $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
NEW	BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $3k in 3 mos. + 8 fill-ups (optional)	≈ $475Flytrippers Valuation Welcome bonus (Miles): 3,000 pts (≈ $315) Earn on min. spend: 375 pts (≈ $39) Welcome bonus (gas discount): 27¢/L on 400L (≈ $108) Earn on fill-ups: 123 pts (≈ $13) Card fee: 1^st year free (-$0) Rewards: ≈ $475 Card fee: $0 $120	AIR MILES Miles & annual discount on flight	ends September 30^th
	American Express^{^®} Aeroplan^{^®*} Reserve Card Min. income (card): $0No minimum income required. Min. spend (bonus): $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
NEW	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $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	Versatile rewards valuable or simple great if you're flexible	ends November 25^th apply now
	Marriott Bonvoy^{^™} American Express^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $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.