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The best credit card offers right now

Best credit card offers (December 2023)		WELCOME BONUS ( VALUATION)	Best for
ENDING	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.	≈ $780Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 25,000 pts (≈ $375) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 15,000 pts (≈ $225) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): first year free(-$0) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $780 Card fee: $0 $139	Valuable Aeroplan pts and travel benefits $5k spend option also available	ends January 3rd
Best	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $750/mo for 12 mos.	≈ $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
	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.	$725Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 95,000 pts ($475) 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: $725 Card fee: $0 $139	Highest offer for SIMPLE points and 1st year free	ends January 3rd
	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 3 mos.	≈ $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 (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $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^® 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
	RBC^® British Airways Visa Infinite^‡ Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $6k in 3 mos.	≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165) Rewards: ≈ $840 Card fee: $165	Great airline rewards for big spenders	limited time
6% rate	Scotiabank Gold American Express^® Card Card: $0 minimum income requiredNo minimum income required. 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
NEW	WestJet RBC 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.	$556Flytrippers Valuation Welcome bonus (after 1st purchase): 300 WestJet dollars ($300) Welcome bonus (after min. spend): 300 WestJet dollars ($300) Earn on min. spend: 75 WestJet dollars ($75) Card fee: deducted (-$119) Additional companion ticket and renewal bonus also offered (not included in Flytrippers Valuation) Rewards: $675 Card fee: $119	Companion ticket or 4 lounge passes	ends March 14th
	American Express^® Aeroplan^®* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 10 mos.	≈ $510Flytrippers Valuation Monthly bonuses (6 mos.): 30,000 pts (≈ $450) Earn on min. spend: 10,000 pts (≈ $150) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Card fee (year 2): deducted (-$120) Rewards: ≈ $630 Card fee: $120	Valuable Aeroplan pts without min. income and lower min. spend
	RBC Avion Visa Infinite Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: on approval (no min. spend)	≈ $405Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Card fee: deducted (-$120) Rewards: ≈ $525 Card fee: $120	Versatile rewards valuable or simple great if you're flexible	ends January 21st
	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
	TD Cash Back Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $3.5k in 3 mos.	$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0) Rewards: $350 Card fee: $0 $139	Highest ever cash back bonus ever seen in Canada	ends March 4th
	American Express^® Aeroplan^®* Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $2k/mo for 6 mos.	≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation) Rewards: ≈ $900 Card fee: $599	For Air Canada lounge access & other AC benefits
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 (December 2023)
ENDING 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 January 3rd
≈ $780Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 25,000 pts (≈ $375) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 15,000 pts (≈ $225) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): first year free(-$0) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $780
Card fee: $0 $139
Best for: Valuable Aeroplan pts and travel benefits $5k spend option also available
Best American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $750/mo for 12 mos.
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
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 January 3rd
$725Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 95,000 pts ($475) 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: $725
Card fee: $0 $139
Best for: Highest offer for SIMPLE points and 1st year free
Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 3 mos.
WELCOME BONUS
≈ $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 (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $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^® 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
RBC^® British Airways Visa Infinite^‡
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $6k in 3 mos.
WELCOME BONUS	limited time
≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165)
Rewards: ≈ $840
Card fee: $165
Best for: Great airline rewards for big spenders
6% rate Scotiabank Gold American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS
$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
NEW WestJet RBC 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 March 14th
$556Flytrippers Valuation Welcome bonus (after 1st purchase): 300 WestJet dollars ($300) Welcome bonus (after min. spend): 300 WestJet dollars ($300) Earn on min. spend: 75 WestJet dollars ($75) Card fee: deducted (-$119) Additional companion ticket and renewal bonus also offered (not included in Flytrippers Valuation)
Rewards: $675
Card fee: $119
Best for: Companion ticket or 4 lounge passes
American Express^® Aeroplan^®* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 10 mos.
WELCOME BONUS
≈ $510Flytrippers Valuation Monthly bonuses (6 mos.): 30,000 pts (≈ $450) Earn on min. spend: 10,000 pts (≈ $150) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Card fee (year 2): deducted (-$120)
Rewards: ≈ $630
Card fee: $120
Best for: Valuable Aeroplan pts without min. income and lower min. spend
RBC Avion Visa Infinite Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: on approval (no min. spend)
WELCOME BONUS	ends January 21st
≈ $405Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Card fee: deducted (-$120)
Rewards: ≈ $525
Card fee: $120
Best for: Versatile rewards valuable or simple great if you're flexible
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
TD Cash Back Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $3.5k in 3 mos.
WELCOME BONUS	ends March 4th
$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0)
Rewards: $350
Card fee: $0 $139
Best for: Highest ever cash back bonus ever seen in Canada
American Express^® Aeroplan^®* Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $2k/mo for 6 mos.
WELCOME BONUS
≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation)
Rewards: ≈ $900
Card fee: $599
Best for: For Air Canada lounge access & other AC benefits
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.

Webinar guide

The best credit card offers right now

Concrete examples of rewards you can get

18 good uses of Aeroplan points

11 good uses of Avios points

34 good uses of American Express points (Amex points)

15 good uses of RBC Avion Rewards points

12 good uses of HSBC Rewards points

5 countries where you can get 17 free nights with Marriott

Links to the content we will talked about

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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