Canadian Credit Card Welcome Offers This Week
Every live sign-up bonus on a card we review, valued the same way and sorted by what it is worth — with the minimum spend, the annual fee, and the end date where the issuer publishes one.
Short answer: The most valuable welcome offer on a Canadian personal card right now is the TD Aeroplan Visa Infinite Privilege Card at about $2,000 by our valuation, but it carries a $599 annual fee and a $12,000 / 180 days spend requirement. On mainstream cards, the TD Aeroplan Visa Infinite Card and CIBC Aeroplan Visa Infinite Card lead at about $1,000 each with the $139 fee rebated in year one, and the biggest offer with no annual fee at all is the CIBC Aeroplan Visa Card ($200). Three offers end within the next 30 days — see the Ending soon list.Values use MoneyMint’s point valuations · Figures checked Sep 22, 2026
All Live Offers on Personal Cards, Ranked by Estimated Value
Estimated value is the bonus at our valuation, counting any first-year fee waiver; the ongoing annual fee is shown beside it so you can judge the trade yourself. “Ongoing” means the issuer has not published an end date; those offers can still change or be withdrawn at any time. Showing 63 cards.
| # | Card and offer | Est. value | Min. spend | Annual fee | Ends |
|---|---|---|---|---|---|
| 1 | TD Aeroplan Visa Infinite Privilege CardUp to 100,000 Aeroplan points — 20,000 on your first purchase… | $2,000 | $12,000 / 180 days (full: $24,000 / 12 mo) | $599 | Ongoingchecked Sep 25 |
| 2 | American Express Aeroplan Reserve CardUp to 85,000 Aeroplan points | $1,700 | $7,500 / 3 months | $599 | Ongoingchecked Sep 25 |
| 3 | American Express Platinum CardUp to 100,000 Membership Rewards points… | $1,700 | $10,000 / 3 months | $799 | Ongoingchecked Sep 25 |
| 4 | RBC Avion Visa Infinite PrivilegeUp to 100,000 Avion points plus 6 airport lounge passes | $1,600 | $5,000 / 6 months | $399 | Nov 25, 2026checked Oct 15 |
| 5 | BMO eclipse Visa Infinite Privilege CardUp to 200,000 BMO Rewards points | $1,340 | Tiered; see terms | $599 | Ongoingchecked Sep 25 |
| 6 | RBC Avion Visa PlatinumUp to 70,000 Avion points: 35,000 on approval + 20,000 after $5,000 spend in 6 months… | $1,120 | $5,000 / 6 months | $120 | Nov 25, 2026checked Sep 25 |
| 7 | RBC Avion Visa InfiniteUp to 70,000 Avion points — 35,000 on approval… | $1,120 | $5,000 / 6 months | $120 | Nov 25, 2026checked Sep 25 |
| 8 | BMO VIPorter World Elite MastercardUp to 70,000 VIPorter points in tiers (20,000 after $5,000/110 days; | $1,050 | $5,000 / 110 days (full: $18,000 / 12 mo) | $199waived year 1 | Oct 31, 2027checked Sep 25 |
| 9 | American Express Gold Rewards CardUp to 60,000 Membership Rewards points | $1,020 | $1,000 / month for 12 months | $250 | Ongoingchecked Sep 25 |
| 10 | CIBC Aeroplan Visa Infinite CardUp to 50,000 Aeroplan points ("up to $1,300 value")… | $1,000 | $6,000 / 6 statements (full: $12,000 / 12 mo) | $139rebated year 1 | Ongoingchecked Aug 17 |
| 11 | TD Aeroplan Visa Infinite CardUp to 50,000 Aeroplan points — 10,000 on your first purchase… | $1,000 | $3,000 / 90 days (full: $12,000 / 12 mo) | $139rebated year 1 | Ongoingchecked Sep 10 |
| 12 | Scotiabank Platinum American Express CardUp to 100,000 bonus Scene+ points for accounts opened July 2 – November 1, 2026… | $1,000 | Tiered over 14 months | $399 | Nov 1, 2026checked Sep 25 |
| 13 | CIBC Aventura Visa Infinite Privilege CardUp to 80,000 Aventura points (25,000 + 25,000… | $960 | Tiered; see terms | $499 | Ongoingchecked Sep 25 |
| 14 | American Express Aeroplan CardUp to 45,000 Aeroplan points | $900 | $7,500 / 6 months | $120 | Ongoingchecked Sep 25 |
| 15 | RBC British Airways Visa Infinite50,000 bonus Avios after spending $6,000 in the first 90 days… | $850 | $6,000 / 90 days | $165 | Ongoingchecked Sep 25 |
| 16 | TD First Class Travel Visa Infinite CardUp to 160,000 TD Rewards Points (TD states a $1,400 value)… | $800 | $7,500 / 180 days | $139rebated year 1 | Ongoingchecked Sep 25 |
| 17 | Scotiabank Passport Visa Infinite PrivilegeUp to 80,000 Scene+ points over 14 months… | $800 | $3,000 / 3 months (full: $23,000 / 6 mo) | $599 | Nov 1, 2026checked Sep 25 |
| 18 | CIBC Aventura Visa Infinite CardUp to 60,000 Aventura Points (CIBC states up to $1,900 in value)… | $720 | $5,000 / 4 statements | $139rebated year 1 | Ongoingchecked Sep 25 |
| 19 | WestJet RBC World Elite MastercardUp to 70,000 WestJet points (~$700 value) | $700 | $5,000 / 3 months | $139 | Ongoingchecked Sep 25 |
| 20 | BMO Blue Rewards World Elite MastercardUp to 100,000 BMO Blue Rewards points + $200 NEXUS statement credit in year one | $670 | $5,000 / 110 days (full: $20,000 / 12 mo) | $150rebated year 1 | Oct 31, 2026checked Sep 25 |
| 21 | BMO Ascend World Elite MastercardUp to 115,000 BMO Rewards points (60,000 after $5,000 spend in 110 days; | $770 | $5,000 / 110 days (full: $20,000 / 12 mo) | $150waived year 1 | Dec 7, 2026checked Sep 25 |
| 22 | BMO CashBack World Elite MastercardUp to $650 in value: $40 bonus cash back per month (up to $480/year) when you spend $2,000+…BMO’s "up to $650" includes the $139 fee waiver. | $650 | $2,000 / month | $139waived year 1 | Ongoingchecked Sep 25 |
| 23 | Marriott Bonvoy American Express CardUp to 70,000 Marriott Bonvoy points | $630 | $3,000 / 3 months (+$500 in month 13) | $120 | Ongoingchecked Sep 25 |
| 24 | BMO VIPorter MastercardUp to 40,000 VIPorter points — 10,000 after spending $3,000 in the first 110 days… | $600 | $3,000 / 110 days | $89waived year 1 | Oct 31, 2026checked Sep 25 |
| 25 | Tangerine Rewards World Elite MastercardUp to $600 in bonus Scene+ points: 50,000 pts ($5,000 spend/90 days) + 10,000 at $30,000/yr… | $600 | $5,000 / 90 days | $120 | Jan 31, 2027checked Sep 25 |
| 26 | TD Cash Back Visa Infinite CardUp to $600 in total value: 10% Cash Back Dollars in the first 3 months on up to $3,500 in… | $600 | $3,500 / 3 months (to max the bonus) | $139rebated year 1 | Ongoingchecked Sep 25 |
| 27 | Scotiabank Gold American Express CardUp to 50,000 Scene+ points (Scotiabank promotes up to $950 in first-year value)… | $500 | $2,000 / 3 months (full: $7,500 / 12 mo) | $120 | Nov 1, 2026checked Sep 25 |
| 28 | BMO eclipse Visa Infinite CardUp to 70,000 BMO Rewards points | $469 | See terms | $120waived year 1 | Ongoingchecked Sep 25 |
| 29 | TD Aeroplan Visa Platinum CardUp to 20,000 Aeroplan points: 10,000 on first purchase… | $400 | $1,500 / 90 days | $89rebated year 1 | Ongoingchecked Sep 25 |
| 30 | Scotiabank Passport Visa Infinite+ Card25,000 bonus Scene+ points for spending $2,000+ in eligible purchases within the first 3… | $350 | $2,000 / 3 months | $150 | Nov 1, 2026checked Sep 25 |
| 31 | MBNA Rewards World Elite MastercardUp to 30,000 MBNA Rewards points | $300 | $2,000 / 90 days | $120 | Ongoingchecked Sep 25 |
| 32 | Scotia Momentum Visa Infinite + Card15% cash back on purchases for the first 3 months, up to $2,000 spend (max $300 bonus)… | $300 | $2,000 / 3 months | $120waived year 1 | Nov 1, 2026checked Sep 25 |
| 33 | Wealthsimple Credit Card5% Cash Back Welcome Offer (an extra 3% Boost on top of the base 2%) on the first $10,000…By invitation only; Visa Infinite+ and Privilege tiers. | $300 | $10,000 / 30 days | $240 | Ongoingchecked Sep 25 |
| 34 | RBC Cash Back Preferred World Elite Mastercard15% extra cash back for the first 3 months on up to $2,000 in purchases (up to $300) | $300 | $2,000 / 3 months | $120 | Feb 2, 2027checked Oct 1 |
| 35 | American Express Cobalt CardUp to 15,000 Membership Rewards points… | $255 | $750 / month for 12 months | $191.88 (monthly) | Ongoingchecked Sep 25 |
| 36 | TD Platinum Travel Visa CardUp to 50,000 TD Rewards Points + first-year annual fee rebate | $250 | See terms | $89rebated year 1 | Ongoingchecked Sep 25 |
| 37 | American Express SimplyCash Preferred CardUp to $250 in bonus value: up to $200 in bonus cash back (extra 10% cash back on all… | $250 | $2,000 / 3 months | $119.88 (monthly) | Ongoingchecked Sep 25 |
| 38 | CIBC Aeroplan Visa CardUp to 10,000 Aeroplan points (CIBC-stated value up to $200) | $200 | $1,500 / 4 statements | $0 | Ongoingchecked Sep 25 |
| 39 | CIBC Dividend Visa Infinite Card10% cash back bonus (up to $200) on the first 4 statement periods, on up to $2,000 in purchases… | $200 | $2,000 / 4 statements | $120rebated year 1 | Ongoingchecked Sep 25 |
| 40 | RBC ION+ VisaUp to 28,000 Avion points: 7,000 on approval + 14,000 after $1,500 spend in 6 months… | $200 | $1,500 / 6 months | $48 | Nov 4, 2026checked Sep 25 |
| 41 | American Express Green Card10,000 Membership Rewards points after $1,000 in purchases in the first 3 months | $170 | $1,000 / 3 months | $0 | Ongoingchecked Sep 25 |
| 42 | PC Insiders World Elite MastercardFirst-year annual fee waived plus 50,000 PC Optimum points ($50 in bonus welcome points) | $170 | See terms | $120waived year 1 | Ongoingchecked Sep 25 |
| 43 | WestJet RBC MastercardUp to 15,000 WestJet points: 5,000 on first purchase… | $150 | $1,000 / 3 months | $39 | Nov 3, 2026checked Sep 25 |
| 44 | BMO eclipse rise Visa Card20,000 BMO Rewards points after spending $1,500 in the first 3 months… | $134 | $1,500 / 3 months | $0 | Oct 31, 2026checked Sep 25 |
| 45 | BMO Blue Rewards Mastercard20,000 Blue Points | $134 | $1,500 / 110 days | $0 | Oct 31, 2026checked Sep 25 |
| 46 | BMO CashBack Mastercard for Students5% cash back on your first $2,500 in purchases in the first 3 months, up to $125 | $125 | Up to $2,500 / 3 months | $0 | Oct 31, 2027checked Sep 25 |
| 47 | BMO CashBack MastercardUp to 5% cash back in the first 3 months…BMO lists a window ending Oct 31, 2026 that has been renewed before. | $125 | About $1,000 / 3 months | $0 | Oct 31, 2026checked Sep 25 |
| 48 | Tangerine Money-Back World Mastercard$120 cash back after at least $1,500 in total Net Purchases within the 90-day promotional… | $120 | $1,500 / 90 days | $0 | Nov 30, 2026checked Sep 25 |
| 49 | MBNA Rewards Platinum Plus MastercardUp to 10,000 MBNA Rewards points | $100 | $500 / 90 days | $0 | Ongoingchecked Sep 25 |
| 50 | American Express SimplyCash Card5% cash back on all purchases for the first 3 months… | $100 | $2,000 / 3 months | $0 | Ongoingchecked Sep 25 |
| 51 | Scotia Momentum No-Fee Visa Card5% cash back on all purchases for the first 3 months (on up to $2,000 in purchases… | $100 | $2,000 / 3 months | $0 | Ongoingchecked Sep 25 |
| 52 | Scotiabank American Express CardUp to 10,000 Scene+ points within the first 3 months… | $100 | $1,000 / 3 months | $0 | Nov 1, 2026checked Sep 25 |
| 53 | Simplii Financial Cash Back Visa CardUp to $100 cash back in the first 3 months… | $100 | $500 / 3 months | $0 | Ongoingchecked Sep 25 |
| 54 | Tangerine Money-Back Mastercard10% cash back for the first 2 months, up to $100 | $100 | $1,000 / 60 days | $0 | Nov 30, 2026checked Sep 25 |
| 55 | RBC Cash Back Mastercard5% extra cash back for the first 6 months on up to $2,000 in purchases (up to $100) | $100 | $2,000 / 6 months | $0 | Feb 2, 2027checked Oct 1 |
| 56 | RBC ION VisaUp to 14,000 Avion points — 7,000 on approval plus 7,000 after $500 in purchases within 3… | $100 | $500 / 3 months | $0 | Nov 4, 2026checked Sep 25 |
| 57 | CIBC U.S. Dollar Aventura Gold Visa CardUp to 2,500 Aventura points, 500 for each of five actions completed within 60 days of approval… | $65 | See terms | $35rebated year 1 | Ongoingchecked Sep 25 |
| 58 | PC World Mastercard50,000 PC Optimum points after spending $100 or more at participating stores within 60 days… | $50 | $100 / 60 days | $0 | Ongoingchecked Sep 25 |
| 59 | Scotiabank Scene+ Visa CardUp to 5,000 bonus Scene+ points within the first 3 months | $50 | $1,250 / 3 months | $0 | Ongoingchecked Sep 25 |
| 60 | TD Rewards Visa15,152 TD Rewards Points (TD states a $50 Amazon.ca value) after spending $500 in the first… | $50 | $500 / 90 days | $0 | Ongoingchecked Sep 25 |
| 61 | PC Financial Mastercard50,000 PC Optimum points after spending $100 or more at participating stores within 60 days… | $50 | $100 / 60 days | $0 | Ongoingchecked Sep 25 |
| 62 | moi RBC VisaUp to 5,000 bonus Moi points: 3,000 after first purchase… | $40 | $500 / 3 months | $0 | Jan 20, 2027checked Sep 25 |
| 63 | Walmart Rewards Mastercard$25 in reward dollars after a single purchase of $75 or more at Walmart within the first 30…Fairstone and walmart.ca disagree on whether a $75 spend is required. | $25 | Sources conflict ($0–$75) | $0 | Ongoingchecked Sep 25 |
Introductory Rate Offers (No Cash or Points Bonus)
Cards whose only welcome incentive is a promotional interest rate — mainly balance-transfer cards. See our balance transfer ranking for how to use them.
| Card | Offer | Annual fee | Ends | Verified |
|---|---|---|---|---|
| MBNA True Line MastercardMBNA | None — 0% promotional interest rate for 12 months on balance transfers completed within 90 days of account opening | $0 | Ongoing | Aug 25, 2026 |
| Scotia Momentum MastercardScotiabank | 7.99% introductory purchase APR for the first 6 months | $0 | Ongoing | Aug 18, 2026 |
| RBC Visa Classic Low Rate OptionRBC | 0.99% introductory interest rate for the first 10 months on balance transfers, plus no annual fee for the first year | $20 Waived yr 1 | Nov 4, 2026 | Oct 1, 2026 |
| TD Low Rate Visa CardTD | 0% promotional interest rate on purchases for the first 6 months from account opening, plus a first-year annual fee rebate | $25 Rebated yr 1 | Ongoing | Aug 25, 2026 |
| BMO Preferred Rate MastercardBMO | 0% on balance transfers for 18 statement periods from account opening (3% transfer fee) plus first-year annual fee refund, for applications from September 15, 2026 (checked… | $29 | Ongoing | Aug 18, 2026 |
| CIBC Select Visa CardCIBC | First-year annual fee rebate plus 0% interest for up to 10 months on balance transfers of $100 or more, with a 1% transfer fee | $29 Rebated yr 1 | Ongoing | Aug 18, 2026 |
| Scotiabank Value Visa CardScotiabank | First-year annual fee waiver for the primary cardholder ($29), plus a 0% introductory interest rate on balance transfers for the first 9 months | $29 Waived yr 1 | Jan 3, 2027 | Sep 10, 2026 |
| Scotia Momentum Visa CardScotiabank | 0.99% introductory interest rate on balance transfers for the first 9 months (2% balance transfer fee applies) | $49 | Jan 3, 2027 | Aug 18, 2026 |
Business Cards
Ranked the same way. Business offers usually require much higher spend.
| # | Card and offer | Est. value | Min. spend | Annual fee | Ends |
|---|---|---|---|---|---|
| 1 | American Express Business Platinum CardUp to 120,000 Membership Rewards points | $2,040 | $15,000 / 3 months | $799 | Ongoingchecked Sep 25 |
| 2 | American Express Aeroplan Business Reserve CardUp to 90,000 Aeroplan points | $1,800 | $10,500 / 3 months | $599 | Ongoingchecked Sep 25 |
| 3 | TD Aeroplan Visa Business CardUp to 60,000 Aeroplan points: 10,000 on your first purchase… | $1,200 | $15,000 / 180 days | $149rebated year 1 | Ongoingchecked Sep 25 |
| 4 | American Express Business Gold Rewards CardUp to 70,000 Membership Rewards points | $1,190 | $7,500 / 3 months | $199 | Ongoingchecked Sep 25 |
| 5 | RBC Avion Visa Infinite Business CardUp to 100,000 Avion points — 25,000 on approval, 20,000 on your first purchase… | $1,175 | $5,000 / 3 months | $175waived year 1 | Nov 30, 2026checked Sep 25 |
| 6 | BMO Ascend World Elite Business MastercardUp to 150,000 bonus points in three tiers: 50,000 points after $10,000 spend in 110 days; | $1,005 | $10,000 / 110 days | $175waived year 1 | Jun 2, 2027checked Sep 25 |
| 7 | TD Business Travel Visa CardUp to $1,300 in value, including up to 200,000 TD Rewards points and the first-year annual… | $1,000 | See terms | $149rebated year 1 | Ongoingchecked Sep 25 |
| 8 | WestJet RBC World Elite Mastercard for BusinessUp to 100,000 WestJet points — 45,000 on your first purchase… | $1,000 | $5,000 / 3 months | $175 | Nov 30, 2026checked Sep 25 |
| 9 | Marriott Bonvoy Business American Express CardUp to 80,000 Marriott Bonvoy points | $720 | $5,000 / 3 months (+$1,000 in month 13) | $150 | Ongoingchecked Sep 25 |
| 10 | Scotiabank Passport Visa Infinite Business CardUp to 40,000 Scene+ points (30,000 points after $5,000 in purchases in the first 3 months… | $400 | $5,000 / 3 months | $199waived year 1 | Oct 31, 2026checked Sep 25 |
| 11 | Scotia Momentum for business Visa Card5% cash back on up to $6,500 in eligible purchases for the first 3 months… | $325 | See terms | $79 | Oct 31, 2026checked Oct 15 |
| 12 | RBC Avion Visa Business Card35,000 RBC Avion points on approval, plus the first-year annual fee waived… | $320 | On approval | $120waived year 1 | Ongoingchecked Sep 25 |
| 13 | Scotia Momentum for business No Fee Visa Card10% cash back on up to $1,500 in eligible purchases for the first 3 months, worth up to $150 | $150 | See terms | $0 | Ongoingchecked Sep 25 |
| 14 | BMO CashBack Business Mastercard10% cash back on gas, office supplies… | $150 | $1,500 / 3 cycles | $0 | Ongoingchecked Sep 25 |
Cards With No Welcome Offer Right Now
23 cards we review currently advertise no sign-up bonus. Several of these run limited-time offers periodically; they move here when one appears.
- BMO U.S. Dollar Mastercard
- Canadian Tire Triangle Mastercard
- CIBC Costco Mastercard
- Desjardins Odyssey Visa Infinite Privilege Card
- Home Trust Preferred Visa Card
- Home Trust Secured Visa
- Meridian Visa Infinite Travel Rewards Card
- National Bank ECHO Cashback Mastercard
- National Bank World Elite Mastercard
- Neo Mastercard
- Neo World Elite Mastercard
- Neo World Mastercard – Gas & Grocery
- Neo World Mastercard – Shop & Dine
- RBC U.S. Dollar Visa Gold
- RBC Visa Platinum
- Rogers Red Mastercard
- Rogers Red World Elite Mastercard
- Rogers Red World Legend Mastercard
- Scotiabank U.S. Dollar Visa Card
- TD Cash Back Visa Card
- TD U.S. Dollar Visa Card
- Triangle World Elite Mastercard
Common Questions
Which Credit Card Has the Biggest Welcome Bonus in Canada Right Now?
As of September 22, 2026, the most valuable welcome offer on a Canadian personal card is the TD Aeroplan Visa Infinite Privilege Card, worth about $2,000 by MoneyMint’s valuation, though it carries a $599 annual fee and requires $12,000 in spending within 180 days. Among mainstream cards, the TD Aeroplan Visa Infinite Card and CIBC Aeroplan Visa Infinite Card lead at roughly $1,000 each, with the $139 annual fee rebated in the first year.
What Is the Best No-Annual-Fee Credit Card Welcome Offer in Canada?
In our table, the largest welcome bonus on a card with no annual fee is the CIBC Aeroplan Visa Card, worth about $200 by MoneyMint’s valuation. No-fee offers are smaller than premium-card offers, but there is no fee to recover, so the full bonus is yours to keep.
How Do You Calculate the Value of a Welcome Bonus?
Cash bonuses are counted at face value. Points bonuses are converted to dollars using MoneyMint’s own point valuations (for example, Aeroplan at 2.0 cents per point and Scene+ at 1.0 cent), which you can see on our points value calculator. The value shown is the bonus alone; the annual fee is listed separately, with first-year waivers or rebates noted, so you can judge the net benefit for yourself.
How Often Are These Welcome Offers Updated?
Every offer is checked at least weekly against the issuer’s own page, and the date of the last check is shown at the top of the page. The countdowns update daily. If an offer passes its published end date before we have re-verified it, the table marks it “Ended — being verified” rather than showing it as live.
Can I Get a Welcome Bonus if I Have Had the Card Before?
Usually not. Most Canadian issuers limit welcome bonuses to new cardholders, and some, including American Express, exclude anyone who has previously held the card or, in some cases, any card in the same family. Look-back periods and exclusions vary by issuer and by offer, so read the offer terms before applying.
How We Value an Offer
Points are converted to dollars using MoneyMint’s own point valuations — the same ones behind the MoneyMint Score (full list on our points value calculator); cash back is counted at face value. A first-year fee waiver or rebate is counted as value and tagged in the fee column; the ongoing annual fee is never netted out, so a big bonus on a $599 card still shows the $599.
Minimum spend is the issuer’s stated requirement to earn the first tier of the bonus; where the full bonus needs more, the full figure is shown in brackets. “See terms” means the bonus is tiered or conditional in a way that does not reduce to one number.
How This Page Stays Current
An automated check reads the issuer page of every offer with a published end date each morning, and sweeps every card we review on a five-week rotation each Monday. When a change is confirmed, the card record is updated and this table is regenerated in the same pass.
American Express pages cannot be read automatically, so Amex rows show the date a person last checked them in a browser.
Offers change without notice and issuers may end them early. Always confirm the current terms on the issuer’s application page before applying. MoneyMint may earn a commission if you apply through some links on this site; that does not affect how offers are valued or ranked. This page is general information, not financial advice.