Note that this is sourced from https://old.reddit.com/r/churningcanada/comments/tujfse/best_current_credit_card_offers_in_canada_updated/ and this copy may be out of date.
[2023-07-10]
Hey churners !
Here is a list of the top cards I think are worth considering.
This list is based on current offers based on sign-up bonuses and travel perks.
This is of course subjective and no card is one-size-fits-all.
Important : offers may change at anytime so make sure to always read the terms before applying.
Top tier cards currently :
- Amex Biz Platinum : $499 ; 100K MR; $10K
- Amex Biz Gold : $199, 75K MR, $5K
- Amex Platinum : $699 ; up to 90K MR; $7,500
- Amex Biz Edge : $99 ; up to 66K MR ; $5K
- Amex Cobalt : $13/month ; 32,500pts, $500/mo
- AMEX Gold pers : $250 ; up to 75Kpts ; $3,000
- AMEX Marriott pers : $120 ; 75Kpts ; up to $3K
- AMEX Marriott Biz : $150 ; 85Kpts ; $5K
- AMEX Aeroplan Reserve : $599 ; up to 95Kpts ; $12K
- AMEX Aeroplan : $120 ; up to 55Kpts ; $4,500
- BMO Eclipse Visa Inf : FYF ; 40Kpts; $3K
- BMO WE AirMiles : FYF ; 3,000 AM ; $3K
- CIBC AVENTURA Visa Inf : FYF ; 40Kpts ; $3K
- CIBC Aeroplan Visa Inf : FYF ; 30Kpts ; $4K
- HSBC WE MC : FYF ; 80Kpts ; $6K
- MBNA REWARDS WE MC : $120 ; 30Kpts ; $1K
- NBC WE MC: FYF ; 30Kpts, $3K
- RBC Avion Visa Inf : $120; 35Kpts, $0
- Scotia Momentum Visa Inf: FYF ; $200 ; $2K
- Scotia Passport Visa Inf: $150 ; 25Kpts; $1K
- TD Aeroplan Visa Inf : $139 ; 50Kpts; $5K
- TD Biz Aeroplan : FYF ; 30Kpts ; $5K
- TD FCT Visa Inf : FYF ; 100Kpts ; $5K
- TD FCT Visa Platinum : FYF ; 50Kpts ; $1K
Cards worth considering in specific situations:
- CIBC Dividend Visa Inf : FYF ; 10% up to $2K
- RBC Avion Visa Platinum : $120; 55Kpts, $5K
- RBC British Airways Visa Inf : $165 ; 50Kpts ; $6K
- RBC WestJet WE : $119 ; $250 WJ$, $1
- Scotia Amex Gold: $120; up to 40Kpts ; $1K or $7,500 ; no fx
- Tangerine MC : no fee ; $100 + $125 cashback; $1K
- TD Aeroplan Platinum : FYF ; 20K miles ; $1K
- TD Aeroplan Visa Privilege : $599 ; up to 105Kpts; $12K
- TD CashBack Visa Inf : FYF ; 10% on $2K spend
DETAILS
Amex personal platinum (awesome travel card - get it if you can meet MSR and are travelling)
- $699 AF
- $200 annual travel credit
- 80,000 MR after spending $7,500 (or 90K MR via referral)
- Earn 3MR per dollar spent on dining and 2MR/$ on travel
- Gives gold status at Marriott and Hilton
- Amex FHR
- Benefits at YYZ
- Priority Pass with unlimited entries
- Sign-up : use a referral (90k bonus) or via GCR for $150 cash back (80Kpts)
Amex Personal gold (good bonus)
- $250 AF
- $100 annual travel credit
- 45K MR after spending $3K via referral
- Extra 10K MR after making any purchase in months 14-17
- OR 60Kpts after spending $3K + 4x pts up to 15Kpts on travel via Perkopolis
- 2x on travel, gas, grocery and drugstore
- 4 passes for Plaza Premium lounges
- Sign-up : via Perkopolis or use a referral for 45Kpts or via GCR for $120 cash back and 40Kpts bonus
Amex Biz gold
- $199 AF
- 70K MR after spending $5K public offer (or via GCR)
- or 75K MR after spending $5K public via referral
- Sign-up : use a referral or via GCR for $125 cashback
Amex Biz Edge
- $99 AF
- 45K MR after spending $5K
- or 55K MR via referral after spending $5K
- promo 10x on office supplies & electronics, rides & gas, eats & drinks up to 10Kpts
- 1K MR per month after spending $3K (on-going)
- 3x on office supplies, electronics, rides & gas and eats & drinks
- Sign-up via referral (for 55Kpts bonus + 10K)
Amex Biz Platinum (highest bonus in Canada)
- $499 AF
- 100K MR after spending $10K via referral
- 90K MR after spending $10K public offer
- Gives 20K MR per referral
- Gives gold status at Marriott
- Priority Pass with unlimited entries
- 1.25x else
- Sign-up via a referral for 90Kpts bonus or via GCR for $150 cash back (80Kpts)
Amex Cobalt (best keeper card for 5x MR)
- $13/month AF
- 2,500 MR bonus each month (statement) you spend $500
- Gives 5 MR per dollar on food (grocery, restaurant, bars)
- Gives 2 MR/$ on travel, transport and gas
- Sign-up via GCR for $100 cashback or via a referral
Amex Marriott personal (good bonus and good keeper card for annual FNA)
- $120 AF
- 65K Marriott pts after spending $3K (or 70K via referral)
- 10Kpts on month 14-17
- 5x at Marriott and 2x else
- Anniversary free night (up to 35Kpts) starting year 2
- 10Kpts when giving a referral
- sign up via referral for extra 5Kpts or GCR for extra $60
Amex Marriott Biz
- $150 AF
- 75K Marriott pts after spending $5K (or 80Kpts via referral)
- 10Kpts on month 14-17
- 5x at Marriott, 3x for travel, gas and dining and 2x else
- Anniversary free night (up to 35Kpts) starting year 2
- 10Kpts when giving a referral
- Sign-up via referral for extra 5Kpts or via GCR for extra $75
Amex Aeroplan Reserve
- $599
- 45Kpts (50Kpts via referral) after spending $6K in first 3 months
- 7,5Kpts AP per months when spending $2K (first 6 months)
- 25Kpts months 14-17
- 3x AC and 2x hotels and car rentals
- 1.25x else
- MLL lounge access
- $100 Nexus credit, UberPass membership
- Sign-up via referral or via GCR for $100 cashback
Amex Aeroplan
- $120
- 35Kpts (40Kpts via referral) after spending $3K in first 6 months
- 2,500pts AP per months when spending $500 (first 6 months)
- 2x AC, 1.5x on dining and food delivery
- Free checked luggage
- Sign-up via referral for 5Kpts extra or via GCR for $60 cashback
BMO World Elite Air Miles MC
- FYF
- 3K AirMiles after spending $3K
- 15% off flights when redeeming AirMiles
BMO ASCEND WORLD ELITE (net bonus of $366 + 4 lounge passes)
- FYF
- 40Kpts (worth $266) after spending $3K
- 2,500pts each month after spending $2K for months 4 to 15
- 5x (3.35%) on travel
- 5x (3.35%) on restaurants, entertainment and recurring bills
- Visa DragonPass + 4 passes
- $100 cashback from CCG
- Promo link via Creditcardgenius
BMO ECLIPSE VISA INF (net bonus of $391)
- FYF
- 40Kpts (worth $266) after spending $3K
- 2,500pts each month after spending $2K for months 4 to 15
- $50 annual lifestyle credit
- 5x (3.35%) on grocery, restaurants, gas and transit
- $125 cashback from CCG
- Promo link via Creditcardgenius
CIBC Aeroplan Visa Inf (weak offer vs recent offers but still 30K AP for free)
- FYF
- 10Kpts after first purchase
- 20Kpts after spending $4K
- 1.5x on grocery and gas
- 15Kpts at anniversary if spending $10K
- Free check bag and preferred pricing on flights
CIBC AVENTURA VISA INF
- FYF
- 40Kpts when you spend $3K (worth $500)
- Visa Dragonpass + 4 passes
- $50 Nexus credit
- Sign-up promo link
CIBC Dividend Visa Inf
- FYF
- 10% off first $2K
- 4% on gas and grocery
- 2% on dining, transport and bills
- Save $0.10/L (first 250L), 3x Journie pts, 2 premium free car wash
- Promo link
HSBC WE MC (great card, good bonus, HSBC might be complicated to deal with)
- FYF
- 20Kpts after first spend
- 10Kpts each month you spend $1K (first 6 monhts)
- Annual $100 travel credit
- Earns 6x on travel (worth 3%)
- 4x on gas, grocery, and drugstore
- No FX
- Sign-up via GCR for $150 cashback
- QUEBEC offer : $149 AF and 110Kpts after 6 months - great deal
MBNA REWARDS WE MC (Very solid when points will be convertible to Alaska miles)
- $120 AF
- 30Kpts after spending $1K (20Kpts first purchase + 10Kpts after $1K)
- Quebec : 20Kpts, no MSR
- It was announced that MBNA points will be transferrable into Alaska Miles this fall
- 5pts/$ on restaurant, grocery, digital media, membership, and household utility purchases
- 10% bonus on the points earned last 12 months on birthday (up to 15Kpts)
- Apply via GCR for $80 cashback
NATIONAL BANK WE MC
- FYF
- 30Kpts after spending $5K (promo link)
- 10Kpts after signing for payment insurances (need to keep it 3 months)
- 30Kpts at anniversary if you spent $12K on the card during first year
- $150 in travel credits
- 5x on grocery and restaurant up to $2,500/mo then 2x
- Sign up via CCG for offer and extra $150 cashback
RBC AVION Visa Inf
- $120 annual fees
- 35Kpts at first purchase
- worth $350 in travel, in travel gift card, up to $750 in airfare or can be transferred to Avios, Asia Miles or American AAdvantage
RBC AVION Visa Plat
- $120 annual fees
- 35Kpts at approbation
- worth $350 in travel, in travel gift card, up to $750 in airfare or can be transferred to Avios, Asia Miles or American AAdvantage
RBC Bristish Airways Visa Inf
- $165 AF
- 50K Avios miles after spending $6K in 3 months
- Note that miles tend to post after a few months only
- Companion e-Voucher after spending $30K
- 10Kpts on anniversary
- Sign-up via GCR for extra $50 or via Frugal Flyer for extra $100
RBC WestJet WE MC
- $119 AF
- 250 WJ$ sat 1st purchase
- Extra 200 WJ$ if you spend $5K
- Annual companion voucher for $119+fee in North America ($399 for the rest of the world)
- Free first luggage on WJ
Scotia Amex gold Scene+ (good card)
- FYF
- 20Kpts sign-up bonus (worth $200) after spending $1K
- 20Kpts bonus after spending $7,5K
- No FX fees
- 6x at Sobeys
- 5x food and entertainment
- 3x at transit, gas and streaming
- Sign-up via GCR for extra $100
Scotia Passport Scene+ Visa Inf (good travel card)
- $150 AF
- no FX
- 25Kpts after spending $1K
- Visa Airport Companion Program + 6 passes
- 3x at Sobeys
- 2x food, entertainment and transit
- Sign-up via GCR for extra $150
Scotia Momentum Visa Inf
- FYF
- 10% off $2K
- 4% on grocery and recurring
- 2% on gas and transit
- cashback is paid once a year in November
- Sign-up via GCR for extra $110
Tangerine MC WE
- no fee
- 10% (up to $100 cashback) on first $1K
- earn 2% cashback on 3 categories
- apply via GCR ($125)
TD Aeroplan Visa Infinite
- $139 AF
- 10Kpts after first purchase
- 40Kpts after spending $5K
- 1.5x on grocery, gas and AC
- Free checked bag on AC
TD Aeroplan Visa Privilege
- $599
- 20Kpts after first pruchase
- 30Kpts per month you spend $3K for first 3 months
- 55Kpts at anniversary if you spend $12K on the card during first year
- 1.5x on grocery, gas, travel and dining
- 1.25x else
- Free check bag
- MLL access
TD Aeroplan Visa Platinum
- FYF
- 20K pts after spending $1,500
TD Biz Aeroplan
- FYF
- 30Kpts after spending $5K
- 2,500pts per month you spend $5K
TD First Class Travel Visa Inf ($500+ net bonus)
- FYF
- 100K pts after spending $5K in first 180 days
- 10% more pts at anniversary up to 10Kpts
- Annual $100 credit on Expedia4TD
- Points are worth 0.5cpp at Expedia4TD or 0.4cpp Book on your own
- 8x on TD Rewards, 6x on grocery and restaurants, 4x bills, 2x else
- Sign-up via CCG or GCR for extra $100 cash back
TD First Class Travel Visa Platinum
- FYF
- 50Kpts after spending $1K
TD CashBack Visa Inf
- FYF
- 10% on first $2K spend
- 3% on grocery and gas
- Free Deluxe TD Auto Club Membership
TD First Class Travel Visa Biz
- FYF
- 90K points after spending $5K
Cheers :)
Empathy at what my American friends are going through, and dread about our own incoming conservative wave.