Best Credit Card Sign-up Bonuses

Best credit card offers in Canada for June 2025

Fact checked by Scott Birke

Updated Jun 2, 2025

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Top 3 credit card offers and welcome bonuses

Taking advantage of top credit card promotions and welcome offers can give you bulk bonus points, sky-high cash back levels, or accelerated rewards earning rates.

Top credit card offers in Canada, in alphabetical order

Every month, Money.ca’s credit card experts analyze and compare the best credit card offers, top sign-up bonuses and most valuable welcome deals in Canada, helping you confidently pick the right card. For more, read our expert-curated best credit cards Canada list to discover our gold, silver and bronze winners in all major categories. To compare all Canadian card offers, use our new credit card comparison tool.

Card

Welcome Offer

  • Why you can trust Money.ca's top credit card deals in Canada list

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    Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours.

    Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology.

🏅 Gold: TD Aeroplan Visa Infinite Privilege

Welcome Bonus: Earn up to $3,000 in value† including up to 85,000 Aeroplan points†. Conditions Apply. Offer effective as of January 7, 2025.

On TD'sSecure Site

Get this card if you...

  • want exclusive travel perks like lounge access
  • want to maximize your Aeroplan points with great offers
  • want comprehensive travel insurance to ensure peace of mind

  • The TD Aeroplan Visa Infinite Privilege card offers a massive Aeroplan point sign-up bonus, one of the largest in Canada, making it our top choice for the Welcome Bonus category.
  • The welcome bonus alone delivers a huge first-year value maximizing immediate travel rewards for those looking to book their dream vacation.
  • New cardholders can easily unlock premium Aeroplan perks like priority check-in, priority boarding and preferred pricing on flight redemptions.
  • This card is designed for travelers who want to supercharge their Aeroplan balance right from the start.
  • As last year’s winner, it continues to stand out for offering one of the richest welcome packages among premium travel cards.

Disclosures:

  • †Terms and conditions apply.

    This offer is not available to residents of Quebec.

    The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.

🥈Silver: The Platinum Card

Welcome Bonus: Earn up to 180,000 Membership Rewards® points* - that’s up to $1,800 towards a weekend away. Expires Aug 18, 2025

On American Express'Secure Site

Get this card if you...

  • are a frequent traveler who wants luxury perks like lounge access
  • want to rack up rewards quickly
  • want great travel insurance, perks and concierge services

  • The Platinum Card by American Express boasts a massive welcome bonus, offering huge upfront value for new cardholders.
  • The sign-up bonus can be redeemed for premium travel, luxury hotel stays and flexible rewards through the Amex Membership Rewards program.
  • Combined with statement credits and travel perks, the welcome bonus dramatically boosts first-year value.
  • This card is ideal for high-end travelers looking to unlock big rewards and exclusive access right from day one.
  • While everyday earn rates are modest, the initial sign-up package makes it a compelling choice for maximizing welcome bonus value.

Disclosures:

Contact American Express for the most up-to-date referral bonus figures.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

🥉 Bronze: BMO VIPorter World Elite Mastercard

Welcome Bonus: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Expires Jan 31, 2026

On BMO'sSecure Site

Get this card if you...

  • want an annual companion pass
  • want instant elite status in VIPorter
  • hate middle seats and are looking for a refreshing new way to fly

  • The BMO VIPorter World Elite Mastercard offers a lucrative welcome bonus, delivering exceptional upfront value for new cardholders. The sign-up offer is one of the best among airline-specific cards.
  • The welcome package includes a companion fare and access to VIPorter perks, amplifying the initial benefits for frequent Porter flyers. 
  • As a new card on the market, it’s quickly become a top pick for travelers focused on maximizing welcome bonuses and airline perks.

Disclosures:

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Top Amex welcome bonus credit card in Canada for travelers

Welcome Bonus: Earn up to 40,000 Aeroplan®* points*.

On American Express'Secure Site

Get this card if you...

  • fly with Air Canada and want bonus Aeroplan points
  • want comprehensive travel insurance to ensure peace of mind
  • need flexible points that can be redeemed for a great rewards

  • The American Express Aeroplan Card offers a generous welcome bonus, giving new cardholders a fast track to earning Aeroplan points.
  • New users can redeem the welcome points for flights, upgrades, and travel rewards through Air Canada and Aeroplan partners.
  • This card also comes comprehensive travel insurance coverage, which is a must for frequent travelers. 

Disclosures:

  • Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.


     

Best welcome bonus for credit card balance transfers

Welcome Bonus: Get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening.

On MBNA Credit Cards'Secure Site

Get this card if you...

  • want a low interest rate with no annual fee
  • value extended warranty and purchase protection
  • want to pay down existing credit card debt

  • The MBNA True Line Mastercard offers a competitive balance transfer welcome offer, making it ideal for those looking to pay down existing credit card debt.
  • New cardholders can easily take advantage of an introductory interest rate on balance transfers for a set period.
  • While this card does not offer a points or cashback welcome bonus, the balance transfer savings can add up to hundreds of dollars in interest saved.
  • It’s a smart choice for budget-conscious users seeking to consolidate debt and benefit from a strong introductory balance transfer offer.

Disclosures:

  • †, ✪, Terms and Conditions apply.

    This offer is not available for residents of Quebec. For residents of Quebec, please click here.

    Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

    The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.

Best BMO credit card offers

Welcome Bonus: Get up to $335 in additional cash back including 10% cash back in your first 3 months.† Plus, the $120 annual fee is waived in the first year.† Expires Jan 31, 2026

On BMO'sSecure Site

Get this card if you...

  • are a high-earner looking to earn cash back
  • want great perks like travel insurance and concierge services
  • value a great welcome offer

  • The BMO CashBack World Elite Mastercard offers a high-value welcome bonus,  giving you a great cash back incentive within the first few months.
  • New cardholders can enjoy high cash back rates on eligible purchases, significantly enhancing first-year rewards.

Disclosures:

  • *Terms and conditions apply.
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Top credit card offers from CIBC for cash back

Welcome Bonus: Earn 10% cash back for the first 4 statements on net purchases of up to $2,000.† Plus, get a first-year annual fee rebate for you and up to three Authorized Users.†

On CIBC'sSecure Site

Get this card if you...

  • want high cash back rates on groceries, gas and recurring bills
  • value comprehensive insurance benefits
  • value a great welcome offer

  • The CIBC Dividend® Visa Infinite® Card welcome bonus significantly boosts your first-year value, helping you maximize rewards on your regular spending.
  • Alongside the cash back sign-up offer, the CIBC Dividend® Visa Infinite® Card provides premium Visa Infinite perks, including travel insurance, purchase protection, and exclusive entertainment access.
  • This makes it a top pick for families and big spenders who want a high-earning cash back credit card with a generous welcome bonus and premium benefits.

Disclosures:

  • †Terms and Conditions Apply. This offer is not available for the residents of Quebec.
  • The information for the CIBC Dividend® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.

CIBC credit card offers for travel

Welcome Bonus: Get up to $1,350 in value, including up to 35,000 Aventura Points.†

On CIBC'sSecure Site

Get this card if you...

  • want to accelerate earning Aventura points
  • want comprehensive travel insurance coverage
  • want lounge access and a NEXUS rebate

  • The CIBC Aventura® Visa Infinite® Card offers a generous welcome bonus, allowing you to jumpstart your travel rewards redemption.
  • Easily redeem your points for free flights, hotels, vacation packages, or merchandise through the flexible CIBC Rewards program.
  • This card includes premium travel benefits like airport lounge access, comprehensive travel insurance and exclusive Visa Infinite privileges.

Disclosures:

  • †Terms and Conditions Apply. This offer is not available for residents of Quebec.
  • The information for the CIBC Aventura® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.

Top credit card offers from American Express

Welcome Bonus: Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value.

On American Express'Secure Site

Get this card if you...

  • quickly rack up rewards on dining and grocery purchases
  • want a flexible rewards program with travel rewards
  • want access to exclusive events and robust travel insurance

  • The American Express® Cobalt® Card is a popular pick because it comes with a generous welcome bonus and a high earn rate for everyday spending categories.
  • This combination delivers strong first-year value, making this card stand out among premium rewards options.
  • Points earned can be flexibly redeemed for travel, statement credits, merchandise, gift cards, or even transferred to airline and hotel partners for added value.
  • This card is an excellent choice for millennials, urban professionals and food lovers who want a premium rewards credit card that delivers big returns on everyday spending.

Disclosures:

  • Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Best Amex offer with no annual fee

Welcome Bonus: Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*

On American Express'Secure Site

Get this card if you...

  • want rewards without paying an annual fee
  • want to earn points on everyday spending
  • want a flexible rewards program with exclusive perks

  • The Amex Green Card is a great entry-level credit card for those looking to join the American Express family and start enjoying flexible rewards, valuable perks, and reliable service.
  • The welcome bonus significantly enhances the first-year value, helping users quickly accumulate points that can be redeemed for travel, statement credits, or merchandise.
  • This card also offers access to popular Amex perks such as Front Of The Line® entertainment access, travel insurance coverage, and purchase protection benefits.

Disclosures:

  • Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Top credit card offers from Scotiabank

Welcome Bonus: Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points*. Expires Jul 01, 2025

On Scotiabank'sSecure Site

Get this card if you...

  • travel often and want premium travel perks like lounge access
  • want to avoid paying foreign exchange fees
  • appreciate a good welcome offer

  • The Scotiabank Passport® Visa Infinite® Card welcome offer delivers excellent first-year value, especially when redeemed for travel, helping you instantly save money on flights, hotels, and vacation bookings.
  • One of the card’s standout features is that it charges no foreign transaction fees, making the welcome bonus even more valuable for frequent travelers who shop abroad or online in other currencies.
  • In addition to the bonus points, you can enjoy premium travel benefits such as airport lounge access through the Visa Airport Companion Program, comprehensive travel insurance, and rental car coverage.
  • This card is an ideal choice for frequent flyers and international shoppers looking for a high-value travel rewards credit card with a lucrative welcome bonus and top-tier travel perks.

Disclosures:

  • Rates, fees and other information are effective as of January 3, 2025. Subject to change.

    Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.

    *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply. BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

FAQs: Credit card welcome bonus and sign-up offers explained

  • How do I get a credit card welcome bonus?

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    You won’t necessarily get a credit card welcome bonus just for signing up. Often, there are conditions attached to that welcome bonus, such as spending a certain amount of money within a certain timeframe, or spending money in particular categories (such as groceries or gas).

  • How do I compare credit card offers in Canada?

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    While you could look for a card with a large sign-up bonus, you should also consider your priorities when comparing credit card offers, for example, if you want rewards or cash back. You should also read the fine print. Many credit card offers have conditions or limitations. Check out Money.ca's credit card comparison tool for more.

  • Do credit card welcome bonus points expire?

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    Welcome bonus points typically don’t expire, so long as your account is active and in good standing. However, in some cases, they could expire if your account is dormant for a specific period of time — usually from one to three years — so be sure to read the fine print.

  • What is a welcome bonus on a credit card?

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    A welcome bonus on a credit card is an incentive that credit card issuers offer to entice consumers to sign up for a new credit card and usually comes in the form of additional travel or rewards points, an elevated cashback rate, waiving of the annual fee or a combination of these offers. But, in most cases, welcome offers also come with minimum spend requirements, time limits and other conditions to earn those rewards.

  • What are the dangers of credit card promos or credit card offers?

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    One of the biggest dangers of credit card promos is racking up credit card debt by trying to maximize a promotional offer, such as overspending to meet your bonus requirement or buying products you don’t really need to get your cashback promotion. Overspending could lead to carrying a balance which, in turn, could hurt your credit score.

  • What should I keep in mind when selecting the best welcome bonus credit card?

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    Welcome bonuses are a huge draw when it comes to getting a new credit card. Some of the best credit cards have pretty hefty spending requirements in order to earn the full bonus, so it’s worth keeping an eye out on current credit card welcome bonuses when you know you have a big spend coming up. That being said, don’t get caught up on the sign-up bonus alone—it's important that it also comes with perks, benefits, and rewards you can use past the sign-up bonus period.

Vawn Himmelsbach Freelance Contributor

Vawn Himmelsbach is a journalist who has been covering tech, business and travel for more than two decades. Her work has been published in a variety of publications, including The Globe and Mail, Toronto Star, National Post, CBC News, ITbusiness, CAA Magazine, Zoomer, BOLD Magazine and Travelweek, among others.

Tyler Wade Personal finance content strategist & writer

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.

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†Terms and Conditions apply.