If you are in the market for a new credit card, do yourself a favour and take advantage of the best credit card sign-up bonuses, offers, and promotions available in Canada.
Credit card usage can be expensive if you carry a balance month to month. On the other hand, the right credit card can be very rewarding and offer a suite of perks, annual fee waivers, and other benefits.
Read on to learn about the best credit card promotions currently available in Canada.
Best Credit Card Promotions in Canada for Mar 2025
| Credit Card | Promotion | Annual Fee | Apply |
| Tangerine Money-Back Credit Card | 10% extra cash back ($100 value); 1.95% balance transfer; Regular rate up to 2% in 3 categories | $0 | Apply |
| Scotia Momentum Visa Infinite | 10% cash back ($200 value); annual fee is waived in the first year | $120 | Apply |
| Scotiabank Gold American Express Card | 40,000 Scene+ points ($400 value) | $120 | Apply |
| Scotiabank Passport Visa Infinite Card | 40,000 Scene+ points ($400 value) | $139 | Apply |
| Scotiabank Scene+ Visa | 5,000 bonus Scene+ points | $0 | Apply |
Best Cash Back Credit Card Promotions
Cash back credit cards are popular because it is easier for you to enjoy the rewards you receive (i.e. cash back). You are not limited to purchasing travel or merchandise.
They typically also offer other benefits in addition to the cash back rewards.
1. Tangerine Money-Back Credit Card
- Income eligibility: $12,000
- Annual fee: $0
- Promo: 10% cash back.
The Tangerine Money-Back Credit Card is a no-frills card that offers one of the best cash back rewards rates in Canada. You also earn an unlimited 2% cash back rate on up to three categories of spending.
Spending categories that qualify for the highest cash back rate include groceries, restaurants, recurring bill payments, entertainment, hotel-motel, drugstore, public transportation, parking, and more.
For a limited time, new cardholders also get an extra 10% cash back worth $100.
For all spending outside of your chosen 2% categories, you earn an unlimited 0.50% cash back.
This card has no annual fee and also comes with a 1.95% balance transfer rate for 6 months if you need it. Other benefits of the card are its purchase assurance and extended warranty.
Tangerine recently introduced the Tangerine World Mastercard, which offers similar cash back offerings. You can read our review.
2. Scotia Momentum Visa Infinite Card
- Promotion: $120 annual fee waived in year one; 10% cash back ($200 value)
- Income eligibility: $60,000 minimum personal income
- Annual fee: $120 (waived in the first year)
- Offer validity: Apply by October 31, 2025
The Scotia Momentum Visa Infinite card is rated as one of the best cash back cards in Canada.
This card offers:
- 10% promo cash back in the first 3 months (valued at $200)
- 4% cash back on groceries and recurring bill payments
- 2% cash back on gas and daily transit
- 1% cash back on everything else
- New mobile device insurance
- Comprehensive travel insurance benefits
- Rental car collision loss/damage insurance
- Purchase security and extended warranty
For more details, read my Scotia Momentum Visa Infinite review.
Best Credit Card Welcome Bonus in Canada
These credit cards offer some of the best welcome bonus points you can convert into rewards. Both cards are also some of the best travel rewards credit cards.
3. Scotiabank Gold American Express Card
- Promotion: Earn 40,000 bonus points ($400 value)
- Income eligibility: $12,000
- Annual fee: $120 (waived in the first year)
- Offer validity: Apply by July 1, 2025
The Scotiabank Gold American Express card is one of the best travel credit cards in Canada.
The promotional offer of 20,000 Scene+ points is earned after you have spent at least $2,000 in your first 3 months. You also get an additional 20,000 points after spending $7,500 in the first year. The total bonus offer has a $400 value.
You also enjoy the following premium perks:
- 5 points per $1 spent on grocery, restaurants, fast food, bars, and food delivery
- 3 points per $1 spent on gas, daily transit, and streaming services
- 1 point per $1 spent on everything else
- 0% balance transfer for the first 6 months
- 2.5% foreign transaction fee is waived
- Discounted Priority Pass membership
- Comprehensive travel insurance benefits
- Rental car collision loss/damage insurance
- Purchase security and extended warranty
Check out the card’s complete review.
4. Scotiabank Passport Visa Infinite Card
- Promotion: Earn up to 40,000 bonus points ($400 value)
- Income eligibility: $60,000 minimum personal income
- Annual fee: $150 (waived in the first year)
- Offer validity: Apply by July 1, 2025
The Scotiabank Passport Visa infinite card is on our list of the best travel rewards cards in Canada.
It starts off with a 30,000 Scene+ points welcome offer when you spend $2,000 or more in the first 3 months ($250 value). Following this, you get an additional 10,000 points when you make $40,000 in purchases on your card annually (an extra $100 value).
This premium card also offers:
- 2 points per $1 spent on grocery, dining, entertainment, and daily transit purchases (on up to $50,000 in purchases)
- 5 points per $1 spent on travel purchases
- Earn 1 point per $1 spent on everything else
- No foreign currency transaction fee (a saving of 2.5%)
- Complimentary airport lounge access with 6 free visits per year (worth $397)
- Comprehensive travel insurance
- Rental car insurance
- Purchase security and extended warranty
- Price protection
Read more about this card here.
Travel Credit Card Promotions in Canada
If you are looking for a credit card that racks up travel rewards and you want to jumpstart your quest with promotional points, these travel rewards cards deliver.
5. TD First Class Travel Visa Infinite Card
- Promotion: Earn up to 135,000 points
- Income eligibility: $60,000 minimum personal income
- Annual fee: $139
- Offer validity: Apply by January 6, 2025
The TD First Class Travel Visa Infinite offers a welcome bonus of 20,000 TD Points when you make your first purchase with the card. You get an additional 115,000 points when you spend $5,000 within 180 days of opening your account.
You can also get a birthday bonus of up to 10,000 TD Rewards Points.
Cardholders enjoy:
- 9 points per $1 spent on booking travel through Expedia For TD
- 3 points per $1 spent on everything else
- Comprehensive travel insurance
- Discounted Priority Pass membership
- Auto rental insurance
- Purchase security and extended warranty
When you combine the promotional offer with the first-year fee waiver, this card is definitely worth checking out.
Noteworthy Credit Card Promotions
6. Scotiabank Scene+ Visa Card
- Promotion: Get 2,500 bonus Scene+ points when you spend $250 in the first 3 months; get an additional 5,000 Scene+ points when you spend at least $1,000 in your first 3 months
- Income eligibility: $12,000
- Annual fee: $0
- Offer validity: March 2, 2025
The Scotiabank Scene+ Visa card is a great starter credit card for students, newcomers to Canada, and anyone who is looking at simply building their credit profile.
You earn:
- 1 Scene+ point per $1 spent on everyday purchases
- 2 Scene+ points per $1 spent on purchases at Cineplex and some grocery stores
Read about how to watch free movies and this Scene+ card review.
7. SimplyCash Card from American Express
- Income eligibility: N/A
- Annual fee: $0
- Promo: $10 monthly statement credits for up to 10 months ($100 value)
The SimplyCash Card from American Express is one of the best no fee credit cards in Canada for earning unlimited cash back rewards.
It offers:
- 1.25% to 2% cash back on purchases
- $100,000 travel accident insurance
- Extended warranty for up to 1 extra year
- Purchase protection for 90 days
- Access to American Express Experiences
Learn more about the SimplyCash Card from AMEX in this detailed review.
8. TD Cash Back Visa Infinite
- Promotion: Earn 10% cash back for 3 months
- Income eligibility: $60,000 minimum personal income
- Annual fee: $139; waived in the first year
- Offer validity: Apply by January 6, 2025
The TD Cash Back Visa Infinite starts with a 10% cash back reward rate in your first 3 months on a total spend of $3,500.
After the promotion ends, you continue to enjoy:
- 3% cash back on grocery, gas, and recurring bill payments (capped at a maximum of $15,000 in spending per year)
- 1% cash back on all other purchases
- Roadside assistance
- Travel medical insurance
- Auto rental collision loss/damage insurance
9. BMO CashBack Mastercard
- Promotion: 5% cash back in your first 3 months ($125 value)
- Income eligibility: $15,000
- Annual fee: $0
- Offer validity: Apply by November 30, 2024
The BMO Cash Back Mastercard is a no-fee cash back card offering 5% cash back on all purchases in your first three months…on up to $2,500 in purchases. This is equivalent to a $125 welcome bonus.
After the promotional period ends, you earn 0.50% to 3% cash back, depending on your purchases.
This card also offers a 1.99% balance transfer rate for 9 months (a 2% balance transfer fee applies).
Lastly, you enjoy free purchase protection and extended warranty coverage. Read my BMO Cash Back Mastercard review.
10. BMO Ascend World Elite Mastercard
- Promotion: Get up to 90,000 points
- Income eligibility: $80,000 minimum personal income
- Annual fee: $150; waived in year one
- Offer validity: Apply by November 30, 2024
This premium credit card offers a welcome bonus of 45,000 points when you spend $4,500 within your first 3 months, plus an extra 3,750 points each month when you make at least $2,500 in purchases (for 12 months).
The $150 annual fee is waived in the first year, and you enjoy:
- 3 BMO Rewards points per $1 spent on travel, dining, and entertainment (on up to $50,000 annually)
- 2 points per $1 spent on everything else
- Complimentary membership in Mastercard Airport Experiences provided by Loungekey, including four annual complimentary passes
- Comprehensive travel insurance
- Purchase protection and extended warranty
Read my BMO World Elite Mastercard review for more information about this card.
Conclusion
These credit card promotions and sign-up bonuses are worth looking at if you plan on getting a new credit card.
Related posts
- Best Low Rate Credit Cards in Canada
- The Top Balance Transfer Credit Cards
- Overall Best Credit Cards in Canada
- How To Get Your Free Credit Score
- Best Tangerine Credit Cards
- Best Low Income Credit Cards in Canada
- Best No Fee Credit Cards in Canada
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