Best Credit Card Welcome Offers In Canada For January 2025

Think of the TD First Class Travel Visa Infinite Card as a cheaper step down from its higher-flying cousins on this list. Packed with travel benefits, but lacking a heavyweight rewards program, this card is really aimed at frequent fliers rather than high spenders who also like to travel.

• Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
  • Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
  • Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
  • Get an annual TD Travel Credit^†of $100 when you book at Expedia^® For TD.
  • Get an Annual Fee Rebate for the first year†.
• To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
• Starbucks Bonus Offer for New Linked Membersx: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
• This offer is not available for residents of Quebec.
• † Terms and conditions apply.

True to its name, the TD Aeroplan Visa Infinite Privilege Card is exclusive and expensive, but brings to bear a broad array of perks and benefits, along with a surprisingly accessible credit score threshold.

• Earn up to $3,000 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
  • Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
  • Enroll for NEXUS and once every 48 months get a partial application fee rebate†
  • Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
  • Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
• This offer is not available to residents of Quebec.
• †Terms and conditions apply.

Aside from its generous welcome offer (worth up to $1,400 in travel value), it comes with a ton of other first-year value, like companion passes and travel perks.

Learn more: Read our CIBC Aeroplan Visa Infinite Privilege Review

• Earn 20,000 Aeroplan points when you make your first purchase.
• Earn 30,000 Aeroplan points when you spend at least $15,000 during your first 6 monthly statement periods.
• Earn 30,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods.
• Get a 4th hotel night free for every 3 hotel nights redeemed with Aeroplan points.
• Earn 2 Aeroplan points per dollar spent at Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points per dollar spent on gas, groceries, dining, travel and electric vehicle charging.
• Earn 1.25 Aeroplan points per dollar spent on everything else.
• Earn Aeroplan points twice at Aeroplan partners and at the Aeroplan eStore.
• Get both Maple Leaf Lounge access and 6 complimentary visits at over 1,200 lounges worldwide through the Visa Airport Companion Program.
• Includes a NEXUS application rebate ($50 value).
• Get a free first checked bag for you and up to 8 companions for each round-trip flight with Air Canada.
• Get airport perks like priority check-in, boarding and baggage handling for you and up to 8 companions on the same flight.
• Annual Worldwide Companion pass from $99 (must spend $25,000).
• Built-in travel insurance coverage including emergency medical, travel accident, trip cancellation/interruption and flight delay and baggage insurance.
• Includes auto rental collision loss/damage insurance, hotel/motel burglary insurance, mobile device insurance, purchase protection and extended warranty.

With its accelerated regular earn rate and generous welcome bonus, there’s no reason this card can’t earn you a lot of points in your first year.

• Welcome offer: Get up to 120,000 points*
• Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
• Get 1 BMO Reward for every $1 spent on everything else*
• Get a $200 annual lifestyle credit to spend however you want*
• Mobile Device Insurance that covers you for up to $1,000*
• Earn 25% more points when you add an authorized user to your account*
• Pay with Points by browsing your recent transactions & redeem your points for as little as $1
• Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
• Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
• Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*
• 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

This card is all reward with little risk. Plus, the affordable annual fee is even rebated for your first year of card membership.

• Welcome Offer: Join and get up to $1,450 in value including a first year annual fee rebate!†
• Here’s how you can get up to $1,450 in value:
  • Get up to 45,000 Aventura Points (up to $900 in travel value†):
  • 15,000 Aventura Points when you make your first purchase†
  • 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods†
  • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each;): up to $189 value.†
• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 in value.†
• Plus, get a NEXUS◊ Application Fee rebate†: A CAD $100 value†
  • Plus, enjoy extra valuable travel benefits.
• Travel when it’s right for you – your Aventura Points don’t expire†
• Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features†
• Travel local – Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
• 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre†
• 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
• 1 point for every $1 spent on all other purchases†
• Save on gas with CIBC and Journie Rewards
  • Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
  • This is a digital-exclusive offer.†
    To be eligible for this offer:  1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
• CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†
• This offer is not available for residents of Quebec.
• †Terms and conditions apply. Select “Apply Now” to learn more

This card has the potential to earn 35,000 Aventura Points in the first year, which translates to $800 in travel value.

Learn more: Read our CIBC Aventura Gold Visa Review

• Welcome bonus of up to 35,000 Aventura Points (earn 15,000 points when you make your first purchase and 20,000 points when you spend $3,000 or more in the first 4 monthly statement periods)
• 2 Aventura Points per dollar when you make travel purchases through the CIBC Travel Rewards Centre
• 1.5 Aventura Points per dollar spent at eligible gas stations, electric vehicle charging stations, grocery and drug stores
• 1 Aventura Points per dollar spent on all other purchases
• Forbes Advisor estimates you can earn $444 worth of rewards value based on average Canadian spending, factoring in the annual fee
• Four complimentary airport lounge visits per year on the Dragonpass network of over 1,200 airport lounges worldwide through the Visa Airport Companion Program
• Get a rebate on your NEXUS application every four years
• Link your CIBC Aventura Gold Visa to a Journie Rewards card for $0.10 per litre off at participating Ultramar, Pioneer, Fas Gas and Chevron gas stations
• Out-of-province emergency travel medical insurance
• Flight delay and baggage insurance
• Auto rental collision and loss damage insurance
• $500,000 common carrier accident insurance
• Hotel burglary insurance
• Mobile device insurance
• Purchase security and extended protection insurance
• Access to CIBC Pace It to pay off individual purchases in installments
• Make personalized travel booking arrangements at no additional fee with the Aventura Travel Assistant
• Optional credit card balance protection insurance

Aside from its valuable welcome offer, this card includes travel credits, NEXUS fee rebates and more.

Learn more: Read our CIBC Aventura Visa Infinite Privilege Card Review

• Get 50,000 Aventura points when you spend a minimum of $3,000 within the first four months.
• Get 30,000 Aventura points as an anniversary bonus.
• Earn 3 Aventura points per dollar on travel purchased through the CIBC Rewards Centre.
• Earn 2 Aventura points per dollar spent on gas, transportation, groceries, dining and entertainment.
• Earn 1.25 Aventura points per dollar spent on everything else.
• Includes 6 complimentary visits at over 1,200 lounges through the Visa Airport Companion Program.
• $200 annual travel credit.
• Includes 2 NEXUS application fee rebates.
• Built-in travel insurance, including emergency medical, travel accident, trip cancellation/ interruption and flight delay and baggage insurance.
• Includes rental car collision/loss damage insurance, mobile device insurance, hotel/motel burglary insurance, purchase security and extended protection insurance

The Scotiabank Platinum American Express has a hefty welcome offer, plus a plethora of travel perks, to boot.

• Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
• Plus earn 2X Scene+ points for every $1 spent on all other eligible purchases
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• Mobile Device Insurance coverage
• 10 complimentary Airport Lounge Passes per year
• Platinum VIP Offers+
• American Express Invites®
• Premium Complimentary Concierge Services
• Rates, fees and other information are effective as of January 3, 2025. Subject to change.

The BMO Eclipse Infinite Visa offers the same high earn rates as the BMO Eclipse Visa Infinite Privilege but it’s more attainable to different income levels and has a much more reasonable annual fee.

• Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $570 value in your first anniversary!*
• Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
• Get 1 BMO Reward for every $1 spent on everything else*
• Get a $50 anniversary lifestyle credit to spend however you want*
• Mobile Device Insurance that covers you for up to $1,000*
• Earn 10% more points when you add an authorized user to your account*
• Pay with Points by browsing your recent transactions & redeem your points for as little as $1
• 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
• *Terms and conditions apply

If you travel frequently, you’ll love this card’s perks—and anyone else will love its welcome bonus.

• Get up to 60,000 Aviosˆ with the RBC® British Airways Visa Infinite (with minimum spend, conditions apply).
• Receive up to 60,000 Aviosˆ, here’s how:
  • Step 1: Receive 15,000 Avios as welcome bonus upon approval
  • Step 2: 35,000 bonus Avios when you spend $6,000 CAD in the first 3 months
  • Step 3: Another 10,000 bonus Avios after your first yearˆ
• Earn 3X Avios when you shop with British Airways and BA Holidays*
• Earn 2X Avios for every $1 spent on qualifying dining spend*
•  Earn 1 Avios for every $1 CAD spent on qualifying net purchases*
• Earn a companion voucher when you spend $30,000 CAD annually. You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you’ll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.˜
• 10% off British Airways flights when you book and pay with your card∞
• Redeem for flights and more – you can spend your Avios on all of the travel things you love, including cabin upgrades with British Airways or reward flights with British Airways and any of the oneworld partner airlines to almost 1,000 destinations worldwide**
• Comprehensive Insurances including 31–day out of country/province emergency medical insurance, flight delay insurance, hotel burglary and rental car insurance. Even eligible purchases you make with the card are protected.
• Luxury Visa Infinite benefits such as first in line service for exclusive events and hotel and dining exclusives via www.visainfinite.ca
• Complimentary 24/7 Concierge Service
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
• Get $0 delivery fees for 12 months from DoorDash
• Link your RBC British Airways Visa Infinite card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
• ˆ, *, ** Terms and conditions apply