“I’m so glad I live in a world where there are Octobers” – Anne of Green Gables

Who else feels this way about October?

October is a month filled with being thankful, getting cozy, and strangers giving you chocolatey treats. Beautiful colors, Thanksgiving holidays, sweater and scarf weather, and Halloween trick or treating.

While this collection of credit card offers doesn’t offer readers any chocolate, we promise there are no tricks thrown in here.

Here’s what’s up for grabs this month:

$150* Amazon.ca e-Gift card and a $150 travel bonus

We’re starting our list with a bang.

From now until October 31st, when you apply and get approved for the Scotiabank Gold American Express Card, you’ll get a $100 Amazon.ca e-Gift card on us!

Plus, for anyone that shares the offer on Facebook, we’re throwing in an extra $50 for you to spend at Amazon.ca.

On top of this exclusive offer, this card has some great features that can’t be ignored.

As far as earnings go, you’ll get:

  • 15,000 bonus points (worth $150 in travel rewards),
  • 4 Scotia Rewards points for every $1 spent on gas, groceries, entertainment, restaurants, and
  • 1 point for every other $1 spent.

These rewards can be used to travel anywhere, at any time, and with any provider – no restrictions.

Plus, while traveling, you’ll have extensive insurance coverage to give you peace of mind along the way.

Find out all the details here:

Plus a $150 travel bonus.
Only 300 gift cards available.
Offer ends October 31st, 2018.

Best travel Mastercard in Canada: 3,000 bonus AIR MILES, a companion flight rebate, and your first year free

For a limited time, the BMO AIR MILES World Elite Mastercard is offering new applicants quite the treat.

You pay $0 annual fee for the first year, get a sign-up bonus of 3,000 miles (enough for two short-haul flights), and a companion flight rebate.

What is a companion flight rebate?

Glad you asked.

With this rebate, you can book two seats on a flight to anywhere that AIR MILES flies, within your first year of being a cardholder. You’ll then be credited back the miles for one of those tickets – giving you 2 flights for the price of 1.

The best part? There is no limit to the number of AIR MILES you can have refunded, you just need to have the miles to cover both flights up front. So, if you’ve been trying to build up your miles for a flight for you and your loved one – this card is a no-brainer.

(If you need more bonus miles to pay your balance faster so you can get a better companion flight rebate, then check out the best AIR MILES credit card offers here.)

Even without limited time offers, this card is still, by far, the best AIR MILES credit card in Canada. Here’s why:

  • 1 mile for every $10 spent on all purchases – the best AIR MILES earn rate of any card out there right now,
  • 15% discount on AIR MILES flights within North America,
  • access to Mastercard Airport Experiences Provided by LoungeKey all over the world, as well as two annual passes,
  • and 24/7 Concierge Service.

Plus, it comes with 14 different types of purchase and travel insurance which is just the cream cheese icing on the pumpkin spice cake.

And since it’s a Mastercard, you don’t need to worry about acceptance. As long as the place you’re shopping at takes credit cards, that is.

Making this the best travel credit card for all those trips to Costco.

Read our detailed review right here:

Related: Top 3 BMO Rewards Credit Cards Head-to-Head

Best no fee travel card in Canada + $50 in travel bonuses

If you’re looking for a travel card that has a lower income requirement and no annual fee ever, the MBNA Rewards Platinum Plus Mastercard stands out.

As the best no fee travel card in Canada, you get:

  • 2 points for every $1 spent on gas, grocery, and restaurant purchases, as well as
  • 1 point for every other $1 spent.

The beauty of these points? You can redeem them for ANY type of travel ‒ with no blackout or restrictions, at a 1:1 ratio.

They can also be redeemed for:

  • merchandise,
  • gift cards,
  • charitable donations, or
  • cash.

…Making this one of the most flexible travel cards on the market, although you will get the best value when you redeem your rewards for travel.

Plus, this card is going to give you a nice collection of insurance coverage – 7 different types of travel and purchase insurance are included at no extra cost.

Get the details right here:

Low variable interest rate on purchases and cash advances

Maybe with all of your October reflection, you’ve realized that you spent more money this summer than you meant to, and you’re struggling to pay off your credit cards.

Paying interest is NEVER pleasant, but with the National Bank Syncro Mastercard, you can at least take comfort in the fact that you will NOT be paying a soul-crushing 20% interest rate.

You get an interest rate based on the Canadian Prime rate + 4% on all your purchases with a minimum of 8.9%. Not many credit cards will give you an interest rate that low.

One thing to keep in mind: This card isn’t meant for people with poor credit.

Plus, this card has a low annual fee and comes with complimentary purchase insurance.

You won’t need to worry about high interest rates, high annual fees, or purchasing extra warranties on your back-to-school purchases.

Get the details right here:

Up to 4% cash back + first year free

Maybe cold hard cash is more your thing.

If it is, we got you, fam.

The Scotia Momentum Visa Infinite Card could be just the card.

It’s become the de-facto best cash back card in Canada, with the recent devaluations to the former top seated MBNA Rewards World Elite card. Here’s why:

  • 4% cash back on gas and groceries,
  • 2% cash back on drugstore purchases and recurring bills, and…
  • 1% cash back on all other purchases.

Great cash back rewards? Check. But that’s not all…

Impressive insurance coverage, exclusive Visa Infinite perks, and the fact that the annual fee is waived for the first year are ALL in the bag as well.

Get the details right here:

Related: Canadian Credit Cards With No Foreign Transaction Fee

2.5% cash back for 3 months, then 1.25% on all purchases + no annual fee

Can’t justify the annual fee for the card above? Here’re another no-fee option.

The SimplyCash Card from American Express will give you a solid 1.25% cash back on ALL your purchases – for no annual fee.

Plus, as an added bonus, you get a 2.5% back on all your purchases for the first 3 months up to $150 earned.

On top of that, this card comes with 4 different types of insurance, including Rental Car coverage, Travel Accident and purchase insurance that will protect any of your purchases.

Finally, there’s also an introductory balance transfer rate of 1.99% for 6 months.

Get the details right here:

Up to 50,000 bonus points + an annual Companion Award eVoucher

If you’re looking for a premium travel credit card, the RBC British Airways Visa Infinite might not have been on your radar before, but it’s certainly one to consider.

The British Airways Avios rewards program has a distance-based redemption system, and points can be used on a number of different airlines including:

  • American Airlines
  • Alaska Airlines
  • British Airways
  • Finnair
  • JAL
  • Cathay Pacific
  • LAN

That means if you’re located near Montreal, Toronto, Ottawa, Vancouver, or Calgary, using your Avios points should be no problem.

If you’re not near one of these airlines, however, this card could still be beneficial ‒ especially if you’re a travel lover.

Let’s say you score a cheap flight to New York (or other places that have access to a oneworld partner airline). You can then use your Avios miles to book a number of different flights out of New York. For instance, you can fly with British Airways from New York to Ireland, one way, for 13,000 miles (20,000 during peak season).

Another nice thing about Avios points is that you’re able to transfer American Express Membership Rewards to Avios at a 1:1 ratio. So, if you already have an Amex card in your wallet that gives you Amex Membership Rewards, this could be the perfect partner.

Right now, new cardholders can get up to 50,000 points:

  • 15,000 bonus Avios points when you are approved,
  • 25,000 bonus Avios points when you spend $5,000 in your first two months, and…
  • 10,000 bonus Avios points when you renew your card after your first year.

You also get an annual companion voucher when you spend over $30,000 a year on eligible purchases. This voucher will apply towards the purchase of a flight for a companion traveling with you on the same reward flight.

Plus, enjoy 9 different types of travel and purchase insurance.

Get the details right here:

4% cash back for 4 months + free SPC membership

Finally, maybe you recently started college or university and it’s time to take that next step into adulthood.

If so, the BMO SPC CashBack Mastercard is a great option for students.

Not only will this card give you some great rewards:

  • 4% cash back on all purchases for your first 4 months (up to $125 earned), and…
  • 1% cash back on all other purchases.

…but it will also give you a free SPC membership which will give you discounts on:

  • food,
  • shopping,
  • travel,
  • activities, and even…
  • services like banking plans, cell phone plans, and car repairs.

1% cash back + 10-15% savings on many of your purchases = a pretty sweet deal.

Get the details right here:

Related: Why Every Student Needs An SPC Card

Which of these offers is right for you?

Have you already started planning your Summer 2019 vacations?

Or maybe you want to get ahead of the crowds and start your Christmas shopping now?

No matter what you’re planning…here are our picks for top credit card offers for October:

Credit Card Deal Annual Fee Income Requirement Apply
Scotiabank Gold American Express $150* Amazon.ca e-Gift card and a $150 travel bonus $99 $12K personal Apply
BMO AIR MILES World Elite Mastercard 3,000 bonus AIR MILES + a companion flight rebate $150 – first year free $80K personal /
$100K household
Apply
MBNA Rewards Platinum Plus Mastercard 5,000 bonus points + a comprehensive suite of insurance $0 $0 Apply
National Bank Syncro Mastercard Low variable interest rate + low annual fee $35 $0 Apply
Scotia Momentum Visa Infinite Up to 4% cash back $99 – first year free $60,000 personal / $100,000 household Apply
SimplyCash Card from American Express 1.25% cash back on all purchases + no annual fee $0 $0 Apply
RBC British Airways Visa Infinite 50,000 bonus points + Companion Award eVoucher $165 $60,000 / $100,000 household Apply
BMO SPC Cash Back Mastercard 4% cash back for 4 months + SPC membership $0 $0 Apply