It’s the most wonderful month of the year!

Holiday parties, concerts, shopping and decorating…

Whatever your December is filled with, pretty sure you’d be happy with any extra help you can get…right?

While none of these credit cards can attend that “ugly Christmas sweater” party for you (which you’re dreading, admit it), there are some deals in here that could make your holiday season easier and more rewarding:

  • higher than average sign up bonuses,
  • high earn rates on all that food and goodies you’ll indulge in this month,
  • concierge service that could help you find that perfect gift, and even…
  • a card with no foreign transaction fee for when you do your cross border shopping.

There’s something here for everyone, so let’s get started.

A sign up bonus of 20,000 points – and the first year free

The BMO World Elite Mastercard is an incredibly flexible rewards card that starts you off with 20,000 reward points which will help get you on your way to:

  • free travel,

  • merchandise,

  • gift cards, or

  • making investments into your BMO Investment account.

This card comes with 14 types of travel and purchase insurance, giving cardholders valuable peace of mind, especially when you realize that one of those insurances gives you extended warranty on all those gifts you purchase with it.

Planning on making lots of restaurant reservations this holiday season? Or perhaps you’re trying to score impossible-to-get concert tickets for your hard-to-please teenager? This card come with 24/7 Concierge Service who will be there to help ease some of that stress for you.

The best part? You can try this card for FREE, because BMO is waiving the annual fee for new applicants.

Get the details right here:

3,000 bonus AIR MILES (worth $519) – and the first year free

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

Not only will you pay $0 annual fee for the first year, they are also giving new card holders a sign up bonus of 3,000 Miles – enough for two short haul flights.

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

  • 1.73% typical return on spending when redeemed for flights – the best AIR MILES earn rate of any card out there right now,
  • Priority Pass membership and two complimentary lounge passes,
  • as well as 24/7 Concierge Service.

Then there’s the 14 different types of purchase and travel insurance that’s just icing on the cake…

Read our detailed review right here:

Up to 40,000 bonus points, plus 5x the rewards on groceries and dining

According to our calculations, the American Express Cobalt card is the best credit card in 4 different categories for 2017:

  1. Best Flexible Credit Card
  2. Best Travel Credit Card
  3. Best Rewards Credit Card
  4. Best Overall Credit Card

…and with good reason.

Allowing cardholders to earn 5x the points on food and drinks, so you won’t need to feel quite as guilty with all the food you’ll be indulging in over the holidays.

Plus, this card gives cardholders 2x the points on gas, travel and transit – so, whether you’re paying for gas, or being responsible and taking a cab home from your Christmas staff party, this card makes it easy to earn major rewards fast.

Food and travel, aren’t the only way to earn rewards though. You’ll still earn 1 reward point for every $1 spent everywhere else you use your card – the standard amount for most rewards credit cards.

For a limited time you will get a welcome bonus of 10,000 rewards points. And on top of that, each month that you spend $500 in your first year, you’ll earn 2,500 reward points.

Add that all together and you’re looking at bonus points worth:

  • $700 in fixed points flights,
  • $400 in any type of travel, or
  • $280 in cash.

What’s more? It has a decent insurance package, fun Amex perks and benefits, and an annual fee that is divided into manageable $10 monthly payments – Merry Christmas to us!

$250 in bonus rewards, 4x multiplier on gas, food and entertainment, and the first year free

Another card that is sure to get a lot of use this holiday season, with concerts, eating out, and traveling home coming in December, is the Scotiabank Gold American Express card which allows cardholder to earn 4 points on every $1 spent on gas, groceries, restaurants, and entertainment, as well as 1 point for every other $1 you spend.

These points can be used for travel anywhere, anytime and with no restrictions.

Plus, for a limited time, not only will you get 25,000 sign up points which is worth $250 in ANY type of travel charged to the card – you also get your first year free.

5% cash back on all purchases for the first 3 months, plus the first year free

For a limited time, the Scotia Momentum Visa Infinite is giving new cardholders a nice bonus of 5% cash back on all purchases for the first three months, up to $150 earned.

Even when the first 3 months are up, the regular earn rate for this card is still decent. The Scotia Momentum Visa Infinite lets you earn 4% cash back at gas stations and grocery stores, as well as 2% cash back at drug stores and on recurring bills.

To make this deal even sweeter, Scotiabank is going to waive the annual fee for first year for the primary and all secondary cards.

Looking for the best offers on a no fee credit card?

Sometimes even just finding the perfect no fee card is a deal on its own.

And boy, do we have some deals for you.

Do you have plans to do some cross border shopping this December? Or perhaps you’re like me, and like to do your Christmas shopping online? Be sure you’re not getting charged pesky foreign transaction fees with the Home Trust Preferred Visa card. This card is one of the only cards on the Canadian market right now that doesn’t charge that fee – saving you around 2.5%. Plus it gives card holders 1% cash back on top of that!

Or have a look at the BMO Cash Back Mastercard and the American Express SimplyCash card.

Both are no fee cards that allow you to earn rewards and give you some insurance on top of that. Plus, they also give you an accelerated earn rate for the first 4 months and 5 months respectively.

The Scotiabank SCENE Visais another no fee card that gives you a nice little bonus just for signing up and using the card. For a limited time, you get a sign up bonus of 4,000 SCENE points, which is enough for you to see the Star Wars: The Last Jedi 4 times! And with all the other great movies coming out in the next few months, is there really a downside?

Which of these credit card offers is for you?

December is an easy time to overspend and over-indulge…

So, check out our 12 credit card mistakes (the Not-To-Do list) and our 10 credit card rules.

Here’s the bottom line: if you plan ahead and pay your bill in FULL every month, then these limited time credit card deals can make December even merrier.