It’s the most wonderful time 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 secretly dreading, admit it), there are some deals in here that could make your holiday season easier and more rewarding:

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

Get $150 worth of travel rewards + a $150* e-gift card on us

For a limited time, we’re bringing our readers a very special offer:

Apply and get approved for the Scotiabank Gold American Express Card and you’ll get a $100 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

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

As far as earnings go, cardholders will be given:

  • 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 (even if you’re over 65 years old) to give you peace of mind along the way.

Find out all the details here:

Plus a $150 travel bonus.
Offer ends December 21, 2018.

Best credit card for shopping at Costco: 3,000 bonus miles and a companion flight rebate + 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 2 short-haul flights), and a companion flight rebate.

What is a companion flight rebate? Glad you asked.

With this rebate, you can book 2 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 1 of those tickets – giving you 2 flights for the price of 1.

The best part? There’s no limit to the number of AIR MILES you can have refunded, you just need to have enough 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.

Tip: 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 2 annual passes, and
  • 24/7 Concierge Service.

Plus, it comes with 14 different types of purchase and travel insurance which is just the frosting on top.

And since it’s a Mastercard, you don’t need to worry about acceptance. As long as where you’re shopping 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

Up to 800 bonus AIR MILES and no annual fee

If you want to earn AIR MILES everywhere, even at Costco, but you’re looking for something with a lower annual fee than the card above and no income requirements, the BMO AIR MILES Mastercard is a great card to consider.

Especially because for a limited time, BMO is giving new cardholders an even bigger sign up bonus.

Right now, if you apply for this card and get approved, you’ll get:

  • 400 bonus miles after your first purchase,
  • 400 bonus miles when you spend $1,000 within your first 3 months,
  • 2x the miles for all purchases at participating AIR MILES partner locations, and
  • 1 mile for every other $20 spent.

You’ll also be able to add secondary card holders for free, making it even easier to earn miles on all of your purchases.

As an added bonus, your purchases will be covered with extended warranty insurance as well as purchase protection, giving you peace of mind at no extra cost.

Get all the details here:

Up to 10% cash back + first year free

Maybe cold hard cash is more your thing.

If so, the Scotia Momentum Visa Infinite Card could be the card for you.

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:

  • 10% cash back on all purchases for the first 3 months (up to $2,000 spent),
  • 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:

1% cash back and no annual fee + no foreign exchange fees

Or maybe you want cash back rewards while saving big on the fees.

If so, the Home Trust Preferred Visa is one no fee cash back card that really stands out.

Despite having no annual fee ever, this card will give you 1% cash back on all of your purchases – with no limits and no complicated tiers.

More impressive than that, this card will waive the foreign exchange fee on any purchase you make outside of Canadian currency. That’s a 2.5% savings.

To add to that, you’ll also be given complimentary roadside assistance, helping you feel taken care of as the weather keeps getting colder.

Get all the details here:

Related: Canadian Credit Cards With No Foreign Transaction Fee

Which of these offers is right for you?

Have you already started planning your Summer 2019 vacations?

Or maybe you want to earn some valuable cash back (or save on interest) on your Christmas shopping?

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

Credit Card Deal Annual Fee Income Requirement Apply
Scotiabank Gold American Express $150* e-Gift card + $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
BMO AIR MILES Mastercard Up to 800 bonus AIR MILES $0 $0 Apply
Scotia Momentum Visa Infinite Up to 4% cash back $99 – first year free $60,000 personal / $100,000 household Apply
Home Trust Preferred Visa 1% cash back + no foreign exchange fees $0 $0 Apply