December is here, and so is the holiday season. Happy holidays to everyone from your creditcardGenius team.

It’s a busy time of year. There’s shopping to be done (unless you already got it out of the way last weekend using deals like these ones) and people to visit. And there’s no shortage of things to do, like entering our annual giveaway or spending money…

And while it might be the last thing you’ll be thinking about this month, having the right credit card for all your upcoming purchases can help increase your rewards or save on credit card debt.

Our list here is a mix of travel rewards, cash back, and low interest cards for you to consider.

Credit Card Credit Card Offer Annual Fee Income Requirements Apply Now
Tangerine Money-Back Mastercard * $75 Amazon e-gift card on us when you get approved*
* 4% cash back on your chosen categories (terms)
* Offer ends December 18, 2019
$0 12K personal Apply Now
American Express Cobalt * Up to 30,000 welcome bonus points (terms)
* Best credit card in Canada
$120, charged out as $10 per month None Apply Now
MBNA True Line®Mastercard® * 0% interest for 12 months – best balance transfer offer in Canada (terms)
* Offer ends February 29, 2020
$0 None Apply Now
TD® Aeroplan® Visa Infinite* * 15,000 bonus miles after the 1st purchase
* 5 bonus miles per $1 spent in the first 3 months (terms)
* Offer ends March 2, 2020
$120, first year free 60K personal/100K household Apply Now
BMO AIR MILES®† Mastercard®* * Up to 800 bonus AIR MILES (terms)
* Offer ends January 15, 2020
$0 None Apply Now
National Bank World Elite Mastercard * Welcome bonus of up to $480 cash back (terms)
* Offer ends February 29, 2020
$150 80K personal/150K household Apply Now
TD Cash Back Visa Infinite* * 10% cash back on all purchases for the first 3 months (terms)
* Offer ends March 2, 2020
$120, first year free 60K personal/100K household Apply Now
American Express® Gold Rewards Card * 25,000 bonus points (terms) $150 None Apply Now
Scotiabank Passport Visa Infinite * 25,000 welcome bonus points (terms)
* No foreign exchange fees
$139 60K personal/100K household Apply Now
MBNA Rewards Platinum Plus® Mastercard® * 10,000 welcome bonus points
* 4 points per $1 on gas, groceries, and restaurants in the first 3 months (terms)
$0 None Apply Now
SimplyCash Preferred Card from American Express * 5% cash back for the first 6 months (terms) $99 None Apply Now
TD First Class Travel Visa Infinite* * 20,000 bonus points after the first purchase
* 5x the points for the first 3 months (terms)
* Offer ends March 2, 2020
$120, first year free 60K personal/100K household Apply Now
Plus up to 4% cash back.
Ends December 18, 2019.

4% cash back on the categories you want and a $75 Amazon e-Gift card on us

Get a $75 e-gift card on us – details here.

For a limited time, the is offering you 4% cash back on the 2 categories you choose for the first 3 months after opening your account.

To make this offer even sweeter, we’re also giving away a $75 Amazon e-gift card when you apply by December 18 and get approved for the card. Details on this offer can be found here.

And you can also choose a 3rd category to earn this bonus when you have your Money-Back Rewards deposited into your Tangerine Savings account.

The categories you can choose from are:

  • grocery,
  • recurring bill payments,
  • furniture,
  • drug store,
  • restaurants,
  • home improvement,
  • hotel/motel,
  • entertainment,
  • gas, and
  • public transit and parking.

On top of having no annual fee and earning 0.5% cash back on all other purchases, there’s also a low promotional balance transfer interest rate of 1.95% with a low 1% balance transfer fee.

And, Tangerine’s newest credit card, the is also running its own gift card offer. You can learn more about the differences between the 2 cards here.

Best credit card in Canada, up to 30,000 bonus points

The is our #1 ranked credit card in Canada.

Why? Not only can earn tons of points, but each one is also super valuable.

With the welcome bonus, you’ll earn 2,500 bonus points every month you spend $500 in the first year. That’s a total of 30,000 points.

On top of that, you’ll get:

  • 5 points per $1 spent on grocery, bar, and restaurant purchases,
  • 2 points per $1 spent on gas and travel purchases (including daily transit), and
  • 1 point per $1 spent on all other purchases.

And it’s all for a super manageable $10 monthly fee, instead of an annual fee of $120.

But, what are your points worth?

American Express Membership Rewards can be redeemed for travel and to get the best value, you can use the Fixed Points Travel Program for flight bookings. A point is worth up to 1.75 cents each this way.

The next most valuable option is transferring your points to Marriott Bonvoy. Amex points transfer at a ratio of 5:6, effectively giving you a 20% bonus. With a Bonvoy point worth 0.97 cents each when redeemed for hotel stays, an Amex point is worth 1.16 cents each.

Finally, you can also redeem points for any travel booking you can find, from any provider. Each point is worth 1 cent when redeemed this way.

All these different options truly make for a great credit card.

0% interest on balance transfers for 12 months, best offer in Canada

* This offer is not available to residents of Quebec. For residents of Quebec, please click here.

If you have some sticky debt hanging around, the best balance transfer offer in Canada is here to save the day (and your credit score).

The is offering a 0% balance transfer promo rate for an incredible 12 months. This is a limited time offer which ends on February 29, 2020.

And unlike many balance transfer offers out there, once the promotional period is over, you can still take advantage of a permanently low 12.99% purchase interest rate rather than have the interest shoot back up to 19.99% or more.

30,000 bonus Aeroplan miles and the first year free

One of our top Aeroplan credit cards, the has a truly outstanding deal right now to get you flying for free sooner.

As part of signing up, you’ll earn up to 30,000 Aeroplan miles:

  • 15,000 after the first purchase, and
  • 5 bonus miles per $1 spent in the first 3 months, until 15,000 miles have been earned.

On top of that, you’ll earn miles on all of your day-to-day purchases:

  • 1.5 miles per $1 spent on gas, groceries, drugstores, and purchases, and
  • 1 mile per $1 spent on everything else.

Plus when you redeem your miles for flights, you’ll get great benefits on Air Canada operated flights like priority check-in and first free checked bag.

Add it all up, and you’ve got a card that earns you tons of Aeroplan miles and makes your reward flights more enjoyable.

The cherry on top? The annual fee is waived for the first year.

Up to 800 bonus AIR MILES, no annual fee

If a no fee travel card is more your style, the is a great card to consider.

You’ll earn a sign-up bonus of up to 800 miles – 400 after your first purchase, and another 400 after spending $1,000 in the first 3 months.

On top of that, you’ll get to earn AIR MILES on all of your purchases:

  • 1 mile per $10 spent at select AIR MILES sponsors, and
  • 1 mile per $20 spent everywhere else.

With miles you can use for flights, hotels, car rentals, vacation packages, and merchandise – there’s an easy way to use your miles for everyone.

$480 cash back, $250 in annual travel reimbursements

If you want a card that gives you a different way of saving money while travelling, the fits the bill.

It’s currently offering a top notch sign-up bonus. Until February 29, you can earn $40 cash back for every month you spend $500 in the first year. That’s up to $480 right back in your pocket.

On top of that, you still earn great travel rewards. It has an earn rate of 1.5 points per $1 spent on the first $40,000 in annual spend. Then, for your next $40,000 worth of purchases, you’ll earn 2 points per $1.

When redeemed through National Bank A La Carte Rewards, each point is worth 1 cent, giving you a 1.5% to 2% return.

But, where the card really stands out is with its annual Savvy Traveller Reimbursements.

What can you get reimbursed?

  • $100 for airport parking,
  • $100 for checked baggage, and
  • $50 for seat selection.

Say goodbye to some of those pesky fees no one likes paying for.

Plus, it comes with great insurance coverage, including triple extended warranty (up to 2 years), and 15 days of emergency medical coverage for people over 65.

Add that all up, and National Bank has a great offer for your travel needs.

If you don’t meet the income requirements, these 2 National Bank cards are also offering the same $480 cash back bonus offer:

10% cash back and the first year free

One of the top cash back cards in Canada is also running a great sign-up bonus.

The is offering 10% cash back on absolutely all your purchases in the first 3 months, up to $2,000 in spending. That’s a potential $200 in rewards.

Plus, you don’t have to dish any of it out on an annual fee, because you’ll be getting it waived for the first year.

After your honeymoon period is over, you’ll be earning 3% cash back on gas, groceries, and recurring bills – capped at $15,000 in spending per year for each category. Afterwards, and on all your other purchases, you’ll get a straightforward 1% back.

One of the best features of this card? Complimentary roadside assistance.

And with winter here, you won’t have to worry about getting stranded in the dead cold of a Canadian winter should your car break down…it’s definitely a handy feature to have for road trips should you find yourself in a pickle.

25,000 bonus points with our best Aeroplan credit card

Want the best of the best when it comes to Aeroplan cards? Look no further than the .

Even though it doesn’t earn Aeroplan miles directly, you can transfer your Amex Membership points at a 1:1 ratio to Aeroplan.

But what makes this card our top Aeroplan card? It’s all in the earn rates. First, the permanent welcome bonus – earn 25,000 points after spending $1,500 in the first 3 months.

More than the welcome bonus, the every day earn rates can’t be beat either:

  • 2 points per $1 on gas, groceries, drugstores and travel, and
  • 1 point per $1 on all other purchases.

No other Aeroplan card is offering 2 points per $1 on essentials like gas and groceries.

To make things better, when you go to redeem your points, if Aeroplan doesn’t have options that suit you, the full suite of Amex Membership Rewards options are at your disposal, including:

  • transfer points to 5 other airlines,
  • redeem for flights using the Fixed Points Travel Program,
  • transfer points to Marriott Bonvoy and Hilton Honors, and
  • redeem points for any travel purchase made to the card.

It’s one of the most flexible rewards programs out there today.

25,000 bonus points, no foreign exchange fees, and great travel perks

For a card that offers great perks, the will give you flexible travel rewards and much more.

To get you started, you can earn a welcome bonus of 25,000 points after spending $1,000 in the first 3 months. That’s worth $250 in value when redeemed for travel through Scotia Rewards.

On top of that, earn points on your everyday purchases:

  • 2 points per $1 on groceries, restaurants, entertainment, and daily transit, and
  • 1 point per $1 spent on everything else.

Where this card really shines in rewards is the annual bonus it hands out. Spend 40K per year on this card and you’ll get a 10,000 point bonus. For every 10K you spend above that, get another 2,000 bonus points.

But its best feature? It charges no foreign transaction fee. Save yourself the usual 2.5% fee on purchases made in currencies other than CAD that other cards charge. In fact, it’s our #1 rated foreign transaction fee credit card in Canada right now.

Throw in great insurance – including travel insurance coverage for anyone over 65 – and a priority pass membership with 6 free visits, and you’ll be able to relax and put your mind at ease while you’re out travelling.

$100 bonus in travel rewards for no annual fee

* This offer is not available to residents of Quebec. For residents of Quebec, please click here.

Another MBNA Rewards card to grace our list, the is also offering a great sign up bonus.

You can earn up to 10,000 bonus points:

  • 5,000 after your first purchase and
  • 5,000 after signing up for e-statements.

And you’ll also earn 4 points per $1 spent on gas, groceries, and restaurant purchases in the first 3 months.

On top of that, you’ll earn MBNA Points at these great regular rates:

  • 2 points per $1 on gas, groceries, and restaurants (up to $5,000 spent annually in each category), and
  • 1 point per $1 on all other purchases.

Pretty sweet for a no fee card.

And what’s more, this card has no income requirements, making it available to more Canadians.

5% cash back for 6 months, best flat cash back earn rate

For a top cash back card that offers a great sign-up bonus and a high earn rate on every purchase, the could be for you.

For the first 6 months, your earn rate is 5% on the first $6,000 in spend. That right there is $300 in cash back rewards.

Afterwards, you’ll still get a high earn rate of 2% on all purchases – the best flat cash back rate in Canada. Plus, there’s no caps to worry about either.

Throw in 9 types of insurance coverage and it’s also good for covering you while you travel.

For simple cash back rewards and no-hassle earn rates, Amex has a great cash back card for you to carry.

5x the points in the first 3 months, first year free

For a large sign-up bonus you can use for any type of travel, the will help you scratch your travel itch.

You can earn a welcome bonus of up to 80,000 points:

  • 20,000 points after making your first purchase,
  • 5x the points in the first 3 months, until 60,000 points have been earned.

Just note that the 5x points in the first 3 months also includes what you’d be earning on your regular spending anyway.

You’ll also get a high earn rate on every purchase:

  • 9 points per $1 spent at Expedia For TD, and
  • 3 points per $1 spent everywhere else.

That’s a 4.5% return on your travel purchases, one of the best out there for travel. And you still get a return of 1.5% on all other purchases.

Throw in the first year free and TD is giving you every reason to take this card for a test drive.

For lots of points you can earn on any travel purchase, TD has a great candidate for you. This offer ends on March 2, 2020.

We want to hear from you

What deal will you take advantage of this month?

Is there one we haven’t mentioned?

Let us know in the comments below.