Happy new year everyone from your creditcardGenius team!

And with the new year comes resolutions. Maybe it’s something classic like exercising or eating right. Or if you have debt (especially credit card debt), it may be time to tackle it and get that monkey off your back. Or perhaps you’re going to save up for that trip you’ve planned.

So with these in mind, credit cards can be a great tool to help. Earn extra rewards for your purchases, get a head start on your next trip, or help your finances by saving on credit card debt.

Whatever you’re into, our list has a mix of cards to suit your tastes.

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 January 31, 2020
$0 12K personal 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
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
Scotiabank Momentum Visa Infinite * 10% cash back on all purchases for 3 months (terms)
* Offer ends April 30, 2020
$120, first year free 60K personal/100K household Apply Now
Scotiabank SCENE Visa * 2,500 welcome bonus points (terms) $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
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
Marriott Bonvoy American Express * 50,000 welcome bonus points (terms)

$120 None 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
American Express Platinum Card® * 50,000 bonus points (terms) $699 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 January 31, 2020.

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

Get a $75 Amazon.ca 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 January 31 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.

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.

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

The is our #1 ranked credit card in Canada.

Why? Not only can you 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.

10% cash back for the first 3 months with our top rated cash back card

Our top rated cash back card, the offers plenty of cash back on your purchases.

How much? For started, you’ll earn 10% on all purchases in the first 3 months, until $200 cash back has been earned.

After that, keep earning plenty of cash back at these rates:

  • 4% back on groceries and recurring bills,
  • 2% back on gas and transit purchases, and
  • 1% back on everything else.

Toss in 11 types of insurance, including the rare mobile device coverage, and it’s a great overall card for those who love their cash.

2 free movie tickets, no annual fee

Going to the movies can mean an expensive night out – between the cost of the tickets itself plus any snacks you may wish to get.

You’re probably going to go see a movie eventually, so why not get your movie ticket for free? Lucky for you, there’s a card to get free movie tickets – the . Earn SCENE points on every purchase you make.

To start, you can earn 2,500 SCENE points after spending $500 in the first 3 months. That’s worth 2 free general admission or 3D movie tickets, or 1 enhanced ticket like UltraAVX or Imax (with some points leftover).

Here’s what you earn for SCENE points on your day-to-day purchases:

  • 5 points per $1 spent at Cineplex, and
  • 1 point per $1 spent everywhere else.

We value a typical SCENE point at 1.05 cents when redeemed for free movies. That’s a 1.05% return on your base spend, and an incredible 5.25% return on Cineplex products.

And it’s all for no annual fee.

You’ll be enjoying plenty of free movies with this card in your wallet.

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 aircanada.com 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.

$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.

50,000 points and a free night stay every year

Getting free flights is great, but what happens once you get to your destination? Wouldn’t it be nice to save on your hotel bill as well?

That’s where the comes in.

To get you started, you’ll earn a welcome bonus of up to 50,000 points when you spend $1,500 in the first 3 months. That’s enough points for 3 free nights at a category 2 hotel.

And here’s what you’ll earn on all of your purchases:

  • 5 points per $1 spent at Marriott properties, and
  • 2 points per $1 spent on all other purchases.

Your Marriott Bonvoy points will get you staying at Marriott hotels for free in no time. And with over 7,000 properties worldwide, it shouldn’t be hard to find a place to stay no matter where you travel.

The card comes with these great Marriott Bonvoy perks as well:

  • free night stay every year on your card’s anniversary (worth up to 35,000 points),
  • automatic Silver Elite status,
  • Gold Elite status after spending $30,000 annually, and
  • 15 Elite Night credits every year.

That free night every year is enough to pay for the $120 annual fee and likely quite a bit more depending on the hotel you choose. On top of all that, the Silver Elite status makes your stays even better by giving you bonus points and priority check-in.

$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 you spend at least $500 in the first 3 months, 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.

Up to 50,000 welcome points and a sleek metal design

If you’re looking for a credit card to make you feel like a rock star, you might want to put at the top of your list.

Not only does it come with the best credit card perks in Canada, but now it comes in a precision-cut and engraved metal finish. That’s right, a metal credit card.

You’ll also be given a huge welcome bonus of up to 50,000 bonus American Express Membership Rewards points – worth up to $1,250 when transferred to Aeroplan miles.

On top of all this, what will you earn on your purchases?

  • 3 points for every $1 spent on eligible dining purchases,
  • 2 points for every $1 spent on eligible travel purchases, and
  • 1 point for every other $1 spent.

To get a full view of what your points could be used for, check out our How To Maximize The American Express Membership Rewards Program article.

On top of valuable (and flexible) rewards, The Platinum Card has a number of exclusive perks – many you won’t find anywhere else:

  • unlimited international lounge access for you and a guest at over 1,200 airport lounges worldwide,
  • free valet service, priority security lane, and exclusive service at Toronto Pearson,
  • a $200 annual travel credit that can be used for any travel,
  • instant hotel status upgrade to: Hilton Honors Gold, Shangri-La Golden Circle Jade, Marriott Bonvoy Gold Elite, and Radisson Rewards Gold, plus
  • travel insurance that includes in-house visits by physicians through StandbyMD Travel Medical concierge, and
  • so much more.

Although there’s a high annual fee attached to this card, if you travel frequently, it’ll save you time and money while also removing a lot of stress from the travel equation.

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.