The worst part about summer is how quickly it ends.

And with August in full swing, it will be September before we know it.

And as much as some of us hate to admit it “back to school” or “back to reality” routines are just around the corner.

With school supplies to buy and healthy lunches to plan, we have a lot on our minds and extra strain on our wallets.

If you’re going to be making purchases, make sure you have a credit card in your wallet that is going to work for you.

Here’s a list of the best credit card deals on the market for August.

Sign-up bonus of 500 AIR MILES – no annual fee

If you’re an AIR MILES collector, you know that keeping track of all the stores where you can actually earn AIR MILES is not the easiest thing.

Adding an AIR MILES credit card to your wallet, however, could make your summer a little easier.

Take the BMO AIR MILES Mastercard, for instance. This card will give you AIR MILES reward miles everywhere you shop.

AIR MILES which you can use for a number of different things:

  • in-store and online cash rewards,
  • merchandise,
  • travel,
  • events and attractions, and even
  • entries into AIR MILES dream sweepstakes.

To sweeten the deal, this BMO AIR MILES credit card will have you earning twice as many miles at select AIR MILES partner locations – 1 mile for every $10 spent – which is pretty sweet for a no fee credit card.

Find out all the details here:

Low variable interest rate on purchases and cash advances

If the summer heat makes it hard for you to think straight (no judgment here), the last thing you want to do is forget to pay your credit card bill.

However…sometimes it happens.

Although paying interest is NEVER ever fun, with National Bank Syncro Mastercard you can at least take comfort in the fact that you will NOT be paying soul-crushing 20% in interest.

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

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

This summer you won’t need to worry about high interest rates, high annual fees, or purchasing extra warranties on your purchases.

Find out all the details here:

Up to 4% cash back + first year free

With MBNA’s recent announcement, many people are in search of a new cash back credit card.

And if major cash back rewards are on your “back to school” shopping list, the Scotia Momentum Visa Infinite Card could be a great card to add to your wallet.

Here’s what’s up for grabs:

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

Valuable 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

1% cash back, 0% foreign transactions, and no annual fee

If you can’t justify the annual fee for the card above, thankfully there are a few no fee options out there.

The Home Trust Preferred Visa will not only waive foreign currency transaction fees, but it will also give you 1% cash back on all your purchases – which is pretty solid for a no fee card.

On top of that, this card does come with 2 different types of insurance, including Rental Car coverage, which will save you money if you plan on renting any cars this summer.

Plus, the Home Trust Preferred Visa also comes with roadside assistance – at no additional cost. No one wants to get trapped on the side of the highway, in this heat, with a flat tire or no gas.

Get all the details right here:

A sign-up bonus of 35,000 points + VIP airport lounge access

If you’re looking for a card that will give you valuable rewards that you can use for a number of different things this summer, the BMO World Elite Mastercard is an incredibly flexible rewards card that starts you off with 35,000 BMO Reward points.

Not sure what that really means?

Check out some of the things you could get when redeeming your BMO Rewards:

Reward Cost BMO Rewards
Flight from Toronto to Montreal $235.82 (round-trip, taxes included) 33,014 points
4 nights at Las Vegas Hotel $249.00 ($55.09/night, taxes included) 34,859 points
Best Western Hotel gift card $200 35,000 points
Female Fossil Watch $150 on Fossil website 25,000 points
Whale Watching Tour in Nova Scotia for 2 $100 13,200 points

What’s more? You get 14 types of insurance plus 24/7 Concierge Service ‒ two nice things to have when traveling.

Plus, the BMO World Elite Mastercard will also give you access to Mastercard Airport Experiences Provided by LoungeKey as well as 4 annual lounge passes, allowing you to travel hassle free.

Get the details right here:

Related: 16 Types of Credit Card Insurance (You May Not Know About)

$250 in annual travel credits + insurance coverage over 65

The National Bank World Elite Mastercard is a great card for anyone looking for a premium travel card with lots of perks.

This card will make your travel plans easier by giving you:

  • 24/7 concierge,
  • unlimited lounge access at the Montreal airport,
  • impressive travel insurance that covers travelers over the age of 65,
  • purchase insurance that covers you twice as long as most other credit cards, and…
  • up to $250 in annual travel fee reimbursements.

With this travel credit card, you’ll earn valuable rewards with every purchase you make and those rewards are worth more (between 2% and 2.5%) on all your foreign currency transactions ‒ making that 2.5% foreign transaction fee a lot easier to stomach.

Get all the details right here:

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

Which of these credit card offers is for you?

Are you hoping to earn some cash back while you do your back to school shopping?

Or are you looking to earn some valuable travel rewards to use this fall to help stretch your summer out a little longer?

Or maybe you just want a card that will charge you less interest on the purchases you’re making?

No matter what you’re looking for…here are our top credit card offers for August:

Credit Card Deal Annual Fee Income Requirement Apply
BMO AIR MILES Mastercard 500 bonus AIR MILES + no annual fee $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 Apply
Home Trust Preferred Visa 0% foreign transactions + free roadside assistance $0 $0 Apply
BMO World Elite Mastercard 35,000 sign up points + no annual fee $150 $80,000 Apply
National Bank World Elite Mastercard $250 annual travel rebate + insurance over 65 $150 $80,000 Apply