October is a beautiful month (unless you live in Southern Alberta where you’ve already seen snow).

Thanksgiving is coming up, and that means you get to enjoy everything pumpkin flavoured – from pies to lattes.

And it’s practically nirvana for sports fans.

The new NHL & NBA seasons are about to start. The NFL is in full swing, it’s MLB playoffs time, and the stretch run of the CFL season – there’s never a dull moment.

While you’re enjoying October, don’t forget about your wallet. Our listings here have some of the best credit card offers currently available. Whether you’re after travel, cash back rewards, no annual fee, or interest savings – there’s a card here for you.

Credit Card Credit Card Offer Annual Fee Income Requirements Apply Now
Scotiabank Gold American Express * Up to 30,000 bonus points (terms)
* $100 Amazon gift card to all those who are approved and apply for this card through creditcardGenius until October 25, 2019.
$120 $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
TD Cash Back Visa Infinite* * 10% cash back on all purchases in the first 3 months (terms)
* Offer ends December 1, 2019
$120, first year free 60K personal/100K household Apply Now
American Express® AeroplanPlus®* Platinum Card * 40,000 bonus miles
* $150 Air Canada eGift card (terms)
$499 None Apply Now
MBNA True Line® Mastercard® * 0% interest on for 10 months – best balance transfer offer in Canada (terms) $0 None Apply Now
National Bank ECHO Cashback Mastercard * Welcome bonus of up to $120 cash back (terms)
* Offer ends October 31, 2019
$30 None Apply Now
MBNA Rewards World Elite® Mastercard® * 20,000 bonus points (terms) $120 None Apply Now
BMO® AIR MILES®† World Elite®* Mastercard®* * Up to 3,000 bonus miles (terms)
* Offer ends October 31, 2019
$120, first year free $80K personal/150K household Apply Now
TD First Class Travel Visa Infinite* * 20,000 bonus points after the first purchase (terms)
* 10,000 points after adding an authorized user
* 2x the points in the first 3 months
* Offer ends December 1, 2019
$120, first year free 60K personal/100K household Apply Now
MBNA Rewards Platinum Plus® Mastercard® * 10,000 welcome bonus points (terms) $0 None Apply Now
BMO® CashBack® Mastercard®* * 5% cash back in the first 3 months (terms)
* Offer ends October 31, 2019
$0 None Apply Now
Best Western Mastercard® credit card * 20,000 bonus points (terms)
* 1.99% balance transfer rate for 10 months
$0 None Apply Now
TD® Aeroplan® Visa Infinite* * 15,000 bonus miles after the 1st purchase (terms)
* 5,000 miles after adding an authorized user
* Earn 2x the miles in the first 3 months
* Offer ends December 1, 2019
$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 October 31, 2019
$150 $80K personal/150K household Apply Now
Plus up to $300 travel bonus.
Ends October 25th.

30,000 bonus points and a $100 Amazon e-gift card

Want plenty of flexible travel points, and no foreign transaction fees?

The Scotiabank Gold American Express will offer you both.

First off, you’ll get a welcome bonus of up to 30,000 points – 25,000 after spending $1,500 in the first 3 months, and another 5,000 when you spend $10,000 in the first year.

And you’ll earn Scotia Rewards points at these great rates on your daily spending:

  • 5 points per $1 on groceries, restaurants, and entertainment,
  • 3 points per $1 on gas, transit, and select streaming services, and
  • 1 point per $1 on everything else.

To top it off, when you use your points towards your next vacation (and it’s outside Canada), you’ll also enjoy no foreign currency fees, saving you 2.5% on all of your vacation spending.

And if all that wasn’t enough, until October 25th, we’re throwing in a $100 Amazon e-gift card when you get approved as well.

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

The best credit card in Canada, the American Express Cobalt Card, graces our list with its outstanding 30K welcome bonus. All you have to do is spend at least $500 per month for 12 months, and the full bonus will be yours.

Considering the average family of 4 in Canada will spend around $1,000 per month on groceries alone in 2019, this welcome bonus is as good as earned.

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.

All for a super manageable $10 monthly fee.

And with a multitude of ways to use your Membership Rewards points, you’ll be earning high value, flexible rewards that can be used for almost anything.

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 TD Cash Back Visa Infinite* is offering 10% cash back on absolutely all purchases, up to $2,000 in spending in the first 3 months. 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 coming up, (or possibly already here, depending on where you live) you won’t have to be worried 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.

40,000 welcome bonus miles and a $150 Air Canada eGift Card

For an Aeroplan card that offers a large welcome bonus and premium perks, look no further than the American Express® AeroplanPlus®* Platinum Card.

To start, it comes with a large welcome bonus of 40,000 Aeroplan miles after spending $3,000 in the first 3 months.

But the bonus doesn’t stop there. Spend $6,000 in the first 6 months, and you’ll also receive a $150 Air Canada eGift Card.

It also comes with high earn rates on all of your purchases:

  • 1.25 miles per $1 on the first $25,000 in annual spend, and
  • 1.5 miles per $1 after that.

As for perks? It offers a lengthy list:

  • unlimited access to both Air Canada Maple Leaf & Priority Pass lounges,
  • priority check-in with Air Canada,
  • benefits at Toronto-Pearson airport, including priority security screening, and
  • an annual partner ticket when you redeem 15,000 miles for a short-haul Fixed Mileage flight.

For an annual fee of $499, this card offers great rewards and life in the fast lane.

0% interest on balance transfers for 10 months, best offer in Canada

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 MBNA True Line Mastercard is offering a 0% balance transfer promo rate for 10 months.

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.

Up to $120 cash back, best cash back card for online shopping

For plenty of cash back and a credit card that rewards you for shopping online, look no further than the National Bank Echo Mastercard.

To start, you can earn up to $120 cash back as a bonus. Every month spend $200 in the first year, you’ll receive $10 cash back.

On top of this, here’s what you’ll earn on your day to day purchases:

  • 1.5% cash back on gas, groceries and online shopping (not including travel),
  • 1% cash back on all other purchases.

For no income requirement and a low annual fee of $30, you’ll be earning quite a bit of cash back on not only your online shopping, but gas and groceries, too.

Related: Earn Rewards On Your Amazon Purchases With These 4 Credit Cards

$200 in travel rewards, 2% return in flexible rewards

For flexible rewards and a high earn rate on any purchase, the MBNA Rewards World Elite® Mastercard® may be up your alley – especially if you’re a Costco shopper.

To get started, you’ll get:

  • 15,000 points after making your first purchase on the card, and
  • 5,000 more when you sign up for e-statements.

On top of that, you’ll earn 2 points per dollar spent on absolutely all of your purchases. With an MBNA Rewards point worth 1 cent when redeemed for travel, that’s a flat 2% return on every purchase.

It doesn’t get much simpler than that – no tiers, caps, or spending limits. A truly great card for Costco lovers.

3,000 bonus AIR MILES miles + first year free

Right now, the BMO AIR MILES World Elite Mastercard is offering new applicants quite the treat.

You’ll pay a $0 annual fee for the first year and get a sign-up bonus of 3,000 miles (enough for 2 short-haul flights).

Even without a great welcome bonus, 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,
  • a 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.

Since it’s a Mastercard, you don’t need to worry about acceptance – as long as where you’re shopping takes credit cards. This makes it the best travel credit card for all those trips to Costco.

2x 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 TD First Class Travel Visa Infinite* will let you scratch your travel itch.

You can earn a welcome bonus of up to 90,000 points:

  • 20,000 points after making your first purchase,
  • 10,000 points when you add an authorized user, and
  • 2x the points in the first 3 months, until 60,000 points have been earned.

Just note that the 2x points in the first 3 months also includes what you’d be earning on your regular spending.

You’ll also get a high earn rate on any 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.

$100 bonus in travel rewards for no annual fee

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

You can earn up to 10,000 points:

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

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

  • 2 points per $1 on gas, groceries, and restaurants, 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 the first 3 months, no annual fee

If a basic, no fee cash back card is what you’re looking for, the BMO CashBack Mastercard should be at the top of your list.

For starters, you’ll earn 5% cash back in the first 3 months, on the first $2,000 in spend. That right there will earn you a cool $100.

Then, earn a straightforward 1% cash back on every purchase you make. There’s no cap, tiers, or categories to worry about.

And best of all, you decide when you want to redeem your rewards. Once you’ve accumulated $50 in cash back you can either:

  • get a statement credit,
  • deposit into a BMO bank account, or
  • make a contribution to your BMO Investorline account.

For no annual fee, this card is the complete no fee, cash back package.

20,000 bonus points and no annual fee

Looking to get a free night stay for your points? Then look no further than the Best Western Mastercard® credit card.

To start, you’ll earn 20,000 Best Western points after your first purchase – enough for a free night stay.

And you’ll earn Best Western points on every purchase:

  • 5 points per $1 at Best Western properties, and
  • 1 point per $1 on all other purchases.

As an added bonus, you can also transfer your points to Aeroplan at a 5:1 ratio. It’s not the best use of your points, but if you have no plans to stay at a Best Western any time soon, it’s another option to consider

Throw in a great balance transfer of 1.99% interest for 10 months and this card can also save you on your existing credit card debt, too.

The best part? It’s all for no annual fee or income requirements.

2x the Aeroplan miles in the first 3 months and the first year free

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

As part of signing up, you’ll earn up to 40,000 Aeroplan miles:

  • 15,000 after the first purchase,
  • 5,000 when you add an authorized user, and
  • 2x the miles in the first 3 months, until 20,000 miles have been earned.

Just note that the 2x the miles also includes what you’d normally earn on your spending.

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, drugstore and aircanada.com purchases, plus
  • 1 mile per $1 spent on everything else.

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

Add it all up and you’ve got a card that will earn you tons of Aeroplan miles, all while making your reward flights even 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 you money while travelling, the National Bank World Elite Mastercard fits the bill.

It’s currently offering a top notch sign-up bonus. Until October 31st, you can earn $40 cash back for every month you spend $500 in the first year. That’s up to $480 in your pocket.

On top of that, you still earn 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 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:

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.