Summer is starting to get into the swing of things.

Whether you’re cleaning up the cottage, chlorinating the pool, shining up the summer car, or planting the garden…you might as well get a new, rewarding credit card while you’re at it.

With many issuers rolling out their updated credit card welcome bonuses for the summer, we’re back with a fresh look at the hottest credit card deals happening right now.

And boy, are there some great credit card offers this month.

Let’s dive in.

Credit Card Credit Card Offer Annual Fee Income Requirements Apply Now
Tangerine Money-Back Mastercard * 4% cash back on your chosen categories (terms)
* Offer ends July 31, 2019
$0 None Apply Now
TD Cash Back Visa Infinite* * 10% cash back on all purchases (terms)
* Offer ends September 20, 2019
$120, first year free 60K personal/100K household Apply Now
MBNA True Line® Mastercard® 0% interest on for 10 months – best balance transfer offer in Canada (terms) $0 None Apply Now
TD Platinum Travel Visa* * 35,000 bonus points (terms)
* Offer ends September 3, 2019
$89, first year free None Apply Now
American Express Cobalt * 30,000 bonus points (terms)
* Best credit card in Canada
$120, charged out as $10 per month None Apply Now
National Bank mycredit Mastercard * Up to 6% cash back (terms)
* Mobile device protection
* Offer ends June 30th.
$0 None Apply Now
TD® Aeroplan® Visa Infinite* * Up to 25,000 bonus miles (terms)
* Air Canada benefits
* Offer ends September 3, 2019.
$120, first year free 60K personal/100K household Apply Now
MBNA Rewards World Elite® Mastercard® * 20,000 welcome bonus (terms) $120 80K personal/150K household Apply Now
Marriott Bonvoy American Express * 50,000 bonus points (terms)
* Annual free night stay
$120 None Apply Now
Scotiabank Gold American Express * Coming August 1 – no foreign transaction fee
* 15,000 bonus points (terms)
$99 $12K personal Apply Now
National Bank World Elite Mastercard * $250 in annual travel reimbursements (terms)
* First year free ends June 30, 2019
$150, first year free $80K personal/150K household Apply Now
MBNA Rewards Platinum Plus® Mastercard® * 10,000 welcome bonus (terms) $0 None Apply Now
BMO® World Elite™* Mastercard®* * 35,000 bonus points (terms) $150, first year free $80K personal/150K household Apply Now
Rate Your Wallet and find your perfect match.

Earn 4% cash back on your chosen categories for 3 months

The Tangerine Money-Back Mastercard has finally come out with a sign-up bonus and we’re loving it.

For new applicants, until July 31, 2019, you’ll get unlimited 4% cash back (a 2% increase) on your 2 (or 3, if you have a Tangerine chequing account) higher earning categories for 3 months.

The best part? You get to pick those higher earning categories from a list of 10:

  • grocery,
  • furniture,
  • restaurants,
  • hotel-motel,
  • gas,
  • recurring bills,
  • drugstore,
  • home improvement,
  • entertainment, and
  • public transportation and parking.

All that flexibility makes this the ideal card for all your favourite summertime activities, like renovations, redecorating, road trips, nights out on the town… It’s the perfect time to take advantage of this great sign-up bonus.

Get the full details here:

10% cash back on all purchases + first year free

One of the top cash back cards in Canada is getting a new 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, available until September 20, 2019.

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 as well.

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 though is complimentary roadside assistance.

Although winter is finally behind us and you won’t be stranded in the dead cold of a Canadian winter should your car break down…it’s definitely a handy feature to have for summer road trips should you find yourself in a pickle.

Get the full details here:

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

If you’re still struggling to pay off some of that high-interest Christmas shopping debt, 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.

Get the full details here:

Premium travel card with no income requirements + increased welcome bonus

If you have your eye on a premium travel credit card but wince every time you hear its annual fee or income requirements, the TD Platinum Travel Visa* might just be that happy medium that you’re looking for.

For a reasonable $89 annual fee, which is waived the first year, you can earn:

  • 2 points per $1 spent on all other purchases,
  • 3 points per $1 spent on groceries and recurring bills (up to $15,000 spent per year for each category), and
  • 5 points per $1 spent on travel booked online through Expedia For TD.

Plus, TD just announced an increased welcome bonus of 35,000: 15,000 after your first purchase and 20,000 after spending $2,000 in 90 days – a $175 value.

This offer is available until September 3, 2019.

Get all the details here:

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

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

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 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.

Get the full details here:

Up to 6% cash back, mobile device protection, and no annual fee

Looking for a no fee card with a good welcome bonus? The National Bank mycredit Cashback Mastercard has you covered.

To get you started, you’ll earn 6% cash back on restaurant purchases and recurring bill payments, as well as 2% on all other purchases up to a maximum of $125 in cash back earned.

After your welcome bonus ends, you’ll earn 1% cash back on restaurants and recurring bills, and 0.5% on everything else.

This card also comes with the rare mobile device protection. For coverage to take effect, you have to charge the full cost of your new mobile device to your credit card, or if the cost was paid (or partially paid) as part of a mobile plan, charge the monthly bill to your card.

You could get up to $1,000 in coverage if something happens to your phone in the first 2 years.

Get the full details here:

25,000 bonus Aeroplan miles and the first year free

One of our top Aeroplan credit cards, the TD® Aeroplan® Visa Infinite* Card, has a truly outstanding deal right now set to end on September 3, 2019.

As part of signing up, you’ll earn up to 25,000 Aeroplan miles – 15,000 after your first purchase, and another 10,000 after spending $2,000 in the first 3 months. That’s worth 1 long haul round trip flight within Canada and the Continental U.S.

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 (excluding Air Canada Vacation packages), and
  • 1 mile per $1 spent on everything else.

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

Add it all up, and you’ve got a card that will earn you tons of Aeroplan miles and make your rewards flights more enjoyable.

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

Get the full details here:

Earn double the welcome bonus points for a limited time

For a limited time, the MBNA Rewards World Elite® Mastercard® is doubling its welcome bonus from 10,000 to 20,000 points, giving you an awesome $166 value.

You’ll receive:

  • 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 your purchases.

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

Get all the details here:

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 Marriott Bonvoy American Express card 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 cards 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 for your free night. On top of all that, the Silver Elite status makes your stays even better by giving you bonus points and priority check-in.

Get the full details here:

Coming soon: best in class multipliers and no foreign transaction fees

Though this card has already been a fan favourite for its super-flexible rewards and 4x high earn rates, it’s about to get even better. And no, this time it’s not an April Fool’s joke.

Coming August 1, 2019, the Scotiabank Gold American Express will no longer be charging foreign exchange fees in addition to its long list of other perks. Add to that its 15K welcome bonus, and you’ve got yourself the card of the summer.

Although it’s getting some improvements, there are a few downsides.

Some of the insurance coverage, most notably travel insurance for people over 65, will be taking a hit for the team. Its annual fee will also be increased by $21, from $99 to $120.

All the more reason to get it now, save on the increased fee in your first year, and maybe take advantage of the extra insurance coverage while it lasts.

For all the details, check out our news post highlighting the upcoming changes here.

$250 in annual travel reimbursements and first year free

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.

There’s no welcome bonus for this card and it has an average 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, 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. Good but not great.

But, it makes up for it 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 (at least 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 it all up, and National Bank has a great offer for your travel needs. Plus, for a limited time, get the first year free.

Get the full details here:

Doubled welcome bonus, no annual fee + no income requirements

Another MBNA Rewards card to grace our list, the MBNA Rewards Platinum Plus® Mastercard® is also getting a doubled welcome bonus for a limited time.

You’ll get 10,000 points instead of 5,000:

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

Pretty sweet for a no fee card.

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

Get all the details here:

4 complimentary lounge passes + first year free

The BMO® World Elite™* Mastercard®* doesn’t disappoint with its 35,000 bonus points – worth about $235 – and first year free. That’s another $150 to get you ahead.

And by having this card in your wallet, not only will you get free lounge membership to the Mastercard Airport Experiences Lounges, but you’ll also have access to 4 complimentary passes – the most out of any other card.

Visits are normally $27 USD per person, per visit. That’s a savings of almost $150 when converted to CAD.

Where this card truly shines though is insurance. Out of the 16 different types of coverage available through Canadian credit cards, this card gives you 14. “Peace of mind” is this card’s middle name.

Here’s a more detailed look at what you’ll get for insurance:

More details can be found here:

Wrapping it up

What’s your favourite deal?

Hopefully there’s something on this list for you.

Not finding something that suits you? Try our matchmaking tool, Rate Your Wallet, and see which card will fit your wallet like a glove.