Summer has come and gone. And that means it’s time for back to school, back to reality, and back to beautiful fall colours.

And since the season is changing, why not take the time to see if your wallet could use some changes too?

Our listing here has some of the best credit card offers currently available. Whether you just want some cash back, travel points towards your next vacation, or want to save on credit card interest, there’s a card for you on this list.

Credit Card Credit Card Offer Annual Fee Income Requirements Apply Now
TD Cash Back Visa Infinite* * 10% cash back on all purchases (terms)
* Offer ends December 1, 2019
$120, first year free 60K personal/100K household Apply Now
American Express Cobalt * 30,000 welcome bonus points (terms)
* Best credit card in Canada
$120, charged out as $10 per month None 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
National Bank World Elite Mastercard * Welcome bonus of $480 cash back (terms)
* Offer ends October 31, 2019
$150 $80K personal/150K household Apply Now
BMO AIR MILES Mastercard * Up to 800 bonus AIR MILES (terms)
* Offer ends October 31, 2019
$0 None Apply Now
Tangerine Money-Back Mastercard * 4% cash back on your chosen categories (terms)
* Offer ends October 31, 2019
$0 None Apply Now
MBNA True Line® Mastercard® * 0% interest on for 10 months – best balance transfer offer in Canada (terms) $0 None Apply Now
MBNA Rewards Platinum Plus® Mastercard® * 10,000 welcome bonus points (terms) $0 None Apply Now
BMO® World Elite* Mastercard®* * 35,000 bonus points (terms)
* Offer ends October 31, 2019
$150, first year free $80K personal/150K household 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 mycredit Mastercard * Welcome bonus of $120 cash back (terms)
* Offer ends October 31, 2019
$0 None Apply Now
Alaska Airlines Platinum Plus Mastercard * 20,000 bonus miles (terms)
* Annual companion voucher
$75 None Apply Now
Marriott Bonvoy American Express * 50,000 welcome bonus points (terms) $120 None Apply Now
Scotiabank Gold American Express * Up to 30,000 bonus points (terms) $120 $12K personal Apply Now
Rate Your Wallet and find your perfect match.

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 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 behind us (for now) 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 road trips should you find yourself in a pickle.

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.

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.

And 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.

$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, 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.

Up to 800 bonus AIR MILES, no annual fee

If a no fee travel card is more your style, the BMO AIR MILES Mastercard is a 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.

After 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.

4% cash back on the categories you want

For a limited time, the Tangerine Money-Back Credit Card is offering you 4% cash back on the two categories you choose for 3 months after opening your account.

You can also choose a 3rd category when you have your Money-Back Rewards deposited into your Tangerine Savings account, and the other categories will earn you the standard 2% cash back.

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% and a 1% balance transfer fee.

If you were thinking of switching to Tangerine, now might be the time to try it out, risk free.

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.

$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 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.

35,000 bonus points, 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 one 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:

Up to 40,000 Aeroplan miles and the first year free

On 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, drugstores, and aircanada.com purchases, 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 free checked bag.

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

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

Up to $120 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 $10 cash back for every month you spend $200 in the first year, up to a maximum of $120 earned.

On top of that, you’ll also 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.

20,000 miles, no income requirements, and an annual companion voucher

The best things to love about the Alaska Airlines Platinum Plus Mastercard are its lower annual fee, no income requirements, and great perks.

Though you won’t be able to use your miles for flights within Canada, Alaska Airlines has 18 airline partners that can whisk you around the world.

First, earn a welcome bonus of 20,000 miles after spending $1,000 in the first 3 months.

Then, earn 1 mile for every $1 spent on the card and 3x the miles on Alaska Airlines purchases.

And on Alaska Airlines flights, you’ll get access to the card’s famous annual companion voucher. Simply book a trip on Alaska Airlines for yourself and bring someone else with you for just $99 USD plus taxes and fees.

Throw in 7 types of travel and purchase insurance and you’ve got yourself a great travel card that has a pretty low annual fee of $75.

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 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.

30,000 bonus points and no foreign transaction fees

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 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.

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.