November is here, and so are our hottest offers of the year. We've got an amazing list of hot credit card offers, including bonus cash back and piles of rewards points. And if your goal is saving on credit card interest while you pay off your debt, there are some excellent balance transfer offers to consider.
For the entire month of November, our Black Friday$ deals will feature new offers every week, with up $
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The best credit card deals in Canada
Here's our summary of the best credit card deals in Canada right now.
| Credit Card | Credit Card Offer | Annual Fee | Income Requirements | Apply Now |
|---|---|---|---|---|
| BMO Blue Rewards World Elite Mastercard | *  $250 GeniusCash* Up to 115,000 bonus points (terms) | $150, first year free | $80K personal/$150K household | Apply Now |
| Wealthsimple Visa Infinite + | * 5% cash back for the first 35 days, up to $10,000 spent (terms) | $240 | $80K personal/$150K household | Apply Now |
| BMO eclipse Visa Infinite Privilege | * $100 GeniusCash * Up to 200,000 bonus points (terms) | $599 | $150K personal/$200K household | Apply Now |
| BMO Ascend World Elite Mastercard | * $125 GeniusCash * Up to 115,000 bonus points (terms) | $150, first year free | $80K personal/$150K household | Apply Now |
| United MileagePlus Neo World Elite Mastercard | * $125 GeniusCash * Up to 20,000 bonus points (terms) | $150 | $80K personal/$150K household | Apply Now |
| Scotiabank Gold American Express | * $150 GeniusCash * Up to 65,000 bonus points (terms) | $120 | $12K personal | Apply Now |
| TD First Class Travel Visa Infinite | * $75 GeniusCash * Up to 160,000 bonus points (terms) | $139, annual fee rebate for the first year | $60K personal/$100K household | Apply Now |
| American Express Cobalt | * $200 GeniusCash * Up to 15,000 welcome bonus points (terms) | $191.88, charged out as $15.99 per month | None | Apply Now |
| BMO Preferred Rate Mastercard | * 0% interest for 18 months (3% fee) – one of the best balance transfer offers in Canada (terms) | $29, first year free | None | Apply Now |
| Scotiabank Momentum Visa Infinite | * $150 GeniusCash * 10% cash back for the first 3 months, up to $2,000 in spend (terms) | $120, first year free | $60K personal/$100K household | Apply Now |
| Tangerine Rewards World Elite Mastercard | * $130 GeniusCash * Up to 50,000 bonus points (terms) | $120 | $80K personal/$150K household | Apply Now |
| TD Aeroplan Visa Infinite | * Up to 50,000 welcome bonus points (terms) | $139 | $60K personal/$100K household | Apply Now |
| RBC Avion Visa Infinite | * Up to 70,000 bonus points (terms) | $120 | $60K personal/$100K household | Apply Now |
| Marriott Bonvoy American Express | * Up to 70,000 bonus points (terms) | $120 | None | Apply Now |
EXCLUSIVE: Up to 115,000 bonus points, 4 airport lounge passes per year, and $250 GeniusCash
$250 GC Boost + Exclusive: Up to 115,000 bonus points + 4 airport lounge passes.*
GC: $175 + $75
We are running a very hot deal with the BMO Blue Rewards World Elite Mastercard. For a limited time, we have an exclusive offer on this card – earn up to 115,000 bonus points after spending $5,000 in the first 110 days, $10,000 in the first 6 months and $20,000 in the first year.
You'll also earn $250 on approval through our GeniusCash bonus program with this card.
On your purchases, here's how many Blue Rewards points you'll earn:
- 10 points per $1 spent at Blue Rewards partners, up to $25,000 spent per year*
- 2 points per $1 spent on groceries, gas, electric vehicle charging, wholesale, and alcohol purchases, up to $500 spent per month on each*
- 1 point per $1 spent on all other purchases*
This card also offers a few benefits. You'll get roadside assistance, 4 airport lounge passes per year, and 12 types of insurance, for a $150.
5% cash back for the first 35 days, up to $10,000 spent, 2% cash back on all purchases, no foreign exchange fees
The Wealthsimple Visa Infinite + Credit Card is a rare credit card with a single high earn rate on all your purchases. You'll earn a simple 2% cash back on all purchases – no caps, tiers, or categories to fuss over.
To start you out, you'll earn 5% cash back for the first 35 days, up to $10,000 spent.
The goodies don't end there. This credit card doesn't charge any foreign exchange fees. It also includes 9 types of insurance.
And while it does have a high annual fee of $240, you have 2 ways to waive it:
- Maintain $100,000 in assets with Wealthsimple, or
- Direct deposit at least $4,000 per month into a Wealthsimple Chequing account.
You can also upgrade to the Wealthsimple Visa Infinite Privilege Credit Card if you meet the high income requirements ($150K personal/$200K household). It's basically the same card, except you also get Visa Infinite Privilege benefits, which includes 6 airport lounge passes per year.
Get up to 200,000 bonus points + up to 5x the points on purchases + $100 GeniusCash
GC: $100
The BMO eclipse Visa Infinite Privilege Card is a super-premium credit card with plenty of rewards and perks.
To start, you'll earn 200,000 after spending $6,000 in the first 110 days and $75,0000 in the first year. Redeemed for travel through BMO Rewards, those 200,000 points are worth $1,340.
The earn rates are also stellar:
- 5x BMO Rewards points for every $1 spent on travel, dining, gas, groceries, and health and wellness
- 1 point per $1 spent on all other purchases
When travelling, this card charges no foreign transaction fees, includes 10 airport lounge passes per year, and covers you with 12 types of insurance.
Plus, it has 2 unique perks:
- Annual $200 travel credit: Every year after your card's anniversary, you'll get a $200 travel credit that gets applied to your first travel purchase of $500 or more.
- 25% bonus points: Earn extra points when you add an authorized user to the account.
The entire package can be yours for an annual fee of $599. We're also tossing in $100 in GeniusCash on approval.
Get up to 115,000 bonus points and 4 free lounge passes + $125 GeniusCash
GC: $125
One of the best flexible rewards credit cards with free airport lounge access, the BMO Ascend World Elite Mastercard, has a top offer running right now: a welcome bonus of 115,000 points after spending $5,000 in the first 110 days, $10,000 in the first 6 months, and $20,000 in the first year. Redeemed for travel through BMO Rewards, those 115,000 points are worth $770.5.
Here's what you'll earn on purchases:
- 5 points per $1 spent on travel*
- 3 points per $1 spent on dining, entertainment, and recurring bills*
- 1 point per $1 spent on all other purchases*
It also has a couple of other sweet benefits:
- Mastercard Travel Pass with Dragonpass membership – including four free passes per year
- 12 types of insurance
This little package is for an annual fee of $150, which is currently waived for the first year.
We're also offering $125 in GeniusCash when you open a new account.
Earn up to 20,000 bonus miles, 5,000 bonus miles on your anniversary + $125 GeniusCash
GC: $125
The United MileagePlus Neo World Elite Mastercard is the only credit card in Canada that earns miles with a U.S. airline.
First, here's what this card earns on purchases:
- 1.25 miles per $1 spent on United and Star Alliance flights
- 1 mile per $1 spent on restaurants and groceries
- 0.75 miles per $1 spent on everything else
To get you started, you can earn 20,000 bonus miles after spending $3,000 in the first 3 months. You can also earn 5,000 bonus miles every year on your anniversary after you pay the annual fee.
To top it off, it offers a free checked bag on all United Airlines flights, for a reasonable annual fee of $89.
You can also earn $125 in GeniusCash when you open a new account.
Up to 65,000 bonus points, and $150 GeniusCash
×3 Award winner GC: $150
3x Award winner The Scotiabank Gold American Express Card is one of the best flexible rewards credit cards, and it's running a deal too good to ignore.
The welcome bonus of up to 65,000 points after spending $2,000 in the first 3 months and $7,500 in the first year is worth $650 when redeemed for travel through Scene+. We're also offering $150 GeniusCash when you open a new account.
As for your regular purchases, you'll get:
- 6 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more
- 5 Scene+ points per $1 spent on groceries, dining, and entertainment
- 3 Scene+ points per $1 spent on gas, select streaming services, and transit
- 1 Scene+ point per $1 spent on foreign currency purchases
- 1 Scene+ point per $1 spent on all other purchases
There's one more big positive to this card: no foreign transaction fees. You'll save 2.5% on any purchase not made in Canadian dollars.
It's all for an annual fee of $120 and a low personal income requirement of $12,000.
Up to 160,000 bonus points, an annual $100 travel credit, and $75 GeniusCash
GC: $75
The TD First Class Travel Visa Infinite Card offers plenty of rewards and some unique perks.
First, the welcome bonus is stellar: 160,000 TD points after spending $5,000 in the first 180 days. Those 160,000 points are worth $800 when redeemed for travel through Expedia For TD.
Here's what you'll earn in regular rewards:
- 8 points per $1 spent on travel booked online through Expedia For TD
- 6 points per $1 spent on groceries, restaurants, and public transit
- 4 points per $1 spent on recurring bill payments, streaming, digital gaming, and media
- 2 points per $1 spent on all other purchases
But of course, there's more:
- Once per year, on your anniversary, get 10% bonus points based on what you earned (up to a maximum of 10,000 points)
- Visa Airport Companion membership and 4 free passes
- An annual $100 travel credit to use at Expedia for TD
There's also $75 GeniusCash when you get approved using our offers page.
The annual fee is just $139, which is rebated with the first-year-free offer.
Best credit card in Canada – up to 15,000 bonus points + $200 GeniusCash
×9 Award winner GC: $200
9x Award winner The American Express Cobalt Card is our #1 ranked credit card in Canada – and has been for 8 years running.
Here's why: You can earn tons of points, and each one is super valuable.
The card offers a generous welcome bonus of 1,250 bonus points every month you spend $750 in the first year. That's a total of 15,000 points – worth up to $262.5.
We have our own kicker – $200 GeniusCash when you sign-up through us.
On top of that, you'll get:
- 5 points per $1 spent on eligible groceries and restaurants (up to $2,500 spent per month)
- 3 points per $1 spent on eligible streaming services
- 2 points per $1 spent on eligible gas, transit, and rideshare purchases
- 1 point per $1 spent on foreign currency purchases
- 1 point per $1 spent on all other purchases
And it's all for a manageable $15.99 monthly fee instead of an annual $191.88 payment.
Here's what those points are worth:
- Fixed Points Travel Program: The best value for Amex Membership Rewards. Here, you can use a set amount of points to fly between zones. Each point is worth up to 1.75 cents.
- Aeroplan travel: Transfer your points to Aeroplan and use them on flights. Points are worth up to 1.6 cents each this way.
- Marriott Bonvoy: Amex points transfer at a ratio of 5:6, effectively giving you a 20% bonus. With a Marriott Bonvoy point worth 1.1 cents when redeemed for hotel stays, an Amex point is worth 1.32 cents when transferred over.
- All purchases: You can also redeem points for any purchase, including travel. Each point is worth 1 cent when used this way.
The numerous options make this a truly flexible credit card.
0% interest for 18 months – one of the best balance transfer offers in Canada
If you have some credit card debt hanging around, one of the best balance transfer offers in Canada is here to save the day (and your credit score).
The BMO Preferred Rate Mastercard is offering a 0% balance transfer promo rate for an incredible 18 months with a 0% transfer fee.
This is a rare offer. You never see balance transfer promo rates that last longer than 1 year in Canada.
Since this is a low interest credit card, you'll forgo rewards and get these lower interest rates instead:
- Purchase: 13.99%
- Cash Advance: 15.99%
- Balance Transfer: 15.99%
10% cash back for the first 3 months, up to $2,000 in spend with a top rated cash back card + $150 GeniusCash
×2 Award winner GC: $150
2x Award winner One of our top-rated cash back cards, the Scotia Momentum Visa Infinite + Card offers plenty of cash back on your purchases.
How much? For starters, you'll earn 10% cash back for the first 3 months, up to $2,000 in spend, up to a maximum of $200 cash back. We're also offering $150 when you get approved.
After that, you'll earn cash back at these rates:
- 4% cash back on groceries and recurring bill payments
- 2% cash back on gas, transit, rideshares, and food delivery
- 1% cash back on all other purchases
Toss in 11 types of insurance, including mobile device coverage, and it's a great overall card for those who love their cash back.
And to top it off, the first year is free, giving you another $120 in savings for year 1.
Get up to 50,000 bonus points and choose your own rewards + $130 GeniusCash
GC: $125 + $5
The Tangerine Rewards World Elite Mastercard is the latest addition to the Scene+ credit card family.
To get you started, you'll earn 50,000 bonus points after spending $5,000 in the first 3 months and $30,000 in the first year.
When it comes to earning rewards, it's like other Tangerine Mastercards, where you get to choose what categories earn your bonus rewards from a list of 13.
- 1.5 Scene+ points per $1 spent in 3 reward categories of your choice
- 1 Scene+ point per $1 spent on all other purchases
It also offers 10,000 bonus points per year if you spend more than $30,000 annually, offers 4 free airport lounge passes, all for an annual fee of $120.
We're offering $130 GeniusCash when you get approved using our offers page.
Up to 50,000 welcome bonus points plus Air Canada perks
If you're looking for a nice welcome bonus, a suite of Air Canada perks, and an advanced earn rate, consider the TD Aeroplan Visa Infinite Card.
TD is currently running an excellent offer with this card. You'll start off with up to 50,000 welcome bonus points. You can also earn $200 GeniusCash when you sign-up through us.
For earn rates, you'll get a standard 1 Aeroplan point per dollar spent on the card, plus 1.5 points for every dollar spent in three bonus categories:
- Gas
- Groceries
- EV charging
- Air Canada purchases
To top it off, the card has a reasonable annual fee of $139 and gives you access to great Air Canada perks, like a complimentary checked bag, preferred pricing on reward flights, and 1,000 Elite Status Miles for every $10,000 spent annually.
Get up to 70,000 bonus points worth up to $1,498
×2 Award winner Up to 70,000 points + Up to 2.33% return on purchases.*
2x Award winner Up to 70,000 points + Up to 2.33% return on purchases.*
The hottest of hot offers is currently being run by the RBC Avion Visa Infinite: earn 70,000 Avion points after your account is approved, you spend $5,000 in the first 6 months, and keep your card for a year.
You get a few options when redeeming your Avion points. Here's a quick summary of your travel options and what those 70,000 points are worth.
| Travel redemption | Value of 1 point | Welcome bonus value |
|---|---|---|
| Air Travel Redemption Chart | Up to 2.33 cents | $1,631 |
| Transfer to British Airways or Cathay Pacific 1:1 | Up to 1.75 cents | $1,225 |
| Transfer points to American Airlines 10:7 | Up to 1.23 cents | $861 |
| Transfer points to WestJet 100:1 | 1 cent | $700 |
| Redeem for any travel through Avion Rewards | 1 cent | $700 |
On regular purchases, you'll earn 1 point per $1 spent (25% more on travel), and get 12 types of insurance for a $120 annual fee.
Get up to 70,000 points + free hotel night
The Marriott Bonvoy American Express Card is an excellent credit card to earn free hotel stays. The welcome offer is 70,000 after spending $3,000 in the first 3 months and $500 in month 13.
While making purchases to earn it, here's what you'll earn:
- 5 points per $1 spent at Marriott properties
- 2 points per $1 spent on all other purchases
And, it has these excellent Marriott perks.
- Annual free night certificate: After your first year, you'll get an annual free night certificate worth up to 35,000 points. Find any hotel night for that amount or less, and it's yours.
- Automatic Silver Elite status: Just by having the card, you'll get Silver Elite status, which gets you things like bonus points on stays, room upgrades, and better WiFi. You can get upgraded to Gold Elite by spending $30,000 per year on your credit card.
- 15 Elite night credits: Think of it as an easier path to Gold status. Stay 10 nights at a Marriott hotel in a year, and you'll be upgraded (it normally takes 25 paid nights).
The annual fee for this? An entirely reasonable $120 – the annual free night more than covers it.
Bonus credit card offers – up to $300 in GeniusCash
We have plenty more GeniusCash offers available right now.
Here is where you can view all of our offers.
What credit card offers are you looking at?
What credit card offer will you take advantage of this month? Is there one we haven't mentioned?
Let us know in the comments below!
FAQ
What is the best credit card in Canada?
The best credit card in Canada is the American Express Cobalt. You'll earn up to 5 points per $1 spent. With points being worth up to 1.75 cents each, this card has a fantastic return of up to 8.75% back on purchases.
What are GeniusCash offers?
GeniusCash offers are exclusive offers that pay you real cash when you apply and are approved for a financial product or service through creditcardGenius, moneyGenius, or the GeniusCash app. Offers vary and are available for limited periods. Your GeniusCash is paid out directly as real cash via PayPal or e-Transfer – whichever you prefer.
What is the best cash back credit card offer right now?
The best cash back credit card offer is with the BMO CashBack World Elite Mastercard. You'll earn up to $480 in bonus cash back over the first year. Apply for the BMO CashBack World Elite Mastercard via creditcardGenius or the GeniusCash app to get your GeniusCash.
I want to save on credit card interest – what's the best credit card deal for me?
If you need to save on credit card interest, the BMO Preferred Rate Mastercard has a fantastic balance transfer offer. This card comes with a promotional rate of 0% for 18 months on balance transfers, an excellent way to avoid paying credit card interest for more than a year.
How do I boost a GeniusCash offer?
You can "boost" a GeniusCash offer by referring a friend to the GeniusCash app. Boosting an offer means you'll get a bonus percentage of the offer on top of the flat cash value. So, if you take a $100 offer with a 20% boost, you'll get $120.
creditcardGenius is the only tool that compares 126+ features of 254 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 254 cards is for you.
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