Credit card welcome offers are the fastest way to earn plenty of valuable travel reward points.
Almost every good welcome bonus requires a minimum spend in the first few months. It’s important that you understand the requirements and have a plan to meet the minimum spend before applying.
Cards with the best welcome offers come with an annual fee. However, the value of the welcome bonus, the ongoing earning rates, and the benefits far outweigh the fees for the cards we recommend.
Some cards’ welcome offers consistently stand out. The American Express® Platinum Card and American Express® Business Platinum Card typically offer the highest welcome bonuses in Canada.They are a great option when you have large upcoming purchases.
Best cards by program
The AWP Newsletter
Fuel your adventures with points
Sign up to get your free guide. Get our newsletter with credit cards and points tips. See how easy it is to travel for nearly free.
The AWP Newsletter
Fuel your adventures with points
Sign up to get your free guide. Get our newsletter with credit cards and points tips. See how easy it is to travel for nearly free.
Elevated welcome offers don’t last long. Applying when a card has a strong offer is the best way to maximize your value.
Pairing a high welcome offer with strong everyday earning helps you collect more points and get closer to nearly free travel.
Here’s our hand picked list of the best credit card offers in Canada for November 2025.
Best reward cards
-
Best Everyday Card
American Express® Cobalt Card
Terms & Conditions apply
New cardholders can earn up to 15,000 bonus Membership Rewards® points with the American Express® Cobalt Card
- You’ll earn 1,250 Membership Rewards® points each month when you spend $750 in that month, for the first 12 months.
This offer makes it easy to earn rewards through regular monthly spending on groceries, restaurants, and food delivery.
- With the American Express® Cobalt Card, you’ll earn Membership Rewards® points per $1 on eats & drinks in Canada, up to $2,500 per month.
- You’ll earn valuable Membership Rewards® points on all your purchases. Points can be transferred to top airline and hotel partners.
- At Adventures With Points (AWP), we value Membership Rewards® points at 2.2 cents per point.
Welcome Points: 15,000
Welcome Value: $590
Annually Fee: $191.88 ($15.99 Monthly)
-
Best Mid-Tier Aeroplan® Card
TD® Aeroplan® Visa* Infinite Card
Terms & Conditions apply
New cardholders can earn up to 45,000 bonus Aeroplan® points with the TD® Aeroplan® Visa* Infinite Card.
- You’ll earn 10,000 Aeroplan® points after your first purchase.
- Then earn 15,000 more Aeroplan® points after spending $7,500 in the first 6 months.
- Plus, earn another 20,000 Aeroplan® points after card anniversary and spending $12,000 in the first 12 months.
- With the TD® Aeroplan® Visa* Infinite Card, you’ll earn 1.5 Aeroplan® points per $1 on gas, groceries, electric vehicle charging, and Air Canada purchases.
- The TD® Aeroplan® Visa* Infinite Card is the best mid-tier Aeroplan® Card in Canada.
- You’ll have a widely accepted Air Canada Aeroplan® Visa* Card with a 1st year fee rebate.
- You’ll get a free checked bag on Air Canada flights for you +8 companions and $100 NEXUS Credit.
- Plus, you’ll get excellent travel insurance.
Welcome Points: 45,000
Welcome Value: $1,819
Annual Fee:$139. 1st Year Rebate
-
Best Luxury Business Travel Card
American Express® Business Platinum Card
Terms & Conditions apply
New cardholders can earn up to 120,000 Membership Rewards® points with the American Express® Business Platinum Card
- You’ll earn 80,000 Membership Rewards® points after spending $15,000 in the first 3 months.
- Plus, earn an additional 40,000 Membership Rewards® points after a purchase between 15 and 17 months.
- You’ll earn 1.25 Membership Rewards® points per $1 on everything. Points can be transferred to top airline and hotel partners.
- The American Express® Business Platinum Card is the best luxury small business travel card in Canada.
- You’ll get several annual statement credits: $200 Travel Credit, $200 Dell Credit, $120 Wireless Credit, $240 Instacart Credit and $100 NEXUS Credit.
- You’ll enjoy unlimited access to 1,300 Airport Lounges worldwide for you and a guest.
- You’ll get Gold Elite Status with Hilton Honors, Marriott Bonvoy®, and status with Avis, Hertz, and National. You’ll also get access to Fine Hotels + Resorts.
- Plus, you’ll get excellent travel insurance.
Welcome Points: 120,000
Welcome Value: $5,100
Annual Fee: $799
-
Best Luxury Travel Card
American Express® Platinum Card
Terms & Conditions apply
New cardholders can earn up to 100,000 Membership Rewards® points with the American Express® Platinum Rewards Card
- You’ll earn 70,000 Membership Rewards® points after spending $10,000 in the first 3 months.
- Plus, earn an additional 30,000 Membership Rewards® points after a purchase between 15 and 17 months.
- With the American Express® Platinum Rewards Card, you’ll earn 2 Membership Rewards® points per $1 on travel, and eats & drinks in Canada. Points can be transferred to top airline and hotel partners.
- The American Express® Platinum Rewards Card is one of the best luxury travel cards in Canada.
- You’ll get several annual statement credits: $200 Travel Credit, $200 Dining Credit, $240 Instacart Credit and $100 NEXUS Credit.
- You’ll enjoy unlimited access to 1,300 airport lounges worldwide for you and a guest, including Plaza Premium, Priority Pass, Delta Sky Club® lounges when flying Delta, and more through the American Express® Global Lounge Collection™. At American Express® Centurion Lounges, you’ll get access for you plus two guests.
- You’ll get Gold Elite Status with Hilton Honors, Marriott Bonvoy®, and status with Avis, Hertz, and National. You’ll also get access to Fine Hotels + Resorts.
- Plus, you’ll get excellent travel insurance.
Welcome Points: 100,000
Welcome Value: $4,540
Annual Fee: $799
-
Best Primeum Aeroplan® Card
TD® Aeroplan® Visa* Infinite Privilege Card
Terms & Conditions apply
New cardholders can earn up to 85,000 bonus Aeroplan® points with the TD® Aeroplan® Visa* Infinite Privilege Card
- You’ll earn 20,000 Aeroplan® points after your first purchase.
- Then earn 35,000 more Aeroplan® points after spending $12,000 in the first 6 months.
- Plus, earn another 30,000 Aeroplan® points after card anniversary and spending $24,000 in the first 12 months.
- With the TD® Aeroplan® Visa* Infinite Privilege Card, you’ll earn 2 Aeroplan® points per $1 on Air Canada® purchases.
- The TD Aeroplan Visa Infinite Privilege Card is the best primeum Aeroplan® Card in Canada.
- You’ll have a widely accepted Air Canada Aeroplan® Visa* Card.
- You’ll get premium Air Canada benefits, including a free checked bag and priority check-in, boarding, and baggage handling for you and up to 8 companions.
- You’ll get unlimited Maple Leaf Lounge access for you and one guest in Canada and the U.S. Plus, 6 Visa Airport Companion Lounge passes worldwide.
- You’ll get priority security lane access at Pearson Airport and $100 annual NEXUS Credit.
- You’ll also get an annual round-trip companion pass after spending $25 K.
- Plus, you’ll get comprehensive travel insurance.
Welcome Points: 85,000
Welcome Value: $3,580
Annual Fee: $599
-
Best Mid-Tier Aeroplan®
CIBC Aeroplan® Visa* Infinite Card
Terms & Conditions apply
New cardholders can earn up to 50,000 bonus Aeroplan® points with the CIBC Aeroplan® Visa* Infinite Card.
- You’ll earn 10,000 Aeroplan® points after your first purchase.
- Then earn 20,000 more Aeroplan® points after spending $6,000 in the first 6 months.
- Plus, earn another 20,000 Aeroplan® points after card anniversary and spending $12,000 in the first 12 months.
- With the CIBC Aeroplan® Visa* Infinite Card, you’ll earn 1.5 Aeroplan® points per $1 on gas, electric vehicle charging, groceries, and Air Canada purchases.
- The CIBC Aeroplan® Visa* Infinite Card is one of the best mid-tier Aeroplan® cards in Canada.
- You’ll have a widely accepted Air Canada Aeroplan® Card with a 1st year fee rebate.
- You’ll get a free checked bag on Air Canada flights for you +8 companions and $100 NEXUS Credit.
- Plus, you’ll get excellent travel insurance.
Welcome Points: 50,000
Welcome Value: $1,919
Annual Fee:$139. 1st Year Rebate
-
Best Primeum Aeroplan® Card
CIBC Aeroplan® Visa Infinite Privilege Card
Terms & Conditions apply
New cardholders can earn up to 85,000 bonus Aeroplan® points with the CIBC Aeroplan® Visa* Infinite Privilege Card
- You’ll earn 20,000 Aeroplan® points after your first purchase.
- Then earn 30,000 more Aeroplan® points after spending $15,000 in the first 6 months.
- Plus, earn another 35,000 Aeroplan® points after card anniversary and spending $25,000in the first 12 months.
- With the CIBC Aeroplan® Visa* Infinite Privilege Card, you’ll earn 2 Aeroplan® points per $1 on Air Canada® purchases.
- The CIBC Aeroplan® Visa* Infinite Privilege Card is one of the best primeum Aeroplan® Cards in Canada.
- You’ll have a widely accepted Air Canada Aeroplan® Visa* Card.
- You’ll get premium Air Canada benefits, including a free checked bag and priority check-in, boarding, and baggage handling for you and up to 8 companions.
- You’ll get unlimited Maple Leaf Lounge access for you and one guest in Canada and the U.S. when flying on Air Canada. Plus, 6 Visa Airport Companion Lounge passes worldwide.
- You’ll get priority security lane access at Pearson Airport and $100 annual NEXUS Credit.
- You’ll also get an annual round-trip companion pass after spending $25 K.
- Plus, you’ll get comprehensive travel insurance.
Welcome Points: 85,000
Welcome Value: $3,580
Annual Fee: $599
-
Primeum Aeroplan® Card
American Express® Aeroplan® Reserve Card
Terms & Conditions apply
New cardholders can earn up to 85,000 bonus Aeroplan® points with the American Express® Aeroplan® Reserve Card
- You’ll earn 60,000 Aeroplan® points after spending $7,500 in the first 3 months.
- Plus, earn 25,000 Aeroplan® points after spending $2,500 in month 13.
With the American Express® Aeroplan® Reserve Card, you’ll earn 3 Aeroplan® points per $1 on Air Canada® purchases.
- The American Express® Aeroplan® Reserve Card is one of the best premium Aeroplan® Cards in Canada.
- You’ll get premium Air Canada benefits, including a free checked bag and priority check-in, boarding, and baggage handling for you and up to 8 companions.
- You’ll get unlimited Maple Leaf Lounge access for you plus one guest in Canada and the U.S. when flying on Air Canada.
- You’ll get priority security lane access at Pearson Airport and $100 annual NEXUS Credit.
- You’ll also get an annual round-trip companion pass after spending $25 K.
- Plus, you’ll get comprehensive travel insurance.
Welcome Points: 85,000
Welcome Value: $3,280
Annual Fee: $599
-
Best Premium Aeroplan® Business Card
American Express® Aeroplan® Business Reserve Card
Terms & Conditions apply
New cardholders can earn up to 90,000 bonus Aeroplan® points with the American Express® Aeroplan® Business Reserve Card
- You’ll earn 65,000 Aeroplan® points after spending $10,500 in the first 3 months.
- Plus, earn 25,000 Aeroplan® points after spending $3,500 in month 13.
With the American Express® Aeroplan® Business Reserve Card, you’ll earn 3 Aeroplan® points per $1 on Air Canada® purchases.
- The American Express® Aeroplan® Business Reserve Card is the best premium Aeroplan® card for business owners in Canada.
- You’ll get premium Air Canada benefits, including a free checked bag and priority check-in, boarding, and baggage handling for you and up to 8 companions.
- You’ll get unlimited Maple Leaf Lounge access for you and one guest in Canada and the U.S. when flying on Air Canada.
- You’ll get priority security lane access at Pearson Airport and $100 annual NEXUS Credit.
- You’ll also get an annual round-trip companion pass after spending $25 K.
- Plus, you’ll get comprehensive travel insurance.
Welcome Points: 90,000
Welcome Value: $3,380
Annual Fee: $599
Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it's for Canadians to earn and redeem points with the best reward credit cards and programs. Make your first redemption for almost free travel in no time.
Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it's for Canadians to earn and redeem points with the best reward credit cards and programs. Make your first redemption for almost free travel in no time.
