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Determining what the best credit card deals in Canada are purely subjective. Unlike the best travel credit cards in Canada where you can actually measure things based on the signup bonus and earn rates, the best deals can be open to interpretation. With this in mind, my selections are based on actual promotions as well as benefits that you get right away without much work. Since credit card offers often change, I’ll update this article on a regular basis. Here are the best credit card deals in Canada right now.

best credit card deals

Scotia Momentum VISA Infinite benefits

  • $99 annual fee – first year free
  • 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)
  • 4% cash back on gas station and grocery store purchases
  • 2% cash back on drug store purchases and recurring bill payments
  • 1% cash back on all other purchases
  • Comprehensive travel insurance
  • Purchase protection and extended warranty

If you’re looking for a cash back card, then the Scotia Momentum VISA Infinite is the best credit card deal available right now since you’ll earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases) and the annual fee is waived for the first year. This is arguably one of the best credit card deals in a long time so it was a bit surprising when Scotiabank extended the offer to April 30, 2019 for new applicants. You can read my Scotia Momentum VISA Infinite review to learn more about the card.

Apply Now for the Scotiabank Momentum VISA Infinite card

 

TD Aeroplan Visa Infinite card

  • $120 annual fee – first year free
  • Earn 15,000 Aeroplan miles after your first purchase
  • Earn an additional 15,000 Aeroplan miles after you charge $1,000 to your card in the first three months
  • Earn 1.5 miles per $1 spent on grocery, gas, drugstore, and aircanada.com purchases
  • Earn 1 mile per $1 spent on all other purchases
  • Earn miles twice at participating merchants
  • Comprehensive travel insurance

If you apply for the TD Aeroplan Visa Infinite card by June 2, 2019, you get an incredible welcome bonus of up to 30,000 Aeroplan miles and the annual fee is waived for the first year. This is the best offer from Aeroplan in a long time and it’s easy to obtain since you get 15,000 miles after your first purchase and another 15,000 miles when you charge $1,000 to your card in the first three months of membership. As you’ll find out in my TD Aeroplan Visa Infinite card review, this is a great card if you collect Aeroplan points.

BMO World Elite Mastercard

  • $150 Annual fee (first year free)
  • 35,000 Signup points ($250 value) after charging $3,000 in purchases  
  • $100 travel credit when used in the first 6 months of card membership (until Feb. 28, 2019)
  • Earn 3 BMO Rewards points per $1 spent on dining, entertainment, and travel purchases
  • Earn 2 BMO Rewards points per $1 spent on all other purchases
  • Mastercard Airport Experiences membership provided by LoungeKey, plus 4 annual complimentary passes
  • Comprehensive travel insurance package included

Here’s another credit card with a limited time promotion. The BMO World Elite Mastercard is offering a $100 travel credit which can be applied to any travel booked by February 28, 2019. This deal is on top of the 35,000 welcome bonus ($250 value) and the annual fee of $120 being waived for the first year. When you add that all up, you’re getting $470 value right away! Oh wait, there’s also the Mastercard Airport Experiences membership provided by LoungeKey and the 4 annual airport lounge passes which has a value of $280 which brings your total value up to $750. If you read my BMO World Elite Mastercard review, you’ll find out why it’s one of the best travel credit cards in Canada.

Apply Now for the BMO World Elite Mastercard

 

Marriott Bonvoy Amex card

  • $120 annual fee
  • 60,000 Marriott Bonvoy points welcome bonus
  • Earn 5 Marriott Bonvoy points for every $1 on eligible card purchases at participating Marriott Bonvoy properties
  • Earn 2 Marriott Bonvoy points for every $1 on all other purchases
  • Free annual night award that can be redeemed at participating Marriott Bonvoy properties worldwide, with a redemption value up to 5,000 points
  • 15 Elite Night credits each calendar year
  • Marriott Bonvoy Silver Elite status
  • Marriott Bonvoy Gold Elite status when you spend $30,000 on your card each year
  • Complimentary in-room, premium internet access while staying at participating Marriott Bonvoy hotels

Rounding up the list of the best credit card offers in Canada is the Marriott Bonvoy Amex card. This is another one of those credit cards that doesn’t have a special promotion, but the signup bonus was recently increased. You get 60,000 Marriott Bonvoy points when you charge $1,500 to your card in the first three months. Those points are enough for five nights at any category 2 hotel (or an off-peak category 3 hotel) when you factor in the book 4 nights, get the 5th-night free promotion. In my Marriott Bonvoy Amex card review, I go over why Marriott Rewards is one of the best loyalty programs in the world.

Apply Now for the Marriott Bonvoy American Express

 

American Express Business Platinum

  • $499 Annual fee
  • 75,000 Signup points (with my referral link) after charging $7,000 in purchases
  • Earn 1.25 points for every $1 spent
  • Earn 15,000 points per referral
  • Priority Pass Membership with unlimited free entries
  • Premium Hotel Program Membership
  • Comprehensive travel insurance package included

Of my list of the best credit card deals, the American Express Business Platinum card has the highest annual fee. Although $499 may seem like a steep price to pay, you’ll get 75,000 American Express points with my referral link when you spend $7,000 in the first three months of card membership. That’s obviously A LOT you need to charge to your card, but if you were to convert those points to Aeroplan, you’d have enough points for three round trip tickets to anywhere within the continental U.S. and Canada which easily has a value of $1,500 – $1,800. There’s no other Aeroplan or American Express card that gives you such a big signup bonus. One thing to note, even though this is a business card, you can even apply if you don’t have a registered business.

Apply now for the Amex Business Platinum


WestJet RBC World Elite Mastercard

  • $119 annual fee
  • $250 WestJet Dollars signup bonus after your first purchase
  • Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages
  • Earn 1.5% back in WestJet dollars on everyday purchases
  • Receive an annual round-trip companion voucher starting at $99
  • Free first checked bags for the primary cardholder (up to 8 bags on the same reservation)
  • Comprehensive travel insurance package included

One of the best credit card deals in Canada has to be the WestJet RBC World Elite Mastercard and it doesn’t even have a special offer right now. The reason it’s one of the best credit card deals is that cardholders get a round-trip companion voucher starting at $99 CAD. This is an incredible value when you consider the fact that a round-trip ticket from Toronto to Vancouver usually costs about $500. That means two people would pay roughly $599 (plus the taxes, fees and charges for the second ticket) for that trip which would easily save them a few hundred dollars. You also get $250 WestJet dollars after your first purchase and your first checked bag free for the primary cardholder. In my WestJet RBC World Elite Mastercard review, I explain why it’s one of the best airline credit cards and why WestJet Rewards is one of the best loyalty programs.

Apply now for the WestJet RBC World Elite Mastercard Card