Three new American Express offers were added, as well as a modified RBC WestJet offer that expired last month.
Top Credit Card Sign Up Bonuses for January 2023
The cards are listed by expiry dates, with the most recent one first. We included specific months so that it is easier to find the information. If there is a tie-break in terms of expiry day, then it is sorted by annual fee (lowest to highest), then alphabetical order.
July 2021
Signature RBC Rewards Visa
- $39 annual fee
- Earn 7,000 sign up bonus points upon approval (if you apply before July 26, 2021)
- Normally 1,500 sign up bonus
RBC Avion Visa Platinum
- $120 annual fee
- Earn 35,000 sign up bonus points upon approval (if you apply before July 26, 2021)
- Normally 15,000 sign up bonus
RBC Visa Infinite Avion
- $120 annual fee
- Earn 35,000 sign up bonus points upon approval (if you apply before July 26, 2021)
- Normally 15,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household income
RBC Avion Visa Infinite Privilege
- $399 annual fee
- Earn 35,000 sign up bonus points upon approval (if you apply before July 26, 2021)
- Normally 25,000 sign up bonus
- Have at least $200,000 in personal annual income or household income
August 2021
American Express Aeroplan Card
- $120 annual fee
- $50 annual fee for a supplementary cardholder
- Earn 75,000 sign up Aeroplan bonus points (if you apply before August 3, 2021)
- Earn 44,000 after spending $3,000 in the first 6 months
- Earn 1,000 points for each monthly billing period after spending $500 in the first 6 months (up to 6,000 points)
- Earn 5x the points on eligible eats & drinks (up to 25,000 in the first 6 months)
American Express Aeroplan Reserve Card
- $599 annual fee
- $199 annual fee for a supplementary cardholder
- Earn 150,000 sign up Aeroplan bonus points (if you apply before August 3, 2021)
- Earn 70,000 after spending $6,000 in the first 6 months
- Earn 5,000 bonus points for each monthly billing period after spending $1,000 in the first 6 months (up to 30,000 points)
- Earn 10x the points on eligible eats & drinks (up to 50,000 in the first 6 months)
American Express Aeroplan Business Reserve Card
- $599 annual fee
- $199 annual fee for supplementary cardholders
- Earn 150,000 sign up Aeroplan bonus points (if you apply before August 3, 2021)
- Earn 70,000 after spending $6,000 in the first 6 months
- Earn 5,000 bonus points for each monthly billing period after spending $1,000 in the first 6 months (up to 30,000 points)
- Earn 10x the points on eligible eats & drinks (up to 50,000 in the first 6 months)
TD First Class Travel Visa Infinite Card
- $120 annual fee (first year fee waived if you apply before August 16, 2021)
- $50 annual fee for supplementary cardholders
- Earn 60,000 sign up bonus points after the first purchase (earn 20,000 TD points after the first purchase and earn 40,000 TD points after spending $1,500 within 90 days) (if you apply before August 16, 2021)
- Normally 40,000 TD points
- Have at least $60,000 in personal annual income or $100,000 household income
TD Aeroplan Visa Infinite Privilege Card
- $599 annual fee
- $199 annual fee for supplementary cardholders
- Earn 50,000 sign up Aeroplan bonus points (if you apply before August 16, 2021)
- Earn 20,000 after the first purchase
- For outside Quebec residents, earn 30,000 after spending $1,000 in the first 3 months
- For Quebec residents, earn 30,000 after holding the card for 90 days in good standing
- Earn 2 points per $1 spent on Air Canada purchases
- Earn 1.5 point per $1 spent on dining, gas, grocery and travel purchases
- Earn 1.5 point per $1 spent at participating Starbucks locations (purchases before November 7, 2021)
- Earn 1.25 point per $1 spent on all other purchases
- Normally 20,000 sign bonus points
RBC WestJet World Elite MasterCard
- $119 annual fee
- Earn $350 sign up bonus points on the first purchase (if you apply before August 31, 2021)
- Earn 2x the WestJet dollars on grocery, restaurants and food delivery (in the first three months) (if you apply before August 31, 2021)
- Receive first round trip companion voucher for $0 (Normally $119 for travel within Canada or to the continental U.S. / $399 for travel to Hawaii, Mexico or the Caribbean) (if you apply before August 31, 2021)
- Normally $250 sign up bonus WestJet dollars
Scotiabank Gold American Express
- $120 annual fee
- $29 annual fee for a supplementary cardholder
- Earn 40,000 sign up bonus points (after spending $1,000 in the first 3 months) (if you apply before August 31, 2021)
- Normally 20,000 sign up bonus points
- Have at least $12,000 in personal annual income
September 2021
HSBC Premier World Elite MasterCard
- $99 annual fee (first year fee waived if you apply before September 27, 2021; except Quebec)
- Earn 90,000 sign up bonus points (Quebec only), (if you apply before September 27, 2021) (earn 20,000 after the first purchase, earn 40,000 bonus points after spending $5,000 in the first 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
- Earn 70,000 sign up bonus points (rest of Canada), (if you apply before September 27, 2021) (earn 20,000 after the first purchase, earn 20,000 bonus points after spending $5,000 in the first 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
- Earn 6 points for every $1 spent on travel purchases
- Earn 3 points for every $1 spent on all other purchases
- No foreign transaction fees
- Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management
HSBC World Elite MasterCard
- $149 annual fee (first year fee waived if you apply before September 27, 2021; except Quebec)
- Earn 90,000 sign up bonus points (Quebec only), (if you apply before September 27, 2021) (earn 20,000 after the first purchase, earn 40,000 bonus points after spending $5,000 in the first 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
- Earn 70,000 sign up bonus points (rest of Canada), (if you apply before September 27, 2021) (earn 20,000 after the first purchase, earn 20,000 bonus points after spending $5,000 in the first 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
- Earn 6 points for every $1 spent on travel purchases
- Earn 3 points for every $1 spent on all other purchases
- No foreign transaction fees
- Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management
October 2021
BMO Air Miles MasterCard
- No annual fee
- Earn 800 sign up bonus Air Miles (after spending $1,000 within the first 3 months) (if you apply before October 31, 2021)
- Earn up to 5x the miles at Shell locations (until December 31, 2020)
- Normally 200 sign up bonus miles
BMO Rewards MasterCard
- No annual fee
- Earn 15,000 sign up bonus points (after spending $1,000 in the first 3 months) (if you apply before October 31, 2021)
- Normally 10,000 sign up bonus points
BMO Air Miles World Elite MasterCard
- $120 annual fee (first year fee waived if you apply before October 31, 2021)
- Earn 2,000 sign up bonus Air Miles (spending $3,000 within the first 3 months) (if you apply before October 31, 2021)
- Normally, 2,000 sign up bonus miles (but new offers may be the new normal)
- Have at least $80,000 in personal annual income or $150,000 household income
BMO Rewards Business MasterCard
- $120 annual fee (waived the first year if you apply before October 31, 2021)
- $50 annual fee for a supplementary cardholder
- Earn 50,000 sign up bonus points after spending $5,000 in the first 3 months (if you apply before October 31, 2021)
- Normally 35,000 bonus points