Choosing a card
Canadian Credit Card Welcome Bonus Tracker
Every Canadian credit card welcome bonus we track, valued in dollars at typical spending, with the date each offer was checked on the issuer’s site and a log of offer changes.
Which credit card welcome bonuses are worth the most right now?
TD Aeroplan Visa Infinite Privilege, worth about $1,000 at typical spending. The ten biggest bonuses we can count are below; a bonus only counts if $2,000 a month of spending reaches its target in time.
| Card | Welcome offer | Bonus value | Annual fee | Checked |
|---|---|---|---|---|
| TopTD Aeroplan Visa Infinite Privilege | Up to 100,000 Aeroplan points | $1,000 | $599 | Oct 1, 2026 |
| CIBC Aeroplan Visa Infinite Privilege | Up to 100,000 Aeroplan points | $1,000 | $599 | Oct 2, 2026 |
| CIBC Aventura Visa Infinite Privilege | Up to 80,000 Aventura points | $800 | $499 | Oct 10, 2026 |
| TD First Class Travel Visa Infinite Card | — | $800 | $139 | Nov 1, 2026 |
| BMO VIPorter World Elite Mastercard | Up to 70,000 VIPorter points + first-year fee waived | $700 | $199 | Oct 10, 2026 |
| The Platinum Card | Up to 100,000 Membership Rewards points | $700 | $799 | — |
| Scotiabank Gold American Express | Up to 65,000 Scene+ points | $650 | $120 | Oct 10, 2026 |
| WestJet RBC World Elite Mastercard | — | $600 | $139 | Nov 1, 2026 |
| American Express Gold Rewards | Up to 60,000 Membership Rewards points | $600 | $250 | Oct 10, 2026 |
| American Express Aeroplan Reserve Card | Up to 85,000 Aeroplan points | $600 | $599 | Nov 1, 2026 |
WalletReturn example spending: $2,000 a month (groceries $500, dining $200, gas $150, online $300, recurring bills $200 and the rest across other categories). Points are valued at WalletReturn’s published point values.
Put it into practiceAdd this bonus table to your siteWhich welcome offers changed recently?
4 changes in counted bonus value since we started recording offers on October 15, 2026. The most recent: Scotiabank Passport Visa Infinite +.
| Recorded | Card | Bonus value | Current offer |
|---|---|---|---|
| Nov 5, 2026 | Scotiabank Passport Visa Infinite + | $250 → $350 | Up to 35,000 Scene+ points for accounts opened November 2, 2026 to January 3, 2027: 15,000 after $3,000 in the first three months and 20,000 more after $10,000 in the first six months (not available… |
| Nov 5, 2026 | Scotia Momentum Visa Infinite + | $257 → $157 | 10% TOTAL on first $2,000 within three months (up to $200), for accounts opened November 2, 2026 to April 30, 2027 |
| Nov 2, 2026 | BMO eclipse Visa Infinite Privilege | $533 → $0 at example spending | New offer for applications received November 2, 2026 to October 31, 2027: 80,000 points after $10,000 in the first 110 days, 40,000 more after $20,000 in the first 180 days and 80,000 more after… |
| Oct 31, 2026 | Simplii Financial Cash Back Visa | $93 → $24 | Current offer: double cash back (8% total instead of 4%) on eligible restaurant, bar and coffee shop purchases in the first 3 months, up to $80 in cash back |
A change is recorded when the bonus we can count at typical spending goes up or down: a new offer, an ended offer, or new spending targets. Wording changes that don’t move the value aren’t listed.
What are all the current credit card welcome bonuses in Canada?
65 offers, from $20 to $1,000 in counted value.
Bonus value is what the offer is worth to someone spending $2,000 a month on the card. A larger advertised bonus with a higher spending target can be worth less here, or nothing, if the target isn’t reached.
Which no-fee credit cards have a welcome bonus?
21 no-fee cards, led by BMO eclipse rise Visa ($167).
How does WalletReturn value a welcome bonus?
In dollars, at typical spending, and only if the spending target is reached in time.
Points are converted at WalletReturn’s published point values. Each offer is checked against the issuer’s own page; the date is shown in the Checked column. Issuer terms always govern: offers change, and eligibility rules (such as not having held the card recently) apply.
Sharing or citing this tracker? Link to this page; it is updated as offers are rechecked.
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Choosing a cardAmex Cobalt vs Scotiabank Gold Amex in CanadaOn our example spending profile the Scotiabank Gold American Express finishes the year $125 ahead: $361 of rewards net of its $120 regular annual fee, against $236 for the American Express Cobalt after its $191.88 fee. The Scotiabank Gold American Express also pays the higher recorded rate in 3 of the 9 categories both cards price.
Official sources and further reading
Terms vary by product. Confirm the provider’s current terms before acting. This guide does not predict approval, realized value or credit-score changes. How WalletReturn calculates value