It’s already a new year! For now, most offers are still running from the year before. Only the RBC WestJet is coming off this month’s list so hopefully we will be seeing new offerings coming this year.
Top Higher than Normal Sign Up Bonuses for January 2021
The credit cards are ranked by the price of the annual fees (lowest to highest):
Back in 2016, I began a tradition of trying to predict the travel / rewards market in Canada. The first year was rough, but it got better over the years. How did it go in 2020?
Below are my previous scores:
I cannot believe that it has been almost 6 years since I last wrote a post about RBC Avion points program. The reason I am writing about it today is because many people were able to snag the 25,000 or 35,000 Avion points sign up bonus (first year fee waived) promotion with the RBC Avion Visa Infinite just under a year ago (offer expired February 28, 2020). For the churners out there who do not want to pay the annual fee, they will need to decide what to do with their points, but there has yet to be a transfer bonus to frequent flyer programs.
Quite a few offers and ending this month and will not show up on next months list. So if you are thinking about those cards, best to sign up now before the month ends.
Limited Time First Year Fee Offers
We have listed the cards different going forward. From now on, cards are listed based on the expiry dates. So most recent ones first. If there is a tie break, then it will be listed by their annual fees, from lowest to highest. Furthermore, a subtitle is now added which specifies which month the cards are ending.
There are not many current higher than normal cash back bonuses, we’ve trimmed down to 4 cards left on this list, with the Scotia Momentum Visa Infinite Card promotion expiring first. Keep in mind that this monthly post only includes temporary offers with higher than normal cash back offer. We have a list of ongoing offers in the Top Cash Back Credit Cards page with a more complete list.
Top no annual fee cash back credit card offers for December 2020
Some minor changes to this month’s list. Many offers push well into the new year. However, the HSBC promotions will end before next month’s list.
Top Higher than Normal Sign Up Bonuses for December 2020
It has been 8 months since our last update. Can you believe it, 8 months ago we were already dealing with lockdowns.
Suffice to say, there has been some major changes to the industry since then, namely, Capital One slowly shutting things down, along with Aeroplan’s launch of new co-branded cards. Even so, you will notice most of the ranking changes from the middle to the end of the list.
Several offers ending (see October 2020 and November 2020 cards) on this list that would not make it to next month’s list. So if you are thinking about a specific offer, you may want to go for it now.
Keep in mind that this post refers to temporary offers. We also have an ongoingly updated Top Credit Cards pages that includes permanent first year fee waived offers too. Here are some of the more relevant ones that are more related to this post:
All the offers remain the same from last month. The two expiring ones (Laurentian Bank and Scotiabank) both got extended.
Keep in mind that this monthly post only includes temporary offers with higher than normal cash back offer. We have a list of ongoing offers in the Top Cash Back Credit Cards page with a more complete list.
For the time being, this will be the last of a series of Aeroplan co-branded credit cards comparison post.
For today, I will be comparing 3 the lowest tier credit cards that were introduced to the market on the exact same day (November 8, 2020). Unlike the other posts, American Express is not on the list this time. But CIBC does offer 2 options, a student and regular version. Since they have virtually the same features and benefits, they will be lumped into one category.