For this month, Tangerine dropped their 15% cash back off that expired last month down to 10%, which expires this month.
Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers if you wish to see a more complete list of cards, not just cards that offer at least 10% cash back.
Scotiabank has several offers ending this month. The RBC British Airways bonus is coming to an end. If you have been contemplating them for a while now, now is as good a time to get them as any!
Top Higher than Normal Sign Up Bonuses
I cannot believe that it has been almost 7 years since I last updated this post. There is no question that this post can use an update, especially considering how much gas prices have gone up over the last 12 months in Canada.
The better strategy is still to purchase gas using a credit card to meet minimum spend requirements for new promotional sign up bonuses.
For this month, several offers are coming to an end, notably the HSBC offers. Aside from that, Canada has a healthy amount of first year fee waived promotional offers overall with BMO, Scotiabank and TD leading the way. Hope to see other companies jump on board!
See also: Top No Annual Fee Credit Cards
The most frequently asked question that I get when talking to people is: “What is the best credit card?” This is a very subjective question where the answer varies depending on the person’s priorities.
At the beginning of the month, we predicted that the cash back market is going to heat up this year. So I am expecting to be very busy with updating this monthly post this year. To start the year off, the two Tangerine 15% cash back offers end this month, while Scotiabank has added its Momentum card to the list.
It is already 2022! To kick off the year with our first monthly higher than normal sign up bonus post, the National Bank offers ended last month and were not extended, so we will see if they offer another one later this year. The Scotiabank Gold American Express was set to expire, but now extended to February 28, 2022 to align with a couple other Scotiabank offers. Today is the last day for the two RBC WestJet offers.
TD had most of their promotion ending from last month’s list, but they ended up extending most of their offers to March 2022 (with some minor tweaks to the offer) or May 2022.
The Brim offer is coming to an end this month. Usually they extended it by 1 month at a time. This time around, they extended by a rare 2 months in one shot, so there is a chance this will really come to an end this time. Or maybe they will offer something different instead starting January. Either way, if you have been thinking about this card for a while now, as is as good a time as any to go for it.
It has been just over a year since our last update (December 1, 2020) of the rankings list. The timing works well to update again this month, since we are coming to the end of the year. Now we get a snapshot of 2021, as we head into 2022.
It has been over 2 years since our last full rundown of the Scene Rewards program (minus a feature update). So we are long overdue for an update, so let’s get going.
Expiry Policy
As with most rundowns of loyalty programs that do, we start with the expiry policy, since this seems to be a big issues for anyone looking to get the ball rolling into the miles and points world.