Bank of Montreal (BMO) | HSBC | National Bank | Royal Bank of Canada (RBC) | Scotiabank | Toronto Dominion (TD)
Top Credit Card Higher than Normal Sign Up Bonuses for April 2022
UPDATE- Added the Plastk card to the list as well, expires April 30, 2022.
For this month, TD had multiple offers expiring, which are now modified and now have new May and September end dates. We published this post a day earlier than normal because the HSBC offers end today, while RBC has 2 offers that are expiring later this month.
Top Higher than Normal Sign Up Bonuses
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.
April 2022
HSBC Premier World Elite MasterCard
- $99 annual fee (first year fee waived for applying before April 4, 2022; except Quebec)
- Earn 120,000 sign up bonus points (Quebec only), (apply before April 4, 2022) (earn 20,000 after the first purchase, earn 70,000 bonus points for keeping the account open for 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
- Earn 100,000 sign up bonus points (rest of Canada), (apply before April 4, 2022) (earn 20,000 after the first purchase, earn 50,000 bonus points after spending $6,000 in the first 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
- Normally 20,000 sign up bonus
- No foreign transaction fees
- Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management
- $149 annual fee (first year fee waived for applying before April 4, 2022; except Quebec)
- Earn 130,000 sign up bonus points (Quebec only), (apply before April 4, 2022) (earn 20,000 after the first purchase, earn 80,000 bonus points for keeping the account open for 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
- Earn 100,000 sign up bonus points (rest of Canada), (apply before April 4, 2022) (earn 20,000 after the first purchase, earn 50,000 bonus points after spending $6,000 in the first 180 days, earn 10,000 bonus points for adding an authorized user and earn 20,000 anniversary bonus points)
- Normally 20,000 sign up bonus
- No foreign transaction fees
- Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management
- $120 annual fee
- Earn 35,000 sign up bonus points upon approval (apply before April 18, 2022)
- Normally 15,000 sign up bonus
- $120 annual fee
- Earn 35,000 sign up bonus points upon approval (apply before April 18, 2022)
- Normally 15,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household annual income
Plastk Secured Visa Credit Card
- $48 annual fee EXPIRED (first year annual fee waived for new cardholders who are full time students enrolled in Canadian Universities and Colleges) (apply before April 30, 2022 / UPDATE- expired April 6, 2022)
- No Credit History Required
- $6 monthly maintenance fee (first year maintenance fee waived for new cardholders who are full time students enrolled in Canadian Universities and Colleges)
(apply before April 30, 2022) - EXPIRED- Earn 10,000 sign up bonus points (after being in good standing for 90 days) (apply before April 30, 2022)
- UPDATED- Earn 5,000 sign up bonus points (after being in good standing for 90 days)
- $300 minimum security deposit required to set credit limit
- Earn 1 point for every $1 spent
- Receive free monthly credit score updates, powered by Equifax
May 2022
Scotiabank SCENE Visa card
- No annual fee
- Earn 5,000 sign up bonus Scene points after spending $500 in the first 3 months (apply before May 1, 2022)
- Normally 2,500 sign up bonus points
- Have at least $12,000 in personal annual income
RBC WestJet World Elite MasterCard
- $119 annual fee
- Earn $450 sign up bonus points (earn $250 after the first purchase and $200 after spending $5,000 in the first 3 months)
- Receive first round trip companion voucher for $0 (apply before May 2, 2022)
- Normally $119 for travel within Canada or to the continental U.S.
TD Aeroplan Visa Platinum Card
- $89 annual fee (first year fee waived) (apply before May 29, 2022)
- $35 annual fee for supplementary cardholders
- Earn 20,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase and another 10,000 points after spending a $1,000 in the first 3 months, for Quebec residences there is no spending requirements but good standing for 90 days) (apply before May 29, 2022)
- Normally 10,000 sign up bonus
TD First Class Travel Visa Infinite Card
- $120 annual fee (first year fee waived) (apply before May 29, 2022)
- $50 annual fee for supplementary cardholders
- Earn 100,000 sign up bonus points after the first purchase (earn 20,000 TD points after the first purchase and earn 80,000 TD points after spending $1,000 within 90 days, for Quebec residences there is no spending requirements but good standing for 90 days) (apply before May 29, 2022)
- Normally 20,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household income
National Bank Platinum Mastercard
- $89 annual fee (first year fee waived) (apply before May 31, 2022)
- $35 annual fee for a supplementary cardholder (first year fee waived) (apply before May 31, 2022)
- Earn 20,000 sign up bonus points (after spending $3,000 in the first 3 months) (apply before May 31, 2022)
- Normally no sign up bonus
National Bank World Mastercard
- $115 annual fee (first year fee waived) (apply before May 31, 2022)
- $35 annual fee for a supplementary cardholder (first year fee waived) (apply before May 31, 2022)
- Earn 20,000 sign up bonus points (after spending $3,000 in the first 3 months) (apply before May 31, 2022)
- Normally no sign up bonus
- Have at least $60,000 in personal annual income, $100,000 household income or have $250,000 asset under management. Or $15,000 in minimum purchases per year (existing client only)
National Bank World Elite Mastercard
- $150 annual fee (first year fee waived) (apply before May 31, 2022)
- $50 annual fee for a supplementary cardholder (first year fee waived) (apply before May 31, 2022)
- Earn 20,000 sign up bonus points (after spending $3,000 in the first 3 months) (apply before May 31, 2022)
- Receive $250 in travel fee refunds annually (e.g. seat selection, airport parking and baggage fees)
- Normally no sign up bonus
- Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management. Or $25,000 in minimum purchases per year (existing client only)
July 2022
Scotiabank Gold American Express
- $120 annual fee
- $29 annual fee for a supplementary cardholder
- Earn 45,000 sign up bonus Scotia Rewards points (earn 25,000 bonus points after spending $1,000 in the first 3 months and earn a 20,000 bonus points after spending $7,000 in the first year) (apply before July 4, 2022)
- Normally 20,000 sign up bonus points
- Have at least $12,000 in personal annual income
Scotiabank Passport Visa Infinite Card
- $139 annual fee
- $50 annual fee for each supplementary card (first supplementary card free)
- Earn 25,000 Scotia Rewards sign up bonus points (apply before July 4, 2022)
- Earn an annual 10,000 Scotia Rewards point bonus after spending $40,000 annually
September 2022
RBC British Airways Visa Infinite Card
- $165 annual fee
- $75 fee for supplemental cardholders
- Earn 60,000 sign up bonus Avios (earn 15,000 Avios upon approval, earn 35,000 bonus Avios after spending $6,000 in the first 3 months) (apply before September 3, 2022)
- Earn 10,000 bonus Avios (within 12-15 weeks after the first year anniversary) (apply before September 3, 2022)
- Have at least $60,000 in personal annual income or $100,000 household annual income
- Normally 50,000 sign up bonus
TD Aeroplan Visa Infinite Card
- $139 annual fee (first year fee waived) (apply before September 5, 2022)
- $75 annual fee for supplementary cardholders
- Earn 50,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase with the first 3 months, earn 20,000 points after spending $1,000 in the first 90 days and earn 20,000 points after spending $7,500 in the first 12 months) (for applying before September 5, 2022)
- Normally 10,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household income
TD Aeroplan Visa Business Card
- $149 annual fee (first year fee waived) (apply before September 5, 2022)
- $49 annual fee for supplementary cardholders
- Earn 60,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase, earn 20,000 points after spending $5,000 in the first 3 months and earn 30,000 points after spending $5,000 each month in the first 12 months) (apply before September 5, 2022)
- Normally 10,000 sign up bonus
- $149 annual fee (first year fee waived for applying before September 5, 2022)
- $49 annual fee for a supplementary cardholder
- Earn 150,000 sign up bonus points (earn 30,000 points after the first purchase, earn 60,000 points after spending $5,000 in the first 3 months and earn 60,000 points after spending $5,000 each month in the first 12 months) (apply before September 5, 2022)
- Normally 30,000 sign up bonus
TD Aeroplan Visa Infinite Privilege Card
- $599 annual fee
- $199 annual fee for supplementary cardholders
- Earn 105,000 sign up Aeroplan bonus points (earn 20,000 points after the first purchase, earn 8,500 points after spending $1,000 in each of the first 10 months for a total of 85,000 points) (apply before May 29, 2022)
- Normally 20,000 sign bonus points
December 2022
- No annual fee
- Earn 800 sign up bonus Air Miles (after spending $1,000 within the first 3 months) (apply before December 6, 2022)
- Normally 200 sign up bonus miles
BMO Air Miles World Elite MasterCard
- $120 annual fee (first year fee waived if you apply before December 6, 2022)
- Earn 2,000 sign up bonus Air Miles (spending $3,000 within the first 3 months) (apply before December 6, 2022)
- Normally 1,000 sign up bonus miles
- Have at least $80,000 in personal annual income or $150,000 household annual income
BMO eclipse Visa Infinite Card
- $120 annual fee (first year fee waived by applying before December 6, 2022)
- Earn 10% more points for adding a supplementary cardholders
- Earn 60,000 sign up bonus BMO Reward points (earning 30,000 sign up bonus points and another 30,000 after spending $3,000 in the first 3 months) (apply before December 6, 2022)
- Earn 2,500 BMO Rewards bonus points for each subsequent month with at least $2,000 in net purchases
- Receive an annual $50 lifestyle credit
- Normally 30,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household annual income
BMO eclipse Visa Infinite Privilege Card
- $499 annual fee
- Earn 90,000 signup bonus BMO Reward points (earn 50,000 sign up bonus after spending $6,000 in the first 3 months and earn 40,000 bonus points after 12 months by spending $100,000) (apply before December 6, 2022)
- Normally 50,000 sign up bonus
- Have at least $150,000 in personal annual income or $200,000 household annual income
BMO Rewards Business MasterCard
- $120 annual fee (waived the first year by applying before December 6, 2022)
- $50 annual fee for a supplementary cardholder
- Earn 50,000 sign up bonus points after spending $5,000 in the first 3 months (apply before December 6, 2022)
- Normally 35,000 bonus points
RBC Avion Visa Infinite Privilege
- $399 annual fee
- Earn 35,000 sign up bonus points upon approval (apply before April 22, 2022)
- Normally 25,000 sign up bonus
- Have at least $200,000 in personal annual income or household income
Note that we currently have other types of monthly lists going on:
Please let us know in the comment section below if you would like to see other types of monthly lists or if we missed any promotions!