Top Credit Card Higher than Normal Sign Up Bonuses for December 2019

Most offers this month started in November, since many promotions ended in October. So the majority of this list is carry-over from last month and end sometime in 2020 (GASP! Already almost the new year). For the most part, it was TD that ended their offers and created some new ones that run for the next few months.

Also, several promotions (namely Scotiabank and HSBC) are coming to an end this month, so if you are thinking about them, now’s the time to go for it!

Top Higher than Normal Sign Up Bonuses for December 2019

For the rest of the credit cards, I ranked the credit cards by the price of the annual fees (lowest to highest):

BMO Air Miles MasterCard

• No annual fee
• Earn 800 sign up bonus Air Miles after the first purchase (if you sign up before January 15, 2020); earn 400 miles after the first purchase and another 400 miles after spending $1,000 within the first 3 months
• Normally 200 sign up bonus

BMO Rewards MasterCard

• No annual fee
• Earn 20,000 sign up bonus points (if you sign up before January 15, 2020); earn 10,000 after the first purchase and another 10,000 after spending $1,000 in the first 3 months
• Normally 10,000 sign up bonus

RBC WestJet World Elite MasterCard

• $119 annual fee
• Earn $350 sign up bonus points (if you sign up before January 6, 2020); earn $250 after the welcome bonus and another $100 after the first purchase in the first 3 months
• Normally $250 sign up bonus

BMO Air Miles World Elite MasterCard

• $120 annual fee (first year fee waived if you apply before January 15, 2020)
• Earn 3,000 sign up bonus Air Miles (if you apply before January 15, 2020); earn 1,000 miles after the first purchase and earn an additional 2,000 miles after spending $3,000 within the first 3 months
• Normally, 2,000 sign up bonus
• Have at least $80,000 in personal annual income or $150,000 household income

CIBC Aerogold Visa Infinite Card

• $120 annual fee
• Earn 35,000 sign up bonus Aeroplan miles (if you apply before March 1, 2020); earn 20,000 after the first purchase and another 15,000 after spending $10,000 in the first year that will be posted on the anniversary year of the card
• Normally 20,000 points
• Have at least $35,000 in personal annual income

CIBC Aerogold Visa Business Card Plus

• $120 annual fee (waived if you apply before March 1, 2020)
• Earn 35,000 sign up bonus Aeroplan miles (if you apply before March 1, 2020); earn 20,000 after the first purchase and earn 15,000 after spending $3,000 within the first 4 months
• Normally 20,000 Aeroplan miles
• Credit approval based on business

CIBC Aventura Visa Card for Business Plus

• $120 annual fee (waived if you apply before March 1, 2020)
• Earn 35,000 sign up bonus points (if you apply before March 1, 2020); earn 20,000 after the first purchase and another 15,000 after spending $3,000 in the first 4 months
• Normally 20,000 points
• Have at least $35,000 in personal annual income

CIBC Aventura Visa Card for Business

• $120 annual fee (waived if you apply before March 1, 2020)
• Earn 35,000 sign up bonus points (if you apply before March 1, 2020); earn 20,000 after the first purchase and another 15,000 after spending $3,000 in the first 4 months
• Normally 20,000 points
• Have at least $35,000 in personal annual income

CIBC Aventura Gold Visa Card

• $120 annual fee
• Earn 35,000 sign up bonus Aventura points (if you apply before March 1, 2020); earn 20,000 points after the first purchase and another 15,000 after spending $10,000 in the first year that will be posted on the anniversary year of the card
• Normally 15,000 Aventura miles
• Have at least $60,000 in personal annual income or $100,000 household income

CIBC Aventura Visa Infinite Card

• $120 annual fee
• Earn 35,000 sign up bonus Aventura points (if you apply before March 1, 2020); earn 20,000 points after the first purchase and another 15,000 after spending $10,000 in the first year that will be posted on the anniversary year of the card
• Normally 15,000 points
• Have at least $60,000 in personal annual income or $100,000 household income

Scotiabank Gold American Express Card

Scotiabank Passport Visa Infinite Card

HSBC World Elite MasterCard

• $149 annual fee (first year fee waived if you apply before December 16, 2019; except Quebec)
• Earn 90,000 sign up bonus points (Quebec only), (if you apply before December 16, 2019); earn 20,000 after the first purchase and earn 3x the points up to 70,000 bonus points on all purchases within the first 90 days
• Earn 60,000 sign up bonus points (rest of Canada), (if you apply before December 16, 2019); earn 20,000 after the first purchase and earn 3x the points up to 40,000 bonus points on all purchases within the first 90 days
• Normally 20,000 points
• Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management

CIBC Aerogold Visa Business Card

• $180 annual fee (first year fee waived if you apply before March 1, 2020)
• Earn 35,000 sign up bonus Aeroplan miles (if you apply before March 1, 2020); earn 20,000 after the first purchase and earn 15,000 after spending $3,000 within the first 4 months
• Normally 20,000 Aeroplan miles
• Have at least $35,000 household income

American Express AIR MILES Reserve Credit Card

• $299 annual fee
• Earn 3,800 sign up bonus Air Miles (if you apply before January 20, 2020); earn 1,400 after spending $3,000 in the first 3 months and another 200 bonus miles for every $750 in spending (400 monthly, up to 2,400)
• Normally 2,400 Air Miles

In other words, to maximize the bonus, you need to spend $1,500 per month in the first 6 months to get the full 2,400 bonus miles.

CIBC Aerogold Visa Infinite Privilege Card

• $399 annual fee
• $99 annual fee for an authorized user
• Earn 50,000 sign up bonus Aeroplan miles (if you apply before March 1, 2020); earn 25,000 Aeroplan miles after the first purchase and earn an additional 25,000 Aeroplan miles after spending $3,000 after the first 3 months
• Normally 25,000 sign up bonus
• Have at least $200,000 in personal annual income

CIBC Aventura Visa Infinite Privilege Card

• $399 annual fee
• $99 annual fee for an authorized user
• Earn 50,000 sign up bonus Aventura points (if you apply before March 1, 2020); earn 25,000 Aventura points after the first purchase and earn an additional 25,000 Aventura points after spending $3,000 after the first 3 months
• Normally 25,000 sign up bonus
• Have at least $200,000 in personal annual income

TD Aeroplan Visa Infinite Privilege Card

• $399 annual fee
• $99 annual fee for an authorized user
• Earn 40,000 sign up bonus Aeroplan miles (if you apply before March 2, 2020); earn 25,000 Aeroplan miles after the first purchase, earn 5x the miles, up to 15,000 in bonuses in the first 3 months)
• Normally 25,000 sign up bonus
• Have at least $200,000 in personal annual income

Note that we also have two other types of monthly lists going on:

• Top Cash Back Credit Card Offers
• Best Current First Year Fee Waived Cards

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!