Top Credit Card Higher than Normal Sign Up Bonuses for January 2020

It’s already 2020! You will notice that most offers are rolling over from 2019, but at many are expiring sometime this month. The rest are expiring in March for the most part. So if you are thinking about certain cards, you will want to jump on them sooner rather than later before it expires. I expect new offers to come up by next month’s list, but if you are considering current offers, now is the time.

Top Higher than Normal Sign Up Bonuses for January 2020

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 (earn 400 miles after the first purchase and another 400 miles after spending $1,000 within the first 3 months) (if you apply before January 15, 2020)
• Normally 200 sign up bonus

BMO Rewards MasterCard

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

RBC WestJet World Elite MasterCard

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

American Express Air Miles Platinum Card

• $120 annual fee
• Earn 3,500 sign up bonus Air Miles (earn 1,700 miles after spending $1,500 in the first 3 months and earn 150 miles in the first 6 monthly billing periods for every $500 spent up to a maximum of 300 miles per month or 1,800 miles overall) (if you apply before January 20, 2020)
  
• Normally 1,700 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 (earn 1,000 miles after the first purchase and earn an additional 2,000 miles after spending $3,000 within the first 3 months) (if you apply before January 15, 2020)
• 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 (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) (if you apply before March 1, 2020)
• 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 (earn 20,000 after the first purchase and earn 15,000 after spending $3,000 within the first 4 months) (if you apply before March 1, 2020)
• Normally 20,000 Aeroplan miles
• Approval based on business documentation

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 (earn 20,000 after the first purchase and another 15,000 after spending $3,000 in the first 4 months) (if you apply before March 1, 2020)
• Normally 20,000 points
• Approval based on business documentation

CIBC Aventura Visa Card for Business

• $120 annual fee (waived if you apply before March 1, 2020)
• Earn 35,000 sign up bonus points (earn 20,000 after the first purchase and another 15,000 after spending $3,000 in the first 4 months) (if you apply before March 1, 2020)
• Normally 20,000 points
• Approval based on business documentation

CIBC Aventura Gold Visa Card

• $120 annual fee
• Earn 35,000 sign up bonus Aventura points (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) (if you apply before March 1, 2020)
• 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 (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) (if you apply before March 1, 2020)
• Normally 15,000 points
• Have at least $60,000 in personal annual income or $100,000 household income

Scotiabank Passport Visa Infinite Card

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 (earn 20,000 after the first purchase and earn 15,000 after spending $3,000 within the first 4 months) (if you apply before March 1, 2020)
• Normally 20,000 Aeroplan miles
• Approval based on business documentation

American Express AIR MILES Reserve Credit Card

• $299 annual fee
• Earn 3,800 sign up bonus Air Miles (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) (if you apply before January 20, 2020)
• 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 (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) (if you apply before March 1, 2020)
• 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 (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) (if you apply before March 1, 2020)
• 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 (earn 25,000 Aeroplan miles after the first purchase, earn 5x the miles, up to 15,000 in bonuses in the first 3 months) (if you apply before March 2, 2020)
• 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!