Top Credit Card Higher than Normal Sign Up Bonuses for July 2023
Another month, around round of bonuses about to expire before next month’s list. There are several RBC offers coming to an end this month.
This post is designed to list all the temporary higher than normal sign up bonus offers across the country. The cards are listed by expiry dates, with the ones expiring first at the top. If there is a tie-break in terms of expiry date, then it is sorted in alphabetical order.
July 2023
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, earn 10,000 bonus Avios (within 12-15 weeks after the first year anniversary) (apply before July 12, 2023)
- Have at least $60,000 in personal annual income or $100,000 household annual income
- Normally 50,000 sign up bonus
This offer is coming to an end this month. If you have been thinking about it, now is as good as time as any to go for it.
- No annual fee
- Earn 3,500 sign up bonus Avion points upon approval (apply before July 31. 2023)
There was a larger sign up bonus when the card first launched. As this reduced offer comes to an end, curious to know what they will offer next.
- $48 annual fee
- Earn 7,000 sign up bonus Avion points upon approval (apply before July 31. 2023)
TThere was a larger sign up bonus when the card first launched. As this reduced offer comes to an end, curious to know what they will offer next.
August 2023
HSBC Travel Rewards Mastercard® (non-QC residents only)*
- No annual fee
- Earn 25,000 points (for spending $1,000 within 180 days of account opening) (apply before August 31, 2023)
This offer is available to everyone in Canada outside of Quebec. The Quebec offer is below.
HSBC Travel Rewards Mastercard (QC residents only)*
- No annual fee
- Earn 25,000 points (for keeping the account open and active for 180 days) (apply before August 31, 2023)
This offer is available to Quebec residents only. The rest of Canada offer is mentioned just above.
HSBC +Rewards™ Mastercard (non-QC residents only)*
- $25 annual fee (a full annual fee rebate for the primary cardholder for the first year for applying before August 31, 2023)
- $10 authorized user annual fee per card
- Earn up to 35,000 sign up bonus points (earn 30,000 for spending $2,000 within 6 months of account opening and earn 5,000 points when starting the application online) (apply before August 31, 2023)
This offer is available to everyone in Canada outside of Quebec. The Quebec offer is below.
HSBC +Rewards Mastercard (QC residents only)*
- $25 annual fee
- $10 authorized user annual fee per card
- Earn up to 40,000 sign up bonus points (earn 40,000 points for keeping the account open and active for 6 months and earn 5,000 points when starting the application online) (apply before August 31, 2023)
This offer is available to Quebec residents only. The rest of Canada offer is mentioned just above.
HSBC World Elite® MasterCard (non-QC residents only)*
- $149 annual fee (a full annual fee rebate for the primary cardholder for the first year for applying before August 31, 2023)
- No annual fee for adding an authorized user Authorized User Annual Fee: $50 Per Card
- Earn up to 80,000 points (earn 20,000 Welcome Bonus points, earn 1,000 points for spending $1,000 each month, within the first 6 months of account opening, to a maximum of 60,000 points) (apply before August 31, 2023)
- Receive a $100 annual travel enhancement credit
- Normally 20,000 welcome bonus
- No foreign transaction fees (only the exchange rate will apply)
- Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management in Canada
This offer is available to everyone in Canada outside of Quebec. The Quebec offer is below.
HSBC World Elite MasterCard (QC residents only)*
- $149 annual fee
- No annual fee for adding an authorized user Authorized User Annual Fee: $50 Per Card
- Earn up to 110,000 points (earn 20,000 Welcome Bonus points, earn 90,000 points for keeping the account open and active for 180 days) (apply before August 31, 2023)
- Receive a $100 annual travel enhancement credit
- Normally 20,000 welcome bonus
- No foreign transaction fees (only the exchange rate will apply)
- Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management in Canada
This offer is available to Quebec residents only. The rest of Canada offer is mentioned just above.
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.
September 2023
TD Aeroplan Visa Business Card
- $149 annual fee (first year fee waived for applying by September 5, 2023)
- $49 annual fee for supplementary cardholders
- Earn 50,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase, earn 30,000 points after spending $5,000 in the first 3 months and earn 10,000 10,000 by setting up new recurring bill payments (maximum two)) (apply by September 5, 2023)
- Normally 10,000 sign up bonus
The previous 60,000 offer ended on May 28, 2023. This is a new reduced offer.
TD Aeroplan Visa Infinite Card
- $139 annual fee (first year fee waived for applying by September 5, 2023)
- $75 annual fee for supplementary cardholders
- Earn 70,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase within the first 3 months, earn 40,000 points after spending $5,000 in the first 180 days and earn 20,000 points after spending $7,500 in the first 12 months) (for applying by September 5, 2023)
- Normally 10,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household income
The previous 55,000 sign up bonus offer ended up May 28, 2023. That was already the highest offer ever. This is even higher!
TD Aeroplan Visa Infinite Privilege Card
- $599 annual fee
- $199 annual fee for supplementary cardholders
- Earn up to 115,000 Aeroplan points (includes a bonus of 20,000 Aeroplan points after the first purchase, earn an additional 60,000 Aeroplan points after spending $7,500 within 180 days of Account opening and an additional 35,000 Aeroplan points after spending $12,000 within 12 months of Account opening) (Must apply by September 5, 2023)
- Normally 20,000 sign bonus points
The previous offer expired on May 28, 2023, but has now been extended with the same sign up bonus structure.
TD Aeroplan Visa Platinum Card
- $89 annual fee (first year fee waived) (apply by September 5, 2023)
- $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 90 days) (apply by September 5, 2023)
- Normally 10,000 sign up bonus
The previous offer expired on May 28, 2023, but has now been extended with the same sign up bonus structure.
TD First Class Travel Visa Infinite Card
- $139 annual fee (first year fee waived) (apply before September 5, 2023)
- $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 $5,000 within 180 days) (apply before September 5, 2023)
- Normally 20,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household income
The previous 145,000 sign up bonus offer expired on May 28, 2023. This is the new offer until early September.
- $149 annual fee (first year fee waived for applying by September 5, 2023)
- $49 annual fee for a supplementary cardholder
- Earn 140,000 sign up bonus TD Rewards points (earn 30,000 TD Rewards Points after the first purchase, earn 70,000 TD Rewards Points after spending $5,000 in the first 3 months and earn 40,000 by setting up new regularly recurring bill payment, maximum 2 bills) (apply by September 5, 2023)
- Normally 30,000 sign up bonus
The previous 150,000 sign up bonus offer expired on May 28, 2023. The current offer is slightly reduced.
October 2023
Scotiabank Gold American Express Card
- $120 annual fee
- $29 annual fee for a supplementary cardholder
- Earn 40,000 sign up bonus Scene+ points (earn 20,000 bonus points after spending $1,000 in the first 3 months and earn a 20,000 bonus points after spending $7,500 in the first year) (apply before October 31, 2023)
- Normally 20,000 sign up bonus points
- Have at least $12,000 in personal annual income
Scene+ points have become quite valuable and versatile.
December 2023
BMO Rewards Business MasterCard
- $120 annual fee (waived the first year by applying before December 31, 2023)
- $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 31, 2023)
- Normally 35,000 bonus points
This may not be the flashiest business card out there. I would only suggest getting this card if your business is using BMO banking. Otherwise, there are better business cards out there.
May 2024
- No annual fee
- Earn 800 sign up bonus Air Miles (after spending $1,000 within the first 3 months) (apply before May 31, 2024)
- Normally 200 sign up bonus miles
Looks like BMO has taken full control of Air Miles. This offer was originally set to expire on July 31, 2023, but now extended ahead of time.
BMO Air Miles World Elite MasterCard
- $120 annual fee (first year fee waived if you apply before May 31, 2024)
- Earn 2,000 sign up bonus Air Miles (spending $3,000 within the first 3 months) (apply before May 31, 2024)
- Normally 1,000 sign up bonus miles
- Have at least $80,000 in personal annual income or $150,000 household annual income
If you can qualify for this World Elite version, it would be better than the regular BMO Air Miles credit card with the added features and benefits. This offer was originally set to expire on July 31, 2023, but now extended ahead of time.
BMO eclipse Visa Infinite Card
- $120 annual fee (first year fee waived by applying before May 31, 2024)
- 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 May 31, 2024)
- 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
This is a relatively new card offer by BMO, they previously did not have Visa cards. This has been a nice additional to the Canadian market. This offer was originally set to expire on July 31, 2023, but now extended ahead of time.
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 May 31, 2024)
- Normally 50,000 sign up bonus
- Have at least $150,000 in personal annual income or $200,000 household annual income
This version of BMO rewards is for big spenders. BMO banking clients should always look for ways to get their fee reduced. This offer was originally set to expire on July 31, 2023, but now extended ahead of time.
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!