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 November 2022
For this month’s list, quite a few offers were set to expire at the end of October. In alphabetical order:
- BMO preemptively extended the deadline of their personal card offers until the summer of 2023.
- HSBC extended their offers to the end of February 2023.
- Scotiabank extended their offers and increased some sign up bonuses.
- TD changed up their TD First Class offer, as well as increased its annual fee.
- RBC extended their offers throughout end of fall and into the beginning of 2023. The only card that will not make it to next month’s list is the RBC Cathay Pacific offer. Furthermore, two new RBC offers (Ion cards) have been added to the list.
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.
November 2022
RBC Ion Visa Card
- No annual fee
- Earn 6,000 sign up bonus Avion points upon approval (apply before November 30, 2022)
- $48 annual fee
- Earn 12,000 sign up bonus Avion points upon approval (apply before November 30, 2022)
December 2022
RBC Cathay Pacific Visa Platinum
- $120 annual fee
- $50 annual fee for a supplementary cardholder
- Earn 40,000 sign up bonus miles (earn 15,000 after the first purchase and earn 25,000 after spending $7,000 in the first 3 months) (sign up before December 1, 2022)
- Normally 35,000 sign up bonus miles
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
January 2023
Scotiabank Platinum American Express Card
- $399 annual fee
- $99 annual fee for a supplementary cardholder
- Earn 70,000 sign up bonus Scotia Rewards points (earn 50,000 bonus points after spending $3,000 in the first 3 months and earn a 20,000 bonus points after spending $10,000 in the 14 months) (apply before January 3, 2023)
- Normally 30,000 sign up bonus points
- Have at least $12,000 in personal annual income
TD Aeroplan Visa Platinum Card
- $89 annual fee (first year fee waived) (apply before January 3, 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 3 months, for Quebec residences there is no spending requirements but good standing for 90 days) (apply before January 3, 2023)
- Normally 10,000 sign up bonus
TD Aeroplan Visa Infinite Card
- $139 annual fee (first year fee waived) (apply before January 3, 2023)
- $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 January 3, 2023)
- 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 January 3, 2023)
- $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 January 3, 2023)
- Normally 10,000 sign up bonus
- $149 annual fee (first year fee waived for applying before January 3, 2023)
- $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 January 3, 2023)
- 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 January 3, 2023)
- Normally 20,000 sign bonus points
National Bank Platinum Mastercard
- $70 annual fee (first year fee waived) (apply before January 13, 2023)
- Earn 35,000 sign up bonus points (earn 15,000 after spending $3,000 in the first 3 months, earn 10,000 for signing up for the insurance for a minimum of 3 months, earn 10,000 after the first year anniversary and spending $6,000 within the first 12 months) (apply before January 13, 2023)
- Normally no sign up bonus
National Bank World Elite Mastercard
- $150 annual fee (first year fee waived) (apply before January 13, 2023)
- Earn 70,000 sign up bonus points (earn 30,000 after spending $5,000 in the first 3 months, earn 10,000 for signing up for the insurance for a minimum of 3 months, earn 30,000 after the first year anniversary and spending $12,000 within the first 12 months) (apply before January 13, 2023)
- 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)
- $120 annual fee
- Earn 55,000 sign up bonus points (earn 35,000 upon approval and 20,000 after spending $5,000 in the first 6 months) (apply before January 31, 2023)
- Normally 15,000 sign up bonus
- $120 annual fee
- Earn 55,000 sign up bonus points (earn 35,000 upon approval and 20,000 after spending $5,000 in the first 6 months) (apply before January 31, 2023)
- Normally 15,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household annual income
RBC Avion Visa Infinite Privilege
- $399 annual fee
- Earn 55,000 sign up bonus points (earn 35,000 upon approval and 20,000 after spending $5,000 in the first 6 months) (apply before January 31, 2023)
- Normally 25,000 sign up bonus
- Have at least $200,000 in personal annual income or household income
February 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 February 28, 2023)
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 February 28, 2023)
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 February 28, 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 February 28, 2023)
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 February 28, 2023)
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 February 28, 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 40,000 points for spending $6,000 within 6 months of account opening and earn 20,000 points as an anniversary bonus) (apply before February 28, 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
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 70,000 points for keeping the account open and active for 6 months and earn 20,000 points as an anniversary bonus) (apply before February 28, 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
*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.
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 February 28, 2023)
- Have at least $60,000 in personal annual income or $100,000 household annual income
- Normally 50,000 sign up bonus
April 2023
Scotiabank Gold American Express
- $120 annual fee (first year fee waived) (apply before April 30, 2023)
- $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 $7,500 in the first year) (apply before April 30, 2023)
- Normally 20,000 sign up bonus points
- Have at least $12,000 in personal annual income
Scotiabank Passport Visa Infinite Card
- $150 annual fee
- $50 annual fee for each supplementary card (first supplementary card free)
- Earn 30,000 Scotia Rewards sign up bonus points (earn 30,000 points after spending $1,000 in the first 3 months) (apply before April 30, 2023)
- Earn an annual 10,000 Scotia Rewards point bonus after spending $40,000 annually
Scotiabank® Scene+™ Visa* Card
- No annual fee
- Earn 10,000 sign up bonus Scene points (earn 5,000 bonus points after spending $750 in the first 3 months and 5,000 bonus points after spending $5,000 in the first year) (apply before April 30, 2023)
- Normally 2,500 sign up bonus points
- Have at least $12,000 in personal annual income
May 2023
TD First Class Travel Visa Infinite Card
- $139 annual fee (first year fee waived) (apply before May 28, 2023)
- $50 annual fee for supplementary cardholders
- Earn 145,000 sign up bonus points after the first purchase (earn 20,000 TD points after the first purchase and earn 115,000 TD points after spending $5,000 within 180 days, earn a 10,000 Birthday bonus) (apply before May 28, 2023)
- Normally 20,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household income
July 2023
- No annual fee
- Earn 800 sign up bonus Air Miles (after spending $1,000 within the first 3 months) (apply before July 31, 2023)
- Normally 200 sign up bonus miles
BMO Air Miles World Elite MasterCard
- $120 annual fee (first year fee waived if you apply before July 31, 2023)
- Earn 2,000 sign up bonus Air Miles (spending $3,000 within the first 3 months) (apply before July 31, 2023)
- 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 July 31, 2023)
- 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 July 31, 2023)
- 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 July 31, 2023)
- Normally 50,000 sign up bonus
- Have at least $150,000 in personal annual income or $200,000 household annual 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!