Bank of Montreal (BMO) | National Bank | Royal Bank of Canada (RBC) | Scotiabank | Toronto Dominion (TD)
Top Credit Card Higher than Normal Sign Up Bonuses for October 2021
For this month’s list, several BMO promotions are about to expire. They usually either extend their promotions or offer something different. So if you have been contemplating any of those cards at their current offers, now is the time to go for it. Also, I would pay closer attention to the Scotiabank Passport Visa Infinite Card, which currently has a first year fee waived offered as well. They have never offered the fee waiver before since the card was introduced, so if you have been thinking about this card, this is the month to get it.
Furthermore, this month, we added the National Bank promotions (see more details in the “December 2021” section):
- National Bank Platinum Mastercard
- National Bank World Mastercard
- National Bank World Elite Mastercard
Top Higher than Normal Sign Up Bonuses for October 2021
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.
October 2021
- No annual fee
- Earn 800 sign up bonus Air Miles (after spending $1,000 within the first 3 months) (apply before October 31, 2021)
- Earn up to 5x the miles at Shell locations (until December 31, 2020)
- Normally 200 sign up bonus miles
- No annual fee
- Earn 15,000 sign up bonus points (after spending $1,000 in the first 3 months) (apply before October 31, 2021)
- Normally 10,000 sign up bonus points
BMO Air Miles World Elite MasterCard
- $120 annual fee (first year fee waived if you apply before October 31, 2021)
- Earn 2,000 sign up bonus Air Miles (spending $3,000 within the first 3 months) (apply before October 31, 2021)
- Normally, 2,000 sign up bonus miles (but new offers may be the new normal)
- Have at least $80,000 in personal annual income or $150,000 household income
BMO Rewards Business MasterCard
- $120 annual fee (waived the first year if you apply before October 31, 2021)
- $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 October 31, 2021)
- Normally 35,000 bonus points
Scotiabank Passport Visa Infinite Card
- $139 annual fee (first year fee waived if you apply before October 31, 2021)
- $50 annual fee for each supplementary card (first supplementary card free) (first year fee waived if you apply before October 31, 2021)
- Earn 30,000 Scotia Rewards sign up bonus points (after spending $1,000 in the first 3 months) (apply before October 31, 2021)
- Earn an annual 10,000 Scotia Rewards point bonus after spending $40,000 annually
- Earn 5x the points on travel spending (up to $2,500 in spending) (apply before October 31, 2021)
November 2021
- $120 annual fee
- Earn 35,000 sign up bonus points upon approval (apply before November 15, 2021)
- Normally 15,000 sign up bonus
- $120 annual fee
- Earn 35,000 sign up bonus points upon approval (apply before November 15, 2021)
- Normally 15,000 sign up bonus
- Have at least $60,000 in personal annual income or $100,000 household income
RBC Avion Visa Infinite Privilege
- $399 annual fee
- Earn 35,000 sign up bonus points upon approval (apply before November 15, 2021)
- Normally 25,000 sign up bonus
- Have at least $200,000 in personal annual income or household income
Scotiabank Gold American Express
- $120 annual fee
- $29 annual fee for a supplementary cardholder
- Earn 50,000 sign up bonus Scotia Rewards points (earn 30,000 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 November 21, 2021)
- Normally 20,000 sign up bonus points
- Have at least $12,000 in personal annual income
RBC Avion Visa Infinite Business
- $175 annual fee
- $50 annual fee for a supplementary cardholder
- Earn 35,000 sign up bonus Avion points (after the first purchase) (apply before November 30, 2021)
- Normally 20,000 sign up bonus points
December 2021
TD Aeroplan Visa Platinum Card
- $89 annual fee (first year fee waived if you apply before December 5, 2021)
- $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) (apply before December 5, 2021)
- Normally 10,000 sign up bonus
TD First Class Travel Visa Infinite Card
- $120 annual fee (first year fee waived if you apply before December 5, 2021)
- $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 December 5, 2021)
- Normally 20,000 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 if you apply before December 5, 2021)
- $49 annual fee for supplementary cardholders
- Earn 30,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase and earn up to 2x the bonus points on all purchases up to 20,000 bonus points in the first 3 months) (apply before December 5, 2021)
- Normally 10,000 sign up bonus
TD Aeroplan Visa Infinite Privilege Card
- $599 annual fee
- $199 annual fee for supplementary cardholders
- Earn 65,000 sign up Aeroplan bonus points (apply before December 5, 2021)
- Earn 20,000 after the first purchase
- For outside Quebec residents, earn 45,000 after spending $1,000 in the first 3 months
- For Quebec residents, earn 45,000 after holding the card for 90 days in good standing
- Earn 2 points per $1 spent on Air Canada purchases
- Earn 1.5 point per $1 spent on dining, gas, grocery and travel purchases
- Earn 1.5 point per $1 spent at participating Starbucks locations (purchases before November 7, 2021)
- Earn 1.25 point per $1 spent on all other purchases
- Normally 20,000 sign bonus points
National Bank Platinum Mastercard
- $89 annual fee (first year fee waived) (apply before December 20, 2021)
- $35 annual fee for a supplementary cardholder
- Earn 15,000 sign up bonus points (after spending $3,000 in the first 3 months) (apply before December 20, 2021)
- Normally no sign up bonus
National Bank World Mastercard
- $115 annual fee (first year fee waived) (apply before December 20, 2021)
- $35 annual fee for a supplementary cardholder
- Earn 15,000 sign up bonus points (after spending $3,000 in the first 3 months) (apply before December 20, 2021)
- 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 December 20, 2021)
- $50 annual fee for a supplementary cardholder
- Earn 15,000 sign up bonus points (after spending $3,000 in the first 3 months) (apply before December 20, 2021)
- 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)
January 2022
- $39 annual fee
- Earn $100 sign up bonus points after spending $1,000 in the first 3 months (apply before January 5, 2022)
- Normally $50 sign up bonus WestJet dollars
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) (apply before January 5, 2022)
- Receive first round trip companion voucher for $0 (Normally $119 for travel within Canada or to the continental U.S. / $399 for travel to Hawaii, Mexico or the Caribbean) (apply before December 5, 2021)
- Normally $250 sign up bonus WestJet dollars
February 2022
RBC British Airways Visa Infinite Card
- $165 annual fee
- $75 fee for supplemental cardholders
- Earn 65,000 sign up bonus Avios (earn 15,000 Avios upon approval, earn 35,000 bonus Avios after spending $6,000 in the first 3 months and earn 10,000 bonus Avios within 12-15 weeks after the first year anniversary) (apply before February 28, 2022)
- Have at least $60,000 in personal annual income or $100,000 household income
- Normally 50,000 sign up bonus
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!