Bank of Montreal (BMO) | Canadian Imperial Bank of Commerce (CIBC) | Scotiabank | Toronto Dominion (TD)
Top Credit Card Higher than Normal Sign Up Bonuses for September 2019
The changes from last time include two of TD offers ending, but they started some new ones. Furthermore, the BMO SPC card has been discontinued completely. Most offers listed below end on October 31, 2019, so if you are still thinking about the cards, there is still time.
Top Higher than Normal Sign Up Bonuses for September 2019
For the rest of the credit cards, I ranked the credit cards by the price of the annual fees (lowest to highest):
- No annual fee
- Earn 800 sign up bonus Air Miles after the first purchase (if you sign up before October 31, 2019); 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
- No annual fee
- Earn 20,000 sign up bonus points (if you sign up before October 31, 2019); 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
BMO Air Miles World Elite MasterCard
- $120 annual fee (first year fee waived if you apply before October 31, 2019)
- Earn 3,000 sign up bonus Air Miles (if you apply before October 31, 2019); 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 20,000 sign up bonus Aeroplan miles (if you apply before October 31, 2019); earn 15,000 after the first purchase and another 5,000 after spending $1,000 in the first 4 months
- Receive $120 Air Canada eGift Card (if you apply before October 31, 2019)
- Normally 20,000 points
- Have at least $35,000 in personal annual income
CIBC Aventura Visa Card for Business
- $120 annual fee
- Earn 35,000 sign up bonus points (if you apply before October 31, 2019); earn 20,000 after the first purchase and another 15,000 after spending $3,000 in the first 4 months
- Receive $120 travel credit (if you apply before October 31, 2019), (credit expires on October 31, 2020)
- Normally 20,000 points
- Have at least $35,000 in personal annual income
- $120 annual fee
- Earn 20,000 sign up bonus Aventura points (if you apply before October 31, 2019); earn 15,000 points after the first purchase and another 5,000 after spending $1,000 within the first 4 months)
- Receive $120 travel credit (if you apply before October 31, 2019), (credit expires on October 31, 2020)
- Normally 15,000 Aeroplan miles
- Have at least $60,000 in personal annual income or $100,000 household income
CIBC Aventura Visa Infinite Card
- $120 annual fee
- Earn 20,000 sign up bonus Aventura points (if you apply before October 31, 2019); earn 15,000 points after the first purchase and another 5,000 after spending $1,000 within the first 4 months)
- Receive $120 travel credit (if you apply before October 31, 2019), (credit expires on October 31, 2020)
- Normally 15,000 points
- Have at least $60,000 in personal annual income or $100,000 household income
Scotiabank Gold American Express Card
- $120 annual fee
- $29 annual fee for a supplementary cardholder
- Earn 30,000 sign up bonus (earn 25,000 after spending $1,000 in the first 3 months and another 5,000 after spending $10,000 in an anniversary year) (if you apply before October 31, 2019)
- No foreign transaction fees
- Normally 20,000 sign up bonus
- Have at least $12,000 in personal annual income
TD Aeroplan Visa Infinite Card
- $120 annual fee (first year fee waived if you apply before December 1, 2019)
- $50 annual fee for supplementary cardholders
- Earn 40,000 sign up bonus miles (earn 15,000 miles after the first purchase and earn 2x the miles, up to 20,000 in bonuses and additional 5,000 for adding an authorized user) (if you apply before December 1, 2019)
- Normally 15,000 Aeroplan miles
- Have at least $60,000 in personal annual income or $100,000 household income
TD First Class Travel Visa Infinite Card
- $120 annual fee (first year fee waived if you apply before December 1, 2019)
- $50 annual fee for supplementary cardholders
- Earn 90,000 sign up bonus points (earn 20,000 points after the first purchase and earn 2x the points, up to 60,000 in bonuses and additional 10,000 for adding an authorized user)(if you apply before December 1, 2019)
- Normally 20,000 points
- Have at least $60,000 in personal annual income or $100,000 household income
CIBC Aerogold Visa Business Card Plus
- $120 annual fee
- Earn 35,000 sign up bonus Aeroplan miles (if you apply before October 31, 2019); earn 20,000 after the first purchase and earn 15,000 after spending $3,000 within the first 4 months
- Receive $120 Air Canada eGift Card (if you apply before October 31, 2019)
- Normally 20,000 Aeroplan miles
- Credit approval based on business
Scotiabank Passport Visa Infinite Card
- $139 annual fee
- $50 annual fee for each supplementary card (first supplementary card free)
- Earn 25,000 Scotia Rewards sign up bonus points (earn 25,000 after spending $1,000 in the first 3 months) (if you apply before October 31, 2019)
- Earn 10,000 Scotia Rewards bonus points (annually) after spending $40,000 in a calendar year
- Earn 2,000 Scotia Rewards bonus points after every $10,000 in addition to the first $40,000 in a calendar year
- Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management
- $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
- Earn 35,000 sign up bonus Aeroplan miles (if you apply before October 31, 2019); earn 20,000 after the first purchase and earn 15,000 after spending $3,000 within the first 4 months
- Receive $120 Air Canada eGift Card (if you apply before October 31, 2019)
- Normally 20,000 Aeroplan miles
- Have at least $35,000 household income
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 October 31, 2019); 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
Note that we also have two 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!
The HSBC World Elite Mastercard has a good sign up bonus until Dec 16, 2019:
https://www.hsbc.ca/credit-cards/products/world-elite/
You get up to 60,000 bonus points (worth $300) + first year annual fee waived. You get a welcome bonus of 20,000 points on your first purchase plus your earn 3X points on all purchases for the first 3 months up to a maximum earn of 40,000 Points.
For those who reside in Quebec, you get up to 90,000 bonus points (worth $450). The $149 annual fee is not waived. You get a welcome bonus of 20,000 points on your first purchase plus earn an additional 70,000 points if you keep your account open and in good standing for 90 days.
Awesome, thanks for the heads up. The post has been updated accordingly.
The National Bank is offering a rare cashback signup bonus for several different Mastercards which is actually quite good. You must apply before October 31, 2019 to take advantage of this promotion. See here for details: https://www.nbc.ca/personal/mastercard-credit-cards.html
1) For premium Mastercards (World Elite, World, Platinum), you get up to $480 cashback in the first year, on top of your eligible credit card’s benefits. You get $40 cashback for each month you charge at least $500 in net purchases to card over a 12-month period (max cashback of $480).
2) For non-premium Mastercards (mycredit, Allure, ECHO, Syncro, MC1), you get up to $120 cashback in the first year, on top of your eligible credit card’s benefits. You get $10 cashback for each month you charge at least $200 in net purchases to card over a 12-month period (max cashback of $120).
Awesome, thanks for the heads up JB, will be adding this to the Top Cash Back cards post!
The BMO Air Miles Mastercard has a lot of benefits, and discounts. I’ve tried to get my hands on this card before, but I couldn’t get it. My best mate has got this card now, and it’s great for him.
Thanks for sharing your thoughts Morgan!