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Top Credit Card Sign Up Bonuses for January 2016

UPDATED- CIBC Aerogold Visa Card for Business has been added to the list below.

Another new month, another new list of top current higher than normal credit card sign up bonus offers. I was hoping to start the year with a bang, but instead, we have some slim pickings. I already decided to wait a few extra days to see if anything else was going to be released. Unfortunately, the list below is all we got. I have ranked the credit cards by the price of the annual fees (lowest to highest):

MBNA Best Western Rewards Platinum Plus MasterCard – No annual fee, earn 40,000 Best Western Rewards points after your first purchase (no specified expiry date).

Scotiabank Gold American Express Card – $99 annual fee (first year fee waived if you apply before February 29, 2016) and earn 20,000 sign up bonus points.

Chase Marriott Rewards Visa – $120 annual fee (first year fee waived), earn 50,000 sign up bonus points after your first purchase (no specified expiry date).

BMO CashBack World Elite MasterCard – $120 annual fee, earn up to $150 cash back or 15,000 points (when you apply between January 4, 2016, and April 30, 2016).

UPDATED- CIBC Aerogold Visa Card for Business – $180 annual fee (first year fee waived if you apply before April 30, 2016) and earn 25,000 sign up bonus miles (if you apply before April 30, 2016).


  1. Hello Matthew,

    the CIBC Aerogold Visa Card for Business promotion where you get a sign-up bonus of 25,000 miles and first year 180$ annual fees waived is back until April 30th, 2016.


    Unfortunately the AmEx Gold Rewards Card and AeroplanPlus Gold Card are no longer eligible for referral bonuses as of today… 🙁 The AeroplanPlus Gold Card has even seen its sign-up bonus offer reduced from 25,000 to 15,000 miles (26,000 to 16,000 with referral). This really sucks as I’m quite new to travel hacking and never got the chance to enjoy those referral bonuses! I just fount out today they were over when I went to refer some friends! 🙁

    1. Lots of news to consider. I just updated the post to include the CIBC Business Aerogold. I will also to be writing a post about the AMEX referral bonus changes. Thanks for the heads up Sebastien!

      1. Glad to help a little. 🙂

        Concerning the CIBC Aerogold Visa Card for Business, the promotion with first year annual fees waived is also extended until April 30th, 2016.

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