Note that this is sourced from https://old.reddit.com/r/churningcanada/comments/tujfse/best_current_credit_card_offers_in_canada_updated/ and this copy may be out of date.

[2023-07-10]

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Hey churners !

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Here is a list of the top cards I think are worth considering.

This list is based on current offers based on sign-up bonuses and travel perks.

This is of course subjective and no card is one-size-fits-all.

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Important : offers may change at anytime so make sure to always read the terms before applying.

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Top tier cards currently :

- Amex Biz Platinum : $499 ; 100K MR; $10K

- Amex Biz Gold : $199, 75K MR, $5K

- Amex Platinum : $699 ; up to 90K MR; $7,500

- Amex Biz Edge : $99 ; up to 66K MR ; $5K

- Amex Cobalt : $13/month ; 32,500pts, $500/mo

- AMEX Gold pers : $250 ; up to 75Kpts ; $3,000

- AMEX Marriott pers : $120 ; 75Kpts ; up to $3K

- AMEX Marriott Biz : $150 ; 85Kpts ; $5K

- AMEX Aeroplan Reserve : $599 ; up to 95Kpts ; $12K

- AMEX Aeroplan : $120 ; up to 55Kpts ; $4,500

- BMO Eclipse Visa Inf : FYF ; 40Kpts; $3K

- BMO WE AirMiles : FYF ; 3,000 AM ; $3K

- CIBC AVENTURA Visa Inf : FYF ; 40Kpts ; $3K

- CIBC Aeroplan Visa Inf : FYF ; 30Kpts ; $4K

- HSBC WE MC : FYF ; 80Kpts ; $6K

- MBNA REWARDS WE MC : $120 ; 30Kpts ; $1K

- NBC WE MC: FYF ; 30Kpts, $3K

- RBC Avion Visa Inf : $120; 35Kpts, $0

- Scotia Momentum Visa Inf: FYF ; $200 ; $2K

- Scotia Passport Visa Inf: $150 ; 25Kpts; $1K

- TD Aeroplan Visa Inf : $139 ; 50Kpts; $5K

- TD Biz Aeroplan : FYF ; 30Kpts ; $5K

- TD FCT Visa Inf : FYF ; 100Kpts ; $5K

- TD FCT Visa Platinum : FYF ; 50Kpts ; $1K

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Cards worth considering in specific situations:

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- CIBC Dividend Visa Inf : FYF ; 10% up to $2K

- RBC Avion Visa Platinum : $120; 55Kpts, $5K

- RBC British Airways Visa Inf : $165 ; 50Kpts ; $6K

- RBC WestJet WE : $119 ; $250 WJ$, $1

- Scotia Amex Gold: $120; up to 40Kpts ; $1K or $7,500 ; no fx

- Tangerine MC : no fee ; $100 + $125 cashback; $1K

- TD Aeroplan Platinum : FYF ; 20K miles ; $1K

- TD Aeroplan Visa Privilege : $599 ; up to 105Kpts; $12K

- TD CashBack Visa Inf : FYF ; 10% on $2K spend

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DETAILS

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Amex personal platinum (awesome travel card - get it if you can meet MSR and are travelling)

• $699 AF
• $200 annual travel credit
• 80,000 MR after spending $7,500 (or 90K MR via referral)
• Earn 3MR per dollar spent on dining and 2MR/$ on travel
• Gives gold status at Marriott and Hilton
• Amex FHR
• Benefits at YYZ
• Priority Pass with unlimited entries
• Sign-up : use a referral (90k bonus) or via GCR for $150 cash back (80Kpts)

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Amex Personal gold (good bonus)

• $250 AF
• $100 annual travel credit
• 45K MR after spending $3K via referral
• Extra 10K MR after making any purchase in months 14-17
• OR 60Kpts after spending $3K + 4x pts up to 15Kpts on travel via Perkopolis
• 2x on travel, gas, grocery and drugstore
• 4 passes for Plaza Premium lounges
• Sign-up : via Perkopolis or use a referral for 45Kpts or via GCR for $120 cash back and 40Kpts bonus

Amex Biz gold

• $199 AF
• 70K MR after spending $5K public offer (or via GCR)
• or 75K MR after spending $5K public via referral
• Sign-up : use a referral or via GCR for $125 cashback

Amex Biz Edge

• $99 AF
• 45K MR after spending $5K
• or 55K MR via referral after spending $5K
• promo 10x on office supplies & electronics, rides & gas, eats & drinks up to 10Kpts
• 1K MR per month after spending $3K (on-going)
• 3x on office supplies, electronics, rides & gas and eats & drinks
• Sign-up via referral (for 55Kpts bonus + 10K)

Amex Biz Platinum (highest bonus in Canada)

• $499 AF
• 100K MR after spending $10K via referral
• 90K MR after spending $10K public offer
• Gives 20K MR per referral
• Gives gold status at Marriott
• Priority Pass with unlimited entries
• 1.25x else
• Sign-up via a referral for 90Kpts bonus or via GCR for $150 cash back (80Kpts)

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Amex Cobalt (best keeper card for 5x MR)

• $13/month AF
• 2,500 MR bonus each month (statement) you spend $500
• Gives 5 MR per dollar on food (grocery, restaurant, bars)
• Gives 2 MR/$ on travel, transport and gas
• Sign-up via GCR for $100 cashback or via a referral

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Amex Marriott personal (good bonus and good keeper card for annual FNA)

• $120 AF
• 65K Marriott pts after spending $3K (or 70K via referral)
• 10Kpts on month 14-17
• 5x at Marriott and 2x else
• Anniversary free night (up to 35Kpts) starting year 2
• 10Kpts when giving a referral
• sign up via referral for extra 5Kpts or GCR for extra $60

Amex Marriott Biz

• $150 AF
• 75K Marriott pts after spending $5K (or 80Kpts via referral)
• 10Kpts on month 14-17
• 5x at Marriott, 3x for travel, gas and dining and 2x else
• Anniversary free night (up to 35Kpts) starting year 2
• 10Kpts when giving a referral
• Sign-up via referral for extra 5Kpts or via GCR for extra $75

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Amex Aeroplan Reserve

• $599
• 45Kpts (50Kpts via referral) after spending $6K in first 3 months
• 7,5Kpts AP per months when spending $2K (first 6 months)
• 25Kpts months 14-17
• 3x AC and 2x hotels and car rentals
• 1.25x else
• MLL lounge access
• $100 Nexus credit, UberPass membership
• Sign-up via referral or via GCR for $100 cashback

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Amex Aeroplan

• $120
• 35Kpts (40Kpts via referral) after spending $3K in first 6 months
• 2,500pts AP per months when spending $500 (first 6 months)
• 2x AC, 1.5x on dining and food delivery
• Free checked luggage
• Sign-up via referral for 5Kpts extra or via GCR for $60 cashback

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BMO World Elite Air Miles MC

• FYF
• 3K AirMiles after spending $3K
• 15% off flights when redeeming AirMiles

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BMO ASCEND WORLD ELITE (net bonus of $366 + 4 lounge passes)

• FYF
• 40Kpts (worth $266) after spending $3K
• 2,500pts each month after spending $2K for months 4 to 15
• 5x (3.35%) on travel
• 5x (3.35%) on restaurants, entertainment and recurring bills
• Visa DragonPass + 4 passes
• $100 cashback from CCG
• Promo link via Creditcardgenius

BMO ECLIPSE VISA INF (net bonus of $391)

• FYF
• 40Kpts (worth $266) after spending $3K
• 2,500pts each month after spending $2K for months 4 to 15
• $50 annual lifestyle credit
• 5x (3.35%) on grocery, restaurants, gas and transit
• $125 cashback from CCG
• Promo link via Creditcardgenius

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CIBC Aeroplan Visa Inf (weak offer vs recent offers but still 30K AP for free)

• FYF
• 10Kpts after first purchase
• 20Kpts after spending $4K
• 1.5x on grocery and gas
• 15Kpts at anniversary if spending $10K
• Free check bag and preferred pricing on flights

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CIBC AVENTURA VISA INF

• FYF
• 40Kpts when you spend $3K (worth $500)
• Visa Dragonpass + 4 passes
• $50 Nexus credit
• Sign-up promo link

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CIBC Dividend Visa Inf

• FYF
• 10% off first $2K
• 4% on gas and grocery
• 2% on dining, transport and bills
• Save $0.10/L (first 250L), 3x Journie pts, 2 premium free car wash
• Promo link

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HSBC WE MC (great card, good bonus, HSBC might be complicated to deal with)

• FYF
• 20Kpts after first spend
• 10Kpts each month you spend $1K (first 6 monhts)
• Annual $100 travel credit
• Earns 6x on travel (worth 3%)
• 4x on gas, grocery, and drugstore
• No FX
• Sign-up via GCR for $150 cashback
• QUEBEC offer : $149 AF and 110Kpts after 6 months - great deal

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MBNA REWARDS WE MC (Very solid when points will be convertible to Alaska miles)

• $120 AF
• 30Kpts after spending $1K (20Kpts first purchase + 10Kpts after $1K)
• Quebec : 20Kpts, no MSR
• It was announced that MBNA points will be transferrable into Alaska Miles this fall
• 5pts/$ on restaurant, grocery, digital media, membership, and household utility purchases
• 10% bonus on the points earned last 12 months on birthday (up to 15Kpts)
• Apply via GCR for $80 cashback

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NATIONAL BANK WE MC

• FYF
• 30Kpts after spending $5K (promo link)
• 10Kpts after signing for payment insurances (need to keep it 3 months)
• 30Kpts at anniversary if you spent $12K on the card during first year
• $150 in travel credits
• 5x on grocery and restaurant up to $2,500/mo then 2x
• Sign up via CCG for offer and extra $150 cashback

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RBC AVION Visa Inf

• $120 annual fees
• 35Kpts at first purchase
  • worth $350 in travel, in travel gift card, up to $750 in airfare or can be transferred to Avios, Asia Miles or American AAdvantage

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RBC AVION Visa Plat

• $120 annual fees
• 35Kpts at approbation
  • worth $350 in travel, in travel gift card, up to $750 in airfare or can be transferred to Avios, Asia Miles or American AAdvantage

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RBC Bristish Airways Visa Inf

• $165 AF
• 50K Avios miles after spending $6K in 3 months
• Note that miles tend to post after a few months only
• Companion e-Voucher after spending $30K
• 10Kpts on anniversary
• Sign-up via GCR for extra $50 or via Frugal Flyer for extra $100

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RBC WestJet WE MC

• $119 AF
• 250 WJ$ sat 1st purchase
• Extra 200 WJ$ if you spend $5K
• Annual companion voucher for $119+fee in North America ($399 for the rest of the world)
• Free first luggage on WJ

Scotia Amex gold Scene+ (good card)

• FYF
• 20Kpts sign-up bonus (worth $200) after spending $1K
• 20Kpts bonus after spending $7,5K
• No FX fees
• 6x at Sobeys
• 5x food and entertainment
• 3x at transit, gas and streaming
• Sign-up via GCR for extra $100

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Scotia Passport Scene+ Visa Inf (good travel card)

• $150 AF
• no FX
• 25Kpts after spending $1K
• Visa Airport Companion Program + 6 passes
• 3x at Sobeys
• 2x food, entertainment and transit
• Sign-up via GCR for extra $150

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Scotia Momentum Visa Inf

• FYF
• 10% off $2K
• 4% on grocery and recurring
• 2% on gas and transit
• cashback is paid once a year in November
• Sign-up via GCR for extra $110

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Tangerine MC WE

• no fee
• 10% (up to $100 cashback) on first $1K
• earn 2% cashback on 3 categories
• apply via GCR ($125)

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TD Aeroplan Visa Infinite

• $139 AF
• 10Kpts after first purchase
• 40Kpts after spending $5K
• 1.5x on grocery, gas and AC
• Free checked bag on AC

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TD Aeroplan Visa Privilege

• $599
• 20Kpts after first pruchase
• 30Kpts per month you spend $3K for first 3 months
• 55Kpts at anniversary if you spend $12K on the card during first year
• 1.5x on grocery, gas, travel and dining
• 1.25x else
• Free check bag
• MLL access

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TD Aeroplan Visa Platinum

• FYF
• 20K pts after spending $1,500

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TD Biz Aeroplan

• FYF
• 30Kpts after spending $5K
• 2,500pts per month you spend $5K

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TD First Class Travel Visa Inf ($500+ net bonus)

• FYF
• 100K pts after spending $5K in first 180 days
• 10% more pts at anniversary up to 10Kpts
• Annual $100 credit on Expedia4TD
• Points are worth 0.5cpp at Expedia4TD or 0.4cpp Book on your own
• 8x on TD Rewards, 6x on grocery and restaurants, 4x bills, 2x else
• Sign-up via CCG or GCR for extra $100 cash back

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TD First Class Travel Visa Platinum

• FYF
• 50Kpts after spending $1K

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TD CashBack Visa Inf

• FYF
• 10% on first $2K spend
• 3% on grocery and gas
• Free Deluxe TD Auto Club Membership

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TD First Class Travel Visa Biz

• FYF
• 90K points after spending $5K

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Cheers :)