Canada’s Best Credit Card Offers for September 2025

Whenever you’re in the market for a new credit card, one of the most important considerations is to size up the card’s welcome offer.

After all, welcome bonuses are a one-time opportunity to quickly boost your balance, and ideally, you can time your application for when there’s a great offer available.

If you’re looking for a new credit card, we’ve put together a list of our top picks for the best credit card offers in Canada for September 2025.

Canada’s Best Credit Card Offers for September 2025

Here’s our list of the best credit card offers available in Canada for September 2025, with the following notable recent developments:

• American Express lowered the offers on its suite of Membership Rewards, Aeroplan, and Marriott Bonvoy cards
• RBC brought back record-high offers on its lineup up Avion cards and ION cards
• There’s an ongoing record-high offer on the Scotiabank Gold American Express Card
• TD unveiled a new record-high offer on the TD First Class Travel Visa Infinite Card

Looking for some personalized recommendations? Be sure to check out our Points Coaching service. You’ll receive one-on-one guidance from one of our credit card experts over the course of four sessions, and you’ll fast track your way into becoming a pro at building an optimized credit card portfolio to meet your travel goals in no time!

American Express Gold Rewards Card

While the overall size and value of the welcome bonus on the American Express Gold Rewards Card is high, it requires keeping track of a monthly minimum spending requirement for the first year.

Still, if the higher annual fee on the Platinum card is too rich for your blood, consider this offer as a nice alternative.

The easiest way to ensure you hit it every month (thereby maximizing the welcome offer) is to use it as your payment card for Chexy, a platform that facilitates paying rent, bills, and taxes with your credit card.

American Express Platinum Card

As per usual, the American Express Platinum Card has a nice welcome offer available at the moment with up to 110,000 Membership Rewards points up for grabs. The lion’s share is awarded upon spending $10,000 in the first three months, and then another boost in year two.

As a cardholder, you’ll get a $200 dining credit and a $200 annual travel credit to use each year which help to offset the card’s $799 annual fee, in addition to the regular rotation of Amex Offers, unlimited lounge access, and other valuable features for travellers.

RBC^® British Airways Visa Infinite^†

RBC^® has an excellent offer on its British Airways co-branded card, worth up to 60,000 Avios†. 

British Airways Avios are a great currency to have for access to oneworld airlines, especially since you can convert them into different flavours of Avios (as it’s a points currency shared by The British Airways Club, Aer Lingus AerClub, Finnair Plus, Iberia Plus, and Qatar Airways Privilege Club).

If you value non-stop flights to or from London, you can also benefit from the card’s Companion Award eVoucher, awarded upon spending $30,000 in a year. 

RBC^® Avion Visa Infinite^† 

The current round of offers on the RBC® Avion Visa Infinite†  and the RBC® Avion Visa Platinum† (see below) are back to their all-time high. Plus, you’ll earn the excellent RBC Avion points, which are one of the most valuable and flexible points currencies in Canada.

You can use your Avion points to supplement your British Airways Club or Cathay Pacific Asia Miles balances, or for the unique ability to convert them to American Airlines AAdvantage miles – one of the most valuable loyalty programs around.

You can also find value in the Air Travel Redemption Schedule, especially for travel in economy.

The only downside to this card is it’s rather low earning rates on everyday spending; however, consider pairing it with an RBC® ION+ Visa to build the optimized RBC credit card portfolio.

RBC^® Avion Visa Platinum^†

If your personal or household income doesn’t qualify for the RBC^® Avion Visa Infinite^†, you can apply for the RBC® Avion Visa Platinum^† instead, with the same offer and very similar perks.

TD First Class Travel^® Visa Infinite^* Card

TD’s flagship credit card that earns its proprietary TD Rewards Points offers great travel value outside of the usual airline or hotel loyalty program ecosystem.

The current offer on the TD First Class Travel^® Visa Infinite^* Card has recently been boosted to a new record-high: 165,000 TD Rewards Points.†

165,000 TD Rewards Points is worth a fixed value of up to $825 towards any travel booking via Expedia^® for TD^†, and with a very reasonable minimum spending requirement spread out over six months and a first-year annual fee rebate†, this offer is absolutely worth considering.

Plus, the card recently received a makeover, and now has beefed-up earning rates with more categories, and four complimentary lounge visits each year!

TD^® Aeroplan^® Visa Infinite Privilege^* Card

TD’s premium Aeroplan co-branded credit card is currently offering a welcome bonus for up to 85,000 Aeroplan points.†

Fortunately, there’s no monthly requirement to keep track of. Instead, the total required spending is quite high, at $12,000 in the first 180 days† and $24,000^† in the first year, but you’ll be rewarded for your efforts with a healthy Aeroplan balance.

This is an excellent credit card for Air Canada frequent flyers, given its long list of benefits, including unlimited Maple Leaf Lounge access in Canada and the US,† earning Status Qualifying Miles and Status Qualifying Segments through everyday spending,† and much more.

Cathay World Elite® Mastercard® – powered by Neo

If you have your eyes set on an award flight with Cathay Pacific, the Cathay World Elite® Mastercard® – powered by Neo is the only card in Canada that directly earns Asia Miles.

There’s currently an elevated welcome offer available for up to 60,000 Asia Miles: 35,000 miles are awarded upon activating your card, while the other 25,000 come after a reasonable minimum spending requirement of $5,000 in the first three months.

This is the best-ever offer we’ve seen on the card, making now an ideal time to apply.

American Express Aeroplan Reserve Card

The offer on the American Express Aeroplan Reserve Card recently dropped, and this time there’s 85,000 points up for grabs.

Not only is Aeroplan one of the most powerful loyalty programs out there, but this card comes packed with benefits for Air Canada frequent flyers. 

Notably, it features the highest earning rate for Air Canada purchases on any Aeroplan co-branded credit card (3 Aeroplan points per dollar spent), in addition to unlimited Maple Leaf Lounge access, a companion pass upon spending $25,000 each year, more.

CIBC Aeroplan^® Visa Infinite Privilege^* Card

As with its other top-tier Aeroplan co-branded credit card counterparts, the CIBC Aeroplan® Visa Infinite Privilege* Card is also offering up to 85,000 Aeroplan points.

The biggest difference with the offer is that you’ll get more points in year two than with the other cards.

In addition to the same Air Canada perks offered on its TD and American Express counterparts, this card stands out with its $200 NEXUS credit, which is more than enough to cover the cost of an application.

RBC^® Avion Visa Infinite Privilege^†

RBC’s premium card in the Avion lineup is currently offering a record-high welcome bonus for up to 70,000 Avion points.†

Its structure is also very attainable: 35,000 points on approval,† 20,000 points upon spending $5,000 in the first six months,† and you’ll get an additional boost of 15,000 points in year two.†

With a great earning rate for non-categorized spending (1.25 Avion points per dollar spent†) and with the unique ability to redeem points for business class flights using the RBC Air Travel Redemption Schedule, consider this premium option in the Avion lineup if you meet the income requirements.

Consider this as a nice option to have as part of your Optimized RBC Credit Card Portfolio.

BMO VIPorter World Elite®* Mastercard®*

Porter Airlines hit the ground running when it recently launched its first-ever co-branded credit card in conjunction with BMO, with a welcome offer of up to 70,000 VIPorter points.†

The structure of the welcome offer has three tiers, with the final allotment of points arriving in year two. While the spending requirements are relatively high, consider shifting your Costco spend to the card to enjoy a number of award flights with Porter across Canada, the United States, Mexico, and Central America at a steep discount.

If you travel with Porter Airlines with any frequency, this is a great card to hold due to its automatic Venture Avid Traveller Status,† which affords you a range of meaningful benefits with the airline.

We like this offer due to its sheer size paired with a first-year annual fee rebate,† and with the opportunity to score outsized value in the VIPorter loyalty program.

TD^® Aeroplan^® Visa Infinite^* Card

The TD^® Aeroplan^® Visa Infinite^* Card has long remained one of our favourite Canadian credit cards, and indeed it’s one that we recommend for every Canadian traveller.

As it stands, the welcome offer on the card is the highest amongst its core counterparts in Canada (up to 45,000 Aeroplan points).†

The total spending requirement is spread out over a full year, and the first-year annual fee rebate† means you won’t incur any costs while you try out the card.

BMO AIR MILES®† World Elite®* Mastercard®*

If you’re entrenched in the AIR MILES world, then consider padding your balance with the current high offer on the BMO AIR MILES®† World Elite®* Mastercard®*, with up to 7,000 AIR MILES®† up for grabs.†

Scotiabank Gold American Express^® Card

If you’re looking for a card that earns Scene+ points at a higher rate on daily spending, consider the Scotiabank Gold American Express® Card. You’ll earn 5x Scene+ points on eligible grocery and restaurant purchases^†, or 6x points at Empire grocery stores.^†

Plus, the new welcome offer matches the card’s all-time high, currently offering 30,000 Scene+ points^† with a low $2,000 spending threshold in the first three months, and an additional 20,000 points^† upon spending of $7,500 in the first year.

50,000 Scene+ points is worth $500 when redeemed against travel purchases at 1 cent per point. Throw in a first-year annual fee waiver, and there’s never been a better time to get this card.

American Express Aeroplan Card

The American Express Aeroplan Card has maintained its offer for 40,000 Aeroplan points for just about a year. 

It comes with many of the same features as its other co-branded counterparts at the same tier; however, its earning rate for Air Canada purchases (2 points per dollar spent) is the highest in its tier, and it comes without emergency medical insurance or trip cancellation/interruption insurance (the other cards come with those). 

CIBC^® Aeroplan^® Visa Infinite^* Card

The current offer on the CIBC Aeroplan Visa Infinite Card is the same total amount as the American Express Aeroplan Card; however, 50% of the bonus is awarded in year two (hence its lower ranking on this list). 

Honourable Mentions

In this section, we’ll list some offers that are worthy of some extra attention, either due to their size, easily attainable thresholds, or other reasons listed below.

RBC® ION+ Visa

The RBC^® ION+ Visa has a great record-high welcome bonus available: 21,000 Avion points with a very attainable minimum spending requirement.†

In my opinion, this is one of the most powerful credit cards in Canada (when used in conjunction with an Avion card). There’s never been a better time to apply and build your optimized RBC credit card portfolio.

CIBC Aventura® Visa Infinite* Card

CIBC Aventura Points are great to hold to help offset other costs of travel, especially if your primary flights and accommodations are already covered.

As an added bonus, the current offer on the CIBC Aventura® Visa Infinite* Card is both valuable and easy to attain. 45,000 Aventura Points is worth up to $450 when redeemed for travel,† and you’ll get the full allotment after spending $3,000 in the first four months.†

Plus, CIBC is the first bank to boost the NEXUS application fee rebate to $200, which is enough to cover the $120 (USD) application fee. Toss in four complimentary lounge visits through the Visa Airport Companion Program and a first-year annual fee rebate†, and this card has a lot to offer.

Scotiabank Passport® Visa Infinite* Card

Routinely our top pick for Canada’s best credit card with no foreign transaction fees, the Scotiabank Passport® Visa Infinite* Card combines a valuable welcome bonus of up to 35,000 Scene+ points with a low minimum spending requirement ($2,000 in three months)†.

Plus, the card offers great features for travellers (six complimentary lounge visits with the Visa Airport Companion Program† and strong insurance), and Scene+ points are our favourite fixed-value points program due to their flexibility.

Scotiabank Passport® Visa Infinite Privilege* Card

The top-tier variant in Scotiabank’s Passport family is currently offering up to 80,000 Scene+ points for its welcome bonus, which would be worth $800 when redeemed against travel purchases at a rate of 1 cent per point.

To sweeten the deal for the $599 annual fee, be sure to take advantage of the $250 annual travel credit, 10 complimentary lounge visits, and no foreign transaction fees.

BMO VIPorter Mastercard®*

The scaled-down version of the BMO VIPorter World Elite®* Mastercard®* has plenty of value to offer.

In addition to the welcome bonus (up to 40,000 VIPorter points), you’ll enjoy automatic VIPorter Passport Avid Traveller status, a first-year annual fee rebate, and access to great VIPorter redemptions.

WestJet RBC® World Elite Mastercardǂ 

The offer of 45,000 WestJet points available on the WestJet RBC® World Elite Mastercardǂ is worth up to $450, since WestJet points have a value of 1 cent per point most of the time.

Make use of the annual companion voucher (including in the first year) and free first checked baggage benefits on the card† to get more value out of the very reasonable $119 annual fee.†

Marriott Bonvoy American Express Card

The personal version of Marriott’s co-branded credit card in Canada is currently offering its standard bonus of up to 55,000 Marriott Bonvoy points.

Fortunately, you’ll get the entire bonus upon spending $3,000 in the first three months, which should be within reach for most.

Then, keep this card around for the long-term with its annual Free Night Award and 15 elite qualifying nights towards status.

TD^® Aeroplan^® Visa Platinum^* Card

With a signup bonus of up to 15,000 Aeroplan points^†, an annual fee rebate for the first year^†, and no personal income requirement, this card is one of the best ways for beginners early in their credit journey to begin collecting meaningful sums of Aeroplan points.

What Makes a Credit Card Welcome Offer Appealing?

Prior to diving into the offers, let’s first go over the factors we’ve taken into consideration when compiling the below list.

First and foremost, we take into consideration the size and value of a card’s welcome bonus, including ones that provide the most sizable boost to your points balance with a minimum threshold of $500 in First-Year Value (see below).

Next, we also take into consideration cards that have a relatively low threshold to meet the full welcome bonus. While some offers are high, you have to put in an extraordinary amount of work to get there, and your spending may be better targeted elsewhere.

Lastly, we’ve included some honourable mentions for cards that offer outsized value in any other way that we think warrants your attention.

How We Determine the First-Year Value of a Credit Card Welcome Offer

On our credit card comparison tool and our individual credit card pages, you’ll notice that we list a First-Year Value figure. This is an in-house calculation that me make that’s often quite different than what you might find on a financial institution’s website.

Here’s how we determine the value of a welcome bonus:

• Add the total amount of points earned from the welcome offer in the first year
• Add the total amount of points earned by completing the minimum spending requirement in the first year, assuming the card’s baseline earning rate
• Convert the total amount of points earned into a dollar figure using our Points Valuations
• Add any annual credits that the card offers (if any)
• Subtract the card’s first-year annual fee (if any)

We believe that this calculation gives an indication of the minimum value anyone can expect to get from a card in the first year. Sure, you can certainly get greater value in the first year (and subsequent years) by leveraging category earning rates, lounge access, insurance, and other card features; however, this is unique to each individual and difficult to quantify with certainty.

By contrast, many financial institutions use a calculation of the maximum amount of value you can expect to get from a card in the first year, since they’ll often include value from lounge visits, spending in various categories throughout the year, supplementary cardholder annual fee rebates, NEXUS application fee rebates, checked baggage fee equivalents, and more.

Conclusion

There you have it: our top picks for the best offers available on Canadian travel credit cards.

If you’re interested in learning more about the offers, follow the links above, or consult our credit card comparison tool.

If you’d like some more personalized information, consider joining the Prince of Travel community to connect with likeminded peers, or to book a Points Coaching call with one of our in-house experts.

^† Terms and conditions apply. Refer to the card issuer’s website for complete up-to-date information. 

Card issuers are not responsible for the accuracy of the content on this website. Reasonable efforts are made to ensure accuracy with content.