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The best credit card promotions and sign up offers for 2024

Natasha-M 1
Natasha Macmillan, Business Unit Director - Everyday Banking

February 21, 2024

From points bonuses and cash back offers to annual fee waivers, there’s no shortage of credit card promotions and sign up offers out on the market. Here's our round up of the best credit card offers in Canada.

Best Ratehub.ca offers - gift cards and cash bonus

Best offers and promotions for cash back credit cards

Best offers and promotions for rewards credit cards

Best offers and promotions for balance transfer credit cards

Best offers and promotions for premium credit cards

Additional details on best credit card offers

Credit card promotions include rewards points, welcome bonuses, cashback incentives, and even exemptions from annual fees. They are designed to draw in new applicants while also enticing existing cardholders to use their credit cards more frequently. These promotions are tailored to provide attractive perks and rewards.

It's important to review the terms and conditions of any credit card promotion to gain a comprehensive understanding of the specifics, including spending minimums, potential post-promotion annual fees and the standard APR. Additionally, individuals should assess their financial objectives and spending habits to determine if a particular credit card promotion or sign up offer aligns with their unique needs and preferences.

Ratehub.ca gift card and cash bonus signup offers

featured

4.5 Ratehub rated

Best for Flexible spending

First year reward
$647/yr

based on spending $2,200/mo after $0 annual fee

Earn rewards

2% – 10% earn rate

Welcome bonus

$100

featured

4.0 Ratehub rated

Best for Travel perks

First year reward
$715/yr

based on spending $2,200/mo after $150 annual fee

Earn rewards

1pt – 3pts / dollar earn rate

Welcome bonus

30,000 bonus points (a $300 value)

featured

Best for Travel perks

First year reward
$808/yr

based on spending $2,200/mo after $150 annual fee

Earn rewards

1pt – 5pts / dollar earn rate

Welcome bonus

70,000 bonus points (a $466 value)

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Best for Everyday spending

First year reward
$470/yr

based on spending $2,200/mo after $120 annual fee

Earn rewards

1% – 10% earn rate

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Best for Food & transit

First year reward
$996/yr

based on spending $2,200/mo after $120 annual fee

Earn rewards

1pt – 5pts / dollar earn rate

Welcome bonus

70,000 bonus points (a $466 value)

featured

4.0 Ratehub rated

Best for Groceries

First year reward
$356/yr

based on spending $2,200/mo after $0 annual fee

Earn rewards

0.5% – 3% earn rate

Anniversary bonus

$50

Cash back credit card signup offers and promotions

featured

4.5 Ratehub rated

Best for Groceries & gas

First year reward
$635/yr

based on spending $2,200/mo after $120 annual fee

Earn rewards

1% – 4% earn rate

Welcome bonus

$200

featured

Best for Groceries & bills

First year reward
$642/yr

based on spending $2,200/mo after $120 annual fee

Earn rewards

1% – 4% earn rate

featured

Best for Everyday spending

First year reward
$712/yr

based on spending $2,200/mo after $120 annual fee

Earn rewards

2% – 4% earn rate

Welcome bonus

$400

Rewards credit card signup offers and promotions

featured

5.0 Ratehub rated

Best for Groceries & dining

First year reward
$660/yr

based on spending $2,200/mo after $156 annual fee

Earn rewards

1pt – 5pts / dollar earn rate

Welcome bonus

15,000 bonus points (a $150 value)

featured

3.5 Ratehub rated

Best for Aeroplan Points

First year reward
$1,216/yr

based on spending $2,200/mo after $139 annual fee

Earn rewards

1pt – 1.5pts / dollar earn rate

Welcome bonus

30,000 bonus points (a $600 value)

Anniversary bonus

10,000 pts (a $200 value)

Balance transfer credit card signup offers and promotions

featured

4.5 Ratehub rated
Balance transfer offer
0.00%

for the first 12 months. 12.99% after promo.

Pay $325.00/mo

during the promo to pay off $3,900 transferred balance

3% Balance transfer fee

A fee of $117 will be added to your balance

featured

Balance transfer offer
0.00%

for the first 10 months. 13.99% after promo.

Pay $390.00/mo

during the promo to pay off $3,900 transferred balance

1% Balance transfer fee

A fee of $39 will be added to your balance

Premium credit card signup offers and promotions

5.0 Ratehub rated

Best for Premium perks

First year reward
$224/yr

based on spending $2,200/mo after $799 annual fee

Earn rewards

1pt – 2pts / dollar earn rate

Welcome bonus

70,000 bonus points (a $700 value)

Anniversary bonus

30,000 pts (a $300 value)

featured

First year reward
$401/yr

based on spending $2,200/mo after $599 annual fee

Earn rewards

1.25pts – 2pts / dollar earn rate

Welcome bonus

50,000 bonus points (a $1,000 value)

Anniversary bonus

25,000 pts (a $500 value)

featured

First year reward
$729/yr

based on spending $2,200/mo after $399 annual fee

Earn rewards

2pts / dollar earn rate

Welcome bonus

60,000 bonus points (a $600 value)