November marks the beginning of the spend-heavy holiday season, with Black Friday (Nov. 24) and Cyber Monday (Nov. 27) kickstarting a whirlwind shopping sprint.
It’s also one of the best times of year for credit card offers (waived annual fees, welcome bonuses, and gift cards) as issuers up the ante to compete for your business. Here, we’ve rounded up some of the credit card offers available to Canadians as of November:
Scotiabank®* Gold American Express® Card
check eligibilityearn up to $650 in value in the first 12 months, including up to 40,000 bonus Scene+ points. Must apply by October 31, 2023.
Card details
- Annual fee: $99 (waived for first year)
- Earn 25,000 bonus points when you spend $1,000 within the first three months ($250 value)
- Earn 4 Scotia Rewards points per dollar on gas, groceries, entertainment, and restaurants; earn 1 point per dollar on all other purchases
- Access to Priority Pass airport lounges worldwide
- Complimentary concierge services
OFFER: Earn 25,000 bonus points when you spend $1,000 within first three months with the Scotiabank Gold American Express card. As well, the annual fee of $99 is waived for the first year. Both offers are valid until Feb. 28, 2018.
American Express Cobalt® Card
check eligibilityApply now and you could earn up to 30,000 bonus points with the American Express Cobalt® Card
Card details
- Annual fee: $120 (charged at $10 monthly)
- Earn up to 40,000 Membership Rewards bonus points in your first year ($400 value)
- Earn 5 points per dollar on restaurants, coffee shops, bars, grocery stores, and food delivery
- Earn 2 points per dollar on gas, taxis, public transportation and travel (air, water, rail, or road transport, plus hotels)
- Earn 1 point per dollar on all other purchases
OFFER: The brand new American Express Cobalt Card offers a welcome bonus of 10,000 membership rewards when you spend $3,000 in your first three months. It also has a rolling bonus structure, giving you 2,500 Membership Rewards points per month when you spend $500 within each monthly billing period.
Card details
- Annual fee: $99 (waived for first year)
- Earn 5% cash back on everyday purchases (up to $3,000) for the first 3 months
- Earn 4% cash back on gas and groceries, 2% back on drugstore purchases and recurring bill payments, and 1% cash back on all other purchases
OFFER: Until Feb. 28, 2018, the $99 annual fee is waived for the first year. The Scotia Momentum Visa Infinite is one of the best cash-back credit cards in Canada, with a welcome offer of 5% cash back on purchases (up to $3,000) for the first three months.
Tangerine Money-Back Credit Card
check eligibilityEarn an extra 10% back on up to $1,000 in everyday purchases within the first 2 months. Must apply by July 5, 2023. Click "check eligibility" to get an additional $100 Amazon gift card 🎁 upon approval.
Card details
- No annual fee
- Earn 2% cash back on purchases in up to three categories of your choice, and 0.5% cash back on everything else
- No limit on how much cash back you can earn
OFFER: Until Nov. 30, get a $25 gift card for Amazon, Indigo, or Cineplex from Ratehub.ca when you’re approved for the Tangerine Money-Back Credit Card.
BMO Ascend™ World Elite®* Mastercard®*
check eligibilityWelcome offer: Get up to 70,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.*
Card details
- Annual fee: $150 (waived for first year)
- 2% back in travel rewards on all purchases
- Earn 20,000 bonus points (value: $200) on your first purchase
- VIP airport lounge access with the included Priority Pass membership, plus 4 complimentary passes per year
- Points can be used to cover all flight charges and taxes
OFFER: Until Nov. 30, the $150 annual fee is waived for the BMO World Elite MasterCard. You’ll also get 20,000 bonus points upon approval, worth $200 in travel rewards.
SimplyCash® Card from American Express
check eligibilityIn your first 10 months as a new SimplyCash® Card from American Express Cardmember, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card. This could add up to $100 in statement credits in the first 10 months
Card details
- No annual fee
- Earn 2.5% cash back on eligible purchases at gas stations, grocery stores, and restaurants for the first 3 months (up to $150)
- After welcome rate ends: earn 1.25% cash back on all purchases, with no limit on amount of cash back you can earn
OFFER: The SimplyCash Card from American Express has no annual fee and has a welcome bonus of 2.5% cash back on gas, groceries, restaurants for the first three months (up to $150).
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