Looking for credit card offers in Canada? We compared more than 35 credit cards from some of Canada’s biggest banks and alternative financial institutions to find standout credit card deals for 2026.
We’ve been tracking credit card promotions in Canada for years to help customers like you score the best rewards—from cash back offers of up to 10% and 0% balance transfer offers to over 100,000 bonus points.
As new offers become available, we update this guide so you never miss the latest sign-up bonuses, cash back deals and credit card special offers.
Credit card offers spotlight (2026)
Credit card offer with no annual fee: SimplyCash Card from American Express—Get 5% cash back
Balance transfer credit card offer: BMO CashBack Mastercard—Get up to 5% cash back + 0.99% balance transfer rate
Cash back credit card offer: RBC Cash Back Mastercard—Get up to 7% cash back
Rewards credit card offer: BMO Ascend World Elite Mastercard—Get up to 100,000 points + 0% balance transfer rate + 1styear annual fee waiver
Student credit card offer: BMO CashBack Mastercard For Students—Get up to 5% cash back
TD credit card offer: TD Aeroplan Visa Infinite Privilege Card—Get up to 85,000 Aeroplan points
CIBC credit card offer: CIBC Aventura Visa Infinite Privilege Card—Get up to 80,000 Aventura Points
RBC credit card offer: RBC Cash Back Mastercard—Get up to 7% cash back
BMO credit card offer: BMO CashBack Mastercard—Get up to 5% cash back + 0.99% balance transfer rate
Scotiabank credit card offer: Scotia Momentum Visa Card—Get a 0.99% balance transfer rate
Offers were last updated in August 2026 and were chosen based on factors like the offer value and our affiliate partnerships.
Get $100 when you spend $1,500 in the first 3 months
Why you can trust Finder's credit card experts
We're free
Our comparison tables are completely free to use. We link you directly to the lender's secure application page. Sometimes, we have exclusive offers that you won't find on any other site.
We're experts
Since 2018, we've researched 150+ cards and published hundreds of financial guides. Major media outlets like The Globe and Mail, BNN Bloomberg and the Financial Post have referenced our work.
We're independent
We're not owned by a bank or lender. That means our opinions are our own, and you can compare a wide selection of Canadian credit cards on Finder.
We're here to help
We've helped thousands of people compare offers and find a credit card. We'll never ask for your personal information. We're here to help you make a decision.
Key takeaways
The best credit card offers in Canada—including high cash back rates, impressive points bonuses and more—often come from major financial institutions.
To qualify for a credit card promotion, you’ll need to apply for a new card, get approved and sometimes complete specific actions over a period of time.
Look for deals that align with your spending and preferred rewards, and pay attention to standard rates and fees that apply after the credit card bonus ends.
No annual fee credit card offers
Looking for credit card offers with no annual fee? No annual fee cards periodically come with accelerated cash back, bonus rewards, or balance transfer promos. Standard non-promotional benefits likely won't compete with a costlier card, but if your priority is steering clear of annual fees, check out these no annual fee credit card offers.
SimplyCash Card from American Express
In your first 3 months, earn a bonus 5% cash back on all purchases on top of your everyday cash back earn rates (up to $2,000 in purchases). That’s up to $100 in bonus cash back.
up to 15% boosted cashback at thousands of partners across Canada
Purchases
19.99% - 29.99% (up to 25.24% in QC)
Cash advances
22.99% - 31.99% (up to 25.24% in QC)
Features
Instant decision
No annual fee for additional card
Balance transfer credit card offers
Balance transfer offers can help you pay off debt with low or no interest. Promotional rates will apply for a limited time (typically several months up to 18 months) before regular rates kick in. When comparing credit card transfer balance offers, keep an eye on fees, standard rates and transfer limits.
BMO CashBack Mastercard
Get up to 5% cash back in your first 3 months (apply by October 31, 2026). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Earn up to 25,000 bonus points (apply by October 31, 2026), and get a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.
Cash back credit card offers come in handy when you plan to spend substantially. If you pay off your balance before interest accrues, you can earn back a chunk of your purchase and avoid debt. Even ordinary everyday spending on groceries and gas can be rewarding with a special cash back offer.
RBC Cash Back Mastercard
Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases. Apply by September 30, 2026
Get up to 5% cash back in your first 3 months (apply by October 31, 2026). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. Apply by November 1, 2026
Like cash back deals, rewards point credit card offers are designed for big spenders and those who regularly put everyday expenses on credit (and pay off the balance right away) to reap rewards. Frequent users can score a bonus for their next shopping haul or getaway with these welcome points and travel credit card offers.
BMO Ascend World Elite Mastercard
Get up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and get the $150 annual fee waived in the first year (apply by October 31, 2026). That's up to $1,600 in value. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.
Get up to 200,000 welcome points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder. That's up to $2,300 in value. Apply by October 31, 2026. Plus, get 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.
When it comes to credit card offers, RBC has a lot to offer points collectors, although you might also sometimes find other types of deals, including cash back and balance transfer offers. Avion and WestJet points collectors can land impressive bonuses, and RBC is one of the only issuers in Canada with credit cards tied to the Moi, More Rewards and Avios programs.
RBC Cash Back Mastercard
Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases. Apply by September 30, 2026
We've seen BMO credit card offers reach up to $2,000+ in value for premium cards, including benefits like 100,000+ rewards points, airport lounge access, NEXUS Statement Credit, BMO statement credit and more. BMO's wide range of cards come with a similarly wide range of special offers related to cash back, balance transfers, annual fee waivers and rewards points.
BMO CashBack Mastercard
Get up to 5% cash back in your first 3 months (apply by October 31, 2026). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Earn up to 25,000 bonus points (apply by October 31, 2026), and get a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.
Scene+ members can earn points faster with Scotiabank credit card offers that let you earn up to tens of thousands in bonus points for travel, entertainment, groceries, gift cards and more. Promotions also include limited-time low purchase rates, low balance transfer rates and accelerated cash back.
Scotia Momentum Visa Card
Get a 0.99% introductory interest rate on balance transfers for the first 9 months. Offer ends January 3, 2027
Some CIBC credit card offers have been known to top $1,000 in value when you add up perks like Aventura points bonuses, annual fee rebates, complimentary airport lounge visits, free Skip+ memberships and more. Occasionally, you can find attractive low or 0% CIBC balance transfer offers—just keep an eye on transfer limits and fees.
CIBC Aventura Visa Infinite Privilege Card
Get up to 80,000 Aventura Points (up to $1,600 in travel value).
Get the first-year annual fee rebate for you and up to 3 authorized users and earn 10% cash back for the first 4 statements on net purchases of up to $2,000.
TD credit card offers can include high cash back rates, annual fee waivers and Aeroplan promotions ranging from tens of thousands of points to well over 100,000 points. When comparing TD credit card promotions, keep an eye on the calendar as deals change regularly and may align with seasonal trends like the spring/summer travel season or winter holiday spending.
To take advantage of credit card deals before the promotional period expires, go to the issuer’s website and submit an application online.
Compare credit card offersCompare credit card bonus offers, including the type of reward, expiry date and eligibility criteria. Pay attention to the card’s standard rates and fees, so you’re not surprised by unexpected costs when the promo period ends.
Apply for a new cardBe ready to provide valid, government-issued ID, proof of Canadian residency and basic personal information. Make sure you understand the credit card offer terms and conditions to avoid hitting any obstacles in the process of earning your reward.
Consent to a credit checkYou’ll need to permit the card issuer to do a hard pull on your credit file to verify your identity and assess your financial profile.
If approved, start using your new cardYou’ll probably receive your new credit card in the mail within one or two weeks. If you need a new card faster, you may be able to pay a fee for rush delivery.
Get your credit card promotionOnce you’ve completed all qualifying actions (such as setting up automatic bill payments or spending a minimum amount), you’ll get your new credit card bonus. You may need to wait to receive some types of bonuses, while others are paid out almost right away.
The best credit card offers in Canada can put a lot in your pocket and give you access to loads of free perks. But opening up a new credit account impacts your credit score and can be a pathway to debt if you don’t manage your spending responsibly. Before applying, consider these points:
What are the card’s standard rates and fees? Credit card bonus offers are designed to be eye-catching, but they don’t last forever. After the promotional period expires, higher default rates and fees will apply. Don’t apply for a card you can’t afford in the long run.
When does the credit card bonus end? Issuers regularly switch up their offers, so you may have some time to think about a promotion before following through. Just don’t wait too long, or you might miss out.
Is getting a new credit card beneficial? Different cards come with different perks, ranging from low rates and fees to rewards and premium benefits. Which features are your priority, and will a new card meet your financial needs and goals better than the card(s) you already have?
What are the requirements? In addition to age and Canadian residency requirements (unless you’re a temporary resident), credit cards usually come with minimum income and credit score requirements. Credit card offers may also require qualifying actions or impose limits on the bonuses you can get.
Bonuses and perks. If you meet the qualification requirements, credit card offers provide a relatively easy way to put some extra cash in your pocket or rack up accelerated rewards for your next trip or fun purchase.
Variety. Credit card deals exist for just about every type of spender, from those who want to consolidate and pay off debt faster to frequent spenders who want to earn back as much of their purchases as they can.
Rewards for everyday spending. Credit card promotions reward you above regular reward levels for spending on everyday expenses like gas and groceries. Life costs money. You might as well earn something extra for your payments.
Cons
Requirements. Getting approved for a credit card can be tough if your finances aren't in shape, although it's not impossible. Even after you're approved, you may still need to complete certain actions to benefit from a credit card promotion.
Limits. Spending caps may apply to promotional rates and rewards, or high spending may be required to earn the maximum cash back or points bonus.
Debt and ongoing costs. Standard rates and fees apply once the promotional period ends, which could include an annual fee or high interest on unpaid balances (unless you have a card with no annual fee or a low ongoing rate). Spending irresponsibly could land you in a cycle of debt.
How many credit cards can I have?
The short answer is that you can have as many credit cards as you qualify for. There’s no legal limit in Canada to the number of credit cards you can hold, and you can switch to new cards whenever you want (provided your balance is entirely paid off or transferred to another card).
In fact, if you have more than one credit card, you’re not alone. Clearly Payments reports that the average Canadian holds 2.7 cards.
However, wanting a new credit card doesn’t necessarily mean you’ll get it. Individual card issuers determine your eligibility based on their own standards, which usually consider your income, existing debt, payment history and other factors.
The better your credit score, the more cards you can qualify for. But there are options if you have poor credit, such as secured cards, which can help build your credit score, so you can qualify for better cards.
Bear in mind that credit card deals and promotions are usually reserved for new cardholders. You likely won’t qualify for a special offer on a card you currently have or have had in the past.
Sign up to receive our promotion roundup emails so you never miss an offer:
Credit card debt is the most commonly held type of debt in Canada, according to the Finder: Consumer Sentiment Survey March 2026. More than half of Canadians (56%) carry a balance on at least one credit card. Around one in five Canadians have a mortgage (22%), personal line of credit (20%) and/or auto loan or lease (18%).
While credit cards may be popular for financing unaffordable purchases and possibly racking up rewards, they can also be a source of stress if not managed responsibly. Our survey revealed that non-mortgage debt payments—such as credit card, student loan and personal loan payments—are a top financial concern for nearly 20% of Canadians.
A generous credit card offer can help you get ahead of debt and get rewarded for your spending. Compare welcome bonuses to find the best one for you.
The best credit card offer depends on the type of bonus you want and how you plan to use your new card, but some of the best promotions currently available include:
RBC Cash Back Mastercard: Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases. Apply by September 30, 2026
BMO Ascend World Elite Mastercard: Get up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and get the $150 annual fee waived in the first year (apply by October 31, 2026). That's up to $1,600 in value. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.
BMO CashBack Mastercard: Get up to 5% cash back in your first 3 months (apply by October 31, 2026). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Here are some of the best American Express credit card offers in Canada in 2026:
SimplyCash Card from American Express: In your first 3 months, earn a bonus 5% cash back on all purchases on top of your everyday cash back earn rates (up to $2,000 in purchases). That’s up to $100 in bonus cash back.
SimplyCash Preferred Card from American Express: Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months.
Business Platinum Card from American Express: Earn up to 150,000 bonus Membership Rewards points.
Some of the top Visa credit card offers on the market in Canada in 2026 include:
Scotia Momentum Visa Infinite + Card: Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. Apply by November 1, 2026
BMO eclipse Visa Infinite: Get up to 70,000 Bonus points, monthly streaming statement credit, a $50 statement credit, and the $120 annual fee waived by your first anniversary. That's up to $1,150 in value. Apply by October 31, 2026.
CIBC Dividend Visa Infinite Card: Get the first-year annual fee rebate for you and up to 3 authorized users and earn 10% cash back for the first 4 statements on net purchases of up to $2,000.
In 2026, some of the top Mastercard credit card offers in Canada include:
BMO Ascend World Elite Mastercard: Get up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and get the $150 annual fee waived in the first year (apply by October 31, 2026). That's up to $1,600 in value. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.
BMO CashBack World Elite Mastercard: Get $40 cash back each month when you spend a minimum of $2,000 in your first year and get the $139 annual fee waived in the first year. Also, get $75 market value Roadside Assistance. That's up to $650 in value. Apply by October 31, 2026. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.
RBC Cash Back Preferred World Elite Mastercard: Get 12% cash back for the first 3 months on up to $2,000 in total purchases. Apply by September 9, 2026
If you're looking for Aeroplan credit card offers to rack up rewards for your next trip, here are some of the best deals we could find in 2026:
CIBC Aeroplan Visa Infinite Privilege Card: Get up to 100,000 Aeroplan bonus points when you meet the spend requirements.
American Express Aeroplan Reserve Card: Earn up to 85,000 Aeroplan points. Plus, you could earn up to $4,400 in value within your first 13 months
TD Aeroplan Visa Infinite Privilege Card: Earn up to 85,000 Aeroplan points.
As of 2026, students can score special signup offers with these credit cards:
BMO CashBack Mastercard For Students: Get up to 5% cash back in the first three months (up to max. spend of $2,500). Apply by October 31, 2026.
CIBC Dividend Visa Card for Students: Get up to 10% cash back for the first 4 statements on total purchases of up to $1,000.
Most credit card promotions are only available to new cardholders, which means you probably won't qualify for special offers on cards you currently hold or have held in the past.
If you have a different credit card from the same financial institution, you might still qualify for a new credit card offer. Before applying, check with your bank or card issuer to verify your eligibility.
Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family.
See full bio
Stacie's expertise
Stacie
has written
236
Finder guides across topics including:
Going abroad and wondering whether you can use your credit card while travelling? Here’s the lowdown on credit cards vs. cash, fees, and which cards to get.
Compare guaranteed approval credit cards for bad credit in Canada and learn how to qualify for a card.
Advertiser disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
