Here are the Rewards Canada Top 5 Credit Card Sign Up offers for the month of November! This is not a ‘best’ credit card
list like our Top Travel Rewards Credit Card rankings but instead a look at cards that have very good acquisition (welcome/sign up) offers. As always when choosing a card
you should always take other factors into account other than the
just sign
up bonus, but when most or all of these cards are first year free, they
can and
do pay off even when you grab them strictly for the sign up rewards.
This month we once again have 3 cards that have no annual fee in the first
year and two cards with an annual fee in the first year.
There are no changes to the list for this month but we did want to let you know that you will now also find this list right on the Rewards Canada homepage for easy reference! Heads up that this is the last month to grab the TD Aeroplan Visa Infinite Card and TD First Class cards with their current offers.
Here are our top 5 credit card sign up offers for November (in order of welcome bonus value)
TD Aeroplan Visa Infinite Card – 40,000 Miles (Apply here)
TD has come out with the best ever offer for this card and it is first
year free so that means up to 35,000 of the 40,000 miles would come to
you at no cost other then spending on the card. The
bonus is awarded as follows: 15,000 Aeroplan Miles when you make your
first Purchase with your Card +
Double Aeroplan Miles on all purchases in the first three months (up to
20,000 miles) and 5,000 miles for adding an additional card ($50 fee).
Depending on how you redeem those Aeroplan miles should be
worth no less than $400 but more likely closer to $800 or more! In fact
if you take the per mile value from our post from late July this welcome bonus would be worth $2,000 or more.
Minimum
Income: $60,000
Personal or $100,000 Household
Marriott Bonvoy American Express Card – 50,000 Points (Apply here)
This is the first card on the list
that has an annual fee right of the bat but the sign up bonus and other
benefits more than make up for it. The 50,000 points, awarded after
spending $1,500 on the card in three months are worth at least $500 in
our minds which means after subtracting the annual fee you are coming
out ahead by $380. In reality you can pull even more value out of the card (into four figures) as we outlined in our post A look at how The Marriott Bonvoy American Express Card provides huge value!
Minimum Income: N/A
National Bank of Canada World Elite Mastercard – $480 Cash Back (Apply here)
This
the second card on the list
that has an annual fee that isn’t waived, however the sign up bonus and other
benefits provide some big value over that annual fee. You will get $40 cash back for each
month you spend $500 on the card in the first 12 months. This will give
you $480 in rewards but then subtracting the annual fee of $150 you are
coming
out ahead by $330.
Minimum
Income: $80,000
Personal or $150,000 Household
BMO AIR MILES World Elite Mastercard – 3,000 Miles (Apply here)
This
almost
best ever sign up bonus for an AIR MILES co-branded card continues on
our Top 5 sign up list thanks to its 3,000 miles sign up bonus
(worth a minimum of $315) and no annual fee in the first year! Even if you
aren’t a
fan of AIR MILES the fact you can get
3,000 miles and them use them as cash rewards for no cost to you should
be enough
to go out and get this card. Please note: new Collectors have Miles
automatically deposited into their Dream Account, not their Cash
account.
Minimum Income: $80,000 Personal or $150,000
Household
TD First Class Visa Infinite Card – 90,000 Points (Apply here)
This card is offering up to 90,000 points when you apply for
it along with the first year annual fee waived on the primary card. The
bonus is awarded as follows: 20,000 points when you make your
first Purchase with your Card +
Double Points on all purchases in the first three months (up to 60,000
points) and 10,000 points for adding an additional card ($50 fee). Those 90,000
points (less the add. card fee) translate to $310 worth of travel credits for any travel booking
or $400 worth of travel for bookings made via Expedia For TD.
Minimum Income: $60,000
Personal or $100,000 Household
If you went for all these cards you ultimately could end up with
anywhere from $1,700 to over $3,000 in travel value. However even if you only take
on
one or two you are helping your travel budget significantly at no cost
other than regular credit card spend. We don’t really recommend getting
all five in one month unless you know you can meet the minimum spend for
them all at once, rather you’d want to pick one or two right now,
perhaps another next month and so on.
Disclaimers:
American Express is not responsible for maintaining or monitoring the
accuracy of information on this website. For full details and current
product information click the Apply now link.
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for the contents of this site including any editorials or reviews that
may appear on this site. For complete and current information on any TD
product, please visit the TD site.