The Best Cash Back Credit Card Welcome Bonus Offers for September 2025

Here are Rewards Canada’s Top 5 Cash Back Credit Card Sign Up offers for the month of September. This is not a ‘best’ credit card list like our Top Cash Back Credit Card rankings but instead look at cards that have the best cash back welcome bonus sign up offers. This list includes cards that may not be considered as your typical cash back cards but have cash back rewards as part of their offerings.

Recommended reading: The Best Travel Credit Card Welcome Bonus Offers

As always when choosing a card you should always take other factors into account other than the just sign up bonus, but when some of these cards are first year free, they can and do pay off even when you grab them strictly for the sign up rewards.

The Best Cash Back Credit Card Sign Up offers for September 2025:

 

TD First Class Travel^® Visa Infinite* Card

Welcome offer cash back value: $412.50

The new record high offer on the TD First Class Travel Visa Infinite Card of up to 165,000 points moves the card into the top spot for cash back! Yes it’s a travel card but the welcome bonus when redeemed via the statement credit cash back option is the highest cash back offer in market.

Pay no annual fee in the first year and earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card† and then earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†. Conditions Apply. Offer effective as of September 4, 2025.

 

Minimum Income: $60,000 (individual) or $100,000 (household)

Apply here for the TD First Class Travel Visa Infinite Card

 

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American Express® Gold Rewards Card®

Welcome offer cash back value: $350

Another a travel rewards card that tops all the cash back card, the Amex Gold Rewards Card’s welcome bonus of up to 60,000 points is the second best offer in market this month! You’ll earn 5,000 points after you spend $1,000 on your Card in each monthly billing period in your first 12 months of Cardmembership. This could add up to 60,000 points in a year.

Those 60,000 points are worth $600 in cash back statement credits, take away the $250 annual fee  and you get the $350 in value.

Minimum Income: No minimum income requirement

Apply here for the American Express Gold Rewards Card

 

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TD Cash Back Visa Infinite Card

Welcome offer cash back value: $350

This card ties for second spot by offering 10% cash back on a total spend of $3,500 in Gas Purchases, Grocery Purchases and Pre-Authorized Payments in the first three months. The card does come with a first year annual fee rebate on the primary card and allows to redeem as little as $25 cash back at anytime for a statement credit. Conditions Apply. Offer effective as of April 30, 2025. This offer is not available to customers in Quebec.

Minimum Income: $60,000 (individual) or $100,000 (household)

Apply here for the TD Cash Back Visa Infinite Card

 

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BMO CashBack® World Elite®* Mastercard®*

Welcome offer cash back value: $335

Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first anniversary*,

The cash bonus is awarded as a 10% earn rate on up to $500 qualified spend in grocery, up to $300 qualified spend in transit, up to $300 qualified spend in gas and electric vehicle charging, up to $500 qualified spend in recurring bill payments, and up to $1000 qualified spend on all other purchases.

You can also earn an additional $75 cash back bonus when you spend $25,000 in your first year.

Minimum Income: $80,000 (individual) or $150,000 (household)

Click here to apply for the BMO CashBak World Elite Mastercard

 

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Scotiabank Gold American Express Card

Welcome offer cash back value: $335

Welcome offer: Earn up to 50,000 bonus Scene+ points¹ and pay no annual fee in your first year. Offer ends Oct 31, 2025,

The bonus is broken down as 30,000 bonus Scene+ Rewards points by making at least $2,000 in everyday eligible purchases in your first 3 months and then an additional 20,000 bonus Scene+ Rewards points when you spend $7,500 within your first 12 months. As it is offered free in the first year and you can earn the second half of the bonus sooner than 12 months you could use the full amount of 50,000 points to get $335 in cash back statement credits.

Minimum Income: $12,000

Click here to apply for the Scotiabank Gold American Express Card

 

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 Here are the next 5 cards offering the best cash back value from their welcome bonuses:

6. CIBC Dividend® Visa Infinite* Card  / CIBC Dividend® Platinum* Visa Card
10% cash back on purchases for the first 4 months (up to  $2,500) plus your first year annual fee waived
Welcome offer cash back value: $250.00

7. Scotia Momentum® VISA* Infinite card
10% cash back on purchases for the first 3 months (up to $2,000) plus your first year annual fee waived
Welcome offer cash back value: $200 

8. RBC Avion Visa Infinite Card
Up to 55,000 bonus Avion Points. Earn 35,000 on approval and 20,000 when you spend $5,000 in the first 6 months.
Welcome offer cash back value: $199

9. Scotiabank Platinum American Express Card
Earn 60,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months and earn a 20,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months.
Welcome offer cash back value: $137

10. MBNA Rewards World Elite® Mastercard®
Earn 20,000 bonus points after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
and 10,000 bonus points once enrolled for paperless e-statements within the first 90 days of account opening.
Welcome offer cash back value: $129

 

Originally posted on May 2, 2024 @ 2:00 pm