Canada’s Finest Credit score Card Gives for August 2025

Everytime you’re out there for a brand new bank card, one of the crucial vital issues is to measurement up the cardboard’s welcome provide.

In spite of everything, welcome bonuses are a one-time alternative to rapidly increase your steadiness, and ideally, you’ll be able to time your utility for when there’s an amazing provide accessible.

Should you’re on the lookout for a brand new bank card, we’ve put collectively an inventory of our high picks for the very best bank card gives in Canada for August 2025.

What Makes a Credit score Card Welcome Provide Interesting?

Previous to diving into the gives, let’s first go over the elements we’ve considered when compiling the beneath checklist.

Before everything, we think about the scale and worth of a card’s welcome bonus, together with ones that present essentially the most sizable increase to your factors steadiness with a minimal threshold of $500 in First-12 months Worth (see beneath).

Subsequent, we additionally think about playing cards which have a comparatively low threshold to fulfill the complete welcome bonus. Whereas some gives are excessive, you need to put in a unprecedented quantity of labor to get there, and your spending could also be higher focused elsewhere.

Lastly, we’ve included some honourable mentions for playing cards that provide outsized worth in another manner that we predict warrants your consideration.

How We Decide the First-12 months Worth of a Credit score Card Welcome Provide

On our bank card comparability device and our particular person bank card pages, you’ll discover that we checklist a First-12 months Worth determine. That is an in-house calculation that me make that’s typically fairly totally different than what you would possibly discover on a monetary establishment’s web site.

Right here’s how we decide the worth of a welcome bonus:

• Add the whole quantity of factors earned from the welcome provide within the first yr
• Add the whole quantity of factors earned by finishing the minimal spending requirement within the first yr, assuming the cardboard’s baseline incomes charge
• Convert the whole quantity of factors earned right into a greenback determine utilizing our Factors Valuations
• Add any annual credit that the cardboard gives (if any)
• Subtract the cardboard’s first-year annual price (if any)

We imagine that this calculation offers a sign of the minimal worth anybody can count on to get from a card within the first yr. Positive, you’ll be able to definitely get better worth within the first yr (and subsequent years) by leveraging class incomes charges, lounge entry, insurance coverage, and different card options; nevertheless, that is distinctive to every particular person and troublesome to quantify with certainty.

In contrast, many monetary establishments use a calculation of the most quantity of worth you’ll be able to count on to get from a card within the first yr, since they’ll typically embody worth from lounge visits, spending in numerous classes all year long, supplementary cardholder annual price rebates, NEXUS utility price rebates, checked baggage price equivalents, and extra.

Canada’s Finest Credit score Card Gives for August 2025

Right here’s our checklist of the very best bank card gives accessible in Canada for August 2025.

Enterprise Platinum Card from American Specific (Ending Quickly)

For fairly a while, the Enterprise Platinum Card from American Specific has reigned supreme in providing one of many greatest and finest total welcome bonuses in Canada.

Earlier this summer season, we noticed a lift to the already-strong gives, setting a brand new all-time excessive!

Till August 18, 2025, you’ll be able to earn as much as 200,000 Membership Rewards factors, damaged down into three steps:

• Earn 110,000 MR factors upon spending $15,000 within the first three months
• Earn 60,000 MR factors upon spending $90,000 within the first yr
• Earn 30,000 MR factors upon making a purchase order in months 15–17 as a cardholder

You’ll must put in a good quantity of effort to earn the complete bonus; nevertheless, the juice is nicely definitely worth the squeeze. Even in case you simply meet the primary spending threshold and make a purchase order in months 15–17, there’s loads of worth to be present in 140,000 MR factors.

Membership Rewards factors are the very best factors accessible to Canadians, since they are often transferred to 6 airline and two lodge companions, or redeemed flexibly for journey or assertion credit.

There’s additionally worth in holding this card for the long-term, with its limitless lounge entry, complete journey insurance coverage, $200 annual journey credit score, $120 wi-fi credit score ($10 monthly), beneficiant refer-a-friend bonuses, and extra.

Should you can justify the cardboard’s $799 annual price and meet the beefy minimal spending requirement, you’ll be rewarded handsomely to your efforts.

American Specific Platinum Card (Ending Quickly)

The American Specific Platinum Card additionally has a record-high welcome provide accessible in the mean time with as much as 180,000 Membership Rewards factors up for grabs! 

As we see with the Enterprise Platinum, there’s a hefty minimal spending requirement to unlock the complete bonus, which averages out to $4,167 every month for the primary yr. 

Be sure you use Chexy as a key device that will help you unlock the whole welcome bonus.

As a cardholder, you’ll get a $200 eating credit score and a $200 annual journey credit score to make use of every year which assist to offset the cardboard’s $799 annual price, along with the common rotation of Amex Gives, limitless lounge entry, and different worthwhile options for travellers.

That is an impressive provide, so be sure you capitalize on the chance earlier than August 18, 2025 if it’s a very good match for you.

American Specific Aeroplan Enterprise Reserve Card (Ending Quickly)

Should you’re a enterprise proprietor and an Air Canada frequent flyer, be sure you contemplate the present provide on the American Specific Aeroplan Enterprise Reserve Card.

Amex lately supercharged the welcome provide on the cardboard, which pairs a excessive complete welcome bonus of 140,000 Aeroplan factors (as much as 110,000 in yr one) with a excessive spend ($10,500 in three months to unlock 65,000 factors, after which a complete of $75,000 within the first yr to get one other 45,000 factors). 

The final a part of the bonus (30,000 factors) comes upon making a purchase order in months 15–17, which implies that you’ll must pay the $599 annual price twice earlier than you obtain the complete welcome bonus.

In case your spending can meet the necessities, this provide is completely value it, and also you’ll additionally get pleasure from an Annual Worldwide Companion Go as quickly as you hit the $25,000 threshold. 

Plus, this card options plenty of nice Air Canada perks, together with limitless Maple Leaf Lounge entry, rollover advantages, and the power to quick observe qualifying for and sustaining Aeroplan Elite Standing with incomes Standing Qualifying Miles & Segments via spending.

This provide is accessible via to August 18, 2025.

American Specific Aeroplan Reserve Card (Ending Quickly)

The provide on the American Specific Aeroplan Reserve Card additionally lately obtained a major increase, and now comes with as much as 130,000 factors up for grabs.

Within the first three months, you’ll have to spend a median of $2,500 every month ($7,500 complete) to unlock 60,000 Aeroplan factors, and you then’ll get one other 40,000 factors when you attain $45,000 within the first yr. That works out to a median of $3,750 monthly.

The final swath of 30,000 factors simply wants a purchase order in months 15–17.

One in all our favorite methods to knock down minimal spending necessities is making hire, invoice, and private tax funds via Chexy. You’ll be able to schedule your invoice funds to make sure they arrive on time, and the factors you’ll earn with this card’s baseline incomes charge of 1.25 Aeroplan factors per greenback spent (and the welcome provide) simply justify the 1.75% processing price.

Plus, there’s a limited-time provide accessible, whereby you’ll be able to earn as much as 10,000 further Aeroplan factors. 

Not solely is Aeroplan one of the crucial highly effective loyalty packages on the market, however this card comes full of advantages for Air Canada frequent flyers. 

This provide is accessible via to August 18, 2025.

American Specific Gold Rewards Card (Ending Quickly)

The American Specific Gold Rewards Card additionally noticed a lift to its welcome bonus that established a brand new all-time excessive. 

By means of August 18, 2025, you’ll be able to earn as much as 110,000 MR factors. 

Whereas the general measurement and worth of the welcome bonus on the American Specific Gold Rewards Card is excessive, it requires holding observe of a month-to-month minimal spending requirement for the primary yr.

Nonetheless, if the upper annual price on the Platinum card is simply too wealthy to your blood, contemplate this provide as a pleasant various.

If you have already got an Amex Membership Rewards card in your rotation, maintain an eye fixed out for an Improve Provide in your account.

American Specific Enterprise Gold Rewards Card (Ending Quickly)

Simply as we see when evaluating the Gold Rewards Card and the Platinum Card, the American Specific Enterprise Gold Rewards Card is a superb possibility to contemplate in case you can’t fulfill the necessities on the Enterprise Platinum Card.

Till August 18, 2025, you stand to learn from as much as 100,000 Membership Rewards factors as a part of this all-time excessive provide, which requires a median of $2,500 monthly within the first yr to get the lion’s share of the welcome provide.

This card doesn’t include a lot in the best way of perks and advantages, however in case you’re on the lookout for a more cost effective resolution to pad your MR steadiness, look no additional. 

Marriott Bonvoy Enterprise American Specific Card (Ending Quickly)

In Could, American Specific launched a best-ever bonus on the Marriott Bonvoy Enterprise American Specific Card with as much as 130,000 Marriott Bonvoy factors at stake.

75,000 are awarded upon spending $6,000 in three months, after which 40,000 come one you hit $30,000 within the first yr (a median of $2,500 monthly). Make a purchase order in months 15–17 to get one other 15,000 factors.

Ideally, you’ll be able to leverage the cardboard’s class incomes charges on Marriott inns (5x), and fuel, eating, and journey (3x) to spice up your steadiness even additional as you’re employed to fulfill the minimal spending requirement.

As soon as the factors are in your account, maintain this card round for its annual Free Night time Award, in addition to 15 elite qualifying nights to jumpstart your journey to standing every year.

If this glorious provide piques your curiosity, be sure you apply earlier than August 18, 2025, which is when it’s set to run out.

RBC^® British Airways Visa Infinite^†

RBC^® has an simply launched a brand new provide on its British Airways co-branded card, value as much as 60,000 Avios†. Whereas the whole quantity of Avios is identical as earlier gives, the construction has modified, and now you can earn all Avios within the first yr.

British Airways Avios are an amazing forex to have for entry to oneworld airways, particularly because you can convert them into totally different flavours of Avios (because it’s a factors forex shared by The British Airways Membership, Aer Lingus AerClub, Finnair Plus, Iberia Plus, and Qatar Airways Privilege Membership).

Should you worth continuous flights to or from London, you may as well profit from the cardboard’s Companion Award eVoucher, awarded upon spending $30,000 in a yr. 

This new provide is about to run via to February 25, 2026, which leaves loads of time to contemplate it in your portfolio.

Marriott Bonvoy American Specific Card (Ending Quickly)

The private model of Marriott’s co-branded bank card in Canada is presently providing a best-ever bonus of as much as 110,000 Marriott Bonvoy factors, which is about to run out on August 18, 2025.

As we’ve seen with different new boosted gives from American Specific, this one comes with a three-tiered construction with a excessive minimal spending requirement and one other increase in yr two:

• 65,000 Bonvoy factors upon spending $3,000 within the first three months
• 30,000 Bonvoy factors upon spending $20,000 within the first 12 months
• 15,000 Bonvoy factors upon making a purchase order in months 15 and 17

You’ll have to spend an inexpensive common of $1,000 monthly for 3 months to get the lion’s share of the bonus, after which a median of $1,667 over the course of the primary yr to get the following increase.

Once more, you must look to Chexy to assist meet the necessities, and attempt to leverage the cardboard’s class incomes charges to spice up your steadiness nearer to aspirational redemptions.

Hold this card round for the long-term with its annual Free Night time Award and 15 elite qualifying nights in direction of standing.

TD^® Aeroplan^® Visa Infinite Privilege^* Card

TD’s premium Aeroplan co-branded bank card is presently providing a welcome bonus for as much as 85,000 Aeroplan factors.†

Luckily, there’s no month-to-month requirement to maintain observe of. As an alternative, the whole required spending is kind of excessive, at $12,000 within the first 180 days† and $24,000^† within the first yr, however you’ll be rewarded to your efforts with a wholesome Aeroplan steadiness.

This is a superb bank card for Air Canada frequent flyers, given its lengthy checklist of advantages, together with limitless Maple Leaf Lounge entry in Canada and the US,† incomes Standing Qualifying Miles and Standing Qualifying Segments via on a regular basis spending,† and rather more.

Cathay World Elite® Mastercard® – powered by Neo

If in case you have your eyes set on an award flight with Cathay Pacific, the Cathay World Elite® Mastercard® – powered by Neo is the one card in Canada that immediately earns Asia Miles.

There’s presently an elevated welcome provide accessible for as much as 60,000 Asia Miles: 35,000 miles are awarded upon activating your card, whereas the opposite 25,000 come after an inexpensive minimal spending requirement of $5,000 within the first three months.

That is the all-time provide we’ve seen on the cardboard, making now a super time to use.

RBC^® Avion Visa Infinite Privilege^†

RBC’s premium card within the Avion lineup is presently providing a record-high welcome bonus for as much as 70,000 Avion factors.†

Its construction can be very attainable: 35,000 factors on approval,† 20,000 factors upon spending $5,000 within the first six months,† and also you’ll get a further increase of 15,000 factors in yr two.†

With an amazing incomes charge for non-categorized spending (1.25 Avion factors per greenback spent†) and with the distinctive potential to redeem factors for enterprise class flights utilizing the RBC Air Journey Redemption Schedule, contemplate this premium possibility within the Avion lineup in case you meet the earnings necessities.

Take into account this as a pleasant choice to have as a part of your Optimized RBC Credit score Card Portfolio.

Plus, there’s a 15% switch bonus from RBC Avion to American Airways AAdvantage for the month of August 2025 to sweeten the deal even additional.

BMO VIPorter World Elite®* Mastercard®*

Porter Airways hit the bottom working when it lately launched its first-ever co-branded bank card along with BMO, with a welcome provide of as much as 70,000 VIPorter factors.†

The construction of the welcome provide has three tiers, with the ultimate allotment of factors arriving in yr two. Whereas the spending necessities are comparatively excessive, contemplate shifting your Costco spend to the cardboard to get pleasure from plenty of award flights with Porter throughout Canada and the US at a steep low cost.

Should you journey with Porter Airways with any frequency, this can be a nice card to carry on account of its computerized Enterprise Avid Traveller Standing,† which affords you a spread of significant advantages with the airline.

We like this provide on account of its sheer measurement paired with a first-year annual price rebate,† and with the chance to attain outsized worth within the VIPorter loyalty program.

TD^® Aeroplan^® Visa Infinite^* Card

The TD^® Aeroplan^® Visa Infinite^* Card has lengthy remained one in all our favorite Canadian bank cards, and certainly it’s one which we advocate for each Canadian traveller.

Because it stands, the welcome provide on the cardboard is the best amongst its core counterparts in Canada (as much as 40,000 Aeroplan factors).†

The whole spending requirement is unfold out over a full yr, and the first-year annual price rebate† means you received’t incur any prices when you check out the cardboard.

CIBC Aventura® Visa Infinite* Card (Ending Quickly)

CIBC Aventura Factors are an amazing forex to carry to assist offset different prices of journey, particularly in case your major flight and lodging prices are already coated.

As an added bonus, the present provide on the CIBC Aventura® Visa Infinite* Card is each worthwhile and simple to achieve. 60,000 Aventura Factors is value as much as $600 when redeemed for journey,† and also you’ll get the complete allotment after spending $5,000 within the first 4 months.†

Plus, CIBC is the primary financial institution to spice up the NEXUS utility price rebate to $200, which is sufficient to cowl the $120 (USD) utility price. Toss in 4 complimentary lounge visits via the Visa Airport Companion Program, and this card has quite a bit to supply.

The present welcome bonus is up for grabs via to August 19, 2025.

BMO AIR MILES®† World Elite®* Mastercard®*

Should you’re entrenched within the AIR MILES world, then contemplate padding your steadiness with the present excessive provide on the BMO AIR MILES®† World Elite®* Mastercard®*, with as much as 7,000 AIR MILES®† up for grabs.†

RBC^® Avion Visa Infinite^† 

The present spherical of gives on the RBC® Avion Visa Infinite†  and the RBC® Avion Visa Platinum† (see beneath) are a step down from their all-time excessive, which was provided earlier this yr.

Nevertheless, these playing cards nonetheless provide a superb worth proposition in the mean time, combining a comparatively low annual price ($120†) with a really attainable welcome bonus (35,000 factors upon approval†).

Plus, you’ll earn the wonderful RBC Avion factors, that are one of the crucial worthwhile and versatile factors currencies in Canada.

You need to use your Avion factors to complement your British Airways Membership or Cathay Pacific Asia Miles balances, or for the distinctive potential to transform them to American Airways AAdvantage miles – one of the crucial worthwhile loyalty packages round with a 15% switch bonus for August 2025.

It’s also possible to discover worth within the Air Journey Redemption Schedule, particularly for journey in economic system.

The one draw back to this card is it’s reasonably low incomes charges on on a regular basis spending; nevertheless, contemplate pairing it with an RBC® ION+ Visa to construct the optimized RBC bank card portfolio.

RBC^® Avion Visa Platinum^†

In case your private or family earnings doesn’t qualify for the RBC^® Avion Visa Infinite^†, you’ll be able to apply for the RBC® Avion Visa Platinum^† as an alternative, with the identical provide and really comparable perks.

Scotiabank Gold American Specific^® Card

Should you’re on the lookout for a card that earns Scene+ factors at the next charge on every day spending, contemplate the Scotiabank Gold American Specific® Card. You’ll earn 5x Scene+ factors on eligible grocery and restaurant purchases^†, or 6x factors at Empire grocery shops.^†

Plus, the brand new welcome provide matches the cardboard’s all-time excessive, presently providing 30,000 Scene+ factors^† with a low $2,000 spending threshold within the first three months, and a further 20,000 factors^† upon spending of $7,500 within the first yr.

50,000 Scene+ factors is value $500 when redeemed towards journey purchases at 1 cent per level. Throw in a first-year annual price waiver, and there’s by no means been a greater time to get this card.

Honourable Mentions

On this part, we’ll checklist some gives which might be worthy of some further consideration, both on account of their measurement, simply attainable thresholds, or different causes listed beneath.

RBC^® Avion Visa Infinite* Enterprise

The RBC^® Avion Visa Infinite* Enterprise has an amazing welcome bonus accessible for enterprise homeowners: 35,000 Avion factors awarded upon approval.†

Scotiabank Passport® Visa Infinite* Card

Routinely our high decide for Canada’s finest bank card with no international transaction charges, the Scotiabank Passport® Visa Infinite* Card combines a worthwhile welcome bonus of as much as 35,000 Scene+ factors with a low minimal spending requirement ($2,000 in three months)†.

Plus, the cardboard gives nice options for travellers (six complimentary lounge visits with the Visa Airport Companion Program† and powerful insurance coverage), and Scene+ factors are our favorite fixed-value factors program on account of their flexibility.

WestJet RBC® World Elite Mastercardǂ 

RBC lately dropped the provide on the WestJet RBC® World Elite Mastercardǂ.

The whole of 45,000 WestJet factors on provide is value as much as $450, as WestJet factors have a worth of 1 cent per level more often than not.

Consider WestJet factors extra as a fixed-value factors forex reasonably than, say, Aeroplan factors or VIPorter factors, which have loads of alternatives to attain outsized worth.

Make use of the annual companion cross (together with within the first yr) and free first checked baggage advantages on the cardboard† to get extra worth for the cheap $119 annual price.†

TD First Class Journey^® Visa Infinite^* Card

TD’s flagship bank card that earns its proprietary TD Rewards Factors gives nice journey worth exterior of the same old airline or lodge loyalty program ecosystem.

The present provide on the TD First Class Journey^® Visa Infinite^* Card has lately dropped right down to 85,000 TD Rewards Factors from its file excessive, which provided as much as 135,000 TD Rewards Factors.†

85,000 factors is value a hard and fast worth of as much as $475 in direction of any journey reserving by way of Expedia^® for TD^†, and with a really cheap minimal spending requirement unfold out over six months and a first-year annual price rebate†, this provide is completely value contemplating.

Plus, the cardboard lately obtained a makeover, and now has beefed-up incomes charges with extra classes, and 4 complimentary lounge visits every year!

TD^® Aeroplan^® Visa Platinum^* Card

With a signup bonus of as much as 20,000 Aeroplan factors^†, an annual price rebate for the primary yr^†, and a low private earnings requirement, this card is without doubt one of the finest methods for rookies early of their credit score journey to start accumulating significant sums of Aeroplan factors.

Conclusion

There you’ve it: our high picks for the very best gives accessible on Canadian journey bank cards.

Should you’re curious about studying extra concerning the gives, comply with the hyperlinks above, or seek the advice of our bank card comparability device.

Should you’d like some extra customized info, contemplate becoming a member of the Prince of Journey neighborhood to attach with likeminded friends, or to e-book a Factors Teaching name with one in all our in-house specialists.

^† Phrases and circumstances apply. Consult with the cardboard issuer’s web site for full up-to-date info. 

Card issuers will not be chargeable for the accuracy of the content material on this web site. Affordable efforts are made to make sure accuracy with content material.