11 Incredible Credit Cards Welcome Offers in July 2024

A welcome offer is a bonus offered for new credit card sign-ups, with the goal of attracting new customers. Welcome offers are often offered in a variety of forms, such as cash back, bonus points or waiving the annual fee for the first year. But the best credit card is not the same for everyone, since we all have different needs. So you shouldn’t choose a credit card just to get a gift or points, or whatever. However, if you have a choice between two similar credit cards and one of them has a welcome offer worth hundreds of dollars, let the better offer win!

1. Scotiabank Platinum American Express: up to $2,100

[Offer productType=”CreditCard” api_id=”62c4512c8e710d4f783b951c”]

This card isn’t for everyone’s wallet, but Scotiabank’s American Express Platinum credit card has a great welcome offer. If you open your account before October 31, 2024, you’ll earn a $2,100 bonus in the form of 60,000 Scene + points. These will be paid to you on condition that you make qualifying purchases of at least $3,000 in the first three months (for 50,000 points), and a total of $10,000 in purchases over the first 14 months (to get the other 10,000 points).

An interesting feature of this card is its low interest rate on purchases and cash advances. It’s only 9.99%! Perfect if you’re spending a lot in a short time.

With the Scotiabank American Express Platinum card, earning rewards is easy. It earns 2 Scene+ points on every dollar you spend, no matter what you buy. You also get 10 free airport lounge visits per year. The card includes comprehensive insurance coverage for travel, car rentals and mobile devices.

Eligibility requirements: Note that no minimum income is indicated on the Scotia website to obtain this card, but it’s advisable to apply only if your income or assets are high, to make it worth your while. As with all Scotiabank welcome offers, if you already have a credit card or are an employee of Scotia, you cannot get this offer.

2. Scotiabank Passport Visa Infinite: up to $1,100

[Offer productType=”CreditCard” api_id=”5f31a9ab92ec22115033b2c2″]

Ideal for people who love to travel, the Scotia Passport Visa Infinite credit card offers a welcome bonus if your account is approved by October 31, 2024. With this card, you earn Scene+ points. By making eligible everyday purchases totalling at least $1,000 in the first three months, you earn an initial bonus of 25,000 points. Add another 10,000 points if you make $40,000 in purchases during the year. The value of the offer also includes the annual fee waiver for the first year.

For everyday spending, this card earns 3 points per dollar spent in certain grocery stores, 2 points in other grocery stores, on entertainment and travel, as well as 1 point on all other spending. Benefits include no currency conversion fees and six free airport lounge visits with Visa Airport Companion.

Eligibility requirements: The welcome offer of the Scotia Passport Visa Infinite card is certainly tempting, but be aware that annual income of $60,000 (individual) or $100,000 (family) is required to obtain the card. Alternatively, assets under management of $250,000 will qualify you. You are not eligible if you already have a Scotiabank personal credit card, have had one within the past two years, or if you are an employee of the Bank.

3. Scotiabank Gold American Express: up to $950

[Offer productType=”CreditCard” api_id=”5f32aa0a63ae8636997fa6a7″]

The Scotiabank American Express Gold card not only offers a high rewards accumulation rate, but also a generous welcome bonus including an annual fee waiver. If you charge $1,000 on your card in the first three months, you’ll earn 25,000 Scene+ points. Within your first year of owning the card, you can earn a second 20,000 bonus points after spending $7,500. To get this welcome offer, apply before October 31, 2024.

A major advantage of Scotiabank is that there are no foreign transaction fees, making this card an excellent choice for travel. Moreover, the Scotia Gold American Express card gives you 3 to 6 points per dollar spent in grocery stores, on travel and entertainment, plus one point per dollar on all other purchases.

Eligibility requirements: Please note that if you currently have a Scotia credit card or have had one in the past two years, you are not eligible for this offer. The same applies if you work at Scotiabank.

4. RBC Avion Visa Infinite: up to $750

[Offer productType=”CreditCard” api_id=”5f354f1692ec22115033b30a”]

The RBC Avion Visa Infinite credit card is the perfect card if you’re a frequent flyer. As a welcome offer, you earn up to 35,000 Avion Rewards points. Reward points will appear on your credit card statement approximately 60 days after you get accepted. While many issuers require you to spend a certain amount over several months to get bonus points, RBC’s offer is simple and caught our eye.

The RBC Avion Visa Infinite comes with generous cancellation, interruption and medical travel insurance. In addition, you earn 1.25 Avion points for every dollar spent on travel and 1 Avion point for every dollar spent on everything else. In addition to airline tickets, these points can be redeemed for merchandise, for points in other loyalty programs or can be used to pay off your credit card balance.

Eligibility requirements: Minimum personal income of $60,000, or minimum household income of $100,000.

5. BMO eclipse Visa Infinite: up to $570

[Offer productType=”CreditCard” api_id=”5ff3e0a918430b1206c2fae4″]

The BMO eclipse Visa Infinite card is one of the most popular options. It offers 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and waives the first year’s $120 annual fee. Apply before November 30, 2024 to benefit from this welcome offer.

As a member of the BMO Rewards Program, cardholders enjoy a wide range of benefits without having to pay (too) high an annual fee.

With the BMO eclipse Visa Infinite credit card, you earn 5 points for every dollar spent on transportation, groceries, restaurants and gas. For all other card expenses, you earn 1 point for every dollar spent. However, you can earn 10% more points if you add a second cardholder to your account. Use the calculator on their website to estimate how many points you would need to take the trip of your dreams! If you prefer to stay at home, you can also buy items with points.

Eligibility requirements: To qualify, the minimum income is $60,000 per person or $100,000 per household.

6. BMO CashBack World Elite Mastercard: up to $380 value

[Offer productType=“CreditCard” api_id=“5f31593392ec22115033b2b6″]

The BMO CashBack World Elite is considered the best overall cash back card in Canada right now. And they’re offering you 10% cash back on up to $2,600 in eligible purchases during the first 3 months plus no annual fee for the first year. That’s a cash value of up to $380! Must apply and be approved by November 30, 2024.

Looking for a break on that ludicrous grocery bill? This card gives you the highest grocery cash back rate in Canada of 5% on the first $500 spent each month. You also earn 4% cash back on the first $300 transit (buses, taxis, ride-sharing, etc.), 3% back on the first $300 of gas and EV charging, 2% on the first $500 of recurring bill payments, and 1% on everything else.

You can redeem your cash back anytime for as little as $1. Enjoy a break on your credit card, some extra cash deposited to your account, or invest in your BMO InvestorLine account where it’ll make more free money!

Eligibility requirements: Minimum personal income of $80,000, or minimum household income of $150,000.

7. BMO CashBack for Students: up to $125

[Offer productType=”CreditCard” api_id=”5fad727ccee903123293938a”]

When you’re studying, you can’t always work as many hours as you’d like. So a credit card with no annual fee and an attractive cash back rate is a must! Such is the case with the BMO CashBack Mastercard for Students.

Its promotional rate runs for 3 months after you open your account (by November 30, 2024), and offers 5% cash back on up to $2,500 in eligible expenses, including up to $500 on groceries, $500 on recurring bill payments and $1,500 on all other purchases. When the offer expires, you’ll go back to the regular cash back rate of 3% on groceries, 1% on recurring bill payments and 0.5% on all other purchases.

Once you’ve earned enough points with the BMO CashBack Mastercard for Students, redeem them for a statement credit or a payment into one of your BMO accounts. You can redeem your points as soon as you reach $1, but you’ll need at least $25 for automatic recurring deposits.

8. Tangerine World Mastercard: up to $100

[Offer productType=”CreditCard” api_id=”5f344d1b92ec22115033b303″ id=”176549″]

The Tangerine World Mastercard comes with an extra 10% cash back for two months on up to $1,000 in purchases (worth up to $100), and a promotional rate of 1.95% on balance transfers for six months. This offer expires on October 31, 2024.

This card also offers 2% cash back on two categories of purchases, or three if you sign up for a Tangerine savings account. In addition, you’re entitled to other benefits as a World Elite cardholder, such as additional insurance, access to Wi-Fi and airport lounges around the world, and a travel rewards program.

Eligibility requirements: To get the card, an annual income of $50,000 (individual) or $80,000 (family) is required.

9. Scotiabank No-Fee Momentum Visa: up to $100

[Offer productType=”CreditCard” api_id=”5f32ba8692ec22115033b2dc”]

The Scotiabank no-fee Momentum Visa card entitles you to 1% cash back at gas stations, grocery stores and drugstores, as well as on all recurring bill payments. For all other charges, you’ll earn 0.5% cash back. While the rates aren’t the highest, they’re pretty good for a no-fee credit card and cover a range of categories where people tend to spend the most.

Scotia’s no-fee Momentum welcome offer includes 5% cash back on all purchases. There is, however, a $2,000 spending limit, and the offer applies to the first three months. That means your maximum cash back will be $100, which is pretty good for a card that won’t cost you a thing! There’s also an introductory rate of 0% on balance transfers for the first six months.

If you want an easy, secure way to pay for your most common purchases while building credit and earning a little cash back, Scotiabank’s no-fee Momentum Visa card is an excellent choice. There are no specified eligibility requirements.

10. RBC ION Visa: $40

[Offer productType=”CreditCard” api_id=”63249f0357179a4644cb8b41″]

The free RBC ION Visa card can earn you $40 worth of gift cards (6,000 Avion points) if requested before November 4, 2024. It’s interesting for a free card, because the accumulation of points is quite generous compared to the other RBC card mentioned above. You earn 1.5 Avion points for every $1 spent on groceries, transportation, gas, electric vehicle charging, streaming services and digital entertainment. After that, you earn 1 Avion point per $1 on all other purchases.

This credit card allows you to save 3¢ per liter of gas at Petro-Canada and earn 20% more points. RBC also offers you a free three-month subscription to DashPass. You would get free shipping on orders of $15 or more when you pay with your RBC credit card.

11. Neo Credit: $25

[Offer productType=”CreditCard” api_id=”60fed96813fd2f260ff90748″]

The Neo Credit Card is coming in hot as the best credit card in Canada. And they’re showing loyal Hardbacon readers some extra love with an exclusive $25 cash bonus if you apply through our site and get approved.

With this card in your wallet, you can earn cash back when you shop among Neo’s partner brands. Better yet, there are tons of first-purchase bonuses offering you up to 15% cash back every time you make a first purchase at a partner merchant. After that, you can earn 1% cashback on groceries and gas, and around 5% in restaurants, bars, cafés, 3% from streaming services, carpooling and food delivery in Neo’s vast network of partners. In fact, if your average monthly cash back falls below 0.5%, Neo will compensate (up to a maximum of $50).

And it’s not just a credit card. Neo Credit pairs seamlessly with the free Neo mobile app, which gives you tons of tools to manage your money and boost savings effortlessly. There’s even a GPS map that shows you all the cash back offers near you, so you never miss the chance to make bank. There are no specified eligibility requirements.

Maude Gauthier is a journalist for Hardbacon. Since completing her Ph.D. in communications at University of Montreal, she has been writing about finance, insurance and credit cards for companies like Fonds FMOQ and Code F. As a responsible user of credit cards, she can spend hours reading the fine print to fully understand their benefits. Because of their simplicity, she developed a preference for cash back cards. After suffering steep increases with her former insurer, she can now proudly say that she saved hundreds of dollars by shopping around for her auto and home insurance. In her free time, she reads novels and enjoys streaming popular shows (and possibly less popular shows, like animal documentaries).