Same list of cards we saw in October, November and December. We did notice that CIBC updated the terminology for the Aventura offer to new CIBC customers only - if you have a had or have a CIBC card already you may not get the annual fee rebate. You may also ask with the upcoming devaluation of the two BMO cards why are they still on the list? For the BMO Rewards World Elite, you're getting the Priority Pass benefits for no cost, however the 20,000 points may no longer be worth $200 but more like ~$142 unless they change the sign up bonus com the 15th. After you use up the points and use up your Priority Pass then you can reconsider keeping the card. Same with the AIR MILES card - the devaluation is the 25% discount for flights in North America dropping to 15% as of January 15th but no matter what 3,000 miles for $0 is an awesome deal.
Here are our top 5 credit card sign up offers for January (in alphabetical order)
BMO AIR MILES World Elite Mastercard - 3,000 Miles (Apply here)The best ever sign up bonus for an AIR MILES co-branded card makes it into our Top 5 sign up list thanks to its 3,000 miles sign up bonus (worth ~$300 or more) 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.
It's been awhile since this card has graced the top 5 credit card sign
up offers! 20,000 points is your sign up bonus that is worth $200 in
travel and since the card is first year free right now (they bill you
$150 and then rebate after several months) that means your $200 in
travel is free and yes you even get the Priority Pass access and 4
lounge passes included in that first year free.
The CIBC Aventura Visa Infinite card offers a 15,000 Aventura Points sign up bonus worth anywhere from $150 to $300 depending on what type of flight you redeem for and since the annual fee of $120 (and supplementary cards are waived as well) those 15,000 points come at no cost to you.
Scotiabank Gold American Express Card - 25,000 Points (Apply here)
A very strong card in the earn category for Gas, Grocery and
Dining/Entertainment purchases, the current sign up bonus for the
Scotiabank Gold American Express Card is 25,000 points when you reach
$1,000 in spending in the first three months. That 25,000 points is
equal to a $250 travel credit and since this card is a book anywhere
card you can book the travel how you want when you want and when the
charge shows up on your account you can redeem the points against the
charge. The card normally has a $99 annual fee but of course that is
waived in the first year during this promotion.
TD First Class Visa Infinite Card - 50,000 Points (Apply here)Its been awhile since this card has had a good sign up offer and now it has what we can recall as one of its highest bonuses of 50,000 points but that's not all it also has the first year fee waived! You get the standard sign up bonus of 20,000 upon approval and another 30,000 when you spend $1,000 in the first 90 days of having the card. Those 50,000 points translate to $200 worth of travel credits for any travel booking or $250 worth of travel for bookings made via Expedia For TD
If you went for all these cards you ultimately could end up with $1,300 or so in travel credits but 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
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