Before It’s Too Late! Best Credit Card Welcome Offers of January 2020

Couple wearing hats and mittens, while drinking hot beverages in the cold

The new year has just begun, which means there is plenty of time to plan for the months ahead. Will you jet off to a sunny location? Decide to save money? Work on paying off that post-holiday debt?

The right credit card can help you attain your goals. Whether it’s a cash back, low balance transfer, or travel rewards card, welcome offers may help you achieve those objectives faster. You may be lounging on the beach, buying that new flat screen tv, or paying down your balance in no time.

To help you wade through the bonuses and deals, we’ve collected the top five welcome offers for the month of January. Most of these promotions run for a limited time, so before it’s too late, check out the best credit card welcome bonus offers for this month:

Our Top Picks:


SimplyCash™ Preferred Card from American Express

SimplyCash Preferred From American Express

Sign up for the SimplyCash™ Preferred Card from American Express and earn 5% cash back for your first 6 months, up to $300 cash back.

Regular features and benefits of this card include:

  • Annual fee: $99
  • No annual fee for supplementary cards
  • Earn 2% cash back on everything you buy
  • No limit to the amount of cashback you can earn (after the welcome offer expires)

Cardholders enjoy all that American Express Invites has to offer including exclusive access, advanced ticket sales, experiences, and deals. This card also offers a full suite of travel insurance and shopping coverages.

Sign-Up Bonus Expiry Date: N/A (subject to change without notice)


TD Cash Back Visa Infinite* Card

TD Cashback Visa Infinite

The TD Cash Back Visa Infinite* Card offers new cardholders 10% back on all purchases for the first three months, up to a total spend of $2,000. Plus, the $120 annual fee is waived for the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Earn 3% cash back on eligible grocery purchases, gas purchases, and regularly recurring bill payments set up on your account
  • Earn 1% cash back on all other purchases

This card also features emergency road services with the Deluxe TD Auto Club Membership, travel benefits, exclusive hotel offers, and complimentary Visa Infinite Concierge services.

Sign-Up Bonus Expiry Date: March 2, 2020


TD® First Class Travel® Visa Infinite* Card

TD first class travel visa infinite

Apply for the TD® First Class Travel® Visa Infinite* Card and you can earn up to an additional 80,000 bonus TD Points. That is a $400 value when you book travel through ExpediaForTD.com. Plus, the $120 annual fee for the primary cardholder is waived for the first year.

Bonus points requirements:

  • Earn the first 20,000 bonus points when you make your first purchase using the card
  • Earn five times the TD Points on all purchased for the first three months (up to a maximum of 20,000 TD Points per month)

Regular features and benefits of this card include:

  • Annual fee: $120
  • Earn three TD Points per dollar on everyday purchases
  • Earn nine TD Points when you book your travel through Expedia for TD

Cardholders can redeem their points for travel, travel-related purchases, merchandise, and gift cards. Points can also be applied as a cash credit to your account. Enjoy no travel blackouts, no seat restrictions, an extensive suite of travel insurance, and your TD points never expire as long as you are the cardholder.

Sign-Up Bonus Expiry Date: March 2, 2020


Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

Sign up for the Tangerine Money-Back Credit Card and earn 4% Money-Back rewards in up to three categories for three months. Start with two Money-Back categories and earn a third when you choose to deposit your rewards into a Tangerine Savings Account.

This no fee card also offers a low promotional interest rate of 1.95% on balance transfers for the first six months of card membership. However, a 3% balance transfer fee will apply to the amount transferred.

Plus, if you apply for a Tangerine Money-Back Credit Card by January 31, 2020, you’ll receive a $75 e-Gift Card from RateSupermarket.ca upon approval.

Regular features and benefits of this card include:

  • Annual fee: $0
  • 2% Money-Back rewards in two categories of your choice (after the 4% welcome rate expires)
  • Earn a third category at 2% when you deposit your rewards into a Tangerine Savings Account
  • 50% back on everything else you buy

There are no limits to the Money-Back Rewards you can earn, and you can switch up your Money-Back categories as your spending habits evolve. Rewards are added to your credit statement or deposited into your Tangerine Savings Account monthly.

Sign-Up Bonus Expiry Date: 

  • Tangerine welcome offer applies to applications made by January 31, 2020
  • RateSupermarket.ca offer expires January 31, 2020 

True Line® Mastercard® credit card

MBNA True Line Mastercard

Apply for the MBNA True Line® Mastercard® credit card and access a 0% promotional interest rate for 12 months on balance transfers completed within 90 days of opening the account. A 3% fee (minimum of $7.50) applies to amounts transferred.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Standard interest rate of 12.99%

With this card, you can access around the clock customer service, international cash advances, and discounts on select rental car companies. The MBNA True Line® Mastercard® also features Mastercard® Zero Liability for protection against unauthorized purchases.

Sign-Up Bonus Expiry Date: February 29, 2020

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