Before It’s Too Late! Best Credit Card Welcome Offers of November 2019

Man and woman dressed for cold weather holding shopping bags

Rewards credit cards have many perks and benefits from cash back to VIP access, and a whole lot more. Choosing a card can be difficult with endless options available.  

Do you pick a card with an annual fee? Low balance transfer? Travel rewards? No foreign transaction fees? Deciding which card works best for your lifestyle is up to you. However, there are many cards that will fit your general criteria. Comparing credit cards and keeping your eye out for welcome offers can give you the best deal as a new cardmember.  

These offers can be tricky to navigate. Some companies require minimum spends or for a customer to fulfill specific requirements (add recurring bill payments or a secondary cardholder) before cashing in on the rewards. We’ve broken down the welcome offers and selected the top six cards for the month of November.  

If you find a deal you like, don’t wait too long. Welcome offers and bonus rewards generally run for a limited time.  


TD Cash Back Visa Infinite* Card

Sign up for the TD Cash Back Visa Infinite* Card and earn 10 percent 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. However, this offer is not available for residents of Quebec.  

Regular features and benefits of this card include: 

  • Three percent cash back on eligible grocery and gas purchases, as well as recurring bill payments set up on your account 
  • One percent cash back on all other purchases made with your card  
  • Cash Back Dollars can be used to pay down your Account balance 

You can also take advantage of the complimentary Visa Infinite Concierge service available to cardholders around the clock, the emergency road services provided by the Deluxe TD Auto Club Membership, and the Travel Medical Insurance associated with the card.  

Sign-Up Bonus Expiry Date: December 1, 2019 


SimplyCash™ Preferred Card from American Express

Apply for the SimplyCash™ Preferred Card from American Express and earn five percent cash back on all eligible purchases up to a maximum spend of $6,000 ($300 cash back) within your first six months of cardmembership. After the welcome offer ends, this card has an earn rate of two percent cash back on everything you buy.  

Applicants who are interested in transferring their balance can benefit from a promotional rate of 1.99 percent for the first six months. However, this option is only available at the time of online application.  

Regular features and benefits of this card include: 

  • Earn two percent cash back on all credit card purchases  

With this card you can access American Express Invites, with Front Of The Line® Advance Access, Front Of The Line® Reserved Tickets, special access for all cardmembers, special offers and experiences, as well as a wide range of travel insurance and shopping coverage.  

This card has a $99 annual fee. 

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


BMO®CashBack® World Elite®* Mastercard®*

The BMO® CashBack® World Elite®* Mastercard®* offers five percent cash back on eligible purchased made within your first three months up to a maximum spend of $4,000 ($200 cash back)Plus, the $120 annual fee is waived for the first year.  

Regular features and benefits of this card include: 

  • Regular earn rate of 1.5 percent cash back on all card purchases. 

This card also offers: purchase protection and extended warranty, travel medical insurance, trip interruption or cancellation insurance, complimentary Mastercard Airport Experiences membership provided by LoungeKey, and complimentary roadside assistance. 

Sign-Up Bonus Expiry Date: Offer applies to new applications received between May 17, 2019 and March 31, 2020 (subject to change without notice) 


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

The BMO® AIR MILES®† World Elite®* Mastercard®* welcome offer has an earn potential of 3,000 bonus AIR MILES. Receive 1,000 AIR MILES after your first purchase using the card. Earn an additional 2,000 AIR MILES when you spend a minimum of $3,000 on eligible purchases within the first three months. Plus, the $120 annual fee will be waived for the first year.  

Regular features and benefits of this card include: 

  • One reward mile for every $10 in credit card purchases 
  • Earn double the reward miles at National Car Rental and Alamo Rent A Car locations 

Travellers can benefit from the complimentary membership to Mastercard Airport Experiences provided by LoungeKey, and an exclusive 15 percent Flight Discount on all AIR MILES flights in North America, with no blackout periods (terms and conditions apply).  

Sign-Up Bonus Expiry Date: Offer applies to new applications received between November 1, 2018 and January 15, 2020 (subject to change without notice) 


SimplyCash™ Card from American Express

The SimplyCash™ Card from American Express offers the usual premier access to entertainment and events that American Express is known for, with the additional benefit of no annual fee. New cardmembers can earn 2.5 percent cash back on purchases up to a maximum spend of $6,000 ($150 cash back) for the first three months.  

Applicants who are interested in transferring their balance can benefit from a promotional rate of 1.99 percent for the first six months. However, this option is only available at the time of online application.  

Regular features and benefits of this card include: 

  • Earn rate of 1.25 percent cash back on credit card purchases 

Enjoy $100,000 in Travel Accident Insurance, the Buyer’s Assurance® Protection Plan, the Purchase Protection® Plan, Front Of The Line® Advance Access, Front Of The Line® Reserved Tickets, and special offers, experiences, and special access for all cardmembers.  

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


American Express® AeroplanPlus®* Platinum Card

Sign up for the American Express® AeroplanPlus®* Platinum Card and earn 40,000 Bonus Miles after spending $3,000 in the first three months. You can receive an additional $150 Air Canada eGift Card when you spend a total of $6,000 on your card within the first six months.  

Regular features and benefits of this card include: 

  • Earn 1.25 Aeroplan Miles for every dollar up to $25,000  
  • Accelerate your earn rate to 1.5 Aeroplan Miles for every dollar charged to the card over $25,000 annually 

Although this card has a $499 annual fee, travellers can benefit from unlimited access to the Air Canada Leaf Lounge, complimentary access to Priority Pass — one of the world’s largest independent airport lounge programs, Air Canada Priority Check-in, and a number of travel insurance coverages.  

As a charge card, the balance must be paid in full each month or a 30 percent interest rate applies.  

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

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