Canadian Mastercard Welcome Offers
Here you will find all the latest and best Mastercards in Canada that offer travel, cash back and other rewards
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BMO AIR MILES®† World Elite®* MasterCard®*Welcome Offer: Get 2,000 AIR MILES Bonus Miles! That’s enough for $210 towards your purchases with AIR MILES Cash! Plus, get the $120 annual fee waived for the first year Annual Fee: $120 | Primary Card $50 Additional Card | Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information |
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BMO AscendTM World Elite®* Mastercard®*Welcome offer: Get up to 90,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.* Annual Fee: $150 Primary Card (Waived in first year) | $50 Secondary Card | Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information |
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MBNA Rewards World Elite® Mastercard®Earn up to 30,000 MBNA Rewards Points† $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
††, ‡, ✪, ***, ††††, Terms and Conditions apply. |
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National Bank of Canada World Elite® Mastercard®No welcome bonus offer at this time. Annual Fee: $150 Primary Card (Waived in first year) | $50 Secondary Card | Interest Rate: Purchases 20.99% Cash Advances 22.49% | $80,000 personal or $150,000 household annual income
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Earn up to 5 points per dollar in eligible grocery and restaurant purchases* •
Up to $150 each year in refund for travel expenses on airport parking, seat selection, check-in fees, airline ticket upgrades and access to airport lounges worldwide
Credit terms Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly. Example of credit charges over a 30-day period
Details of eligible rewards points Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®. To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points. To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site. For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases. National Bank Lounge conditions Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $37 for adults and $26 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator. Travel and health insurance conditions Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150. Eligible expenses include:
The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free). This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card. Mobile devices protection: Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card. |
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National Bank of Canada World MastercardNo welcome bonus at this time. Annual Fee $115 | Additional Cards: $35 | Annual interest rate 20.99% on purchases and 22.49% on funds advances | $60,000 personal or $100,000 household annual income
Credit terms Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly
*Variable interest rate in effect on September 1, 2021 Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250. Details of eligible rewards points Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. Travel and health insurance conditions This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card
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National Bank of Canada Platinum MastercardNo welcome bonus at this time. Annual Fee $89 | Additional Cards: $35 | Annual interest rate 20.99% on purchases and 22.49% on funds advances | No minimum annual income requirement
Credit terms Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly. Example of credit charges over a 30-day period
*Variable interest rate in effect on September 1, 2021 Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250. Details of eligible rewards points Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or speciality food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®. . To earn 1.5 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank Platinum Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points. To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site. For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 1,350 points, as follows: 800 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $1,000), 300 points for gas purchases, 150 points for recurring bill payments and 100 points for other purchases. Travel and health insurance conditions This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card. Mobile device protection: The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card. |
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National Bank of Canada ECHO Cashback MastercardNo welcome bonus at this time. Annual Fee $30 | Additional Cards: $0 | Annual interest rate 20.99% on purchases and 22.49% on funds advances
Credit terms Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly. Example of credit charges over a 30-day period
Cashback Details All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the cashback accumulation table [PDF] and the applicable rules [PDF]. Purchase protection and Extended warranty This coverage applies to purchases charged to the National Bank ECHO cashback card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.. |
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BMO AIR MILES®† MasterCard®*Limited time offer: Get 1,500 AIR MILES Bonus Miles!* That’s enough for $150 towards purchases with AIR MILES Cash* Annual Fee: $0 | Additional Card Fee: $0 | Interest Rate: Purchases: 20.99% Cash Advances 22.99% (21.99% for Quebec residents)
*Terms and conditions apply BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information |
BMO eclipse rise Visa* CardWelcome offer: Get up to 25,000 bonus points in your first year!* Annual Fee: $0 Primary Card | $0 Additional Card | Interest Rate: Purchases 20.99% Cash Advances 23.99% | Minimum income: N/A
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information |
 MBNA Rewards Platinum Plus® Mastercard®Earn up to 10,000 MBNA Rewards Points† $0 annual fee | $0 Additional Card
‡, ††, ✪, ***, Terms and Conditions apply. |
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 Air France KLM World Elite MasterCard® powered by Brim Financial60XP welcome bonus for new cardholder + First Year Free + 30XP on your card anniversary renewal Annual Fee: $132 | Additional Card Fee: $50 | Annual interest rate: 19.99% to 24.99%
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WestJet RBC® World Elite MastercardǂWelcome bonus offer: Earn up to 450 WestJet dollars Annual Fee $119 | Additional Cards: $59 | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $80,000 personal or $150,000 household annual income
Refer to RBC page for up to date offer terms and conditions |
WestJet RBC MastercardEarn up to 100 welcome WestJet dollars (50 after first purchase, 50 after minimum of $1k spend within first 3 months). Annual Fee $39 | Additional Cards: $19 | Annual interest rate 20.99% on purchases and 22.99% on funds advances
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 Amazon.ca Rewards MastercardSpecial Welcome Offer: get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for the first 6 months! (Valid on first $3,000 in eligible purchases††.) Annual Fee: $0 | Additional Card Fee: $50
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BMO CashBack® World Elite®* MasterCard®*Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first anniversary* Annual Fee: $120 | Primary Card $50 Additional Card | Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents) Earn more cash back on the categories that mean the most:
*Terms and conditions apply |
BMO CashBack® MasterCard®*Welcome offer: Get 5% cash back in your first 3 months* Annual Fee: $0 | Interest Rate: Purchases 20.99% Cash Advances 22.99% (21.99% for Quebec residents)
*Terms and conditions apply |
Brim World Elite MastercardUp to $500+ in first time bonuses from Brim merchant partners + no annual fee in the first year Annual fee: $199 | Additional Cards: $50
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Brim MasterCardUp to $200+ in first time bonuses from Brim merchant partners Monthly fee $0 | Additional Cards: $0
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Desjardins Cash Back World Elite®Mastercard®No welcome bonus at this time Annual Fee $100 | Additional Cards: $0 for members ($30 for non-members) | Annual interest rate 19.9% on purchases and cash advances | $80,000 personal or $150,000 household annual income
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EQ Bank CardFree withdrawals from any ATM in Canada and Cash back on every purchase Prepaid Credit Card | Annual fee: $0
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 MBNA Smart Cash® World Mastercard®Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500) $39 annual fee | $0 Additional Card | Interest rates: 19.99% purchases 24.99 cash advance | $60,000 personal or $100,000 household income
‡, ††, ††††, ✪, Terms and Conditions apply. |
 MBNA Smart Cash Platinum Plus® Mastercard®Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500) $0 annual fee | $0 Additional Card
‡, ††, ✪, Terms and Conditions apply. |
Neo CreditLimited time offer: $25 welcome bonus2 when you apply and are approved for a Neo Credit card Annual Fee $0
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Neo Secured CreditLimited time offer: $25 welcome bonus2 when you apply and are approved for a Neo Secured Credit card $5 monthly fee
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 PC Financial World Elite MastercardEarn up to 100,000 bonus PC Optimum points. Apply by July 5, 2023
Annual Fee: $0 Primary Card | $0 Additional Card | Interest Rate: Purchases 20.97% Cash Advances 22.97%
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RBC Cash Back Preferred World Elite MasterCardEarn up to 1.5% cash back on your spending Annual fee $99 | Additional Cards: $0 | Annual interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process. This post contains affiliate links. Please read our disclaimer for more info. |
RBC Cash Back MasterCard2% cash back on groceries Annual fee $0 | Additional Cards: $0 | Annual interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process. This post contains affiliate links. Please read our disclaimer for more info. |
Rogers Red Mastercard®$60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service4 Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 20.99% on purchases and 22.99% on funds advances |
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Rogers Red World Elite MastercardEnjoy 3% cash back value when you redeem with Rogers plus insurance benefits Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $80,000 personal or $150,000 annual household income
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Scotia Momentum® Mastercard7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0).1 Annual Fee: $0 | Additional Cards: $0
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Tangerine World Mastercard®Apply for a Tangerine World Mastercard® by October 31, 2024. If you’re approved, you’ll earn an extra 10% back on up to $1,000 in everyday purchases made within your first 2 months.. Annual Fee: $0 | Additional Cards: $0 | Minimum Income: $60,000 personal or $100,000 household
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Tangerine Money-Back Credit CardApply for the Tangerine Money-Back Credit Card by October 31, 2024. If you’re approved, you’ll earn an extra 10% back on up to $1,000 in everyday purchases made within your first 2 months*. Annual Fee: $0 | Additional Cards: $0 |
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Walmart Rewards MasterCardUp to $45 bonus Walmart Rewards Dollars when you are approved for the card Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 19.98% on purchases and 22.97% on funds advances |
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Walmart Rewards World MasterCardUp to $45 bonus Walmart Rewards Dollars when you are approved for the card Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 19.98% on purchases and 22.97% on funds advances | $100,000 annual household income
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BMO AIR MILES®† Mastercard®* (Student)Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.* Annual Fee: $0 | Additional Card Fee: $0 | Interest Rate: Purchases: 20.99% Cash Advances 22.99% (21.99% for Quebec residents)
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BMO CashBack® MasterCard®*(Student)Welcome offer: Get 5% cash back in your first 3 months (up to $125 cash back) * Annual Fee: $0 | Primary Card $0 Additional Card | Interest Rate: Purchases 20.99% Cash Advances 22.99% (21.99% for Quebec residents)
*Terms and conditions apply |