Canada Referral Codes

Best Credit Card Offers in Canada

Compare 10 Canadian credit card welcome offers by bonus, fee, and qualifying spend, with the portal rebate for each card.

By CRC Research Team10 Curated OffersReviewed

New to FinlyWealth or Great Canadian Rebates?

Join the portal through CRC before opening a card offer below. The portal pays your card rebate after an eligible approved application; CRC may earn a separate share of eligible rebates for two years. Existing portal members can skip this step.

FinlyWealth

New members keep the full card rebate. CRC may receive 25% of eligible base rebates for your first two years.

Join Finly

Great Canadian Rebates

Opt into the newsletter for its separate $3 signup bonus. CRC may receive 25% of eligible cashback for two years.

Join GCR

Already a member? Use the card-specific portal offer below. CRC does not receive a new-member referral share for an account that was registered outside our tracked link. Full portal terms: FinlyWealth deal page · Great Canadian Rebates deal page.

10 Credit Card Offers

Order reflects offer usability, rebate certainty, card fit and important restrictions, not the size of any referral payment to CRC. The best choice depends on your spending and how you redeem rewards.

New to a portal? Join through CRC first, then return to the offer below. Existing portal members can use the card link directly. Full table on desktop; detail cards below on mobile.

At a Glance

Rebate, fee, and key catch for each offer

CardRebateFeeKey Catch
Neo World Elite Mastercard - Gas & GroceryNeo Financial $100 Finly Rebate $149/yr, $49 additional
  • Stacks With $100 Issuer Offer
  • GCR $125, Do Not Stack
  • Monthly Caps Apply
  • First-Year Fee Waived
National Bank World Elite MastercardNational Bank $100 Finly Rebate $150/yr, $50 additional
  • One Rebate per Client
  • 30-90 Day Processing
  • No Issuer Promo Now
  • $150 Travel Credit Yearly
BMO Blue Rewards World Elite MastercardBMO $120 Finly Rebate $150/yr 2+, $50 additional
  • Up to 100,000 Points
  • $20,000 Spend in 12 Months
  • Points Are Not Cash
  • First-Year Fee Waived
BMO Ascend World Elite MastercardBMO $120 Finly Rebate $150/yr, $50 additional
  • Up to $1,900 Is Not Cash
  • Points + Benefits
  • First-Year $150 Fee Rebated
  • Apply by December 7, 2026
American Express Cobalt CardAmerican Express $75 Finly Rebate $15.99/mo, additional $0
  • $750 Monthly, Recurring
  • Stacks With Issuer Offer
  • Expires December 30, 2026
TD First Class Travel Visa Infinite CardTD $25 GCR Cashback $139/yr, $50 first additional
  • 160,000 Points
  • $7,500 in 180 Days
  • Activate + Buy in 3 Months
  • First-Year Fee Rebate
Tangerine Rewards World Elite MastercardTangerine $125 GCR Cashback $120/yr, $30 authorized user
  • 50,000 Points
  • $5,000 Spend
  • Annual Credit, Not Welcome Bonus
  • $30,000 Annual Spend
American Express Aeroplan Reserve CardAmerican Express $150 Finly Rebate $599/yr now, $799 from Jan 12, 2027, supplementary $199 now, $249 from Jan 12, 2027
  • Final 25,000 Points
  • $2,500 in Month 13
  • Fee Increase January 12, 2027
  • Expires December 30, 2026
TD Cash Back Visa Infinite CardTD $100 GCR Cashback $139/yr, $50 first additional
  • 10% Replaces Normal Rate
  • $3,500 Cap Is Collective
  • Activate + Buy in 3 Months
  • First-Year Fee Rebate
The Platinum CardAmerican Express $150 Finly Rebate $799/yr, $250 additional Plat
  • $10,000 in 3 Months
  • 30,000 Points, Months 15-17
  • Expires December 30, 2026
1
Grocery and Recurring Cashback First-Year Fee Waived

Neo World Elite Mastercard - Gas & Grocery

Cashback to Applicants $100 Finly Rebate
Issuer Welcome Offer
  • $100 welcome bonus after $1,500 in eligible purchases in the first 3 months.
  • Plus a first-year annual-fee waiver.
Ongoing Rewards
  • 5% groceries, 4% recurring payments, 3% gas and EV charging, and 1% on other purchases.
  • Monthly caps: $1,000 groceries, $1,000 gas, $500 recurring, $4,000 total, then 1%.
Annual Fee
  • $149 after the first year
  • $49 for an additional card
Who Can Qualify
  • $80,000 personal income or $150,000 household income.
Before You Apply
  • Finly says its $100 rebate stacks with Neo's $100 issuer welcome offer.
  • GCR lists a separate $125 rebate but its terms restrict combining it with another Neo bonus or promo code; its page now shows a first-year fee waiver, with no offer end date shown.
  • Treat GCR as an alternative rebate route and verify the current issuer offer before applying.
  • Contact GCR within 4 months of application date to report a missing rebate, otherwise the rebate is void.
View Finly Rebate Alternative GCR Route · $125 Cashback

Portal rebate shown above · Issuer Terms in Sources Checked

Alternative direct referral route: CRC's Neo referral offer (up to $35). The card-approval component is $25; a separate $10 requires a $50+ eligible Neo Savings or Chequing deposit. Do not assume this stacks with the Finly rebate or issuer welcome offer.

2
Groceries, Dining, and Travel

National Bank World Elite Mastercard

Cashback to Applicants $100 Finly Rebate
Issuer Welcome Offer
  • No current issuer welcome-points promotion confirmed.
  • The $100 Finly rebate is a separate partner cashback payment after eligible approval.
Ongoing Rewards
  • 5 points per $1 on eligible groceries and restaurants up to $2,500 in total monthly card purchases
  • 2 points on eligible gas/EV charging, recurring bills and À la carte Travel
  • 1 point elsewhere.
Annual Fee
  • $150 annually
  • $50 for a second card
Who Can Qualify
  • $80,000 personal income, $150,000 household income, $25,000 annual card spend for existing clients only, or $400,000 investable assets.
  • New cardholders only.
  • National Bank excludes anyone who held a personal National Bank Mastercard in the past 24 months.
Before You Apply
  • Finly pays $100 on approval to eligible new National Bank World Elite cardholders, limited to one rebate per client.
  • Processing can take 30–90 days, and Finly requires your National Bank email for verification.
  • National Bank's last published welcome-points promotion ended June 29, 2026.
  • National Bank also refunds up to $150 per calendar year in travel expenses, claimed within 60 days, with no carryover to the next year.
View Finly Rebate

Portal rebate shown above · Issuer Terms in Sources Checked

3
Blue Rewards and Fee Savings First-Year Fee Waived

BMO Blue Rewards World Elite Mastercard

Cashback to Applicants $120 Finly Rebate
Issuer Welcome Offer
  • Up to 100,000 Blue Rewards points.
  • 45,000 after $5,000 in net purchases within 110 days.
  • Another 20,000 after $10,000 within 180 days.
  • And 35,000 after $20,000 within 365 days.
  • The first-year $150 annual fee is waived.
Ongoing Rewards
  • 2 points per $1 on eligible grocery, gas, EV charging, wholesale-club and alcohol purchases.
  • Plus 10 points per $1 at participating Blue Rewards partners.
  • Caps: 2x to $500 per category per statement cycle, 10x to $25,000 per calendar year.
Annual Fee
  • $150 from year two
  • $50 for an additional card
Who Can Qualify
  • $80,000 personal income or $150,000 household income.
  • Finly also lists a 680+ Equifax score as its preferred threshold.
  • Offer period June 2, 2026 to October 31, 2027.
  • Current or former BMO Blue Rewards cardholders and transfers into this product are not eligible for this offer.
Before You Apply
  • BMO's current offer terms show up to 100,000 points and require up to $20,000 in net purchases over 12 months.
  • Finly's card page also displays 100,000 points, matching BMO's terms.
  • Points are not cash; their advertised value depends on eligible redemption.
View Finly Rebate

Portal rebate shown above · Issuer Terms in Sources Checked

4
Travel and Large Welcome Offer First-Year Fee Rebate

BMO Ascend World Elite Mastercard

Cashback to Applicants $120 Finly Rebate
Issuer Welcome Offer
  • Up to 115,000 BMO Rewards points.
  • The first 60,000 points require $5,000 in net purchases within 110 days.
  • Another 20,000 after $10,000 within 180 days.
  • And 35,000 after $20,000 within 365 days.
Ongoing Rewards
  • 5x travel, 3x entertainment, 3x dining, 3x recurring bills, 1x elsewhere.
  • Caps: travel $15,000 per year, dining, entertainment, and recurring $10,000 each per year, then 1x.
Annual Fee
  • $150 annually
  • $50 for an additional card
Who Can Qualify
  • $80,000 personal income or $150,000 household income.
  • Apply by December 7, 2026 for the current welcome offer.
  • Current or former BMO Ascend cardholders and transfers into this product are not eligible for this offer.
Before You Apply
  • The headline value of up to $1,900 is not a cash bonus.
  • It includes point redemptions and other benefits; compare the rewards you will actually use and budget for the annual fee after the first year.
  • The $150 primary fee is rebated in the first year.
View Finly Rebate

Portal rebate shown above · Issuer Terms in Sources Checked

5
Everyday Membership Rewards

American Express Cobalt Card

Cashback to Applicants $75 Finly Rebate
Issuer Welcome Offer
  • Up to 15,000 Membership Rewards points when you spend at least $750 in eligible purchases in each monthly billing period for the first 12 months.
Ongoing Rewards
  • 5 points per $1 on eligible eats and drinks in Canada.
  • 3 points on eligible Canadian streaming.
  • 2 on eligible gas, transit and rideshare.
  • 1 elsewhere.
  • Plus 1 additional point on Amex Travel Online hotel or car rental bookings.
  • 5x cap: $2,500 monthly, then 1x, resets monthly.
Annual Fee
  • $15.99 per month ($191.88 per year)
  • Additional cards no annual fee
Who Can Qualify
  • New American Express Cobalt cardholders only.
  • Subject to issuer approval.
  • Current or former Cobalt Cardmembers may be approved but will not get points offers in the first 12 months.
Before You Apply
  • Finly's $75 promotional rebate is for eligible new Cobalt cardholders and expires December 30, 2026.
  • Finly says it stacks with the issuer welcome offer.
  • GCR's separate $40 rebate is an alternative route; GCR says any promo code voids its $40 rebate.
  • Start from GCR, do not enter a promo code, and complete the application in the same tracked session.
  • Contact GCR within 3 months of application date to report a missing rebate, otherwise the rebate is void.
  • The $750 monthly requirement is recurring, not a one-time spend target.
View Finly Rebate Alternative GCR Route · $40 Cashback

Portal rebate shown above · Issuer Terms in Sources Checked

6
TD Rewards Travel Redemptions First-Year Fee Rebate

TD First Class Travel Visa Infinite Card

Cashback to Applicants $25 GCR Cashback
Issuer Welcome Offer
  • Up to 160,000 TD Rewards points.
  • 20,000 after your first purchase.
  • Another 140,000 after $7,500 in eligible purchases within 180 days.
  • Plus a first-year annual-fee rebate.
Ongoing Rewards
  • 8x Expedia For TD travel.
  • 6x groceries, dining, and transit.
  • 4x recurring bills, streaming, digital gaming, and media.
  • 2x elsewhere.
  • Plus up to 10,000 birthday bonus points per year.
  • Caps: $25,000 per year each for 6x and 4x categories, then base rate.
Annual Fee
  • $139 annually
  • First-year fee rebate under the current offer
  • $50 for the first additional card, $0 for subsequent additional cards
Who Can Qualify
  • $60,000 personal income or $100,000 household income.
  • New eligible cardholders only.
  • Not available to customers who activated and/or closed a TD First Class account in the last 12 months.
  • Not available in Quebec.
  • Check the issuer's terms and the GCR rebate conditions before applying.
Before You Apply
  • The 160,000-point headline requires $7,500 in purchases within 180 days; the first-year fee rebate is temporary.
  • The first-year fee rebate requires activation and a first purchase within 3 months after account opening.
  • GCR pays its $25 rebate after approval, subject to its new-cardholder and online-application rules.
View GCR Rebate

Portal rebate shown above · Issuer Terms in Sources Checked

7
Flexible Scene+ Categories

Tangerine Rewards World Elite Mastercard

Cashback to Applicants $125 GCR Cashback
Issuer Welcome Offer
  • 50,000 Scene+ points (advertised as $500) after $5,000 in net purchases within the first 3 months.
  • Apply by January 31, 2027.
Ongoing Rewards
  • 1.5 Scene+ points per $1 in three chosen accelerator categories, refreshed every 90 days
  • 1 point per $1 elsewhere.
Annual Fee
  • $120 annually
  • $30 per authorized user, up to 5 authorized users
Who Can Qualify
  • $80,000 personal income, $150,000 household income or $400,000 in assets under management.
  • Issuer welcome offer only for new account holders who have not been Primary Cardholders of this card previously.
Before You Apply
  • The $125 GCR rebate is for a new Tangerine credit-card account and is paid after approval.
  • The 50,000-point welcome offer requires $5,000 in eligible net purchases; the separate 10,000-point annual credit requires $30,000 annual spend and is not part of the welcome bonus.
  • Issuer offer limit of one per eligible client, may not be combined with any other credit card offers.
View GCR Rebate

Portal rebate shown above · Issuer Terms in Sources Checked

8
Frequent Air Canada Travellers

American Express Aeroplan Reserve Card

Cashback to Applicants $150 Finly Rebate
Issuer Welcome Offer
  • Up to 85,000 Aeroplan points.
  • 60,000 after $7,500 in purchases in the first 3 months.
  • Plus 25,000 after $2,500 in month 13.
Ongoing Rewards
  • 3x Air Canada, 2x dining and food delivery in Canada, 2x Hyatt, 1.25x elsewhere.
  • No spend cap for these rates.
Annual Fee
  • $599 currently
  • Increases to $799 for annual fees charged on or after January 12, 2027
  • Supplementary $199, $249 from January 12, 2027, no-fee card becomes Companion Card at $25 from January 12, 2027
Who Can Qualify
  • New cardholders only for the welcome bonus.
  • Current or former cardholders may be approved but will not be eligible for these offers.
  • Previous welcome bonus points on a same category Aeroplan card from another issuer may also disqualify.
  • Assess the premium fee against travel frequency and benefits you will use.
Before You Apply
  • The final 25,000 points require a separate $2,500 spend in month 13.
  • The annual fee increase is scheduled for January 12, 2027; use the fee that will apply when the issuer bills you.
  • The supplementary card fee increases from $199 to $249 on the same date.
  • Finly's $150 promotional rebate expires December 30, 2026.
View Finly Rebate

Portal rebate shown above · Issuer Terms in Sources Checked

9
Recurring and Everyday Cashback First-Year Fee Rebate

TD Cash Back Visa Infinite Card

Cashback to Applicants $100 GCR Cashback
Issuer Welcome Offer
  • 10% cashback on up to $3,500 of eligible grocery, gas/EV, transit, recurring-bill and streaming/digital purchases in the first 3 months.
  • Plus a first-year annual-fee rebate.
Ongoing Rewards
  • 3% on eligible groceries, gas/EV charging, transit, recurring bills and streaming/digital media
  • 1% on other purchases.
  • Caps: 3% to $15,000 per year in each category, then base rate
  • First year cap reduced by first 3 months purchases in that category.
Annual Fee
  • $139 annually
  • First-year fee rebate under the current offer
  • $50 for the first additional card, $0 for subsequent additional cards, maximum 3 additional cards
Who Can Qualify
  • $60,000 personal income or $100,000 household income.
  • Not available to customers who activated and/or closed a TD Cash Back Visa Infinite account in the last 12 months.
  • Not available to Quebec residents.
Before You Apply
  • The 10% introductory cashback replaces, not adds to, the normal earn rate on qualifying categories.
  • The $3,500 cap is collective across the eligible categories.
  • The first-year fee rebate is temporary and requires activation and a first purchase within 3 months after account opening.
  • Contact GCR within 4 months of application date to report a missing rebate, otherwise the rebate is void.
View GCR Rebate

Portal rebate shown above · Issuer Terms in Sources Checked

10
Premium Travel and Points

The Platinum Card

Cashback to Applicants $150 Finly Rebate
Issuer Welcome Offer
  • Up to 100,000 Membership Rewards points.
  • 70,000 after $10,000 in purchases in the first 3 months.
  • Plus 30,000 after a purchase between months 15 and 17.
Ongoing Rewards
  • 2x dining and food delivery in Canada.
  • 2x travel.
  • 1x elsewhere.
  • Plus 1 additional point on Amex Travel Online hotel or car rental bookings.
  • No earn cap.
Annual Fee
  • $799 annually
  • $250 per additional Platinum card
  • $0 for first two additional Gold cards
  • $50 for additional Gold cards beyond that
  • Maximum 9 supplementary cards
Who Can Qualify
  • New Platinum Cardmembers for the published welcome offer.
  • Current or former Platinum Cardmembers may be approved but will not be eligible for these offers.
  • This is a charge card.
  • Approval and spending power are determined by American Express.
Before You Apply
  • The 30,000-point second tranche is delayed until months 15–17.
  • The $799 annual fee is material; do not apply based on the welcome-points headline alone.
  • Finly's $150 promotional rebate expires December 30, 2026.
View Finly Rebate

Portal rebate shown above · Issuer Terms in Sources Checked

Choose the Right Application Route

Portal rebates and issuer welcome offers are separate. A tracked portal application may qualify for both when the portal and issuer terms allow it. Never assume two different portal rewards can be combined.

RouteWho PaysWhenWhat Breaks It
FinlyWealthFinly pays the applicant rebateMost approvals in 3 to 7 days; payment typically within 10 days after confirmationPrivate browsing, VPNs, ad blockers, or a split session
Great Canadian RebatesGCR pays the applicant cashbackAfter approval and conditions are metLeaving the application partway, or using a card selector tool
RatehubUp to $50 to each eligible party, only with the live badgeOn an eligible approved cardStacking it with another portal reward

FinlyWealth

Payout Timing

Most approvals are reported within 3 to 7 days, some take a few weeks. Payment is typically sent within 10 days after confirmation.

Stacking

Finly says its rebate is separate from the issuer welcome offer and can stack with it.

Tracking Rule

Accept cookies and finish on one device in one browser session. Private browsing, VPNs and ad blockers can break tracking.

Join First

New to Finly? Use the tracked join link in the portal section above before opening a card offer. Existing members can use the card link above.

CRC may separately receive 25% of eligible base rebates for two years, excluding boosts and top-ups. This does not reduce your rebate.

Join Finly

Great Canadian Rebates

Payout Timing

GCR pays the applicant the listed cashback after the card is approved and its conditions are met.

Session Rule

Start from the GCR card detail page and finish immediately in the same session. Do not leave partway or use a card-selector tool.

Exclusions

Rebate exclusions and missing-rebate deadlines vary by card.

Join First

New to GCR? Use the tracked join link in the portal section above before opening a card listing. Opt into the newsletter for the separate $3 signup bonus. A referral cannot be added after registration.

CRC may separately receive 25% of eligible cashback for two years, excluding travel and other bonuses. Whether fixed card rebates count is not explicitly confirmed, so CRC does not count them as guaranteed. Your rebate is paid in full by GCR.

Join GCR

Full portal terms: FinlyWealth deal page · Great Canadian Rebates deal page.

Compare alternatives, but do not stack competing portal rewards.
Ratehub can pay up to $50 to each eligible party, but only for cards showing its Eligible for Referral Bonus badge.
Its terms do not list eligible cards, so we only add a Ratehub route when that badge is verified live.
Choose one portal route for each card application. Do not add together Finly, GCR or Ratehub rewards.
Open CRC's Ratehub referral link

The issuer welcome offer may be separate, but confirm the exact portal and issuer terms before assuming they stack.

What About the Wealthsimple Credit Card?

Worth watching, but not in the public list yet.

1% Visa Infinite Beta

Phased beta for selected clients.

2% Visa Infinite+ and Privilege Chequing Required

Depends on Wealthsimple's eligibility assessment and an active Wealthsimple Chequing account.

5% Welcome Boost Invitation Only

5% total for 35 days on up to $10,000 in net purchases, invited new clients only.

Why It Is Not Ranked

There is no universally available public application route or standard card-specific referral offer to compare with the portal rebates above. Check the current card eligibility and invitation terms in the Wealthsimple app before treating the offer as available to you.

Wealthsimple card eligibility · 5% invitation-only welcome offer
Separate Wealthsimple Account Referral $25

This is a platform referral bonus, not a credit-card welcome offer. The current account referral requires qualifying external funding and has its own holding rules.

View Wealthsimple Referral

Before You Apply

A high welcome offer does not make a card worthwhile on its own. Use this short checklist before starting an application.

Can you meet the spend naturally?

Do not manufacture purchases or carry a balance to earn points.

What is the annual fee after year one?

A first-year waiver is temporary; compare the renewal cost with benefits you will actually use.

Are you a genuinely eligible new cardholder?

Issuers can exclude current, former or recently closed cardholders.

What is the real value of the points?

Redemption value depends on the programme, booking availability and how you use the rewards.

Will the portal track?

Use the exact card-specific route, keep cookies enabled and finish in the same browser session.

Could a promo code invalidate cashback?

Some portals explicitly exclude applications where another promo code or bonus is used.

Do the rewards stack?

Add a portal rebate to the issuer welcome offer only when the terms explicitly allow it. Treat competing portal offers as alternatives.

Pay your statement balance in full. Credit-card interest can exceed the value of points, cashback and welcome bonuses.

Methodology

This is a curated shortlist, not a full card catalogue or a universal recommendation. Offers are selected for Canadian availability, a current issuer welcome offer or ongoing benefit, and a distinct cashback/referral route worth checking.

10 Offers ReviewedCurated shortlist, not a full catalogueFirst-Party TermsIssuer and portal terms controlReview Date

Order

Card order reflects practical usefulness, welcome-offer mechanics, rebate certainty, ongoing rewards, fees and important restrictions. Compensation does not determine inclusion or ranking. We do not convert reward points into a single dollar total because redemption value differs by programme and customer.

Terms Control

Issuer terms control eligibility, approval, fees, deadlines and bonus fulfilment. Finly and GCR control portal tracking and rebate terms. Their listed rebates can change without notice; confirm the live amount and application route immediately before applying.

Review

Review Date: . This page needs a manual re-check when a provider changes a welcome offer, rebate, fee, eligibility rule or portal restriction.

Credit Card Offer FAQ

Can I get a portal cashback rebate and the issuer welcome bonus?

Sometimes. Finly explicitly says its rebate can stack with an issuer welcome bonus. GCR terms vary by card. Check the exact portal card listing and issuer terms before starting the application; a promo code can make some portal rebates ineligible.

Can I use Finly and Great Canadian Rebates for the same card?

Do not assume so. Each portal needs to track its own application route, and offers can be mutually exclusive. Choose one portal route for each application.

Does CRC receive a referral bonus when I use Finly or GCR?

CRC may receive a referral benefit if you first join through the applicable tracked CRC referral link and later earn eligible cashback. The published programme rates are paid by the portal from its own programme; they do not reduce your card rebate. The card order does not depend on this compensation.

Why is the Wealthsimple card not ranked?

Wealthsimple is still controlling access to its credit cards based on beta invitations and account eligibility. Its 5% welcome boost is invitation-only. CRC's Wealthsimple referral link is for the separate platform account bonus, not the credit card.

Should I choose the card with the largest point bonus?

Not automatically. Consider your likely redemption, required spend, annual fee, acceptance, card benefits and whether you will keep the card after the first year. A smaller cash rebate may be more valuable than a large points headline you cannot use well.

Sources & Verification 10 First-Party Sources Checked