Best Credit Card Offers, Sign-up Bonuses, And Deals For November 2019

November has arrived, and with it colder temperatures, shorter days, and maybe some snowfall (if you haven’t seen it yet).

The busy holiday season is also around the corner, and maybe you want to get all your holiday shopping done as soon as possible to beat the rush. Or maybe you’ll sit back for a bit, and wait for the holiday deals to come to you.

So with this in mind, why not take a look at your wallet? Make sure you’ve got the right credit card in hand to maximize your spending, and tailor your card to the rewards of your choice. That way, you’ll get the most out of all that holiday spending you’ll have to do soon…

Our list has a mix of cash back, flexible, and travel rewards to choose from, as well as an option for saving on credit card debt. There’s a card here for everyone.

Credit Card Credit Card Offer Annual Fee Income Requirements Apply Now
American Express® AIR MILES®* Platinum Credit Card * Up to 3,500 bonus miles (terms)
* Offer ends January 20, 2020
$120 None Apply Now
TD Cash Back Visa Infinite* * 10% cash back on all purchases in the first 3 months (terms)
* Offer ends December 1, 2019
$120, first year free 60K personal/100K household Apply Now
American Express Cobalt™ * Up to 30,000 welcome bonus points (terms)
* Best credit card in Canada
$120, charged out as $10 per month None Apply Now
MBNA True Line® Mastercard® * 0% interest for 10 months – best balance transfer offer in Canada (terms) $0 None Apply Now
MBNA Rewards World Elite® Mastercard® * 30,000 bonus points (terms) $120 80K personal/150K household Apply Now
Scotiabank SCENE Visa * 2,500 welcome bonus points (terms) $0 None Apply Now
American Express® AeroplanPlus®* Reserve Card * 50,000 bonus miles
* $200 Air Canada eGift card (terms)
$899 None Apply Now
Scotiabank Passport Visa Infinite * 25,000 welcome bonus points (terms)
* No foreign exchange fees
$139 60K personal/100K household Apply Now
Tangerine Money-Back Mastercard * $75 Amazon e-gift card on us when you get approved*
* 4% cash back on your chosen categories (terms)
* Offer ends December 18, 2019
$0 12K personal Apply Now
TD First Class Travel Visa Infinite* * 20,000 bonus points after the first purchase
* 10,000 points after adding an authorized user
* 2x the points in the first 3 months (terms)
* Offer ends December 1, 2019
$120, first year free 60K personal/100K household Apply Now
MBNA Rewards Platinum Plus® Mastercard® * 10,000 welcome bonus points
* 4 points per $1 on gas, groceries and restaurants in the first 3 months (terms)
$0 None Apply Now
National Bank World Elite Mastercard * Welcome bonus of up to $480 cash back (terms)
* Offer ends November 30, 2019
$150 80K personal/150K household Apply Now

Up to 3,500 AIR MILES with a new top AIR MILES card

Is collecting AIR MILES your game? You’ll want to get to know the new and improved .

Why? It has the highest earn rates of any AIR MILES card.

You’ll get:

  • 1 mile per $5 spent on gas, groceries, restaurants, and transit purchases (up to $30,000 spent annually), and
  • 1 mile per $10 spent on all other purchases.

No other AIR MILES card offers a rate of 1 mile per $5 spent on essentials like groceries.

And to celebrate the card’s relaunch, it also has a great new welcome bonus offer worth up to 3,500 AIR MILES:

  • 1,700 miles after you spend $1,500 in the first 3 months,
  • 150 bonus miles every month you spend $500 in the first 6 months, and
  • another 150 bonus miles every month you spend $1,000 in the first 6 months.

Rack up AIR MILES like never before with this card.

As an added bonus, the is also seeing an increased welcome bonus offer of up to 3,800 miles.

These welcome bonus offers end January 20, 2020.

10% cash back and the first year free

One of the top cash back cards in Canada is also running a great sign-up bonus.

The is offering 10% cash back on absolutely all purchases, up to $2,000 in spending in the first 3 months. That’s a potential $200 in rewards.

Plus, you don’t have to dish any of it out on an annual fee, because you’ll be getting it waived for the first year.

After your honeymoon period is over, you’ll be earning 3% cash back on gas, groceries, and recurring bills – capped at $15,000 in spending per year for each category. Afterwards, and on all your other purchases, you’ll get a straightforward 1% back.

One of the best features of this card? Complimentary roadside assistance.

And with winter coming up, (or possibly already here, depending on where you live) you won’t have to worry about getting stranded in the dead cold of a Canadian winter should your car break down…it’s definitely a handy feature to have for road trips should you find yourself in a pickle.

Best credit card in Canada, up to 30,000 bonus points

The best credit card in Canada, the graces our list with its outstanding 30K welcome bonus. All you have to do is spend at least $500 per month for 12 months, and the full bonus will be yours.

Considering the average family of 4 in Canada will spend around $1,000 per month on groceries alone in 2019, this welcome bonus is as good as earned.

On top of that, you’ll get:

  • 5 points per $1 spent on grocery, bar, and restaurant purchases.
  • 2 points per $1 spent on gas and travel purchases (including daily transit), and
  • 1 point per $1 spent on all other purchases.

All for a super manageable $10 monthly fee.

And with a multitude of ways to use your Membership Rewards points, you’ll be earning high value, flexible rewards that can be used for almost anything.

0% interest on balance transfers for 10 months, best offer in Canada

* This offer is not available to residents of Quebec. For residents of Quebec, please click here.

If you have some sticky debt hanging around, the best balance transfer offer in Canada is here to save the day (and your credit score).

The is offering a 0% balance transfer promo rate for 10 months.

And unlike many balance transfer offers out there, once the promotional period is over, you can still take advantage of a permanently low 12.99% purchase interest rate rather than have the interest shoot back up to 19.99% or more.

$300 in travel rewards, 2% return in flexible rewards

* This offer is not available to residents of Quebec. For residents of Quebec, please click here.

For flexible rewards and a high earn rate on every purchase, the may be up your alley – especially if you’re a Costco shopper.

To get started, you’ll get:

  • 20,000 points after spending $2,000 in the first 3 months, then
  • 10,000 more when you sign up for e-statements.

On top of that, you’ll earn 2 points per dollar spent on absolutely all of your purchases. With an MBNA Rewards point worth 1 cent when redeemed for travel, that’s a flat 2% return on every purchase.

It doesn’t get much simpler than that – no tiers, caps, or spending limits. A truly great card for Costco lovers.

2 free movie tickets, no annual fee

The holiday blockbuster movie season is nearing – Star Wars: Rise Of Skywalker anyone?

You’re probably going to go see a movie eventually, so why not get your movie ticket for free instead of paying for it? Lucky for you, there’s a card to get free movie tickets – the . Earn SCENE points on every purchase you make.

To start, you can earn 2,500 SCENE points after spending $500 in the first 3 months. That’s worth 2 free general admission or 3D movie tickets, or 1 enhanced ticket like UltraAVX or Imax (with some points leftover).

Here’s what you earn for SCENE points on your day-to-day purchases:

  • 5 points per $1 spent at Cineplex, and
  • 1 point per $1 spent everywhere else.

We value a typical SCENE point at 1.05 cents when redeemed for free movies. Thats a 1.05% return on your base spend, and an incredible 5.25% return on Cineplex products.

And it’s all for no annual fee.

You’ll be enjoying plenty of free movies with this card in your wallet.

50,000 welcome bonus miles and a $200 Air Canada eGift Card

Want the most premium Aeroplan card you can get? The may be up your alley.

And while it does have an annual fee of $899, it offers a lot for your money.

And for a card with such a large fee, the welcome bonus is no slouch. Earn 50,000 Aeroplan miles after spending $3,000 in the first 3 months. Spend $6,000 in the first 6 months, and you’ll also get an Air Canada eGift Card worth $200.

With an Aeroplan mile worth an average of 2.5 cents, this bonus is worth up to $1,450.

It also gives you a high average earn rate of 1.25 miles per $1 spent on all purchases, which increases to 2 miles on Air Canada purchases.

In order to make the $899 annual fee worth it, the card needs to have some pretty valuable perks. Here are a few of them:

  • annual companion voucher worth 25,000 Aeroplan miles,
  • 5 free checked bags per year,
  • unlimited access to Maple Leaf and Priority Pass lounges, and
  • priority airport services at Toronto-Pearson airport.

To see more about what this card offers, we have a full review on it right here.

25,000 bonus points, no foreign exchange fees, and great travel perks

For a card that offers great perks, the will give you flexible travel rewards and much more.

To get you started, you can earn a welcome bonus of 25,000 points after spending $1,000 in the first 3 months. That’s worth $250 in value when redeemed for travel through Scotia Rewards.

On top of that, earn points on your everyday purchases:

  • 2 points per $1 on groceries, restaurants, entertainment, and travel, and
  • 1 point per $1 spent on everything else.

Where this card really shines in rewards is the annual bonus it hands out. Spend 40K per year on this card and you’ll get a 10,000 point bonus. For every 10K you spend above that, get another 2,000 bonus points.

But its best feature? It charges no foreign transaction fee. Save yourself the usual 2.5% fee on purchases made in currencies other than CAD that other cards charge. In fact, it’s our #1 rated foreign transaction fee credit card in Canada right now.

Throw in great insurance – including travel insurance coverage for anyone over 65 – and a priority pass membership with 6 free visits, and you’ll be able to relax and put your mind at ease while you’re out travelling.

Up to 4% cash back on the categories you want and a $75 Amazon e-Gift card on us

Get a $75 Amazon.ca e-gift card on us – details here.

For a limited time, the is offering you 4% cash back on the 2 categories you choose for the first 3 months after opening your account.

To make this offer even sweeter, we’re also giving away a $75 Amazon e-gift card when you apply by December 18 and get approved for the card. Details on this offer can be found here.

And you can also choose a 3rd category to earn this bonus when you have your Money-Back Rewards deposited into your Tangerine Savings account.

The categories you can choose from are:

  • grocery,
  • recurring bill payments,
  • furniture,
  • drug store,
  • restaurants,
  • home improvement,
  • hotel/motel,
  • entertainment,
  • gas, and
  • public transit and parking.

On top of having no annual fee and earning 0.5% cash back on all other purchases, there’s also a low promotional balance transfer interest rate of 1.95% and a 1% balance transfer fee.

If you were thinking of switching to Tangerine, now might be the time to try it out, risk free.

2x the points in the first 3 months, first year free

For a large sign-up bonus you can use for any type of travel, the will help you scratch your travel itch.

You can earn a welcome bonus of up to 90,000 points:

  • 20,000 points after making your first purchase,
  • 10,000 points when you add an authorized user, and
  • 2x the points in the first 3 months, until 60,000 points have been earned.

Just note that the 2x points in the first 3 months also includes what you’d be earning on your regular spending anyway.

You’ll also get a high earn rate on every purchase:

  • 9 points per $1 spent at Expedia For TD, and
  • 3 points per $1 spent everywhere else.

That’s a 4.5% return on your travel purchases, one of the best out there for travel. And you still get a return of 1.5% on all other purchases.

Throw in the first year free and TD is giving you every reason to take this card for a test drive.

For lots of points you can earn on any travel purchase, TD has a great candidate for you. This offer is set to end on December 1, 2019.

$100 bonus in travel rewards for no annual fee

* This offer is not available to residents of Quebec. For residents of Quebec, please click here.

Another MBNA Rewards card to grace our list, the is also offering a great sign up bonus.

You can earn up to 10,000 bonus points:

  • 5,000 after your first purchase and
  • 5,000 after signing up for e-statements.

You’ll also earn 4 points per $1 spent on gas, groceries, and restaurant purchases in the first 3 months.

On top of that, you’ll earn MBNA Points at these great regular rates:

  • 2 points per $1 on gas, groceries, and restaurants (up to $5,000 spent annually in each category), and
  • 1 point per $1 on all other purchases.

Pretty sweet for a no fee card.

And what’s more, this card has no income requirements, making it available to more Canadians.

$480 cash back, $250 in annual travel reimbursements

If you want a card that gives you a different way of saving money while travelling, the fits the bill.

It’s currently offering a top notch sign-up bonus. Until November 30th, you can earn $40 cash back for every month you spend $500 in the first year. That’s up to $480 in your pocket.

On top of that, you still earn great travel rewards. It has an earn rate of 1.5 points per $1 spent on the first $40,000 in annual spend. Then, for your next $40,000 worth of purchases, you’ll earn 2 points per $1.

When redeemed through National Bank A La Carte Rewards, each point is worth 1 cent, giving you a 1.5% to 2% return.

But, where the card really stands out is with its Savvy Traveller Reimbursements.

What can you get reimbursed?

  • $100 for airport parking,
  • $100 for checked baggage, and
  • $50 for seat selection.

Say goodbye to some of those pesky fees no one likes paying for.

Plus, it comes with great insurance coverage, including triple extended warranty (up to 2 years), and 15 days of emergency medical coverage for people over 65.

Add that all up, and National Bank has a great offer for your travel needs.

If you don’t meet the income requirements, these 2 National Bank cards are also offering the same $480 cash back bonus offer:

We want to hear from you

What deal will you take advantage of this month?

Is there one we haven’t mentioned?

Let us know in the comments below.

The post Best Credit Card Offers, Sign-up Bonuses, And Deals For November 2019 appeared first on creditcardGenius.

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