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Best Welcome Offers

The public offers worth the most, fees deducted.

  • Independent and transparent ranking
  • Fees already deducted from net value
  • Data as of November 5, 2026

10 offers selected on their net value, the spend to reach, the time to earn the bonus and the quality of the offer.

First-year net value

The bonus in dollars, minus the fees to earn it.

Net value is the value of offer-specific bonuses, credits, and fee rebates, minus the fees required to earn them. It does not add ordinary rewards earned on minimum spending.

  • Required spending comes from the offer’s published terms.
  • Annual fees and other necessary fees are deducted when they are known and applicable.
  • Promotional points are converted using the valuation method identified in the published data. Ordinary rewards are excluded to prevent double counting and compare offers consistently.
See the full methodology

  1. 1
    BMO VIPorter World Elite Mastercard — BMO

    BMO VIPorter World Elite Mastercard

    BMO
    Up to 70,000 VIPorter points.
    $1,050.00
    Net value, first year
    Required spend
    $18,000.00
    Annual fee
    $199.00
    View offer
  2. 2
    RBC British Airways Visa Infinite — RBC

    RBC British Airways Visa Infinite

    RBC
    Up to 50,000 Avios (The British Airways Club) points.
    $835.00
    Net value, first year
    Required spend
    $6,000.00
    Annual fee
    $165.00
    End date not published
    View offer
  3. 3
    TD First Class Travel Visa Infinite Card — TD Canada Trust

    TD First Class Travel Visa Infinite Card

    TD Canada Trust
    Up to 160,000 TD Rewards points.
    $800.00
    Net value, first year
    Required spend
    $7,500.00
    Annual fee
    $139.00
    End date not published
    View offer
  4. 4
    BMO VIPorter Mastercard — BMO

    BMO VIPorter Mastercard

    BMO
    Up to 40,000 VIPorter points.
    $600.00
    Net value, first year
    Required spend
    $10,000.00
    Annual fee
    $89.00
    View offer
  5. 5
    CIBC Aventura Gold Visa Card — CIBC

    CIBC Aventura Gold Visa Card

    CIBC
    Up to 60,000 CIBC Aventura points.
    $600.00
    Net value, first year
    Required spend
    $5,000.00
    Annual fee
    $139.00
    End date not published
    View offer
  6. 6
    CIBC Aventura Visa Infinite Card — CIBC

    CIBC Aventura Visa Infinite Card

    CIBC
    Up to 60,000 CIBC Aventura points.
    $600.00
    Net value, first year
    Required spend
    $5,000.00
    Annual fee
    $139.00
    End date not published
    View offer
  7. 7
    American Express Gold Rewards Card — American Express Canada

    American Express Gold Rewards Card

    American Express Canada
    Up to 60,000 Membership Rewards points.
    $350.00
    Net value, first year
    Required spend
    $12,000.00
    Annual fee
    $250.00
    End date not published
    View offer
  8. 8
    TD Cash Back Visa Infinite Card — TD Canada Trust

    TD Cash Back Visa Infinite Card

    TD Canada Trust
    Up to $489.00 in gross promotional value.
    $350.00
    Net value, first year
    Required spend
    $3,500.00
    Annual fee
    $139.00
    End date not published
    View offer
  9. 9
    CIBC Dividend Visa Infinite Card — CIBC

    CIBC Dividend Visa Infinite Card

    CIBC
    Up to $370.00 in gross promotional value.
    $250.00
    Net value, first year
    Required spend
    $2,000.00
    Annual fee
    $120.00
    End date not published
    View offer
  10. 10
    CIBC Dividend Platinum Visa Card — CIBC

    CIBC Dividend Platinum Visa Card

    CIBC
    Up to $349.00 in gross promotional value.
    $250.00
    Net value, first year
    Required spend
    $2,000.00
    Annual fee
    $99.00
    End date not published
    View offer

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