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Onaclaireplane Best Welcome Offers for January 2026
Published Jan 6, 2026 1:30 AM
• Updated Jan 6, 2026 4:26 AM
• 5 min read
Written By
InfluencerHere are my top 5 picks for best welcome offers in January 2026! I discuss the offers and a few perks of each card in the video below :)
| Scotiabank Passport® Visa Infinite* Card | Scotiabank Gold American Express® Card | BMO VIPorter World Elite Mastercard®∗ | TD First Class Travel® Visa Infinite* Card | WestJet RBC World Elite Mastercard | |
|---|---|---|---|---|---|
Welcome Bonus | Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points | Earn up to $850 in welcome offers | Get up to 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.* | Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. | Get up to 70,000 WestJet points |
Earn Rates |
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Insurance Included | 12 types
| 13 types
| 11 types
| 13 types
| 11 types
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Benefits | 5 benefits
| 4 benefits
| 8 benefits
| 8 benefits
| 8 benefits
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Annual Fee | $150 | $120 | $199 (First Year Rebated) | $139 (First Year Rebated) | $139 |
Income Requirements | $60,000 personal or $100,000 household | $12,000 personal or $12,000 household | $80,000 personal or $150,000 household | $60,000 personal or $100,000 household | $80,000 personal or $150,000 household |
Apply Now | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW | Learn More |
Our choice for: Premium Travel Perks and No FX Fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points
Annual Fee
$150
Interest Rates
20.99% / 22.99%
The Scotiabank Passport Visa Infinite is a strong choice for frequent travelers, especially those who value flexibility and premium perks. It stands out with its rare benefit of no foreign transaction fees, making international purchases more cost-effective. Additionally, the card offers a valuable blend of travel perks, including airport lounge access, comprehensive insurance coverage, and flexible rewards, making it an ideal companion for those who frequently travel abroad and want to avoid extra fees while enjoying premium benefits.
Pros
- High rewards
- No foreign transaction fees
- Comprehensive insurance
- Airport lounge access
- Generous intro offer
Cons
- High income requirements
- High annual fee
Rewards
- Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more†
- Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)†
- Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases†
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†
Insurance
Coverage
Travel Medical Insurance
$2M/insured up to 25 daysTravel Medical Insurance (65+)
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Flight Delay
$500/person after 4 hours
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000
Common Carrier Travel Accident Insurance
$500,000/insured, $1M combined.svg)
Car Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
6 Free complimentary visits.svg)
Status lift
Avis® Preferred Plus membership.svg)
Concierge Services
Visa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
Our choice for: Great rewards, travel benefits and no FX fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Earn up to $850 in welcome offers
Annual Fee
$120
Interest Rates
20.99% / 22.99%
The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
Pros
- No foreign transaction fees
- Well-rounded rewards
- Comprehensive insurance
- Flexible redemptions
Cons
- Limited acceptance
- No lounge access
- Annual fee
Rewards
- Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
- Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
- Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance
Coverage
Travel Medical Insurance
$1M, Up to 25 daysTravel Medical Insurance (65+)
$1M, Up to 3 daysTrip Cancellation
$1,500/person, $10,000/tripTrip Interruption
$1,500/person, $10,000/tripLost or Stolen Baggage
$500/person, $1,000/tripBaggage Delay
$500/person, $1,000/trip After 4 hoursFlight Delay
$500/personCommon Carrier Travel Accident Insurance
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1,000/occurrence
Mobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership
Eligibility
Credit Score
GoodAnnual Income
$12,000 personal or $12,000 household
*Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
APPLY NOW
on TD's website
Welcome Bonus
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Pros
- High rewards
- First-year fee rebate
- Extensive insurance
- Annual travel credit
Cons
- High income requirements
- Low point value
- Potentially week booking portal
Rewards
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
Insurance
Coverage
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 daysTrip Cancellation†
$1,500Trip Interruption†
$5,000Flight Delay†
$500Baggage Delay†
$1,000Lost or Stolen Baggage†
$1,000Common Carrier Travel Accident Insurance†
$500,000Car Rental Damage & Theft†
yesHotel Burglary Insurance†
$2,500Purchase Protection†
90 daysExtended Warranty†
Up to 1 yearMobile Device Insurance†
$1,000
Benefits
Details
Visa Infinite Exclusive Benefits†
Concierge Services†
Golf Benefit†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Annual Birthday Bonus†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car.svg)
Travel Credit†
Get an annual TD Travel Credit of $100 when you book at Expedia For TDAirport Lounge - Dragon Pass†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best credit card for frequent WestJet travellers
APPLY NOW
on RBC's website
Welcome Bonus
Get up to 70,000 WestJet points
Annual Fee
$139
Interest Rates
20.99% / 22.99%□
If you travel frequently with WestJet, you must get this card because you are missing out on many benefits, even if you don't use this card for rewards. The round-trip companion voucher, status lift, and free checked bag benefits alone more than make up for the annual fee. For WestJet purchases, this card is great for earning rewards, but for all other categories, we recommend pairing it with another card.
Pros
- Solid WestJet optimizations
- Generous welcome bonus
- Comprehensive insurance
- Airport lounge access
- Annual companion voucher
- Free first checked bags
Cons
- Annual fee
- Limited rewards
- Limited redemption opportunities
- High income requirements
Rewards
- Earn 2 points per $1 spent on WestJet flights, WestJet Vacations, and Sunwing Vacations
- Earn 2 points per $1 spent at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
- Earn 1.5 points per $1 spent on all other everyday purchases
Insurance
Coverage
Travel Medical Insurance
15 daysTravel Medical Insurance (65+)
3 daysCommon Carrier Travel Accident Insurance
$500KCar Rental Damage & Theft
$65K up to 48 daysTrip Interruption
$5K/person, $25K/tripFlight Delay
$250/person, $500/occurrenceBaggage Delay
$500/person, $2500/occurrencePurchase Protection
90 daysExtended Warranty
1 yearMobile Device Insurance
$1,500Trip Cancellation
$1,500 per person per trip
Benefits
Details
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included! Companion Voucher can be exchanged for 2 visits.
Companion Voucher
Spend $5,000 annually and get a companion voucher starting at $119 CAD (plus fees), or exchange it for a 30% flight discount, $200 vacation package credit, or two lounge passes.Status lift
Eern $500 in tier qualifying spend which applies towards achieving the next WestJet Rewards tier for every $15,000 CAD in Eligible Purchases on your WestJet RBC World Elite Mastercard (up to a maximum of $1,500 in tier qualifying spend in a qualifying year).svg)
Free first checked bag
First checked bag is free for primary cardholder on WestJet flight and up to 8 guests when you pay with your WestJet RBC World Elite MastercardDiscount
Member Exclusive fares: Exclusive discounts when you pay the full base fare with WestJet dollars
Boingo Wi-Fi hotspot
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Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at Rexall
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
*1) To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between November 5, 2025 and February 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.
You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25, 000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase
transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”). You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. Check here for full details and current product information.
Our choice for:
APPLY NOW
on BMO's website
Welcome Bonus
Get up to 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.*
Annual Fee
$199 $0
Interest Rates
21.99% / 23.99%□
This is easily the best credit card in Canada for frequent Porter airline (and its partners) travelers. Earning 2x VIPorter points on common everyday purchases like groceries, dining and transportation is a massive benefit, allowing you to rack up points really fast and enjoy travel via Porter and it's airline partners. The premium benefits of this card make your travels smooth as you get priority security screening, early boarding and priority re-accommodation for flight delays, one complimentary checked bag, a carry-on bag with every fare type (including Basic), and complimentary PorterClassic seat selection.
Pros
- First-year fee rebate
- Generous welcome bonus
- Solid everyday earning opportunities
- Impressive Porter redemptions
- Comprehensive coverage
- Valuable travel perks
Cons
- Higher annual fee
- Companion pass spending requirement
- Limited redemption opportunities
- Spending caps
- High income requirements
Rewards
- Earn 3 VIPorter points for every $1 spent on eligible Porter purchases via flyporter.com (up to $20,000 in spending annually)
- Earn 2 VIPorter point for every $1 spent on eligible gas and transportation purchases (up to $5,000 in spending annually combined)
- Earn 2 VIPorter point for every $1 spent on eligible groceries and dining purchases (up to $10,000 in spending annually combined)
- Earn 2 VIPorter point for every $1 spent on eligible hotel accommodation purchases (up to $5,000 in spending annually)
- Earn 1 VIPorter point for every $1 spent everywhere else
- Primary cardholders will receive an annual companion pass after spending a minimum of $50,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date. On the anniversary date of your card, the calculation of the purchases will reset to zero and primary cardholders must qualify again for the new annual period.
Insurance
Coverage
Extended Warranty
1 yearPurchase Protection
90 daysTravel Medical Insurance
Up to $5M per insured person, per trip, for 21 days per tripCommon Carrier Travel Accident Insurance
Up to $500,000 per insured personTrip Cancellation
Up to $1,500 per insured person, per trip (maximum of $5,000 per trip for all insured persons combined)Trip Interruption
$2,000 per insured personFlight Delay
Up to a maximum of $500 per trip for all insured persons combinedBaggage Delay
Up to $500 per insured person, to a maximum of $1,000 per trip for all insured persons combined, for the purchase of essential itemsLost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combinedHotel Burglary Insurance
Up to $1,000 per occurrence for all insured persons combinedCar Rental Damage & Theft
Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000
Benefits
Details
Airport Lounge - Dragon Pass
Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.*Free first checked bag
1 complimentary checked bag as well as 1 complimentary carry-on bag on all Porter fare types up to 8 companions travelling on the same bookingCompanion Voucher
A round-trip companion pass per year
Priority Travel
Priority check-in, security, and early boarding for up to 8 companions travelling on the same bookingCar Rental Discount
Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking toolHotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada*
Mastercard On-Demand and Subscription Services
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
**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. Check here for full details and current product information.
Best Welcome Offers for January 2026