Updated: Feb 3, 2026 • Canada • Rewards & welcome offers
Credit Card Offers Canada Today (Feb 4, 2026): Top Cash Back & Travel Deals Available Now
If you’re searching for credit card offers in Canada today, you’re usually trying to answer one practical question: which card gives you the best value right now—whether that’s a generous welcome offer, strong ongoing rewards, or a first-year fee rebate that makes trying a new card feel less risky.
Today’s quick takeaway: Cash back cards are best for everyday spending (groceries, bills, gas). Travel cards shine when you want flexible points, lounge perks, and redemption options. Below are the standout offers currently available to Canadians, with plain-English notes on who each one fits best.
Top cash back offers available in Canada right now
Scotia Momentum Visa Infinite (Cash back + first-year fee relief)
A headline offer structure that can be easy to understand: 10% cash back on purchases for a limited intro period (typically capped), plus first-year annual fee waived in the current promo.
- Best for: households with steady groceries + recurring bill payments
- Why people like it: big “front-loaded” cash back, then strong category earn rates
- Watch for: caps and category rules (always skim the earn categories before applying)
CIBC Dividend Visa Infinite (Strong welcome bonus + everyday earn rates)
This is one of the most searched “everyday value” cards because the current offer combines a 10% cash back welcome bonus (capped), an extra cash bonus for setting up a pre-authorized payment, and a first-year annual fee rebate.
- Best for: people who want cash back without fuss
- Sweet spot: groceries + gas/EV charging + recurring categories
- Watch for: welcome-bonus spend windows (set reminders to hit the threshold)
TD Cash Back Visa Infinite (Popular “big intro value” style offer)
This card often shows up in “offers today” searches because promos tend to emphasize intro cash back value and (frequently) a first-year annual fee rebate. It’s a common pick for anyone who wants a mainstream cash back card from a major bank.
- Best for: simple cash back + easy redemption
- Good to know: promos can change—check the current terms before you click apply
- Watch for: income requirements typical of “Infinite” tier cards
Cash back tip that saves real money: If you can pay your statement in full, the interest-free window matters. The Financial Consumer Agency of Canada explains how grace periods work and why cash advances and balance transfers are treated differently.
Top travel and points offers Canadians are looking at today
American Express Cobalt Card (Points powerhouse for everyday spend)
If your weekly budget leans toward restaurants, cafes, food delivery, and groceries, Cobalt is often the “why are my points so high?” card. It’s known for strong earn rates in food categories and a welcome offer structured around meeting monthly spending.
- Best for: food-first spenders who want flexible points
- Why it’s trending: high earn rate on eats & drinks (with monthly caps)
- Watch for: monthly fee style pricing (different from standard annual-fee cards)
RBC Avion Visa Infinite (Flexible travel points + big welcome points)
Avion is a frequent “offers today” contender because it pairs a well-known points program with a strong welcome points structure that rewards approvals and meeting a spend target within the first months.
- Best for: travellers who want flexible redemption options
- Good fit: occasional travellers who still want a premium card feel
- Watch for: the spend threshold for the full welcome bonus
Scotiabank Passport Visa Infinite (Travel perks + Scene+ welcome offer)
For travellers who care about perks, this one is often shortlisted thanks to a large Scene+ welcome offer (with minimum spend) and a benefits package designed for people who travel more than once or twice a year.
- Best for: frequent travellers who want perks built in
- Why it’s popular: big intro value framing + premium travel positioning
- Watch for: how Scene+ points fit your redemption style (travel vs statement credit)
A simple way to pick the “right now” offer without regret
- Start with your biggest spend category. If it’s groceries/bills, cash back usually wins. If it’s travel and dining, points cards can outperform.
- Don’t chase a bonus you won’t hit. A smaller bonus you actually earn beats a large bonus with a spend requirement you miss.
- Check the first-year cost. If an annual fee is rebated, your “trial year” is cheaper—use that year to measure real value.
- Make sure the rewards match your life. Cash back is universal. Travel points are powerful—but only if you’ll redeem them.
Want more money guides built for Canadian readers? Browse the latest on Swikblog.
