Canadian money deals worth your time, checked and ranked.

$25 sign-up bonus

New clients get a $25 cash bonus when they open a Wealthsimple account through our referral link and deposit at least $100 from another institution within 30 days. The bonus is paid into a Wealthsimple Chequing account (you need one to receive it) and has to stay in your Wealthsimple account for 180 days, or Wealthsimple can take it back.

Terms checked Oct 11, 2026 on the provider’s official page

0% margin interest on your first $5,000 USD for 6 months (code 0MARGIN)

For new Questrade clients only: no open Questrade or QWM account now, and no completed account in the past 3 years. You must be a Canadian resident who has reached the age of majority. Enter code 0MARGIN when you start a self-directed margin account application, then open and fund the account and get approved for margin, all within the offer period (September 1 to December 1, 2026 in the offer terms; a footnote on Questrade's site says December 31). Questrade rebates the margin interest charged on USD balances, up to US$5,000 of debit balance. The rebate lasts up to 180 days (maximum 6 rebate cycles). Interest on CAD balances does not qualify. One per customer, and it can't be combined with other offers. Other offers on the same promotions page: Questrade reimburses the fees another institution charges for a transfer, up to $150 per account; a referral code pays $50 each to the new customer and the referrer when an account is opened and funded; and Questrade Plus is free for the first 30 days. Questrade's terms also state: "Borrowing to invest involves significant risk; losses can exceed deposits."

Terms checked Oct 11, 2026 on the provider’s official page

Ten $10 trading coupons + up to 30 free stocks (33 with an invitation link)

For new Moomoo Canada clients who register for the first time after June 1, 2026, and sign up through Moomoo's promo landing page. Clients who first register on or after September 1, 2026 also get ten $10 trading coupons for a net deposit of at least $100, each usable on a stock transaction of $100 or more. A net deposit of at least $1,000 unlocks 10 free-stock draws, and at least $8,000 unlocks 30 in total. Registering and depositing through an existing client's invitation link raises those to 13 and 33 draws under Moomoo's separate referral campaign terms. The stocks you draw stay frozen until your average daily assets over the next 30 days stay at or above that deposit tier; if they don't, the stocks are removed. Draw chances expire 30 days after they're awarded. New brokerage accounts also get a 30-day Moomoo Engine trial that pays 6% on up to CAD $10,000 of uninvested cash (you have to enrol in Cash Sweep), plus a 30-day commission rebate card. One set of rewards per person and per device. Canadian residents over the age of majority only. Both the welcome promotion and the referral campaign end on October 31, 2026.

Terms checked Oct 11, 2026 on the provider’s official page

$50 cash with a referral code

You need a referral code from an existing Questrade customer. Only people new to Questrade qualify: no existing Questrade application or account. The code is applied while the application is being filled in, and it can't be added once an account number has been issued. Open a self-directed or Questwealth Portfolios account, and finish opening and funding it within 60 days of starting. Questrade pays $50 to the new customer and $50 to the referrer the month after the account is completed. Each new customer can use only one referral code, and it can't be combined with other offer codes such as 0MARGIN. The reward is in Canadian dollars, and Questrade can modify, suspend or cancel it at any time without prior notice. Questrade's pages list no end date for the referral reward.

Terms checked Oct 11, 2026 on the provider’s official page

$350 cash for setting up direct deposit

New Simplii clients only: Canadian residents of the age of majority who have not held a Simplii Financial product as primary account holder on or before March 23, 2026. Open a new No Fee Chequing Account as primary account holder between October 1, 2026 and January 31, 2027. Within 150 days of opening the account, set up eligible recurring direct deposits (such as payroll, pension, old age security, disability payments or employment insurance) totalling at least $100 a month, credited for 4 consecutive months. Interac e-Transfers and transfers between accounts do not count. The $350 is deposited to the new account within 3 business days of meeting the requirements, and the account must be active and in good standing at that time. One cash reward per client.

Terms checked Oct 11, 2026 on the provider’s official page

$20 referral bonus

You need a valid Referral Link from an existing EQ Bank customer. Open an EQ Bank Personal Account with that link, then fund it with at least $100 within 30 calendar days of account activation. The $20 goes into your Personal Account within five business days of meeting the funding condition. Only new clients qualify: anyone who already had an EQ Bank Personal Account does not, and neither does anyone who signs up through a link to join a joint account. The bonus can't be combined with other offers unless EQ Bank expressly permits it. The terms list no end date: the program runs on an ongoing basis until EQ Bank changes or ends it.

Terms checked Oct 11, 2026 on the provider’s official page

$250 cash bonus for moving your pay

New Tangerine clients only (Client Number created May 1, 2024 to October 31, 2026). Open a Tangerine Chequing Account as primary holder within 60 days of becoming a client. Set up recurring payroll direct deposits within 60 days of opening the account, deposit the full amount, at least $200 a month, for at least 2 consecutive months. Bonus is paid to the chequing account the month after the conditions are met. Only payroll-coded deposits qualify (these include pension, EI, OAS, CPP). Can't be combined with other chequing cash bonus offers. One bonus per client. The offer ends October 31, 2026: that is the last day a qualifying Client Number can be created, and Tangerine says the offer may be changed, extended or cancelled without notice.

Terms checked Oct 11, 2026 on the provider’s official page

3 months free of KOHO's Everything plan with a member's referral code (KOHO values it at $66)

Sign up with an existing KOHO member's referral link or code, verify your account, and make a first purchase of at least $20 within 30 days. The reward is a waived plan fee, not cash: the cash reward on KOHO's referral page goes to the member who shared the code. KOHO's page does not state an end date.

Terms checked Oct 11, 2026 on the provider’s official page

Up to $35 in Neo Rewards credit: $25 when you get a Neo credit card + $10 when you open and fund a Neo Savings or Neo Chequing account

New Neo customers only, signing up through a referral link. $25 after you are approved for an eligible Neo credit card. $10 after you open a Neo Savings or Neo Chequing account and deposit $50 (the footnote says the $50 goes into a Neo Everyday or Neo Chequing account). The application must be completed within 90 days of the referral. Neo pays both bonuses as Neo Rewards referral credits, applied automatically to the Neo profile, not as cash. Limited-time offer with no end date listed, and Neo can change or cancel it at any time without notice. The full $35 requires both a credit card approval and a funded deposit account.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 15,000 Membership Rewards points

Only for new Cobalt Cardmembers. Current or former Cobalt Cardmembers can't get the offer. You earn 1,250 Membership Rewards points for each monthly billing period in your first year in which at least $750 in net purchases posts to your account by the last day of the billing period. That adds up to a maximum of 15,000 points. A purchase that posts after the period ends counts toward the next period. Your account must be in good standing. Bonus points can take up to 8 weeks to arrive. Amex says the offer is subject to change. The card fee is $15.99 a month ($191.88 a year); Quebec residents pay $191.88 once a year. This is the standard public offer. Amex's Cobalt page may show some visitors a higher Elevated Offer.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 85,000 Aeroplan points

For new American Express Aeroplan Reserve Cardmembers only. Current or former Reserve Cardmembers can't get it. You earn 60,000 Aeroplan points when at least $7,500 in net purchases post to your account within your first 3 months. You earn another 25,000 points when you spend $2,500 in month 13 of Cardmembership. Amex may also deny the bonus if you already received Aeroplan welcome points on the same category of Aeroplan card from another issuer. The offer can change at any time. Annual fee is $599. Amex's notice on the page says annual fees charged on or after January 12, 2027 will be $799. This is the standard public offer. Amex's other Aeroplan Reserve product page may show some visitors a higher Elevated Offer.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 100,000 Membership Rewards points (70,000 after $10,000 spend in 3 months + 30,000 for a purchase in months 15–17)

New Platinum Cardmembers only (current or former Platinum Cardmembers are not eligible). 70,000 MR points after $10,000 in net purchases posted in the first 3 months; an additional 30,000 MR points for one purchase of any amount charged between months 15 and 17 of Cardmembership. $799 annual fee (charge card). This is the standard public offer. Amex's Platinum page may show some visitors a higher Elevated Offer.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 45,000 Aeroplan points

New American Express Aeroplan Cardmembers only. You get 35,000 Aeroplan points after $7,500 in net purchases within the first 6 months, plus 10,000 more points when you spend $1,000 in month 13 of Cardmembership. Current or former Cardmembers with this Card are not eligible. You may also not be eligible if you already received welcome or incentive Aeroplan points on an Aeroplan card of the same category from another issuer. Other terms apply. Annual fee is $120. Amex's notice on the page says annual fees charged on or after January 12, 2027 will be $150.

Terms checked Oct 11, 2026 on the provider’s official page

25,000 bonus Scene+ points (up to 35,000 with the 10,000-point annual bonus at $40,000 spend)

Open a new Scotiabank Passport Visa Infinite+ account between August 4, 2026 and November 1, 2026. Spend at least $2,000 on eligible purchases in the first 3 months to get 25,000 bonus Scene+ points, credited about 8 weeks after you qualify. There is also a separate annual bonus: 10,000 Scene+ points each year you spend at least $40,000 on eligible purchases, plus 2,000 points for every extra $10,000 spent that year. You are not eligible for the 25,000-point bonus if you held a Scotiabank personal credit card as a primary or secondary cardholder in the past 2 years (including switching from one), or if you are a Scotiabank employee. The annual fee is $150, and the offer terms list no first-year waiver of it. The first supplementary card is $0, and each one after that is $50. The Ultimate Package chequing account gives a rebate of up to $150 on the annual fee each year, and the Preferred Package gives a $40 rebate from the first card anniversary on, with at least $15,000 in purchases in the prior 12 statement periods (the first-year fee is not rebated).

Terms checked Oct 11, 2026 on the provider’s official page

Up to 50,000 Aeroplan points + first-year annual fee rebate

10,000 Aeroplan points after your first purchase. Another 15,000 points when you spend $3,000 in net purchases within 90 days of opening the account. Then a one-time anniversary bonus of 25,000 points if you spend $12,000 in net purchases within 12 months and the account stays open and active for 12 months. The first-year annual fee is rebated ($139 for the primary cardholder, and up to 3 additional cardholders) if you activate the card and make your first purchase within 3 months of opening. Additional cardholders must be added within 3 months. You are not eligible if you opened any TD Aeroplan Visa account in the last 12 months, and Aeroplan's rules on earlier welcome points also apply. Income requirement: $60,000 personal or $100,000 household.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 60,000 Membership Rewards points

New American Express Gold Rewards Cardmembers only; current or former Gold Rewards Cardmembers can't get the bonus. You earn 5,000 points for each monthly billing period in your first year of Cardmembership in which at least $1,000 in net purchases posts to your account by the last day of that billing period. Over 12 billing periods that adds up to 60,000 points, which takes at least $12,000 in spending. Bonus points can take up to eight weeks to post. $250 annual fee.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 200,000 BMO Rewards points + up to $200 NEXUS credit + $200 anniversary lifestyle credit

The points come in three tiers. You get 80,000 points after spending $6,000 in net purchases in the first 110 days, another 40,000 after $30,000 in the first 180 days, and another 80,000 after $75,000 in the first 12 months. BMO pays up to $200 back when a NEXUS application fee posts to the primary card in year one. The $200 lifestyle credit needs one purchase of $200 or more in the annual period and is paid after the anniversary, when the annual fee renews. Applications must arrive by October 31, 2026. The annual fee is $599. Minimum income is $150,000 (individual) or $200,000 (household). The offer is not open to current or former eclipse Visa Infinite Privilege cardholders, or to existing BMO cardholders switching into this card. Bonus points may be taken back if the card is closed within 365 days.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 70,000 Avion points

The offer is paid in three parts. You get 35,000 Avion points on approval, shown on a statement within 60 days of approval. You get 20,000 bonus points once $5,000 in qualifying net purchases and/or pre-authorized bill payments posts to the account within the first 6 months. You get 15,000 one-time anniversary points, credited 12-16 weeks after the account's first anniversary. The account must be open and in good standing when each batch of points is credited. The offer only covers new applications received between August 13, 2026 and November 25, 2026. Additional cardholders are not eligible, and neither are existing RBC personal credit cardholders who switch to this card. It can't be combined with other offers. The card requires a minimum personal income of $60,000 or a minimum household income of $100,000.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 115,000 BMO Rewards points + first-year annual fee waived

Welcome points come in three tiers: 60,000 points for $5,000 in net purchases within the first 110 days, 20,000 more for $10,000 within the first 180 days, and 35,000 more for $20,000 within the first 12 months. Your application must be received between September 15, 2026 and December 7, 2026. The offer is not open to current or former BMO Ascend World Elite Mastercard cardholders, or to existing BMO cardholders who switch into this card. The $150 primary annual fee is rebated in year one, and $50 additional cards are also rebated in year one if added at application. BMO also gives one NEXUS statement credit of up to $200 in the first year. Minimum income is $80,000 individual or $150,000 household. Points may be clawed back if the card is cancelled within 365 days.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 70,000 Marriott Bonvoy points

New Marriott Bonvoy American Express Cardmembers only. Earn 60,000 points after at least $3,000 in net purchases within the first 3 months, plus an additional 10,000 points after at least $500 in net purchases during month 13. The month-13 bonus requires keeping the card into the second year, and the second-year annual fee is payable. Current or former cardmembers of this card are not eligible. Amex says the offer is subject to change at any time. Annual fee is $120.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 50,000 Aeroplan points + first-year annual fee rebate

Tiered bonus for newly approved accounts (applications approved beginning July 16, 2026). You get 10,000 Aeroplan points after your first purchase. You get 15,000 more if you have at least $6,000 in net purchases posted during the first 6 monthly statement periods. A 25,000-point anniversary bonus follows if you have at least $12,000 in net eligible purchases posted during the first 12 monthly statement periods, paid within 8 weeks after the one-year account open date. The account must be open and in good standing. There is also a one-time first-year annual fee rebate for the primary cardholder and up to 3 authorized users added at application. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. Minimum income is $60,000 individual or $100,000 household.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 60,000 Aventura Points + first-year annual fee rebate

15,000 Aventura Points after your first purchase, 30,000 more with at least $3,000 in net purchases and another 15,000 with at least $5,000 in net purchases posted in the first 4 monthly statement periods. One-time first-year annual fee rebate for the primary cardholder and up to 3 authorized users added at application. Earns 2 points per $1 on eligible travel booked through the CIBC Rewards Centre and 1.5 points per $1 on eligible gas, EV charging, grocery and drugstore purchases. Transfers and product changes from other CIBC cards are excluded, and you're not eligible if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum income is $60,000 individual or $100,000 household.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 100,000 Aeroplan points

10,000 Aeroplan points when you spend $1,000 in your first 2 monthly statement periods, 40,000 when you spend $5,000 in your first 4, and a 50,000-point anniversary bonus with at least $25,000 in net eligible purchases in the first 12. Earns 2 points per $1 directly with Air Canada and Air Canada Vacations and 1.5 points per $1 on eligible gas, EV charging, groceries, travel and dining. Includes Maple Leaf Lounge access and a free first checked bag, per CIBC's page. No first-year fee rebate is listed. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. Minimum income is $150,000 individual or $200,000 household.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 80,000 Aventura Points + $200 annual travel credit

25,000 Aventura Points when you spend $3,000 and 25,000 when you spend $6,000 in the first 4 monthly statement periods, plus a 30,000-point anniversary bonus with at least $25,000 in net eligible purchases in the first 12 monthly statement periods. CIBC's offer footnote describes the first 50,000 points as paid with at least $6,000 in net purchases posted in the first 4 monthly statement periods. Earns 3 points per $1 on eligible travel booked through the CIBC Rewards Centre and 2 points on eligible dining, transportation, gas, EV charging and groceries. No first-year fee rebate is listed. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum income is $150,000 individual or $200,000 household.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 60,000 Aventura Points + first-year annual fee rebate

Same offer as the Aventura Visa Infinite: 15,000 Aventura Points after your first purchase, 30,000 more with at least $3,000 and another 15,000 with at least $5,000 in net purchases posted in the first 4 monthly statement periods, plus a first-year annual fee rebate. Earns 2 points per $1 on eligible travel booked through the CIBC Rewards Centre and 1.5 points per $1 on eligible gas, EV charging, grocery and drugstore purchases. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum household income is $15,000.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 12,500 Aventura Points, no annual fee

2,500 Aventura Points for completing five activities within 60 days of approval, plus 10,000 more with at least $1,000 in net purchases posted in the first 4 monthly statement periods. Earns 1 point per $1 on eligible travel booked through the CIBC Rewards Centre and on eligible gas, EV charging, grocery and drugstore purchases. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum household income is $15,000.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 10,000 Aeroplan points, no annual fee

2,500 Aeroplan points after your first purchase, 2,500 when you spend $1,500 in the first 4 monthly statement periods, and a 5,000-point anniversary bonus with at least $10,000 in net purchases in the first 12 monthly statement periods. Earns 1 point per $1 directly with Air Canada and Air Canada Vacations and on eligible gas, EV charging and groceries. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. Minimum household income is $15,000.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 2,500 Aventura Points + first-year fee rebate (annual fee US$35)

500 Aventura Points for each of five activities completed within 60 days of approval (sharing your email, eStatements, adding an authorized user, holding an eligible CIBC chequing account, adding the card to a mobile wallet), plus a first-year annual fee rebate. CIBC's page also describes an annual fee rebate for cardholders who hold a premium CIBC personal credit card and a CIBC US$ Personal Account or CIBC Bank USA Smart Account. Billed in U.S. dollars with no currency conversion fees on USD purchases. Earns 1 point per $1 on eligible CIBC Rewards Centre travel and 1 point per $2 on everything else. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum household income is $15,000.

Terms checked Oct 11, 2026 on the provider’s official page

Up to 30,000 bonus MBNA Rewards points

You get 20,000 bonus points after $2,000 or more in eligible purchases within the first 90 days of account opening. You get another 10,000 bonus points for enrolling in online banking and paperless e-statements within the first 90 days. You must be approved for this specific card. You need personal annual income above $80,000 or household annual income of $150,000 or more. The offer is not available to Quebec residents. MBNA's Quebec page shows a smaller one, up to 20,000 points (15,000 after a first eligible purchase and 5,000 for e-statements, both within the first 90 days). MBNA says bonus points take 8-10 weeks to post. The offer may be amended or cancelled at any time without notice. The annual fee is $120 (additional cardholder: $50), and the page mentions no first-year fee waiver.

Terms checked Oct 11, 2026 on the provider’s official page

10% cash back up to $200 + $50 bonus + first-year annual fee rebate

10% cash back on net purchases up to $2,000 in your first 4 statements (up to $200), plus $50 cash back for setting up one pre-authorized payment within the first 4 monthly statements, plus a first-year annual fee rebate. Earns 4% cash back on eligible gas, EV charging and groceries and 2% on eligible transportation, dining, recurring payments and CIBC by Expedia travel. Not available if you opened, transferred or cancelled another Dividend card in the last 12 months. Minimum income is $60,000 individual or $100,000 household.

Terms checked Oct 11, 2026 on the provider’s official page

10% cash back up to $200 + $50 bonus + first-year annual fee rebate

10% cash back on net purchases up to $2,000 in your first 4 statements (up to $200), plus $50 cash back for setting up one pre-authorized payment within the first 4 monthly statements, plus a first-year annual fee rebate. Earns 3% cash back on eligible gas, EV charging and groceries and 2% on eligible transportation, dining, recurring payments and CIBC by Expedia travel. Not available if you opened, transferred or cancelled another Dividend card in the last 12 months. Minimum household income is $15,000.

Terms checked Oct 11, 2026 on the provider’s official page

10% cash back for your first 2 months (up to $100), $0 annual fee

Only for new Tangerine Credit Card Account holders. Apply for the Tangerine Money-Back Credit Card by November 30, 2026, and activate it within 45 days of approval. The 10% bonus applies to up to $1,000 in Net Purchases posted in the 60 days after activation, so the most you can get is $100. Payments, cash advances, balance transfers, cash-like transactions, interest, fees and insurance premiums don't count. The bonus is credited to the card account within 1–2 statement cycles after the 60-day period, as long as the account is open and in Good Standing. Limit one per client. Tangerine can change, cancel or extend the offer at any time. Card eligibility shown on the page: gross annual income of $12,000 or more, age of majority, Canadian resident, no bankruptcy in the past 7 years.

Terms checked Oct 11, 2026 on the provider’s official page