Carte IQ

Best Welcome Offers

Discover the public welcome offers currently providing the most value after the fees required to earn them.

Current ranking

Best evaluated welcome offers

8 unique offers, ordered by published net value.

Published net value
Carte IQ net value

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
Rank Card and issuer Category Published net value End date Actions
1
BMO VIPorter World Elite Mastercard — BMO
BMO VIPorter World Elite Mastercard BMOUp to 70,000 VIPorter points.
Points $1,050.00Required spend: $18,000.00 · Annual fee: $199.00
Remind me before it ends Get an email 5 days before the offer ends.
2
BMO VIPorter Mastercard — BMO
BMO VIPorter Mastercard BMOUp to 40,000 VIPorter points.
Points $600.00Required spend: $10,000.00 · Annual fee: $89.00
Remind me before it ends Get an email 5 days before the offer ends.
3
Marriott Bonvoy American Express Card — American Express Canada
Marriott Bonvoy American Express Card American Express CanadaUp to 110,000 Marriott Bonvoy points.
Points $546.64Required spend: $6,000.00 · Annual fee: $120.00
Remind me before it ends Get an email 5 days before the offer ends.
4
BMO CashBack World Elite Mastercard — BMO
BMO CashBack World Elite Mastercard BMOUp to $619.00 in gross promotional value.
Cash back and credits $480.00Required spend: $24,000.00 · Annual fee: $139.00
Remind me before it ends Get an email 5 days before the offer ends.
5
RBC Avion Visa Infinite — RBC
RBC Avion Visa Infinite RBCUp to 70,000 RBC Avion Elite points.
Points $430.00Required spend: $5,000.00 · Annual fee: $120.00
Remind me before it ends Get an email 5 days before the offer ends.
6
Scotiabank Platinum American Express Card — Scotiabank Canada
Scotiabank Platinum American Express Card Scotiabank CanadaUp to 100,000 Scene+ points.
Points $401.00Required spend: $10,000.00 · Annual fee: $399.00 End date not published
No official end date is published, so a reminder cannot be scheduled.
7
Scotiabank Gold American Express Card — Scotiabank Canada
Scotiabank Gold American Express Card Scotiabank CanadaUp to 50,000 Scene+ points.
Points $380.00Required spend: $7,500.00 · Annual fee: $120.00 End date not published
No official end date is published, so a reminder cannot be scheduled.
8
American Express Aeroplan Reserve Card — American Express Canada
American Express Aeroplan Reserve Card American Express CanadaUp to 85,000 Aeroplan points.
Points $301.00Required spend: $10,000.00 · Annual fee: $599.00 End date not published
No official end date is published, so a reminder cannot be scheduled.
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