For many, credit card, the fear of modern-day slavery, comes with their perks if you know how to manage credit and its facilities.
Do you want to rent an apartment? It would help if you had good credit.
Do you want to buy a house or a car? It would help if you had good credit.
Even if you want to rent a car or pay for a hotel? You need good credit… (just kidding), but you need a credit card.
Let us dive into an in-depth comparison of best credit card deals for September 2022.
Table of Contents
The 7 Best Credit Card Deals For September 2022
1. TD Rewards Visa Card:
Earn a $50 value in TD Rewards Points at Amazon.ca with Shop with Points. Plus, get a 9.99% promotional interest rate on purchases for the first six months with no annual fee. The offer expires by October 29, 2022.
2. CIBC Costco Mastercard:
Have you ever entered Costco and walked out without a long receipt of $250 and above? The beauty of this card is that you can spread your larger purchases over a fixed term with low-interest rates.
- 4.99% for a 6-month installment
- 5.99% for a 12-month installment
- 6.99% for a 24-month installment
The beauty of this card is that it is not only a $0 fee, but you earn and easily manage your Costco reward (gift certificates).
3. Scotiabank Scene Card
Earn 5,000 bonus Scene+ points with your first $750 in everyday purchases in the first three months. Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex theatres or cineplex.com. Earn 1 Scene+ point for every $1 you spend on everyday credit card purchases.
4. RBC Cash Back Mastercard
For the first time, cashback is unlimited (up to 2% and 1% on pre-authorized payments) with no annual fees on the card. Additionally, you can save 3¢/L on fuel and 20% more Petro-Points at Petro-Canada. Plus, a complimentary 3-month DoorDash delivery.
5. TD Aeroplan Visa Infinite Card
Earn up to $1,400 in value, including up to 50,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply online by September 5, 2022.
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card.
- Earn 20,000 Aeroplan points when you spend $1,500 within 90 days of account opening.
- Plus, earn an additional 20,000 Aeroplan points when you spend $7,500 within 12 months of account opening.
- Enroll for NEXUS and once every 48 months, get an application fee rebate4, and share free first checked bags
- Plus, get an annual fee rebate for the first year
To receive the first-year annual fee rebate, you must activate your card and make your first purchase on the Account within the first three months after account opening, and you must add your Additional Cardholders by September 6, 2022.
Annual fees: $139
Eligibility Requirements: $60,000 annual personal income or $100,000 annual household income.
You are a Canadian resident of the age of majority in your province/territory of residence.
6. Scotia Momentum® Visa Infinite Card
With Scotia Momentum Visa Infinite Card, you will earn up to 45,000 bonus Scene+™ points in your first year (that’s up to $450 towards travel). You will also earn:
- 5X Scene+ points for every $1 spent on eligible grocery stores, restaurants, fast food, and drinking establishments, including popular food delivery and food subscriptions.
- 3X Scene+ points for every $1 spent on eligible gas and daily transit, including rideshare, buses, taxis, subway, and more.
- 1X Scene+ point for every $1 spent on every other purchase.
You will not pay 2.5% foreign transaction fees on foreign currency purchases, including online shopping and travel abroad.
Annual fee: $120
7. WestJet RBC World Elite Mastercard
Not my favourite card, though, because I am not a fan of WestJet due to her geographical coverage of travel destinations. However, the perks of the RBC WestJet Mastercard cannot be overlooked.
- 450 welcome WestJet dollars (with a minimum spend).
- Buy One, Bring One with a Companion voucher – every year – starting from $119 CAD (plus taxes and fees). Get an annual round-trip companion voucher for any WestJet destination.
- travel within Canada or to the continental U.S., from $119
- travel to Hawaii or Mexico from $399
- travel to the rest of the WestJet network for $399
- No blackout periods and your WestJet dollars don’t expire.
- 1.5% back in WestJet dollars on everyday purchases.
- 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card.
Overview of the Best No-Fee Credit Card Deals For 2022
| Card Type | Annual Fee | Deal Summary | Link | |
| TD | Rewards Visa Card | $0 | Earn a $50 value in TD Rewards Points to use at Amazon.ca. Also, a 9.99% promotional interest rate on purchases for the first 6 months. | Read more |
| Scotiabank | Scene Visa Card | $0 | Earn 5,000 bonus Scene points with your first $750 in everyday purchases in the first 3 months. | Read more |
| RBC | Cash Back Mastercard | $0 | Up to 2% cash back on grocery store purchases. Up to 1% cash back on all other qualifying purchases and pre-authorized payments. Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada. | Read more |
| CIBC | CIBC Costco Mastercard | $0 | Earn up to 3% cash back2 everywhere Mastercard is accepted. Exclusively for Costco members. It is a great win because you save a ton of money buying fuel at Costco’s Kirkland gas stations | Read more |
Overview of the Best Fee-Paying Credit Card Deals For 2022
| Card Type | Annual Fee | Deal Summary | Link | |
| TD | Visa Infinite Aeroplan Card | $139 | Earn up to $1,400 in value including up to 50,000 Aeroplan points. No annual fee for the first year and additional travel benefits. | Read more |
| Scotiabank | Scotia Momentum Visa Infinite Card | $120 | Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. | Read more |
| Scotiabank | Scotiabank Gold American Express Card | $120 | Earn up to 45,000 bonus Scene points in your first year (that’s up to $450 towards travel) | Read more |
| RBC | WestJet RBC World Elite Mastercard | $119 | $450 welcome WestJet dollars; annual companion pass. 1.5% back in WestJet dollars on everyday purchases; 2% back in WestJet dollars on WestJet flights or WestJet Vacations. | Read more |
Conclusion
Above are the best credit card deals for September 2022. We have a free balance transfer on all credit cards with a 0% interest rate for an introductory period, typically six months. You may want to refer to this article to guide you from burning your finances or losing money unnoticed.
Until another time, you may want to browse our Credit Card Archive to learn more about other credit cards in Canada.
