5 Limited-Time Credit Card Offers About to Expire in Canada!

Some of the best credit card offers in Canada aren’t meant to last forever — and right now, several elevated welcome bonuses are quietly set to disappear.

Over the next few weeks, five popular credit cards will see their current promotional offers expire. That means smaller welcome bonuses, fewer perks, or missed opportunities to earn hundreds (sometimes over a thousand) dollars in travel value if you wait too long.

In this post, I’ll walk you through five credit cards with limited-time offers that expire by January 1, 2026, what makes each one compelling, and who they’re actually worth it for — so you can decide whether it makes sense to apply before the clock runs out.

Note: The referral links mentioned in this blog post help support Canadian Jetsetter at no extra cost to you. Thank you for your support!

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1. BMO^® Ascend World Elite^®*Business Mastercard^®*

The following promotion ends December 13th, 2025.

Welcome bonus + other perks: Up to 100,000 BMO Rewards Points + $149 CAD annual fee is waived in the first year.

• $135 in value (20,000 BMO Rewards Points) when you make your first purchase*
• Up to $535 in value (8,000 BMO Rewards Points from months 3-12) when you spend $3,000 each month*
• $701 in value from your premium benefits*
• 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass, with two annual complimentary passes*
• Get up to 7 cents off per litre on all Shell^®± fuel*

Estimated first-year value: Up to $699 CAD in value in the first year.

Earning rates:

• Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
• Earn 1.5 BMO Rewards points for every $1 you spend*

Income requirement: Minimum $80,000 CAD household income, $150,000 CAD household income, or $250,000 business revenue.

Best for:
Business owners and business professionals who travel for work.

Ready to learn more? Click here to access the credit card page.

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2. BMO eclipse Visa Infinite* Card

The following promotion ends December 31st, 2025.

Welcome bonus + other perks: Up to 80,000 BMO Rewards Points + $120 CAD annual fee is waived in the first year.

• That’s 32,000 points when you spend $3,000 in the first 3 months, and 4,000 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.
• Get a $50 Anniversary Lifestyle Credit to spend however you want*
• Earn 10% more points when you add an authorized user to your account*
• Mobile Device Insurance that covers you for up to $1,000*
• Pay with Points by browsing your recent transactions and redeem your Points for as little as $1*

Estimated first-year value: Up to $699 CAD in value in the first year.

Earning rates:

• Earn 5x BMO Rewards points on groceries, dining, gas and transit*
• Earn 1 BMO Reward for every $1 spent on everything else*

Income requirement: Minimum $60,000 CAD household income, $100,000 CAD household income.

Best for:
Working professionals.

Ready to learn more? Click here to access the credit card page.

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3. Scotiabank^® Gold American Express^® Card

The following promotion ends January 1st, 2026.

Welcome bonus + other perks: Up to 50,000 Scene+ Points + $120 CAD annual fee is waived in the first year.

• You will not pay 2.5% in transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage

Estimated first-year value: Up to $1,050 CAD in value in the first year.

Earning rates:

• Earn 6x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
• Earn 5x Scene+ points for every $1 you spend on restaurant, 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 on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores. 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+ points¹ 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.

Income requirement: Extremely low – minimum $12,000 CAD personal/household income.

Best for:
Students, young professionals, and anyone who wants a strong points card without a high income requirement.

Ready to learn more? Click here to access the credit card page.

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4. Scotiabank^®* Platinum American Express^® Card

The following promotion ends January 1st, 2026.

Welcome bonus + other perks: Up to 80,000 Scene+ Points.

• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• Enjoy 10 free airport lounge visits per year.
• Be a Hertz #1 Club Gold member

Estimated first-year value: Up to $2,500 CAD in value in the first year.

Earning rates:

• Earn 2X the Scene+ points for every $1 in eligible purchases at grocery stores, restaurants, and entertainment.
• Earn 2X the Scene+ points for every $1 of eligible gas and public transit purchases. Includes bus, metro, taxis, ridesharing and more. 
• Earn 2X Scene+ points for every $1 spent on all your other 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

Income requirement: Minimum $12,000 CAD personal/household income.

Best for:
Business professionals who travel frequently and who want a strong points card without a high income requirement, while being comfortable with a $399 CAD annual fee.

Ready to learn more? Click here to access the credit card page

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5. Scotiabank Passport™ Visa Infinite* Card

The following promotion ends January 1st, 2026.

Welcome bonus + other perks: Up to 45,000 Scene+ Points.

• No Foreign Transaction Fee
• 6 Complimentary Airport Lounge Access
• Comprehensive Travel Insurance coverage
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country Program

Estimated first-year value: Up to $1,350 CAD in value in the first year.

Earning rates:

• 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

Income requirement: Minimum $60,000 CAD personal or $100,000 CAD household income.

Best for:
Business professionals who travel frequently.

Ready to learn more? Click here to access the credit card page

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Critical Warnings Every Canadian Should Know

Before jumping into any of these cards, a few rules matter:

• Never carry a balance just to earn points
• Set calendar reminders before the second-year fee posts
• Only apply for cards where you can naturally hit the minimum spend
• Use your points — don’t hoard them while programs quietly devalue

These cards are tools, not traps — but only if used correctly.

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Final Thoughts

Limited-time credit card offers come and go, but the smartest travel strategies are built around timing. When elevated bonuses are ending, that’s often the moment real value is created — not through spending more, but by choosing the right card at the right time.

Not every card on this list will make sense for every traveller, and that’s perfectly fine. The goal isn’t to collect cards — it’s to align the right offer with your real-world spending, travel goals, and financial comfort.

If one of these cards was already on your radar, the upcoming January 1, 2026 deadlines make this a good moment to act. If not, there will always be another opportunity ahead — and being aware of these expiring offers puts you one step ahead the next time they appear.

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The referral links mentioned in this blog post help support Canadian Jetsetter at no extra cost to you. Thank you for your support!