October and November are crunch time for those who want a head start on a rewarding new year. Why? Some of the best credit card promotions around will end during these months, just as the holiday season gets into swing.
October 18th, 2017
On October 18th, one of the most popular promotions among travelers ends, courtesy of the Starwood Preferred Guest (SPG) card from American Express. The SPG gives new customers a generous 25,000 points—equivalent to 5 free hotel nights—for signing up, as long as at least $1,500 is spent on the card during the first three months of membership. Shouldn’t be a problem given the holidays.
October 31st, 2017
The Scotia Momentum Visa Infinite card is great for those who love getting cash back for whatever they purchase: 4% on gas and groceries, 2% at pharmacies and on recurring bills, and 1% everywhere else. Though the card’s cash back structure is well worth its annual fee of $99, those who sign up by the end of October are exempted from the charge during their first year.
Scotiabank has another card promotion ending soon as well. Their Gold American Express card is our most recommended for travellers who need flexibility when it comes to how they accrue rewards points and eventually spend them. Like the Visa above, new members who sign up before November will have the first year’s fee waived and earn 30,000 points as well, just for spending $750 in the first three months.
BMO has two cards with excellent promotions that also end at the close of October. The BMO AIR MILES World Elite is temporarily offering a slew of high-value benefits to new cardholders, including 3,000 bonus air miles, a free companion flight, and a waiver for the first year’s annual fee ($120).
BMO’s Sobeys AIR MILES card has a different deal, that gives members who sign up in time an advanced rate of earning. For the first three months, these cardholders will garner 3x the regular rate of air miles. The card also grants 500 bonus miles with your first purchase, and has no annual fee (though the latter two are permanent perks, not time-limited).
November 30th, 2017
Lastly, cardholders who act before the end of November will earn BMO’s bonus offering on the BMO World Elite Mastercard. Currently, new members receive a $150 annual fee waiver for their first year, and will also enjoy the card’s default bonuses, like 20,000 rewards points and VIP airport lounge access.
Help Yourself to Holiday Savings
Bargain-hunting cardholders should take advantage of these deals before they expire. Many of these valuable promotions boost short-term savings significantly, making gift shopping and holiday preparations that much more manageable.