What changed.

Offer change

BMO Ascend World Elite Mastercard

Was: Up to 100,000 BMO Rewards points (45,000 on $5K/110 days + 20,000 on $10K/180 days + 35,000 on $20K/12 mo), plus first-year fee waived; offer window to October 31, 2026 ($670)

Now: Up to 115,000 BMO Rewards points (60,000 on $5K/110 days + 20,000 on $10K/180 days + 35,000 anniversary on $20K/12 mo), plus first-year fee waived; apply by December 7, 2026 ($770)

Offer change

RBC Cash Back Mastercard

Was: Up to 7% cash back for the first 3 months on up to $1,000 in purchases; apply by September 30, 2026 ($65)

Now: 5% extra cash back on your first $2,000 of purchases in the first 6 months, on top of the standard rates (up to $100); apply by February 2, 2027 ($100)

Offer change

RBC Cash Back Preferred World Elite Mastercard

Was: 12% cash back for the first 3 months on up to $2,000 in purchases; apply by September 30, 2026 ($210)

Now: 15% extra cash back on your first $2,000 of purchases in the first 3 months, on top of the standard rates (up to $300); apply by February 2, 2027 ($300)

Offer change

Tangerine Rewards World Elite Mastercard

Was: 30,000 Scene+ points on $3,000 spend in the first 90 days; apply by October 30, 2026 ($300)

Now: 50,000 Scene+ points on $5,000 spend in the first 90 days; apply by January 31, 2027 ($500)

Offer change

CIBC Aventura Visa Infinite

Was: Up to 35,000 Aventura points (15,000 on first purchase + 20,000 on $3K/4 mo) ($438)

Now: Up to 60,000 Aventura points (15,000 on first purchase + 30,000 on $3K/4 mo + 15,000 on $5K/4 mo) ($750)

Offer change

Amex Marriott Bonvoy Card

Was: Up to 110,000 Bonvoy points (80,000 on $6K/6 mo + 30,000 on a purchase in month 15); offer ends September 22, 2026 ($990)

Now: Up to 70,000 Bonvoy points (60,000 on $3K/3 mo + 10,000 on $500 spend in month 13) ($630)

Offer change

PC Financial World Elite Mastercard

Was: 20,000 PC Optimum points (worth $20) on $50 spend at participating Loblaw banners, Shoppers Drug Mart/Pharmaprix, or Esso/Mobil within 60 days; offer valid for applications through December 31, 2026. Corrected from a prior overstated 45,000-point/$450 figure. ($20)

Now: 50,000 PC Optimum points (worth $50) when you spend $100 or more at participating stores within 60 days; offer valid for applications through December 31, 2026. ($50)

Offer change

Amex Marriott Bonvoy Card

Was: Up to 70,000 Bonvoy points (60,000 on $3K/3 mo + 10,000 on $500 in month 13) ($630)

Now: Up to 110,000 Bonvoy points (80,000 on $6K/6 mo + 30,000 on a purchase in month 15); offer ends September 22, 2026 ($990)

Offer change

Cathay World Elite Mastercard

Was: Up to 60,000 Asia Miles (35,000 on approval + 25,000 on $5,000 in 3 months) ($900)

Now: Up to 35,000 Asia Miles (15,000 after activation and first purchase + 20,000 on $5,000 in 3 months) ($525)

Offer change

TD Aeroplan Visa Infinite

Was: Up to 40,000 Aeroplan points (10,000 on first purchase + 15,000 on $3K/90 days + 15,000 anniversary on $12K/12 mo), plus a first-year fee rebate ($760)

Now: Up to 50,000 Aeroplan points (10,000 on first purchase + 15,000 on $3K/90 days + 25,000 anniversary on $12K/12 mo), plus a first-year fee rebate ($950)

Offer change

TD Aeroplan Visa Infinite Privilege

Was: Up to 85,000 Aeroplan points (20,000 on first purchase + 35,000 on $12K/6 mo + 30,000 anniversary on $24K/12 mo) ($1,615)

Now: Up to 100,000 Aeroplan points (20,000 on first purchase + 30,000 on $12K/6 mo + 50,000 anniversary on $24K/12 mo) ($1,900)

Offer change

TD First Class Travel Visa Infinite

Was: Up to 146,000 TD Rewards points (20,000 on first purchase + 126,000 on $7.5K/180 days), plus a first-year fee rebate ($730)

Now: Up to 160,000 TD Rewards points (20,000 on first purchase + 140,000 on $7.5K/180 days), plus a first-year fee rebate ($800)

Offer change

TD Rewards Visa Card

Was: 30,310 TD Rewards points on $1,500 in purchases within the first 90 days ($150)

Now: 15,152 TD Rewards points on $500 in purchases within the first 90 days ($76)

Valuation re-mark

Point valuations were re-marked against current award pricing, updating the estimated welcome-offer value on 1 card (BMO CashBack Mastercard). The offers themselves didn’t change: our estimate of what the points are worth did. See the Point Valuation Index for the current marks and their basis.

Offer change

RBC British Airways Visa Infinite

Was: Up to 60,000 Avios (30,000 on $5K/3 mo + 30,000 on $5K/6 mo); offer ends September 9, 2026 ($960)

Now: 50,000 Avios on $6,000 spend in the first 3 months ($800)

Offer change

RBC Avion Visa Infinite

Was: Up to 55,000 Avion points (35,000 on approval + 20,000 on $5K/6 mo) ($880)

Now: Up to 70,000 Avion points (35,000 on approval + 20,000 on $5K/6 mo + 15,000 at anniversary); offer ends November 25, 2026 ($1,120)

Offer change

RBC Avion Visa Infinite Privilege

Was: Up to 70,000 Avion points (35,000 on approval + 20,000 on $5K/6 mo + 15,000 at anniversary) ($1,120)

Now: Up to 100,000 Avion points (35,000 on approval + 20,000 on $5K/6 mo + 45,000 at anniversary); offer ends November 25, 2026 ($1,600)

Offer change

Scotiabank Passport Visa Infinite +

Was: Up to 60,000 Scene+ points (40,000 on $2K/3 mo + 10,000 on $10K/6 mo + 10,000 annual on $40K), plus the $50 fee waived on your first supplementary card; offer ends August 3, 2026 ($600)

Now: Up to 35,000 Scene+ points (25,000 on $2K/3 mo + 10,000 annual on $40K), plus the $50 fee waived on your first supplementary card; offer ends November 1, 2026 ($350)

Offer change

Amex Aeroplan Reserve Card

Was: Up to 150,000 Aeroplan points (70,000 on $7.5K/3 mo + 40,000 on $45K in the first year + 40,000 in months 15-17); this offer has ended; we are re-verifying what replaced it ($2,850)

Now: Up to 85,000 Aeroplan points (60,000 on $7.5K/3 mo + 25,000 on $2.5K in month 13) ($1,615)

Offer change

Amex Platinum Card (Canada)

Was: Up to 170,000 MR points (90,000 on $10K/3 mo + 40,000 on $45K/12 mo + 40,000 in months 15-17); this offer has ended; we are re-verifying what replaced it ($3,230)

Now: Up to 100,000 MR points (70,000 on $10K/3 mo + 30,000 on a purchase in months 15-17) ($1,900)

Valuation re-mark

Point valuations were re-marked against current award pricing, updating the estimated welcome-offer value on 12 cards (American Express Green Card, Amex Aeroplan Card, Amex Aeroplan Reserve Card, Amex Business Platinum Card, Amex Cobalt Card, Amex Gold Rewards Card, Amex Platinum Card (Canada), CIBC Aeroplan Visa Card, RBC British Airways Visa Infinite, TD Aeroplan Visa Infinite, TD Aeroplan Visa Infinite Privilege, TD Aeroplan Visa Platinum Card). The offers themselves didn’t change: our estimate of what the points are worth did. See the Point Valuation Index for the current marks and their basis.