Tutorials Credit card welcome offers: when will I receive my points?

To the point Here are the earning details for credit card sign-up bonuses in Canada. When will my points appear in my account?

Earning the welcome bonus American Express Aeroplan sign-up bonus warning

This question is asked almost every day in the Milesopedia community Facebook group. The following is a list of the sign-up bonus requirements for the major credit cards in Canada.

Earning the welcome bonus

Each credit card issuer has specific rules that vary for each of their cards!

When a credit card is linked to a program (Marriott Bonvoy, Aeroplan, etc.), the bonus will be credited directly into the loyalty program account a few days AFTER the monthly statement is issued.

The minimum spending requirement and the number of points are constantly changing. It is therefore advisable to refer to the relevant credit card page for current terms and conditions.

Please note that the deadline for obtaining the sign-up bonus begins on the card’s APPROVAL date. Check the offer conditions very carefully, as they may specify a maximum duration of a few months or may depend on the number of statements.

Sample calculation: approval on June 30 with an offer spread over three months gives you until September 30 to meet the required conditions.

Here are some rules for awarding the sign-up bonus for the best-known cards:

Card	Program	Allocation	Details
BMO^® AIR MILES^® Mastercard^®*	AIR MILES	Statement	In 1 installment after the minimum amount required
BMO AIR MILES^®† World Elite^®* Business Mastercard^®*	AIR MILES	Statement	In 1 installment after the minimum amount required
BMO^® AIR MILES^® World Elite^®* Mastercard^®*	AIR MILES	Statement	In 1 installment after the minimum amount required
CIBC Aventura^® Visa Infinite* Card	Aventura	Statement	In 2 times : on 1st purchase and after the minimum amount required. Following the generic email from CIBC mentioning 15,000 points after the first purchase, you will see the additional 5,000 points from the exclusive Milesopedia offer on your first statement if you used our link.
CIBC Aventura^® Gold Visa* Card	Aventura	Statement	In 2 times : on 1st purchase and after the minimum amount required. Following the generic email from CIBC mentioning 15,000 points after the first purchase, you will see the additional 5,000 points from the exclusive Milesopedia offer on your first statement if you used our link.
RBC British Airways Visa Infinite Card	Avios	Statement	In 3 instalments: upon joining, after the minimum amount required and after renewal
RBC Avion Visa Infinite Card	Avion	Statement	In 1 instalment: upon joining
RBC Avion Visa Infinite Business Card	Avion	Statement	In 1 instalment: upon joining
WestJet RBC World Elite MasterCard	WestJet Dollars	Statement	In 1 installment after the minimum amount required
RBC Cathay Pacific Visa Platinum card	Asia Miles	Statement	In 1 instalment: upon joining
American Express^® Aeroplan^®* Card	Aeroplan	Statement	In 7 instalments: after the minimum amount required + each billing period (6) in which you reach the minimum amount required
American Express^®* Aeroplan^® Reserve Card	Aeroplan	Statement	In 8 instalments: after the minimum required amount and during the 14th and 17th months + each billing period (6) in which you reach the minimum required amount
American Express^® Aeroplan^®* Business Reserve Card	Aeroplan	Statement	In 8 instalments: after the minimum required amount and during the 14th and 17th months + each billing period (6) in which you reach the minimum required amount
TD^® Aeroplan^® Visa Platinum* Card	Aeroplan	Statement	In 2 instalments: at the 1st purchase and after the minimum amount required
TD^® Aeroplan^® Visa Infinite* Card	Aeroplan	Statement	In 3 instalments: at 1st purchase, after the minimum purchase amount and after the minimum purchase amount following renewal
TD^® Aeroplan^® Visa Infinite Privilege* Credit Card	Aeroplan	Statement	In 3 instalments: at 1st purchase, after the minimum purchase amount and after the minimum purchase amount following renewal
BMO Rewards^® World Elite^®* Business Mastercard^®*	BMO Rewards	2 to 3 business days after the required amount is reached	In 1 installment after the minimum amount required
BMO Ascend World Elite Mastercard	BMO Rewards	2 to 3 business days after the required amount is reached	In 1 installment after the minimum amount required
BMO eclipse Visa Infinite* Card	BMO Rewards	2 to 3 business days after the required amount is reached	In 1 installment after the minimum amount required
BMO eclipse Visa Infinite Privilege* Card	BMO Rewards	2 to 3 business days after the required amount is reached	In 1 installment after the minimum amount required
National Bank World Elite^{^®} Mastercard^{^®}	NBC À la carte Rewards	Statement	Within 2 months of reaching each minimum purchase requirement
Marriott Bonvoy^® American Express^®* Card	Marriott Bonvoy	Statement	In 2 instalments: after the minimum amount required and during the 14th and 17th months
Marriott Bonvoy^® Business American Express^®* Card	Marriott Bonvoy	Statement	In 2 instalments: after the minimum amount required and during the 14th and 17th months
TD First Class Travel^® Visa Infinite* Card	TD Rewards Points	Statement	Once the minimum amount has been reached
Scotiabank Passport™ Visa Infinite* Card	Scene+ points	Statement	In 2 instalments: after the minimum amount required, after the minimum amount required following renewal
Scotiabank Platinum American Express^® Card	Scene+ points	Statement	In 2 instalments: after the minimum amount required, after the minimum amount required following the 14th month
Scotiabank Gold American Express^® Card	Scene+ points	Statement	In 2 instalments: after the minimum amounts required
Scotiabank American Express^® Card	Scene+ points	Statement	In 2 instalments: after the minimum amounts required
Scotiabank^® Scene+™ Visa* Card	Scene+ points	Statement	In 1 installment after the minimum amount required
American Express^® Business Gold Rewards Card^®	Membership Rewards	24-48 hours after minimum amount required*.	In 5 instalments: after the minimum amount required + each calendar quarter (4) in which you reach the minimum amount required
Business Platinum Card^® from American Express	Membership Rewards	24-48 hours after minimum amount required*.	In 1 installment after the minimum amount required
American Express Platinum Card^®	Membership Rewards	24-48 hours after minimum amount required*.	In 1 installment after the minimum amount required
American Express^® Gold Rewards Card	Membership Rewards	24-48 hours after minimum amount required*.	In 12 instalments: after the minimum amount required on each statement
American Express Cobalt^® Card	Membership Rewards	24-48h after minimum amount required	In 12 instalments: after the minimum amount required on each statement
Scotia Momentum^® Mastercard^®	Cashback	Statement	In 2 instalments: 7 months after opening and in November
CIBC Dividend^® Visa Infinite* Card	Cashback	24-48 hours after purchase	On all eligible purchases on each statement during the offer period
BMO^® CashBack^® World Elite^®* Mastercard^®*	Cashback	24-48 hours after purchase	On all eligible purchases on each statement during the offer period
TD Cash Back Visa Infinite* Card	Cashback	24-48 hours after purchase	On all eligible purchases on each statement during the offer period
Tangerine World Mastercard	Cashback	Statement	On all eligible purchases on each statement during the offer period

American Express

A few notes about American Express sign-up bonuses, which account for most card applications.

American Express Membership Rewards Cards

Generally, points are deposited directly into the Membership Rewards account 24-48 hours after reaching the requested amount.

In rare cases, it can take up to 8 weeks after reaching the minimum amount requested to receive the points.

Marriott Bonvoy cards

Generally, points are deposited into the Marriott Bonvoy account between 3 and 5 days AFTER the monthly statement is issued on which the minimum spend will be recorded.

In rare cases, you have to wait for up to 3 statements after reaching the minimum amount required to receive the points from the sign-up bonus. According to many feedbacks, this happens especially when we only have Marriott establishments expenses on our credit card statement.

Aeroplan Cards

Generally, points are deposited into the Aeroplan account between 3 and 5 days AFTER the monthly statement is issued, on which the minimum spend is recorded.

In rare cases, you may have to wait up to 3 statements after reaching the minimum amount requested to receive the points.

Aeroplan sign-up bonus warning

The Aeroplan program has updated its terms and conditions of use, to clarify certain points and prevent abuse, mainly related to Aeroplan credit card churning (multiplication of credit card sign-up bonuses).

We therefore advise you to read the following article in order to comply with the program rules and to learn about the various ways of maintaining a constant flow of Aeroplan points without contravening the terms and conditions.