January 2025: Don’t Miss Out on These Amazing Credit Card Offers Before They Expire!

Q: Why are some credit card welcome offers limited-time?

Issuers like American Express, TD, RBC, and CIBC run seasonal welcome offers to drive new account openings during high-spending windows like January, back-to-school, and the holidays. The offers featured in this article — including up to 100,000 Membership Rewards points on the American Express Platinum Card® and up to 120,000 points on the Business Platinum Card® from American Express — are typically valid for only a few weeks. Once the public offer reverts to baseline, you can leave 30,000 to 50,000 points on the table simply by waiting.

Q: What is on the table with the American Express Platinum Card® in this round?

The featured offer earns up to 100,000 Membership Rewards points:- 70,000 points after $10,000 in purchases in the first 3 months; - 30,000 points for purchases between months 15 and 17; You also get 2 points per $1 on dining and travel, a $200 annual travel credit, a $200 annual dining credit, a $100 NEXUS rebate, lounge access at 1,400+ airport lounges, and Hilton/Marriott elite status. Use Milesopedia’s bonus tracker to keep tabs on the active offer before applying.

Q: Should I rush to apply before an offer expires?

Only if you can realistically meet the spending requirement without inflating your budget. The Business Platinum Card® from American Express asks for $15,000 in purchases in 3 months for the first 80,000 points; that’s about $5,000/month. If you have a tax instalment, a major renovation, or a quarterly insurance payment lined up, the timing makes sense. Otherwise, wait for the next equivalent offer — Amex typically refreshes welcome bonuses every 3 to 6 months.

Q: How do I track which offers are about to expire?

Three habits keep you ahead of expiry windows:- Subscribe to Milesopedia’s weekly newsletter — expiring offers are flagged at the top of each issue; - Bookmark the Best Welcome Bonus Offers page and check it once a week; - Join the milesopedia Facebook group, where members crowd-source which offers are on a deadline; That way, you only apply when the public offer is at its peak, not when it’s about to drop back to its baseline level.

Credit Cards January 2025: Don’t Miss Out on These Amazing Credit Card Offers Before They Expire!

To the point This is the last reminder before these welcome offers for these credit card disappear. Take advantage!

Here’s a list of credit card offers with attractive bonuses, but unfortunately they are ending soon. We strongly recommend you get them before it’s too late (if you know what we mean…).

These welcome offers are unlikely to return by the second half of 2025. Now is the time to seize the opportunity!

American Express Platinum Card^®

The Platinum Card^® is the best Premium Card in Canada for travellers.

With this welcome offer, you can earn up to 100,000 Membership Rewards points:

70,000 points when you charge $10,000 in net purchases to your Card in the first 3 months after joining;
30,000 points if you make a purchase between 15 to 17 months after signing up.

With this Card, you get:

2 points per dollar for dining purchases
2 points per dollar on travel purchases
1 point per dollar for other purchases

You can use your Membership Rewards points in many ways:

Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta Skymiles, etc.
Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
Redeem points for statement credits towards other purchases (1,000 points = $10)
And more!

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

100,000 Aeroplan points
100,000 Avios
100,000 Flying Blue Miles
120,000 Marriott Bonvoy points

With this card, you also have advantages for your travels:

$200 Annual Travel Credit
An annual meal credit of $200
$100 NEXUS Card Statement Credit
Complimentary access for you and one additional guest to over 1,400 airport lounges in more than 130 countries
Hilton Honors Gold Elite status (complimentary breakfast at all Hilton hotels)
Marriott Bonvoy Gold Elite status
Access to the Fine Hotels and Resorts program

Last but not least, the Platinum Card^® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Business Platinum Card^® from American Express

Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:

80,000 Membership Rewards points for $15,000 net purchases within the first 3 months of membership
40,000 additional points if you make a purchase between the 15th and 17th month after enrollment

You can use your Membership Rewards points in many ways:

Transfer your points to airline partners: Aeroplan Avios (British Airways, Qatar Airways, Finnair, Iberia), Flying Blue, Delta Skymiles, etc.
Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
Redeem your points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
And more!

120,000 points have a minimum value of $1,200 for a Statement credit, and much more if you transfer your points to a partner.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

120,000 Aeroplan points
120,000 Avios
120,000 Flying Blue Miles
144,000 Marriott Bonvoy points

With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. What’s more, you’ll enjoy a host of travel and business benefits:

Complimentary access for you and one additional guest to over 1,400 airport lounges in over 130 countries
$200 Annual travel credit
$100 Card Statement Credit for Nexus
Marriott Bonvoy Gold Elite status
Hilton Honors Gold Elite status
Access to the Fine Hotels and Resorts program
Up to $120 in eligible Wireless Credits each year

With this Card you can maximize your cash flow with up to 55 interest free days. It is a card that is particularly appreciated by contractors when making large purchases in home improvement stores, for example.

Last but not least, Business Platinum Card^® from American Express offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Bottom Line

To make sure you don’t miss out on the opportunities they offer, take an hour today to check your wallet and sign up for one of these credit cards!

If these offers don’t interest you, check out these First-Year Free credit card offers.

Frequently Asked Questions about expiring credit card welcome offers

Here are frequently asked questions in the milesopedia community about this card.

Why are some credit card welcome offers limited-time?

Issuers like American Express, TD, RBC, and CIBC run seasonal welcome offers to drive new account openings during high-spending windows like January, back-to-school, and the holidays. The offers featured in this article — including up to 100,000 Membership Rewards points on the American Express Platinum Card^{^®} and up to 120,000 points on the Business Platinum Card^{^®} from American Express — are typically valid for only a few weeks. Once the public offer reverts to baseline, you can leave 30,000 to 50,000 points on the table simply by waiting.

What is on the table with the American Express Platinum Card^{^®} in this round?

The featured offer earns up to 100,000 Membership Rewards points:

70,000 points after $10,000 in purchases in the first 3 months
30,000 points for purchases between months 15 and 17

You also get 2 points per $1 on dining and travel, a $200 annual travel credit, a $200 annual dining credit, a $100 NEXUS rebate, lounge access at 1,400+ airport lounges, and Hilton/Marriott elite status. Use Milesopedia’s bonus tracker to keep tabs on the active offer before applying.

Should I rush to apply before an offer expires?

Only if you can realistically meet the spending requirement without inflating your budget. The Business Platinum Card^{^®} from American Express asks for $15,000 in purchases in 3 months for the first 80,000 points; that’s about $5,000/month. If you have a tax instalment, a major renovation, or a quarterly insurance payment lined up, the timing makes sense. Otherwise, wait for the next equivalent offer — Amex typically refreshes welcome bonuses every 3 to 6 months.

How do I track which offers are about to expire?

Three habits keep you ahead of expiry windows:

Subscribe to Milesopedia’s weekly newsletter — expiring offers are flagged at the top of each issue
Bookmark the Best Welcome Bonus Offers page and check it once a week
Join the milesopedia Facebook group, where members crowd-source which offers are on a deadline

That way, you only apply when the public offer is at its peak, not when it’s about to drop back to its baseline level.

Come to discuss that topic in our Facebook Group!

Caroline Tremblay

Caroline, a loyalty program specialist, helps families maximize their points to travel more frequently and affordably. With expertise in Disney, AIR MILES, and Costco, she travels the world with her partner and two children through rewards. Passionate about the latest in loyalty programs, Caroline shares tips to help you earn more points and turn your travel dreams into reality.

All posts by Caroline Tremblay

Bottom Line

Frequently Asked Questions about expiring credit card welcome offers

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