{"id":6751,"date":"2026-04-19T16:12:58","date_gmt":"2026-04-19T20:12:58","guid":{"rendered":"https:\/\/milesopedia.com\/quand-verrais-je-apparaitre-mon-bonus-de-souscription\/"},"modified":"2026-05-01T02:53:01","modified_gmt":"2026-05-01T06:53:01","slug":"attribution-bonus-souscription","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/attribution-bonus-souscription\/","title":{"rendered":"Primes de bienvenue des cartes de cr\u00e9dit&nbsp;: quand vais-je recevoir mes points?"},"content":{"rendered":"\n<p>Cette question est pos\u00e9e quasiment chaque jour sur le groupe Facebook <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">de la communaut\u00e9 de Milesopedia<\/a>. Voici une liste des conditions d&#8217;attribution des bonus de souscription des principales <a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/\">cartes de cr\u00e9dit au Canada<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-attribution-du-bonus-de-souscription\">L&#8217;attribution du bonus de souscription<\/h2>\n\n\n\n<p>Chaque \u00e9metteur de cartes de cr\u00e9dit a des r\u00e8gles sp\u00e9cifiques qui varient en fonction de chacune.<\/p>\n\n\n\n<p>La plupart du temps, lorsqu&#8217;une carte de cr\u00e9dit est reli\u00e9e \u00e0 un programme (<a href=\"https:\/\/milesopedia.com\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy<\/a>, <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/aeroplan\/\">A\u00e9roplan<\/a>, etc.), le bonus est vers\u00e9 directement dans le compte du programme de fid\u00e9lit\u00e9 quelques jours APR\u00c8S l&#8217;\u00e9mission du relev\u00e9 mensuel.<\/p>\n\n\n\n<p>Le montant minimum de d\u00e9penses requises et le nombre de points changent constamment. Il est conseill\u00e9 de se r\u00e9f\u00e9rer \u00e0 la page de la carte de cr\u00e9dit en question pour conna\u00eetre les modalit\u00e9s en cours.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\t\u00c0 noter\t\t\t<\/span>\n\t\t\t\t\n\n<p>Le d\u00e9lai pour obtenir l&#8217;offre de bienvenue d\u00e9bute \u00e0 la date d&#8217;APPROBATION de la carte. V\u00e9rifiez tr\u00e8s attentivement les conditions de l&#8217;offre, car elles peuvent demander une dur\u00e9e maximale de quelques mois ou \u00eatre fix\u00e9es selon le nombre de relev\u00e9s.<\/p>\n\n\n\n<p>Exemple de calcul&nbsp;: une approbation le <strong>30 juin<\/strong> avec une offre \u00e9tal\u00e9e sur trois mois vous donne jusqu&#8217;au <strong>30 septembre<\/strong> pour remplir les conditions requises.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"114659\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Voici les r\u00e8gles d&#8217;attribution du bonus de souscription pour les cartes les plus connues&nbsp;:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Carte<\/th><th>Programme<\/th><th>Attribution<\/th><th>D\u00e9tails<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/milesopedia.com\/en\/carte-mastercard-bmo-air-miles\/\">Carte Mastercard BMO AIR MILES<\/a><\/td><td>AIR MILES<\/td><td>Relev\u00e9<\/td><td>En 1 fois apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-mastercard-bmo-air-miles-world-elite-entreprise\/\">Carte Mastercard BMO AIR MILES World Elite pour entreprise<\/a><\/td><td>AIR MILES<\/td><td>Relev\u00e9<\/td><td>En 1 fois apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/en\/carte-mastercard-bmo-air-miles-world-elite\/\">Carte Mastercard BMO AIR MILES World Elite<\/a><\/td><td>AIR MILES<\/td><td>Relev\u00e9<\/td><td>En 1 fois apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-aventura-cibc-visa-infinite\/\">Carte Aventura CIBC Visa Infinite<\/a><\/td><td>Aventura<\/td><td>Relev\u00e9<\/td><td>En 2 fois&nbsp;: au 1er achat puis apr\u00e8s le montant minimum requis.<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-aventura-or-cibc-visa\/\">Carte Aventura Or CIBC Visa<\/a><\/td><td>Aventura<\/td><td>Relev\u00e9<\/td><td>En 2 fois&nbsp;: au 1er achat puis apr\u00e8s le montant minimum requis.<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-rbc-british-airways-visa-infinite\/\">Carte RBC British Airways Visa Infinite<\/a><\/td><td>Avios<\/td><td>Relev\u00e9<\/td><td>En 3 fois&nbsp;: \u00e0 l&#8217;adh\u00e9sion, apr\u00e8s le montant minimum requis et apr\u00e8s le renouvellement<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-avion-visa-infinite-rbc\/\">Carte Avion Visa Infinite RBC<\/a><\/td><td>Avion<\/td><td>Relev\u00e9<\/td><td>En 1 fois&nbsp;: \u00e0 l&#8217;adh\u00e9sion<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-avion-visa-infinite-affaires-rbc\/\">Carte Avion Visa Infinite Affaires RBC<\/a><\/td><td>Avion<\/td><td>Relev\u00e9<\/td><td>En 1 fois&nbsp;: \u00e0 l&#8217;adh\u00e9sion<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-westjet-world-elite-mastercard-rbc\/\">Carte WestJet World Elite Mastercard RBC<\/a><\/td><td>Dollars WestJet<\/td><td>Relev\u00e9<\/td><td>En 1 fois apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-aeroplan-american-express\/\">Carte A\u00e9roplan American Express<\/a><\/td><td>A\u00e9roplan<\/td><td>Relev\u00e9<\/td><td>En 2 fois&nbsp;: apr\u00e8s avoir atteint le montant minimum requis et pour la condition du 13e mois<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-prestige-aeroplan-american-express\/\">Carte Prestige A\u00e9roplan American Express<\/a><\/td><td>A\u00e9roplan<\/td><td>Relev\u00e9<\/td><td>En 2 fois&nbsp;: apr\u00e8s le montant minimum requis et au cours des 14e et 17e mois<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-prestige-aeroplan-entreprise-american-express\/\">Carte Prestige A\u00e9roplan Entreprise American Express<\/a><\/td><td>A\u00e9roplan<\/td><td>Relev\u00e9<\/td><td>En 2 fois&nbsp;: apr\u00e8s avoir atteint le montant minimum requis et pour la condition du 13e mois<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-platine-td-aeroplan\/\">Carte Visa Platine TD A\u00e9roplan<\/a><\/td><td>A\u00e9roplan<\/td><td>Relev\u00e9<\/td><td>En 2 fois&nbsp;: au 1er achat puis apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-aeroplan\/\">Carte Visa Infinite TD A\u00e9roplan<\/a><\/td><td>A\u00e9roplan<\/td><td>Relev\u00e9<\/td><td>En 3 fois&nbsp;: au 1er achat, apr\u00e8s le montant minimum requis et apr\u00e8s le montant minimum requis suivant le renouvellement<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-privilege-td-aeroplan\/\">Carte Visa Infinite Privil\u00e8ge TD A\u00e9roplan<\/a><\/td><td>A\u00e9roplan<\/td><td>Relev\u00e9<\/td><td>En 3 fois&nbsp;: au 1er achat, apr\u00e8s le montant minimum requis et apr\u00e8s le montant minimum requis suivant le renouvellement<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-mastercard-bmo-world-elite-entreprise\/\">Carte Mastercard BMO World Elite pour entreprise<\/a><\/td><td>BMO R\u00e9compenses<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>En 1 fois apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-mastercard-bmo-ascend-world-elite\/\">Carte Mastercard BMO Ascend World Elite<\/a><\/td><td>BMO R\u00e9compenses<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>En 1 fois apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-bmo-eclipse-visa-infinite\/\">Carte BMO eclipse Visa Infinite<\/a><\/td><td>BMO R\u00e9compenses<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>En 1 fois apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-bmo-eclipse-visa-infinite-privilege\/\">Carte BMO eclipse Visa Infinite Privilege<\/a><\/td><td>BMO R\u00e9compenses<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>En 1 fois apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">Carte World Elite Mastercard de la Banque Nationale<\/a><\/td><td>BNC R\u00e9compenses \u00c0 la carte<\/td><td>Relev\u00e9<\/td><td>Les points sont vers\u00e9s par tranches selon les d\u00e9penses atteintes dans les 3 premiers mois et les 12 premiers mois suivant l&#8217;adh\u00e9sion. Les points arrivent d&#8217;ici la fin du mois suivant l&#8217;atteinte du palier. Consultez la page de la carte pour les paliers exacts en cours.<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-marriott-bonvoy-american-express\/\">Carte Marriott Bonvoy American Express<\/a><\/td><td>Marriott Bonvoy<\/td><td>Relev\u00e9<\/td><td>En 1 fois&nbsp;: apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-marriott-bonvoy-entreprise-american-express\/\">Carte Marriott Bonvoy Entreprise American Express<\/a><\/td><td>Marriott Bonvoy<\/td><td>Relev\u00e9<\/td><td>En 1 fois&nbsp;: apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-classe-ultime-voyages\/\">Carte Visa Infinite TD Classe ultime Voyages<\/a><\/td><td>Points Primes TD<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>Apr\u00e8s le montant minimum requis atteint<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-passeport-banque-scotia\/\">Carte Visa Infinite Passeport + Banque Scotia<\/a><\/td><td>Points Sc\u00e8ne+<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>En 2 fois&nbsp;: apr\u00e8s les montants minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-american-express-platine-banque-scotia\/\">Carte American Express Platine de la Banque Scotia<\/a><\/td><td>Points Sc\u00e8ne+<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>En 2 fois&nbsp;: apr\u00e8s les montants minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-american-express-or-banque-scotia\/\">Carte American Express Or de la Banque Scotia<\/a><\/td><td>Points Sc\u00e8ne+<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>En 2 fois&nbsp;: apr\u00e8s les montants minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-american-express-banque-scotia\/\">Carte American Express de la Banque Scotia<\/a><\/td><td>Points Sc\u00e8ne+<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>En 2 fois&nbsp;: apr\u00e8s les montants minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-scene-banque-scotia\/\">Carte Visa Sc\u00e8ne+ Banque Scotia<\/a><\/td><td>Points Sc\u00e8ne+<\/td><td>2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis<\/td><td>En 1 fois apr\u00e8s le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-or-pme-primes-american-express\/\">Carte en Or pour PME avec primes American Express<\/a><\/td><td>Points-Privil\u00e8ges<\/td><td>24 \u00e0 48 h apr\u00e8s le montant minimum requis<\/td><td>En 2 fois&nbsp;: apr\u00e8s le montant minimum requis, puis \u00e0 chaque trimestre civil (4) o\u00f9 vous atteignez le montant minimum requis<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-platine-entreprise-american-express\/\">Carte de Platine Entreprise American Express<\/a><\/td><td>Points-Privil\u00e8ges<\/td><td>24 \u00e0 48 h apr\u00e8s le montant minimum requis<\/td><td>En 2 fois&nbsp;: apr\u00e8s le montant minimum requis et apr\u00e8s le montant minimum requis entre le 14e et 17e mois<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-platine-american-express\/\">Carte de Platine American Express<\/a><\/td><td>Points-Privil\u00e8ges<\/td><td>24 \u00e0 48 h apr\u00e8s le montant minimum requis<\/td><td>En 2 fois&nbsp;: apr\u00e8s le montant minimum requis et apr\u00e8s le montant minimum requis entre le 14e et 17e mois<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-or-american-express\/\">Carte Or avec primes American Express<\/a><\/td><td>Points-Privil\u00e8ges<\/td><td>24 \u00e0 48 h apr\u00e8s le montant minimum requis<\/td><td>En 12 fois&nbsp;: apr\u00e8s le montant minimum requis sur chaque relev\u00e9<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">Carte Cobalt American Express<\/a><\/td><td>Points-Privil\u00e8ges<\/td><td>24 \u00e0 48 h apr\u00e8s le montant minimum requis<\/td><td>En 12 fois&nbsp;: apr\u00e8s le montant minimum requis sur chaque relev\u00e9<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-scotia-momentum-mastercard\/\">Carte Scotia Momentum Mastercard<\/a><\/td><td>Remises<\/td><td>Relev\u00e9<\/td><td>Le cashback est remboursable en tout temps d\u00e8s 25&nbsp;$ accumul\u00e9s, via l&#8217;appli Scotia ou le compte en ligne. Nouveau fonctionnement en vigueur depuis le 1er f\u00e9vrier 2026.<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-momentum-scotia\/\">Carte Visa Infinite+ Momentum Scotia<\/a><\/td><td>Remises<\/td><td>Relev\u00e9<\/td><td>Le cashback est remboursable en tout temps d\u00e8s 25&nbsp;$ accumul\u00e9s, via l&#8217;appli Scotia ou le compte en ligne. Nouveau fonctionnement en vigueur depuis le 1er f\u00e9vrier 2026.<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-cartes-american-express\">Les cartes American Express<\/h3>\n\n\n\n<p>Concernant les bonus de souscription American Express, les points sont vers\u00e9s directement dans le compte Points-Privil\u00e8ges, g\u00e9n\u00e9ralement 24 \u00e0 48 h apr\u00e8s avoir atteint le montant demand\u00e9. Dans de rares cas, le d\u00e9lai peut aller jusqu&#8217;\u00e0 8 semaines.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-cartes-marriott-bonvoy\">Les cartes Marriott Bonvoy<\/h3>\n\n\n\n<p>Les points sont vers\u00e9s dans le compte de membre Marriott Bonvoy entre 3 et 5 jours APR\u00c8S l&#8217;\u00e9mission du relev\u00e9 mensuel sur lequel figure la d\u00e9pense minimum. Dans de rares cas, le d\u00e9lai peut atteindre 3 relev\u00e9s. D&#8217;apr\u00e8s plusieurs retours de membres, cela se produit surtout lorsque le relev\u00e9 ne contient que des d\u00e9penses chez Marriott.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-cartes-aeroplan\">Les cartes A\u00e9roplan<\/h3>\n\n\n\n<p>Les points sont vers\u00e9s dans le compte de membre A\u00e9roplan entre 3 et 5 jours APR\u00c8S l&#8217;\u00e9mission du relev\u00e9 mensuel sur lequel figure la d\u00e9pense minimum. Dans de rares cas, le d\u00e9lai peut atteindre 3 relev\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-mise-en-garde-sur-les-bonus-de-souscription-aeroplan\">Mise en garde sur les bonus de souscription A\u00e9roplan<\/h4>\n\n\n\n<p>Le programme A\u00e9roplan a <a href=\"https:\/\/www.aircanada.com\/ca\/fr\/aco\/home\/aeroplan\/legal\/terms-and-conditions.html\" target=\"_blank\" rel=\"noopener\">mis \u00e0 jour ses conditions g\u00e9n\u00e9rales d&#8217;utilisation<\/a> pour pr\u00e9ciser certains points et \u00e9viter les abus, notamment li\u00e9s au <em>churning<\/em> de cartes de cr\u00e9dit A\u00e9roplan (multiplication des bonus de souscription).<\/p>\n\n\n\n<p>Il est conseill\u00e9 de consulter notre article sur les <a href=\"https:\/\/milesopedia.com\/actualites\/programmes\/aeroplan-conditions-utilisation\/\">nouvelles conditions d&#8217;A\u00e9roplan<\/a> pour respecter les r\u00e8gles du programme et maintenir un flux constant de points sans contrevenir aux modalit\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-cartes-scotia-scene\">Les cartes Scotia\/Sc\u00e8ne+<\/h3>\n\n\n\n<p>Pour les cartes Scotia li\u00e9es au programme Sc\u00e8ne+, les points sont vers\u00e9s dans les 2 \u00e0 3 jours ouvrables suivant l&#8217;atteinte du montant minimum requis. Le bonus appara\u00eet directement dans votre compte Sc\u00e8ne+.<\/p>\n\n\n\n<p>Pour les cartes de remise en argent (Scotia Momentum Visa Infinite+ et Scotia Momentum Mastercard), le fonctionnement a chang\u00e9 depuis le 1er f\u00e9vrier 2026&nbsp;: le remboursement est disponible en tout temps d\u00e8s 25&nbsp;$ accumul\u00e9s, directement via l&#8217;application Scotia ou le compte en ligne. L&#8217;ancienne r\u00e8gle du remboursement annuel en novembre ne s&#8217;applique plus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>Les d\u00e9lais varient d&#8217;un \u00e9metteur \u00e0 l&#8217;autre, mais la r\u00e8gle de base reste la m\u00eame&nbsp;: v\u00e9rifiez toujours la page officielle de la carte avant de souscrire, notez votre date d&#8217;approbation et gardez un \u0153il sur votre compte de fid\u00e9lit\u00e9 dans les jours suivant votre relev\u00e9 mensuel.<\/p>\n\n\n\n<p>Si vos points ne sont toujours pas arriv\u00e9s apr\u00e8s les d\u00e9lais indiqu\u00e9s dans ce tableau, contactez directement l&#8217;\u00e9metteur. La majorit\u00e9 des situations se r\u00e8glent rapidement avec un appel ou un clavardage en ligne.<\/p>\n\n\n\n<p>Des questions sur votre bonus de souscription&nbsp;? Posez-les dans notre <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">groupe Facebook Milesopedia<\/a> \u2014 c&#8217;est exactement pour \u00e7a qu&#8217;il existe. Et pour ne manquer aucune nouvelle offre de bienvenue, abonnez-vous \u00e0 notre <a href=\"https:\/\/milesopedia.com\/infolettre\/\">infolettre<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"237031\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<h3 class=\"wp-block-heading\" id=\"bonus_de_souscription_-_questions_fr_quentes\">Bonus de souscription &#8211; Questions fr&eacute;quentes<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"quand_est-ce_que_je_re_ois_mon_bonus_de_souscription_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tQuand est-ce que je re\u00e7ois mon bonus de souscription&nbsp;?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Le d\u00e9lai varie selon l&#8217;\u00e9metteur. Pour les cartes American Express Points-Privil\u00e8ges, comptez 24 \u00e0 48 h apr\u00e8s avoir atteint le montant minimum. Pour les cartes A\u00e9roplan et Marriott Bonvoy, les points arrivent g\u00e9n\u00e9ralement 3 \u00e0 5 jours apr\u00e8s l&#8217;\u00e9mission du relev\u00e9 mensuel sur lequel figure la d\u00e9pense minimum. Pour les cartes Scotia\/Sc\u00e8ne+, comptez 2 \u00e0 3 jours ouvrables apr\u00e8s l&#8217;atteinte du montant requis.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"le_d_lai_commence_quelle_date_exactement_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tLe d\u00e9lai commence \u00e0 quelle date exactement&nbsp;?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Le d\u00e9lai pour remplir les conditions de l&#8217;offre de bienvenue d\u00e9bute \u00e0 la date d&#8217;APPROBATION de la carte, pas \u00e0 la date de r\u00e9ception physique. Par exemple, une approbation le 30 juin avec une offre de 3 mois vous donne jusqu&#8217;au 30 septembre pour atteindre le montant minimum requis.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"puis-je_avoir_le_bonus_si_jai_d_j_eu_cette_carte_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tPuis-je avoir le bonus si j&#8217;ai d\u00e9j\u00e0 eu cette carte&nbsp;?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Non. Les bonus de souscription sont r\u00e9serv\u00e9s aux nouveaux clients. Si vous avez d\u00e9j\u00e0 d\u00e9tenu la carte, vous n&#8217;\u00eates g\u00e9n\u00e9ralement pas admissible \u00e0 l&#8217;offre de bienvenue. Les conditions varient selon l&#8217;\u00e9metteur \u2014 consultez toujours la page officielle de la carte avant de soumettre une demande.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"mes_points_ne_sont_pas_arriv_s_que_faire_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tMes points ne sont pas arriv\u00e9s, que faire&nbsp;?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Attendez d&#8217;abord les d\u00e9lais indiqu\u00e9s dans le tableau. Si les points ne sont toujours pas dans votre compte apr\u00e8s ce d\u00e9lai, contactez directement le service client de l&#8217;\u00e9metteur par t\u00e9l\u00e9phone ou clavardage. Ayez sous la main votre date d&#8217;approbation, vos relev\u00e9s et la confirmation que vous avez atteint le montant minimum requis.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"comment_fonctionne_le_remboursement_des_cartes_scotia_momentum_depuis_2026_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tComment fonctionne le remboursement des cartes Scotia Momentum depuis 2026&nbsp;?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Depuis le 1er f\u00e9vrier 2026, le remboursement des cartes Scotia Momentum Visa Infinite+ et Scotia Momentum Mastercard est disponible en tout temps d\u00e8s 25&nbsp;$ accumul\u00e9s, via l&#8217;application Scotia ou le compte en ligne. L&#8217;ancienne r\u00e8gle du remboursement annuel en novembre ne s&#8217;applique plus.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"puis-je_faire_du_churning_de_cartes_a_roplan_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tPuis-je faire du churning de cartes A\u00e9roplan&nbsp;?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Le programme A\u00e9roplan a mis \u00e0 jour ses conditions pour limiter les abus li\u00e9s au churning. Souscrire plusieurs cartes A\u00e9roplan successivement pour multiplier les bonus de souscription peut mener \u00e0 l&#8217;annulation de vos points. Consultez notre article sur les <a href=\"https:\/\/milesopedia.com\/actualites\/programmes\/aeroplan-conditions-utilisation\/\">nouvelles conditions d&#8217;A\u00e9roplan<\/a> avant d&#8217;agir.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"les_informations_du_tableau_sont-elles_toujours_jour_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tLes informations du tableau sont-elles toujours \u00e0 jour&nbsp;?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Nous mettons ce tableau \u00e0 jour r\u00e9guli\u00e8rement, mais les conditions changent parfois sans pr\u00e9avis. Consultez toujours la page officielle de la carte avant de souscrire. En cas de doute, posez votre question dans notre <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">groupe Facebook Milesopedia<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Liste compl\u00e8te des conditions d&#8217;attribution des primes de bienvenue des principales cartes de cr\u00e9dit au Canada, par programme et par \u00e9metteur.<\/p>","protected":false},"author":3,"featured_media":251647,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"432663,210102,423437,2285,261620,474642","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48138],"tags":[],"mc_loyalty_program":[626,637,654,647,664,634,629,672,675,46182,676,4249,642],"class_list":["post-6751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tutoriels","mc_loyalty_program-aeroplan","mc_loyalty_program-air-miles","mc_loyalty_program-bmo-recompenses","mc_loyalty_program-bnc-recompenses","mc_loyalty_program-cibc-aventura","mc_loyalty_program-marriott-bonvoy","mc_loyalty_program-american-express-points-privileges","mc_loyalty_program-primes-td","mc_loyalty_program-rbc-avion-distinction-recompenses","mc_loyalty_program-rbc-avion-elite-recompenses","mc_loyalty_program-recompenses-westjet","mc_loyalty_program-remises","mc_loyalty_program-scene-plus","mc_market-canada","post_region-canada","travel_type-debutant"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":22404,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Primes de bienvenue des cartes de cr\u00e9dit : quand vais-je recevoir mes points? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Quand recevez-vous vos points apr\u00e8s avoir souscrit \u00e0 une carte de cr\u00e9dit au Canada ? Conditions d&#039;attribution par \u00e9metteur, mises \u00e0 jour 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/attribution-bonus-souscription\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Primes de bienvenue : quand recevrez-vous vos points ?\" \/>\n<meta property=\"og:description\" content=\"Quand recevez-vous vos points apr\u00e8s avoir souscrit \u00e0 une carte de cr\u00e9dit au Canada ? Conditions d&#039;attribution par \u00e9metteur, mises \u00e0 jour 2026.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/attribution-bonus-souscription\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-19T20:12:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-01T06:53:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/02\/Carte-de-credit-pour-entreprise-avantages-et-inconvenients.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1125\" \/>\n\t<meta property=\"og:image:height\" content=\"844\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jean-Maximilien Voisine\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Primes de bienvenue des cartes de cr\u00e9dit : quand vais-je recevoir mes points?\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" content=\"@milesopedia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guides\\\/tutoriels\\\/attribution-bonus-souscription\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guides\\\/tutoriels\\\/attribution-bonus-souscription\\\/\"},\"author\":{\"name\":\"Jean-Maximilien Voisine\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/910fb721150b290316f16836cc905cad\"},\"headline\":\"Primes de bienvenue des cartes de cr\u00e9dit&nbsp;: quand vais-je recevoir mes points?\",\"datePublished\":\"2026-04-19T20:12:58+00:00\",\"dateModified\":\"2026-05-01T06:53:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guides\\\/tutoriels\\\/attribution-bonus-souscription\\\/\"},\"wordCount\":1997,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guides\\\/tutoriels\\\/attribution-bonus-souscription\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/Carte-de-credit-pour-entreprise-avantages-et-inconvenients.png\",\"articleSection\":[\"Tutoriels\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/guides\\\/tutoriels\\\/attribution-bonus-souscription\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guides\\\/tutoriels\\\/attribution-bonus-souscription\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guides\\\/tutoriels\\\/attribution-bonus-souscription\\\/\",\"name\":\"Primes de bienvenue des cartes de cr\u00e9dit : quand vais-je recevoir mes points? | Milesopedia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guides\\\/tutoriels\\\/attribution-bonus-souscription\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guides\\\/tutoriels\\\/attribution-bonus-souscription\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/Carte-de-credit-pour-entreprise-avantages-et-inconvenients.png\",\"datePublished\":\"2026-04-19T20:12:58+00:00\",\"dateModified\":\"2026-05-01T06:53:01+00:00\",\"description\":\"Quand recevez-vous vos points apr\u00e8s avoir souscrit \u00e0 une carte de cr\u00e9dit au Canada ? 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