Methodology
CardPicker separates published product requirements from community-reported approval and repeat-bonus patterns. The latter are useful planning signals, not guarantees.
Once per lifetime, per card
Amex Canada offer terms restrict welcome bonuses to new Cardmembers; community consensus treats this as once per lifetime per card. Lifetime language varies by card and era — check current offer terms.
12-month cooldown
TD offer terms typically exclude applicants who held the same (or same-family) card or received its bonus within the prior 12 months. TODO: verify against current TD offer fine print.
12-month cooldown
CIBC commonly excludes existing/recent holders of the same card family from welcome bonuses (community-reported 12-month window). TODO: verify.
No enforced cooldown in the planning model
BMO terms claim a 24-month exclusion, but r/churningcanada consensus (2023-2024 DPs, e.g. 7+ repeat AMWE bonuses) is that BMO pays the bonus on every approval and does not enforce it.
No enforced cooldown in the planning model
Scotiabank terms claim a 2-year exclusion, but r/churningcanada consensus (2024-2025 DPs) is that it is not enforced on Scene+ points cards — churners report several Scotia bonuses per year. EXCEPTION: Momentum cashback cards do enforce it (per-card override).
24-month cooldown
RBC Avion offers typically exclude existing/recent Avion cardholders (community-reported 24-month window). TODO: verify.
12-month cooldown
National Bank welcome offers are typically limited to new cardholders; community-reported 12-month window. TODO: verify.
24-month cooldown
MBNA offers typically exclude those who held the card in the prior 24 months (community-reported). Welcome offers often differ for Quebec residents. TODO: verify.
12-month cooldown
Rogers Bank welcome offers are typically for new cardholders (community-reported 12-month window). TODO: verify.
12-month cooldown
Neo welcome offers are typically for new customers (community-reported). TODO: verify.
12-month cooldown
Brim welcome offers are typically for new customers (community-reported). TODO: verify.
Incremental first-year value = welcome-offer value available in months 1–12 + rewards above a conservative 1% alternative card − the first-year annual fee.