People’s Choice Credit Card In Canada For 2025
Because each user review counts.
Even with all the praise our trusted, math-based algorithm, it's not just enough to get an unbiased rating that computing power came up with. If you really want to determine the best credit card in Canada, you need to take into account real-life experiences from our users across Canada.
This is the reason we created a People's Choice category. We asked our readers to vote for their favourite credit card in Canada.
If there's another card you want to see here, be sure to keep an eye on our newsletter for next year's poll, so you can make your voice heard.
People’s choice credit card for 2025
×8 Award winner Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card.*
8x Award winner Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card.*
We think the American Express Cobalt Card is a pretty spectacular card – after all, we gave it 8 awards.
But so do you. Capturing 20.5% of the vote, the American Express Cobalt Card is our winner for the creditcardGenius 2025 People's Choice award.
And it's not hard to see why. It not only earns plenty of points, but gives you options when it comes time to use them for travel.
Here's the rewards it earns:
- 5 points per $1 spent on eligible groceries and restaurants
- 3 points per $1 spent on eligible streaming services
- 2 points per $1 spent on eligible gas, transit, and ride share purchases
- 1 point per $1 spent on foreign currency purchases
- 1 point per $1 spent on all other purchases
That's a lot of points per year – around 54,000 per year if you spend around $2,000 per month. They're also worth a lot. Here are your top options and what each point is worth (along with annual rewards).
| Redemption | Value of 1 point | Annual Rewards |
|---|---|---|
| Transfer to Aeroplan | 2 cents | $1,080 |
| Fixed Points Travel | 1.75 cents | $945 |
| Transfer to Marriott | 1.16 cents | $626 |
| Redeem for any purchase | 1 cent | $540 |
Add it all up and Amex has a winner.
Rounding out the top 5 vote getters
We got plenty of votes. Here are the cards that fill out the top 5.
2. Scotiabank Gold American Express Card
Thanks to earning up to 6 Scene+ rewards per $1 spent and charging no foreign transaction fees, the Scotiabank Gold American Express Card is a popular credit card in Canada. This card received 9.6% of our vote.
×1 Award winner 
$60 GeniusCash + Up to 50,000 bonus points + No foreign exchange fees.*
GC: $60
1x Award winner 3. Rogers Red World Elite Mastercard
Getting 6.8% of the vote, the Rogers Red World Elite Mastercard is a favourite for those who shop at Costco, offering 1.5% cash back everywhere (with the chance to earn 3% everywhere with a Rogers service) for no annual fee.
4. Scotiabank Passport Visa Infinite Card
With 5.5% of the vote, the Scotiabank Passport Visa Infinite Card offers a unique blend of perks and insurance. It earns up to 3 Scene+ points per $1 spent on purchases, charges no foreign exchange fees, and provides 6 free lounge passes per year.
GC: $30
5. Neo Secured Credit
Finishing up the top 5 is the Neo Secured Credit. A popular secured credit card that earns rewards, it was able to reel in 5.5% of the vote.
Other cards with votes
All these cards received at least 2.5% of the votes we received.
GC: $20
Instant approval: YesCredit estimate:
Annual fee
$120.00
$0
1st year waived
Credit estimate: (725 - 759)Instant approval: Yes
GC: $20
3.4 (55) User reviews ×1 Award winner GC: $150
Instant approval: YesCredit estimate: 3.4 (55) User reviews 1x Award winner
Annual fee
$120.00
$0
1st year waived
Credit estimate: (560 - 659)Instant approval: Yes
×1 Award winner GC: $150
1x Award winner FAQ
What is the best credit card in Canada that is preferred by most people?
The American Express Cobalt Card was the top vote-getter in our annual poll. It received almost 21% of the votes cast. The cards that rounded up the top 5 include the Scotiabank Gold American Express Card, Rogers Red World Elite Mastercard, Scotiabank Passport Visa Infinite Card, and Neo Secured Credit
What criteria do people use when reviewing the best credit cards in Canada?
The most common things that users review when it comes to credit cards are customer-facing experiences. Details about whether the card was easy to apply for, whether they were approved and how long it took to find out, if customer service was easily accessible, and if the company values its consumers, as well as the quality of material used for the card and whether banking statements were accurate – all of these are taken into account.
How is the People’s Choice credit card determined?
Our People's Choice winner was voted on by our readers. We let anyone who wanted to vote select their favourite credit card. The credit card with the most votes won the award.
Editorial Disclaimer: The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 229 Canadian credit cards.
