People's Choice credit card award seal

Consumers who are on the hunt for the best credit card in Canada have a lot to consider. We take over 50 different card features into account when giving you a credit card’s Genius Rating.

We look at rewards, fees, perks, interest, insurance, fees, acceptance, approval, and a number of other factors and features that a credit card can offer.

However, short of owning every single credit card on the market right now, there is no way for us to tell you about the approval process or customer experience ‒ and those things matter.

This is where you come in.

People’s Choice Credit Card

With more than 15 reviews averaging at 4.5 stars, the MBNA Rewards World Elite Mastercard wins the People’s Choice credit card award for 2018:

In 2015, a study was done that showed that 67% of consumers are influenced by online reviews ‒ and 55% of consumers admit that “online reviews are either fairly, very, or absolutely an important part of their decision-making process.”

Credit cards are no different.

People don’t want credit card shopping to be a guessing game. Why else would online personal finance communities, that talk about credit cards, be so popular?

There are some who value consumer opinion more than they do the actual product features and shiny benefits offered on paper.

This award is given to the card that you “voted” on ‒ using a 5-star rating and review.

Each time you leave a review for a credit card that you already own (or cancelled), you’re essentially voting for the creditcardGenius People’s Choice credit card.

Plus a $150 travel bonus.
Offer ends December 21, 2018.

Why Do User Reviews Matter?

Your reviews, feedback and insight help others make more informed choices. Answers to these questions, for example, would be helpful:

  • Was the card easy to apply for?
  • Did it take a reasonable amount of time to find out whether or not you were approved?
  • Is the plastic flimsy, making the card easy to damage?
  • Does it take forever to get through to customer service?
  • Is your monthly credit card statement accurate and free of errors?
  • Has your credit card company ever gone above and beyond for you?
  • Is the online banking experience a good one?

The bottom line? Only you know what your personal experience has been like with that credit card. That’s something no one else knows.

So, why not share your experience so you can help others make the Genius choice when choosing their next credit card?

Or, if we missed something you would have liked us to include in this list of questions ‒ drop us a note.

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

Featured In

The Globe and Mail
thestar.com
Huddle.today
Morningstar