--> --> Best Credit Card Offers, Sign-up Bonuses, And Deals For October 2025 | creditcardGenius --> --> -->   App Exclusive: $150 GeniusCash on a card with unreal cash back! Download Now × 5 Hello! Sign In $150 Cash Back Compare Credit Cards Compare Credit Cards Compare Credit Cards Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. GeniusCash credit cards = more cash in your pocket! 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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Our disclosure Best Credit Card Offers, Sign-up Bonuses, And Deals For November 2025 Written by creditcardGenius Team   updated on Nov 3, 2025 Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. November is here, and winter is right around the corner. If you're looking for end-of-autumn savings, we've got an amazing list of hot credit card offers, including bonus cash back and piles of rewards points. And if your goal is saving on credit card interest while you pay off your debt, there are some excellent balance transfer offers to consider. To top things off, we're offering up to $ 150 in GeniusCash on various credit cards – that's extra cash on top of whatever bonus your new credit card offers. Never miss an amazing deal again + get our bonus 250+ page eBook for FREE . Join 50,000 other Canadians who receive our weekly newsletter – learn more . The best credit card deals in Canada Here's our summary of the best credit card deals in Canada right now. Credit Card Credit Card Offer Annual Fee Income Requirements Apply Now BMO Ascend World Elite Mastercard * $125 GeniusCash * Up to 90,000 100,000 bonus points ( terms ) $150, first year free $80K personal/$150K household Apply Now TD First Class Travel Visa Infinite * $20 GeniusCash * Up to 165,000 bonus points ( terms ) $139, annual fee rebate for the first year $60K personal/$100K household Apply Now MBNA True Line Mastercard * $20 GeniusCash * 0% interest for 12 months (3% fee) – one of the best balance transfer offers in Canada ( terms ) $0 None Apply Now BMO CashBack World Elite Mastercard * $150 GeniusCash * up to $480 cash back in the first 12 months ( terms ) $120, first year free $80K personal/$150K household Apply Now Scotiabank Gold American Express * $100 GeniusCash * Up to 50,000 bonus points ( terms ) $120 $12K personal Apply Now Tangerine World Mastercard * $120 GeniusCash * earn $120 bonus cash back when you spend $1,500 in the first 3 months ( terms ) $0 $50K personal/$80K household Apply Now MBNA Rewards World Elite Mastercard * $100 GeniusCash * Up to 30,000 bonus points ( terms ) $120 $80K personal/$150K household Apply Now American Express Cobalt * $100 GeniusCash * Up to 15,000 welcome bonus points ( terms ) $191.88, charged out as $15.99 per month None Apply Now Scotiabank Passport Visa Infinite * $100 GeniusCash * Up to 35,000 bonus points ( terms ) $150 $60K personal/$100K household Apply Now TD Aeroplan Visa Infinite * Up to 45,000 welcome bonus points ( terms ) $139 $60K personal/$100K household Apply Now American Express Gold Rewards * Up to 60,000 bonus points ( terms ) $250 None Apply Now RBC Avion Visa Infinite * Up to 55,000 bonus points ( terms ) $120 $60K personal/$100K household Apply Now Marriott Bonvoy American Express * Up to 50,000 bonus points ( terms ) $120 None Apply Now BMO eclipse Visa Infinite * $150 GeniusCash * Up to 70,000 bonus points ( terms ) $120, first year free $60K personal/$100K household Apply Now If you’re in the market for a business credit card, here are some of the best deals. Credit Card Credit Card Offer Annual Fee Income Requirements Apply Now Scotia Home Hardware PRO Visa Business Card * 15,000 bonus points ( terms ) $0 None Apply Now Loop Visa * $100 GeniusCash $0 None Apply Now Scotiabank Passport Visa Infinite Business Card * 40,000 bonus points ( terms ) $199 None Apply Now Get up to 90,000 100,000 bonus points and 4 free lounge passes + $125 GeniusCash BMO Ascend ™ World Elite ® * Mastercard ® * 4.3 Genius Rating 2.3 (53) User reviews $125 GeniusCash + Up to 90,000 100,000 bonus points + 4 free lounge passes per year. * Annual fee $150.00 $0 1st year waived Welcome bonus $670 ◊ 100,000 points Annual rewards $262 ◊ GC Ends: Dec 31, 2025 GC: $125 I Want This Deal Learn More Instant approval: Yes Credit estimate: BMO Ascend ™ World Elite ® * Mastercard ® * GC: $125 4.3 Genius Rating 2.3 (53) User reviews $125 GeniusCash + Up to 90,000 100,000 bonus points + 4 free lounge passes per year. * Annual fee $150.00 $0 1st year waived Welcome bonus $670 ◊ 100,000 points Annual rewards $262 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (300 - 559) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons One of the best flexible rewards credit cards with free airport lounge access, the BMO Ascend World Elite Mastercard , has a top offer running right now: a welcome bonus of 90,000 100,000 points after spending $4,500 in the first 3 months and $2,500 every month for the next 12 months. Redeemed for travel through BMO Rewards, those 100,000 points are worth $670. Here’s what you’ll earn on purchases: 5 points per $1 spent on travel 3 points per $1 spent on dining, entertainment, and recurring bills 1 point per $1 spent on all other purchases It also has a couple of other sweet benefits: Mastercard Travel Pass with DragonPass membership – including four free passes per year 14 types of insurance This little package is for an annual fee of $150, which is currently waived for the first year. We're also offering $125 in GeniusCash when you open a new account. Up to 165,000 bonus points, an annual $100 travel credit, and $100 GeniusCash TD First Class Travel ® Visa Infinite * Card 4.4 Genius Rating 3.5 (78) User reviews $20 GeniusCash + Up to 165,000 TD Rewards points (conditions apply). * Annual fee $139.00 $0 1st year waived Welcome bonus $825 ◊ 165,000 points Annual rewards $475 ◊ GC Ends: Dec 31, 2025 GC: $20 I Want This Deal Learn More Instant approval: Yes Credit estimate: TD First Class Travel ® Visa Infinite * Card GC: $20 4.4 Genius Rating 3.5 (78) User reviews $20 GeniusCash + Up to 165,000 TD Rewards points (conditions apply). * Annual fee $139.00 $0 1st year waived Welcome bonus $825 ◊ 165,000 points Annual rewards $475 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The TD First Class Travel Visa Infinite Card offers plenty of rewards and some unique perks. First, the welcome bonus is stellar: 165,000 TD points after spending $5,000 in the first 180 days. Those 165,000 points are worth $825 when redeemed for travel through Expedia For TD. Here’s what you’ll earn in regular rewards: 8 points per $1 spent on travel booked online through Expedia For TD 6 points per $1 spent on groceries, restaurants, and public transit 4 points per $1 spent on recurring bill payments, streaming, digital gaming, and media 2 points per $1 spent on all other purchases But of course, there's more: Once per year, on your anniversary, get 10% bonus points based on what you earned (up to a maximum of 10,000 points) Visa Airport Companion membership and 4 free passes An annual $100 travel credit to use at Expedia for TD $100 GeniusCash when you get approved using our offers page The annual fee is just $139, which is rebated with the first-year-free offer. 0% interest for 12 months – one of the best balance transfer offers in Canada + $20 GeniusCash MBNA True Line ® Mastercard ® 4.4 Genius Rating 2.9 (12) User reviews ×2 Award winner $20 GeniusCash + 0% on balance transfers for 12 months (3% fee) + No annual fee. * Annual fee $0.00 Learn more Annual rewards $0 ◊ Learn more Annual savings $1,551 ◊ GC Ends: Nov 30, 2025 GC: $20 I Want This Deal Learn More Instant approval: Yes Credit estimate: MBNA True Line ® Mastercard ® GC: $20 4.4 Genius Rating 2.9 (12) User reviews 2x Award winner $20 GeniusCash + 0% on balance transfers for 12 months (3% fee) + No annual fee. * Annual fee $0.00 Learn more Annual rewards $0 ◊ Learn more Annual savings $1,551 ◊ GC Ends: Nov 30, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons If you have some sticky debt hanging around, one of the best balance transfer offers in Canada is here to save the day (and your credit score). The MBNA True Line Mastercard is offering a 0% balance transfer promo rate for an incredible 12 months with a 3% transfer fee. And unlike many balance transfer offers, once the promotional period is over, you can still take advantage of a permanently low 12.99% purchase interest rate. With other cards, the interest rate will shoot back up to 19.99% or more. Apply and get approved for the card through creditcardGenius and we'll give you $ 20 in GeniusCash . EXCLUSIVE OFFER: up to $480 cash back in the first 12 months + first year free + $150 GeniusCash BMO CashBack ® World Elite ® * Mastercard ® * 4.6 Genius Rating 2.8 (53) User reviews $150 GeniusCash + Exclusive: Up to $480 bonus cash back + First year fee waived. * Annual fee $120.00 $0 1st year waived Welcome bonus $480 ◊ Learn more Annual rewards $492 ◊ GC Ends: Dec 31, 2025 GC: $150 I Want This Deal Learn More Instant approval: Yes Credit estimate: BMO CashBack ® World Elite ® * Mastercard ® * GC: $150 4.6 Genius Rating 2.8 (53) User reviews $150 GeniusCash + Exclusive: Up to $480 bonus cash back + First year fee waived. * Annual fee $120.00 $0 1st year waived Welcome bonus $480 ◊ Learn more Annual rewards $492 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (560 - 659) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The BMO CashBack World Elite Mastercard is running a hot deal for a cash back credit card – and this offer is exclusive to us. You'll get up to $480 cash back in the first 12 months. On top of that, we're giving new cardholders $150 in GeniusCash. In terms of rewards on purchases, you'll get: 5% cash back on groceries, up to $500 in monthly spend 4% cash back on transit, up to $300 in monthly spend 3% cash back on gas, up to $300 in monthly spend 2% cash back on recurring bills, up to $500 in monthly spend 1% cash back on all other purchases And it comes with some premium perks, too: Free roadside assistance 13 (out of 17 ) types of insurance World Elite Mastercard benefits To top it off, the first year is currently free. This is a limited-time offer that you don't want to miss. Up to 50,000 bonus points, first year free, and $100 GeniusCash Scotiabank Gold American Express ® Card 4.7 Genius Rating 3.2 (60) User reviews ×1 Award winner $100 GeniusCash + Up to 50,000 bonus points + No foreign exchange fees. * Annual fee $120.00 $0 1st year waived Welcome bonus $500 ◊ 50,000 Scene+ points Annual rewards $588 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: Scotiabank Gold American Express ® Card GC: $100 4.7 Genius Rating 3.2 (60) User reviews 1x Award winner $100 GeniusCash + Up to 50,000 bonus points + No foreign exchange fees. * Annual fee $120.00 $0 1st year waived Welcome bonus $500 ◊ 50,000 Scene+ points Annual rewards $588 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The Scotiabank Gold American Express Card is one of the best flexible rewards credit cards and it’s running a deal you won't want to miss. The welcome bonus of up to 50,000 points after spending $2,000 in the first 3 months and $7,500 in the first year is worth $500 when redeemed for travel through Scene+. We're also offering $100 GeniusCash when you open a new account. As for your regular purchases, you'll get: 6 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more 5 Scene+ points per $1 spent on groceries, dining, and entertainment 3 Scene+ points per $1 spent on gas, select streaming services, and transit 1 Scene+ point per $1 spent on foreign currency purchases 1 Scene+ point per $1 spent on all other purchases There's one more big positive to this card: no foreign transaction fees. You'll save 2.5% when making any purchase that isn't in Canadian dollars. It's all for an annual fee of $120 and a low personal income requirement of $12,000. You can also get $60 in GeniusCash when you get approved through us. Extra $120 cash back, no annual fee, and a $120 GeniusCash bonus Tangerine ® Money-Back World Mastercard ® * 4.4 Genius Rating 3.3 (23) User reviews $120 GeniusCash + $120 bonus cash back * + No annual fee. * Annual fee $0.00 Learn more Welcome bonus $120 ◊ Learn more Annual rewards $273 ◊ GC Ends: Dec 14, 2025 GC: $120 I Want This Deal Learn More Instant approval: Yes Credit estimate: Tangerine ® Money-Back World Mastercard ® * GC: $120 4.4 Genius Rating 3.3 (23) User reviews $120 GeniusCash + $120 bonus cash back * + No annual fee. * Annual fee $0.00 Learn more Welcome bonus $120 ◊ Learn more Annual rewards $273 ◊ GC Ends: Dec 14, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons For a limited time, the Tangerine Money-Back World Mastercard is offering an extra $120 cash back. To make this offer even sweeter, we're adding $120 in GeniusCash when you apply and get approved for the card through creditcardGenius. As for your rewards, you get to choose which categories earn you 2% cash back – two categories if your cash back is applied as a statement credit and three if you deposit your rewards into a Tangerine savings account. Here are the categories you can choose from: The card has no annual fee and delivers 0.5% cash back on all other purchases. It also offers a low promotional balance transfer interest rate of 1.95% for 6 months, accompanied by a 1% balance transfer fee. 30,000 bonus points and $100 GeniusCash MBNA Rewards World Elite ® Mastercard ® 5.0 Genius Rating 3.3 (81) User reviews ×4 Award winner $100 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points. * Annual fee $120.00 Learn more Welcome bonus $300 ◊ 30,000 points Annual rewards $686 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: MBNA Rewards World Elite ® Mastercard ® GC: $100 5.0 Genius Rating 3.3 (81) User reviews 4x Award winner $100 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points. * Annual fee $120.00 Learn more Welcome bonus $300 ◊ 30,000 points Annual rewards $686 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (725 - 759) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The MBNA Rewards World Elite Mastercard is one of the best flexible rewards credit cards in Canada – and it's largely because of the rewards. You can earn 30,000 bonus points after spending $2,000 in the first 90 days and signing up for paperless e-statements, plus MBNA Rewards points at these high regular rates: 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) 1 point per $1 spent on all other purchases The card also comes with a birthday bonus of 10% of what you earned over the last year, up to a maximum bonus of 15,000. You can use your MBNA Rewards for a host of redemptions, including travel, merchandise, gift cards, and statement credits. To top it all off, we're offering $100 in GeniusCash when you get approved. Best credit card in Canada – up to 15,000 bonus points + $100 GeniusCash American Express Cobalt ® Card 5.0 Genius Rating 4.1 (80) User reviews ×8 Award winner $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * Annual fee See rates Learn more Welcome bonus $300 ◊ 15,000 points Annual rewards $1,080 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: American Express Cobalt ® Card GC: $100 5.0 Genius Rating 4.1 (80) User reviews 8x Award winner $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * Annual fee See rates Learn more Welcome bonus $300 ◊ 15,000 points Annual rewards $1,080 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The American Express Cobalt Card is our #1 ranked credit card in Canada – and has been for 5 years running. Here’s why: You can earn tons of points and each one is super valuable. The card offers a generous welcome bonus of 1,250 bonus points every month you spend $750 in the first year. That's a total of 15,000 points – worth up to $300. We're also offering $100 GeniusCash when you open a new account. On top of that, you'll get: 5 points per $1 spent on eligible groceries and restaurants (up tp $2,500 spent per month) 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 And it's all for a manageable $15.99 monthly fee instead of an annual $191.88 payment. Here’s what those points are worth: Aeroplan travel: To get the best value for American Express Membership Rewards , transfer your points to Aeroplan and use them on flights. Points are worth up to 2 cents each this way. Fixed points travel program: Here, you can use a set amount of points to fly between zones. Each point is worth up to 1.75 cents. Marriott Bonvoy: Amex points transfer at a ratio of 5:6, effectively giving you a 20% bonus. With a Marriott Bonvoy point worth 0.97 cents when redeemed for hotel stays, an Amex point is worth 1.16 cents when transferred over. All purchases: You can also redeem points for any purchase, including travel. Each point is worth 1 cent when used this way. The numerous options make this a truly flexible credit card. 35,000 bonus points, no foreign exchange fees, and $100 GeniusCash Scotiabank Passport Visa Infinite Card 3.9 Genius Rating 3.0 (46) User reviews $100 GeniusCash + Up to 45k bonus Scene+ points in year 1 + 6 free airport lounge passes. * Annual fee $150.00 Learn more Welcome bonus $350 ◊ 35,000 Scene+ points Annual rewards $324 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: Scotiabank Passport Visa Infinite Card GC: $100 3.9 Genius Rating 3.0 (46) User reviews $100 GeniusCash + Up to 45k bonus Scene+ points in year 1 + 6 free airport lounge passes. * Annual fee $150.00 Learn more Welcome bonus $350 ◊ 35,000 Scene+ points Annual rewards $324 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons For a card that offers sublime perks, the Scotiabank Passport Visa Infinite Card will give you flexible travel rewards and much more. You can earn a welcome bonus of 35,000 points after spending $2,000 in the first 3 months, which is worth $350 when redeemed for travel through Scene+ . And on top of that, you’ll earn points on your everyday purchases: 3 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more 2 Scene+ points per $1 spent on groceries, restaurants, entertainment, and daily transit 1 Scene+ point per $1 on all other purchases Where this card really shines in rewards is the annual bonus: spend $40K per year on this card and you'll get a 10,000 point bonus. For every $10K you spend above that, you’ll receive another 2,000 bonus points. But its best feature? No foreign transaction fee. Save yourself the usual 2.5% fee on purchases made in currencies other than CAD. Throw in comprehensive insurance – including travel insurance coverage for anyone over 65 – and a Visa Airport Companion membership with 6 free visits, and you'll be able to relax and put your mind at ease while you're travelling. Oh, and by the way, we're offering $100 GeniusCash when you get approved. Up to 45,000 welcome bonus points plus Air Canada perks TD ® Aeroplan ® Visa Infinite * Card 4.4 Genius Rating 2.9 (38) User reviews Up to 45,000 Aeroplan points + Free checked bags on Air Canada. * Annual fee $139.00 $0 1st year waived Welcome bonus $900 ◊ 45,000 points Annual rewards $558 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: TD ® Aeroplan ® Visa Infinite * Card 4.4 Genius Rating 2.9 (38) User reviews Up to 45,000 Aeroplan points + Free checked bags on Air Canada. * Annual fee $139.00 $0 1st year waived Welcome bonus $900 ◊ 45,000 points Annual rewards $558 ◊ Learn more Credit estimate:  (725 - 759) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons If you’re looking for a nice welcome bonus, a suite of Air Canada perks, and an advanced earn rate, consider the TD Aeroplan Visa Infinite Card . TD is currently running an excellent offer with this card. You’ll start off with up to 45,000 welcome bonus points, earned as follows: 10,000 points after your first purchase 15,000 points after spending $7,500 in the first 180 days 20,000 points after spending $12,000 in the first 12 months For earn rates, you’ll get a standard 1 Aeroplan point per dollar spent on the card, plus 1.5 points for every dollar spent in three bonus categories: Gas Groceries EV charging Air Canada purchases To top it off, the card has a reasonable annual fee of $139 and gives you access to great Air Canada perks, like one complimentary checked bag, preferred pricing on reward flights, and 1,000 Elite Status Miles for every $10,000 spent annually. Up to 60,000 bonus points + annual $100 travel credit American Express ® Gold Rewards Card 3.9 Genius Rating 4.2 (20) User reviews Up to 60,000 Welcome Bonus Membership Rewards ® points. * Annual fee See rates Learn more Welcome bonus $1,200 ◊ 60,000 points Annual rewards $708 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: American Express ® Gold Rewards Card 3.9 Genius Rating 4.2 (20) User reviews Up to 60,000 Welcome Bonus Membership Rewards ® points. * Annual fee See rates Learn more Welcome bonus $1,200 ◊ 60,000 points Annual rewards $708 ◊ Learn more Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The American Express Gold Rewards Card is running a hot offer right now, one of the best it's ever had. You can earn up to 60,000 bonus points - 5,000 bonus points every month you spend $1,000 in the first year. And those 60,000 points are worth a lot! Here's their value when redeemed for various travel redemptions through the Amex Membership Rewards program: Transfer to Aeroplan: $1,200 Fixed Points Travel Program: $1,050 Transfer to Marriott: $696 Redeemed for any purchase (including travel): $600 Here's what you'll earn on your daily purchases: 2 points for every $1 spent on gas, groceries, drugstores, and travel 1 point for every $1 spent on all other purchases To top it off, the card has premium-level perks: $100 annual travel credit Priority Pass membership (no fee passes) 4 annual passes to Plaza Premium Lounges in Canada A metal credit card available in your choice of colour Note the annual fee is a bit higher than standard at $250. This is balanced out, though, by the fact that this card doesn't have any income requirements. Get up to 55,000 bonus points worth up to $1,282 RBC Avion Visa Infinite 4.3 Genius Rating 2.0 (79) User reviews ×1 Award winner 55,000 points + Up to 2.33% return on purchases. * Annual fee $120.00 Learn more Welcome bonus $1,402 ◊ 55k points + $120 Annual rewards $566 ◊ Offer Ends: Nov 25, 2025 Apply Now Learn More Instant approval: Yes Credit estimate: RBC Avion Visa Infinite 4.3 Genius Rating 2.0 (79) User reviews 1x Award winner 55,000 points + Up to 2.33% return on purchases. * Annual fee $120.00 Learn more Welcome bonus $1,402 ◊ 55k points + $120 Annual rewards $566 ◊ Offer Ends: Nov 25, 2025 Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The hottest of hot offers is currently being run by the RBC Avion Visa Infinite : earn 55,000 Avion points after your account is approved and you spend $5,000 in the first 6 months. You get a few options when redeeming your Avion points. Here's a quick summary of your travel options and what those 55,000 points are worth. Travel redemption Value of 1 point Welcome bonus value Air Travel Redemption Chart Up to 2.33 cents $1,281.5 Transfer to British Airways or Cathay Pacific 1:1 Up to 1.75 cents $962.5 Transfer points To American Airlines 10:7 Up to 1.23 cents $676.5 Transfer points to WestJet 100:1 1 cent $550 Redeem for any travel through Avion Rewards 1 cent $550 On regular purchases, you'll earn 1 point per $1 spent (25% more on travel), and get 12 types of insurance for a $120 annual fee. Get up to 50,000 points + annual free night Marriott Bonvoy ® American Express ® * Card 2.9 Genius Rating 4.2 (10) User reviews Up to 50,000 bonus points + Annual free night certificate. * Annual fee See rates Learn more Welcome bonus $485 ◊ 50,000 points Annual rewards $501 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: Marriott Bonvoy ® American Express ® * Card 2.9 Genius Rating 4.2 (10) User reviews Up to 50,000 bonus points + Annual free night certificate. * Annual fee See rates Learn more Welcome bonus $485 ◊ 50,000 points Annual rewards $501 ◊ Learn more Credit estimate:  (560 - 659) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The Marriott Bonvoy American Express Card is an excellent credit card to earn free hotel stays. The welcome offer is 50,000 after spending $1,500 in the first 3 months.. While making purchases to earn it, here's what you'll earn: 5 points per $1 spent at Marriott properties 2 points per $1 spent on all other purchases And, it has these excellent Marriott perks. Annual free night certificate : after your first year, you'll get an annual free night certificate worth up to 35,000 points. Find any hotel night for that amount or less and it's yours. Automatic Silver Elite status : Just by having the card, you'll get Silver Elite status, which gets you things like bonus points on stays, room upgrades, and better WiFi. YOu can get upgraded to Gold Elite by spending $30,000 per year on your credit card. 15 Elite night credits : Think of it as an easier path to Gold state. Stay 10 nights at a Marriott hotel in a year and you'll be upgraded (it normally takes 25 paid nights). The annual fee for this? An entirely reasonable $120 – the annual free night more than covers it. Get up to 70,000 bonus points + up to 5x the points on purchases + $150 GeniusCash BMO eclipse Visa Infinite * Card 3.7 Genius Rating 2.9 (18) User reviews $150 GeniusCash + Exclusive : Up to $637 in value + 5x points on gas & groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $469 ◊ 70,000 points Annual rewards $386 ◊ GC Ends: Dec 31, 2025 GC: $150 I Want This Deal Learn More Instant approval: Yes Credit estimate: BMO eclipse Visa Infinite * Card GC: $150 3.7 Genius Rating 2.9 (18) User reviews $150 GeniusCash + Exclusive : Up to $637 in value + 5x points on gas & groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $469 ◊ 70,000 points Annual rewards $386 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (560 - 659) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons One of the best flexible rewards credit cards has a top offer running right now (which includes a little extra bonus cash when you apply through creditcardGenius): the BMO eclipse Visa Infinite Card . You'll earn 40,000 points after spending $3,000 in the first 3 months. Every month in the first year you spend $2,000 will earn you another 2,500 points (for a total of 30,000 welcome bonus points). Redeemed for travel through BMO Rewards , those 70,000 points are worth $469. The earn rates are also stellar: 5 BMO Rewards points for every $1 spent on dining, groceries, gas, and transit 1 point per $1 spent on all other purchases Plus, it has 2 unique perks: Annual $50 lifestyle credit. Every year after your card's anniversary, you'll save $50 on your first purchase greater than $50. 10% bonus points. Earn these bonus points when you add an authorized user to the account. The entire package can be yours for an annual fee of $120, which is currently waived for the first year. We're also tossing in $150 in GeniusCash on approval. Bonus credit card offers – up to $150 in GeniusCash We have plenty more GeniusCash offers available right now. Here is where you can view all of our offers . Best business credit card deals If you're in the market for a business credit card , here are a few top deals to take a look at. Earn 15,000 bonus points + no annual fee + $100 GeniusCash Scotia ® Home Hardware PRO Visa * Business Card 5.0 Genius Rating (0) Write your review Annual fee $0.00 Learn more Annual rewards $12 ◊ 15,000 points Annual savings $1,223 ◊ Offer Ends: Nov 30, 2025 Apply Now Learn More Scotia ® Home Hardware PRO Visa * Business Card 5.0 Genius Rating (0) Write your review Annual fee $0.00 Learn more Annual rewards $12 ◊ 15,000 points Annual savings $1,223 ◊ Offer Ends: Nov 30, 2025 Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Contractor who buys a lot of building supplies? The Scotia Home Hardware PRO Visa Business Card is perfect for those who get their supplies at Home Hardware stores. This card will earn you 1 Scene+ point per $1 spent on all your purchases at Home Hardware. There's also a welcome bonus. You'll earn Scotia Home Hardware PRO Visa Business Card bonus points after spending $1,500 at Home Hardware stores, along with $100 in GeniusCash from us. This card has no annual fee and will get you extra savings with the Visa SavingsEdge program. A business card with no foreign exchange fees on common currencies and no annual fee + $100 GeniusCash Loop Card 3.0 Genius Rating 2.7 (3) User reviews $100 GeniusCash + Business owners: no FX fees in 4 popular currencies + No annual fee. * Annual fee $0.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $120 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: Loop Card GC: $100 3.0 Genius Rating 2.7 (3) User reviews $100 GeniusCash + Business owners: no FX fees in 4 popular currencies + No annual fee. * Annual fee $0.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $120 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (560 - 659) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Show More Rewards Details & Eligibility Genius Rating User Reviews If you often do business in Canadian or U.S. Dollars, Euros, or British Pounds, the Loop Card might be a great choice for your small business. You’ll pay no foreign exchange fees on those currencies plus earn 1 point per $1 spent on all purchases. Each point is worth 0.5 cents and you can redeem those points for gift cards. On top of this, Loop provides a 55-day grace period for payments, doesn’t have any annual fee, and has a sweet Genius Cash offer of $100. Earn 40,000 bonus points + pay no foreign exchange fees + $125 GeniusCash Scotiabank Passport ® Visa Infinite Business * Card 3.8 Genius Rating 1.0 (1) User reviews Annual fee $199.00 Learn more Welcome bonus $300 ◊ 30,000 points Annual rewards $360 ◊ Offer Ends: Oct 31, 2025 Apply Now Learn More Scotiabank Passport ® Visa Infinite Business * Card 3.8 Genius Rating 1.0 (1) User reviews Annual fee $199.00 Learn more Welcome bonus $300 ◊ 30,000 points Annual rewards $360 ◊ Offer Ends: Oct 31, 2025 Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The Scotiabank Passport Visa Infinite Business Card is a top business credit card in Canada. Earning Scene+ points, you'll earn 1.5 points per $1 spent. It also has a very large welcome bonus, earning you 40,000 points after spending $5,000 in the first 3 months and 60,000 in the first year. On top of that, we're offering $125 GeniusCash. And the perks don't stop there, this card also offers: No foreign exchange fees Visa Airport Companion membership with 6 free passes Complimentary Avis Preferred Plus membership What credit card offers are you looking at? What credit card offer will you take advantage of this month? Is there one we haven’t mentioned? Let us know in the comments below! FAQ What is the best credit card in Canada? The best credit card in Canada is the American Express Cobalt. You'll earn up to 5 points per $1 spent. With points being worth up to 2 cents each, this card has a fantastic return of up to 10% back on purchases. What is the best cash back credit card offer right now? The best cash back credit card offer is with the BMO CashBack World Elite Mastercard. You'll earn up to $480 in bonus cash back over the first year. I want to save on credit card interest – what's the best credit card deal for me? If you need to save on credit card interest, the MBNA True Line Mastercard has a fantastic balance transfer offer. This card comes with a promotional rate of 0% for 12 months on balance transfers, an excellent way to avoid paying credit card interest for a whole year. creditcardGenius is the only tool that compares 126+ features of 227 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 227 cards is for you. Did you find this article helpful? Yes No 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 227 Canadian credit cards. Hot Credit Card Deals This Month Hot Credit Card Deals This Month: Get even more cash back with exclusive offers only available on the GeniusCash app Explore bigger GeniusCash offers that you won't find anywhere else. Connect your credit cards and unlock bonus cash on your spending that you won't get anywhere else. Explore customized recommendations to help you find the best products to level up your rewards. Be the first to know about new, limited-time GeniusCash offers so that you never miss a deal. Refer your friends and family to earn bonus levels and extra cash back. Up to 90,000 100,000 bonus points + 4 free lounge passes per year + $125 GeniusCash Earn up to 5x the points on purchases. 90,000 100,000 point welcome bonus worth up to $670. Includes a Mastercard Travel Pass membership with 4 free passes.. Annual fee of $150, which is waived for the first year. $125 GeniusCash on approval ‒ offer ends Dec 31, 2025. * Earn up to 165,000 bonus points + First year annual fee rebate + $20 GeniusCash Earn up 165,000 TD Rewards points as a welcome bonus. Earn 8 points per $1 spent on travel through Expedia For TD. Earn 6 points per $1 spent on groceries and restaurants. Annual $100 travel credit for use at Expedia For TD. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * 0% interest for 12 months with Canada's #1 balance transfer promotion + $20 GeniusCash Best balance transfer rate in Canada. You can get a 0% promotional balance transfer rate for 12 months to help you pay off pre-existing credit card debt. Permanent low interest rates of 12.99% on purchases and 17.99% on balance transfers (24.99% on cash advances). No annual fee. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * Bonus : Finally earn rewards on your biggest expense by paying for your rent and other bills with Chexy. Related Posts Best Credit Card Offers, Sign-up Bonuses, And Deals For November 2025 Best Credit Card For Amazon Purchases For 2025 Get Up To $175 in GeniusCash With Our Black Friday Deals 24 Credit Card Hacks To Boost Your Rewards Comments Leave a comment Required fields are marked with *. Your email address will not be published. Post Comment Showing 26 comments Jakob Hunting-Lessard December 11, 2024 I did a offer for wealth simple with you guys to get extra cash and it said I completed it but I dont have any cash that's available to withdraw. I think this sites a scam. Reply Kwadwo December 12, 2024 Hello Jacob, Thanks for reaching out! Please note that GeniusCash is only available for select credit cards through our website, and we haven't offered GeniusCash for Wealthsimple products. Any eligible cards or products would be included on our offers page and have a banner indicating that they are eligible for GeniusCash. In order to be eligible for GeniusCash, you need to log in to your creditcardGenius account and initiate your application on our offers page by clicking "I Want This Deal". You will then be redirected to the bank's website where you'll need to finalize the application. Since we're not a bank, so we don't approve applications or issue cards. Anytime you click on ""I Want This Deal"" on our offers page while logged into your account, it will get tracked in your creditcardGenius dashboard under Your Offers as a pending offer. As long as we receive confirmation from the bank that you were approved for the card and you met all other eligibility requirements that you can find in the Terms and Conditions under each offer – you will get your GeniusCash sent directly to your preferred method of payment (PayPal or Interac e-Transfer account) that you can set up in your creditcardGenius account. We update our list of offers regularly, so feel free to apply for any new GeniusCash offers on our creditcardGenius offers page. Reply Alan June 9, 2023 Trying to find the best credit card to use for monthly phone bills and can't really see much. Probably my AMEX Gold would give a point/$. Giving up the Gold and going to the Cobalt. Any strong incentives? (this post is two years old) Thanks Reply Yulia June 9, 2023 Hey Alan, If you want, you can check out Best Cash Back Credit Cards in Canada for June 2023 . You can also use our Compare Credit Cards tool where you can individually adjust the sliders and monthly spendings to get a more custom answer depending on what categories are most important to you. Reply Hmh December 2, 2021 Where’s the huge TD aeroplan visa deal in this list? Over in 4 days….65,000 pts. Reply creditcardGenius Team December 3, 2021 Hello, Unfortunately, TD has asked us not to display their cards on our website. But the TD Aeroplan Visa Infinite Privilege does have a good offer right now, if you can handle paying the high annual fee of $599. Reply MLD Fairbanks October 2, 2021 I did the challenge and was recommended the Am. Exp Cobalt card. When I checked the details on this card the fine print said points expired after one year. Is this correct? Hesitant to go with American Express due to limited places that accept it. Definitely looking for a travel card as looking to travel internationally (Japan) from BC with my son now residing there for the next few years. Thanks for your response. Reply creditcardGenius Team October 6, 2021 Hello, Your points won't expire as long as you maintain your credit card account in good standing. That said, if you close the card and don't have any other Membership Rewards cards, you'll lose your points. Reply Bruce L Steinson August 19, 2021 As a Canadian living in B.C. I like the companion voucher offered by RBC Westjet Mastercard. I travel at least once a non-covid year and I like the other perks as well. This card doesn't seem to be on your radar. What am I missing? Reply creditcardGenius Team August 26, 2021 Hey Bruce, The RBC WestJet Mastercard is a good card! We have a full blown review on what it has to offer here if you'd like more detail. Reply Tom July 21, 2021 I have a one-time expense for accounting and sports fees of about $14,000 coming up this summer that I can pay by Visa or MasterCard (but not American Express). My existing cards will pay 1% cash back. Can you or other readers suggest any cards and/or strategies which will give a better return in this situation? Perhaps splitting the charge between a couple of the cards here that have $100 Amazon gift card offers + some limited bonus cash back on spending in any category? I prefer cash back, but AeroPlan or AirMiles are OK too. I'd like to stay away from proprietary rewards programs. I look forward to any advice. Reply creditcardGenius Team July 27, 2021 Hey Tom, I would look into the Brim World Elite Mastercard. You'll earn 2 points per $1 spent, which can be redeemed against any purchase made to the card for one cent each, giving a return of 2% back. Though the 2% is only on the first $25,000 in annual spend (afterwards it's 1% back), that's more than enough for your purchase. It's also first year free, saving the $199 fee right away. You can learn more about this card here . Of course, I would also check out our compare credit cards page , where you can adjust spending and change your card preferences to see other options. Reply craig June 30, 2021 i feel that i should point out a slight error in your (otherwise fine) article. it is about your expression 'coup de gras'. this should be 'coup de grace'. and your use of it is, er, not quite correct. for some reason people often make this mistake, so don't feel bad. wikipedia's definition of 'coup de grace' is probably not the statement you meant to make... "Examples of coup de grâce include shooting the heart or head (typically the back of the skull) of a wounded, but still living, person during an execution or by humanely killing a suffering, mortally wounded soldier, in war, for whom medical aid is not available. In pre-firearms eras the wounded were finished with edged or impact weapons to include cutting throats, blows to the head, and thrusts to the heart. Other examples include the officer leading a firing squad administering a coup de grâce to the condemned with a pistol if the first hail of gunfire fails to kill the prisoner; or a kaishakunin who performs a beheading to quickly end a samurai's agony after seppuku. " thanks for the article though! Reply creditcardGenius Team July 7, 2021 Hey Craig, Thanks for pointing out our mistype, we've corrected the text. That said, we're using the term metaphorically – as in the metaphoric ""death blow"" that would ""kill"" your hesitation to get the card. Reply Mo R May 12, 2021 Hello, need some help to decide on which cash back master card to go for. My MBNA Rewards WE MC expires May 18 and looking for any other card with better cash back. I also have a PC World Elite MC for shopping at PC groceries. Rough Monthly spend : Grocery: $1,000(Costco, Farmers market, online ) Grocery: $400(Presidents Choice chain) I use PC WE Mastercard Restaurant Take-out: $400 Other: 1000 Was thinking of BMO cashback World elite but the caps on grocery and 1% on other items is a downside. any suggestion would be greatly appreciated. Reply creditcardGenius Team May 18, 2021 Hello, Based on your spend, I would get a cash back Mastercard that offers a high, flat rate on purchases, since you use the PC Mastercard at Loblaws stores. A top cash back card that comes to mind is the Brim World Elite Mastercard , which offers 2% back on all purchases, but also has a high annual fee of $199. Another good choice is to stick with MBNA Rewards World Elite Mastercard , which offers 1.67% cash back on all purchases (when points are coverted to cash – it's 2% back when converted to travel). Of course, decision is up to you. You could also take our Challenge, which will give you even more personalized recommendations based on your spending and preferences: https://creditcardgenius.ca/challenge Reply Rob May 12, 2020 Hi not sure if you can clarify. When I applied for the BMO Cashback World Elite it does state 10% on the webpage you provided. However when I look at their footnotes on the same page it only mentions 5%. Is the 10% offer only through referrals from you folks? Thanks, Rob Reply creditcardGenius Team May 14, 2020 The 10% offer for the BMO CashBack World Elite Mastercard is only availble if you use our referral link. If you apply direct through the BMO site, you would only get 5% back. Reply Sharon May 7, 2020 Does the Brim Mastercard which has no annual fee, still earn 1% on foreign transactions? I'm not quite clear on the $200 cash bonus, is that just a one time sign-up bonus? Thanks Reply creditcardGenius Team May 11, 2020 Yes, the Brim Mastercard offers 1% back on all purchases, including those made in foreign currency. The sign-up bonus is a little more complicated. You can earn up to $200 in first time bonuses after your first purchases with select Brim retail partners. Reply Sandy Bard January 10, 2020 Never see a review of the Manulife Visa Infinite card. We have used this card almost exclusively for a couple of years and quite like it. Annual fee waived for first year. Minimum annual spend of $20,000 (not hard to do) eliminates the monthly bank account fee. Cashback rewards are competitive and they are credited directly to our account every 3 months. Other benefits include Emergency Medical, Trip Interruption, and Flight and Baggage Delay insurance amongst the travel-related benefits. This is our go-to credit card. Reply creditcardGenius Team January 14, 2020 We don't have this card in our database at this time, but are considering adding it in the near future. Thanks for the suggestion! Reply Robin whittle November 11, 2019 Hi, I currently have the scotiabank visa infinite cash back card (which I use) and the td Aeroplan visa infinite (which I don’t use). With the change in rewards and fees for the scotiabank card, I’m thinking of switching to the Scotia Passport - I travel once a year and I buy clothes, etc everything online (US). Any advice? Reply creditcardGenius Team November 13, 2019 Hi Robin, The Scotiabank Passport Visa Infinite is a great travel card, especially since it has no foreign exchange fees, but you would be losing out on rewards compare to the other cards you mentioned. Another card to consider would be the Scotiabank Gold American Express. It too has no foreign exchange fees, and earns up to 5 points per $1 spent as well. Hope this helps! Reply JH September 7, 2019 Best new credit card for retirees with low income? My wife has a retired income of $1000 per month. On this basis she is refused credit cards she applies for. She wants one in her name and on her credit rating. The card she has won't go above 1000 credit limit which is hard on a trip. Reply creditcardGenius team September 10, 2019 Hey JH, Most Amex cards do not have any income requirement. See their best cards here: https://creditcardgenius.ca/best-credit-cards/american-express We also wrote a post about best low income credit cards right here: https://creditcardgenius.ca/blog/best-low-income-credit-cards/ Hope this helps! 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How To Maximize The TD Rewards Points Program How To Maximize The CIBC Aventura Rewards Program Most Recent Personal Loans vs. Credit Cards – What's the Difference Financing For Students – From Student Credit Cards To Student Loan Services Best credit cards for Christmas and holiday shopping Your Guide To DragonPass Lounges Check Amex Eligibility Without Impacting Credit Score What’s important to you? 1 Cash Travel+ 1 Low Fees Insurance 1 Low Interest Perks 46 / 227 best cards Genius Search What's this? You'll also get our hot credit card tips, news, reviews, and exclusive offers directly to your inbox. Free Instant Access It only takes one click to unsubscribe so give it a try. About creditcardGenius creditcardGenius is a smart credit card matchmaker that compares 126+ features of 227+ credit cards, with objective ratings, rankings and reviews. Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 200,000 people every month, 50,000 newsletter subscribers, and 15M people since launch. Read more about creditcardGenius About creditcardGenius About creditcardGenius Team The creditcardGenius team of writers is dedicated to bringing factual, helpful, and thorough information to Canadian consumers. Each piece of content goes through a 3-step review process because quality is important to us. Read more about creditcardGenius Team About creditcardGenius Team Rating Methodology The most comprehensive credit card rating system in Canada. Featured In The Genius Is You. Get hot credit card tips, news, reviews, and exclusive offers directly to your inbox. Only legit stuff gets sent. And it only takes one click to unsubscribe - so give it a try. Have a second? Let us know how we can make your experience better. Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. 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