Introducing your brand new creditcardGenius offers – GeniusCash.
You can now earn straight up cash back when you apply for and get approved for select credit cards through us.
Here’s how it works plus the 19 offers you can currently pick up (worth up to $125).
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Introducing GeniusCash ‒ EXTRA cash back with your welcome bonus
Your rewards system just got a huge upgrade when it comes to special offers.
In the past, you could get Amazon gift cards on approval with select credit cards.
But now you can get straight-up GeniusCash to your PayPal or Interac e-Transfer account – so it’s money you can use on whatever you want (not just Amazon purchases).
How GeniusCash works
How does GeniusCash work? It’s quite simple:
- Choose your favourite offer(s) on the creditcardGenius offers page.
- Apply for the card through creditcardGenius and get approved.
- Wait for the bank to send us proof of your approval.
- Get your GeniusCash sent directly to your PayPal or Interac e-Transfer account.
From there, you can use your cash for whatever floats your boat.
15 top cash back credit card offers with GeniusCash
Your GeniusCash offers are divided into 2 categories – large and small.
Here’s an overview of some of the large offers, and what these credit cards have to offer.
| Credit Card | GeniusCash offer | Welcome Bonus | Learn More |
|---|---|---|---|
| American Express Cobalt | $100 | Up to 15,000 bonus points (terms) | |
| Tangerine Money-Back Mastercard | $125 | 10% extra cash back for the first 2 months (terms) | |
| Tangerine World Mastercard | $100 | 10% extra cash back for the first 2 months (terms) | |
| RBC Avion Visa Infinite | $100 | 55,000 bonus points (terms) | |
| RBC Avion Visa Infinite Privilege | $100 | Up to 70,000 bonus points (terms) | |
| MBNA Rewards World Elite Mastercard | $125 | 30,000 bonus points (terms) | |
| MBNA True Line Mastercard | $100 | 0% interest on balance transfers for 12 months (terms) | |
| TD First Class Travel Visa Infinite | $100 | Up to 165,000 bonus points (terms) | |
| TD Cash Back Visa Infinite | $100 | 10% cash back on eligible purchases for the first 3 months, first year fee rebate (terms) | |
| Scotiabank Gold American Express | $105 | Up to 50,000 bonus points, first year free (terms) | |
| Loop Card | $100 | None | |
| KOHO Essential Mastercard | $75 | $20 after the first purchase | |
| KOHO Extra Mastercard | $75 | $20 after the first purchase | |
| KOHO Everything Mastercard | $75 | $20 after the first purchase | |
| BMO CashBack Business Mastercard | $100 | 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for the first 3 months (terms) |
1. American Express Cobalt
The best credit in Canada is on GeniusCash – the
To get you started, you can earn up to 15,000 welcome bonus Amex Membership Rewards points.
On all your purchases, you'll earn plenty of some of the most valuable rewards points in Canada:
- 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
Each point is worth up to 2 cents each, giving you a return of up to 10% on your spending.
And to make things even better, we're offering $100 in GeniusCash.
2 & 3. Tangerine Mastercards
Both of Tangerine's Mastercards have GeniusCash offers – the
These are nearly identical cards – the World version just has a few more features than the other (plus higher income requirements).
First, the welcome bonus. Earn an extra 10% cash back for the first 2 months, up to $1,000 spent.
And for your rewards on purchases, you get to choose which categories you'll earn 2% cash back in.
Here are your choices:
You get to choose 2 categories if you deposit your cash back rewards as a statement credit, or 3 categories if you get them deposited into a Tangerine Savings Account.
Both Tangerine cards are also for no annual fee. The standard version has a $12,000 personal income requirement, and the World version requires either a personal income of $60,000 or $100,000 household.
If you meet the income requirements, the World version provides a few more benefits.
They include:
- mobile device insurance,
- Mastercard Airport Experiences membership (each visit costs US$32), and
- car rental insurance.
The Tangerine Money-Back Credit Card is offering $125 GeniusCash, and the Tangerine World Mastercard has a $100 offer.
×1 Award winner 
$125 GeniusCash + Up to $100 bonus cash back* + 1.95% on balance transfers for 6 months.*
GC: $125
1x Award winner GC: $125
4. RBC Avion Visa Infinite
The
First, you'll earn 55,000 points after your account is approved and you spend $5,000 in the first 6 months. Those are worth up to $1,281.5 when you redeem for travel.
Then, couple our GeniusCash offer of $100 on top of that, and the grand total comes to $1,381.5. An amazing offer for this card.
Plus, you'll earn 1 point for every $1 spent (and 25% more on travel purchases) for a standard annual fee of $120.
×1 Award winner GC: $100
1x Award winner 5. RBC Avion Visa Infinite Privilege
The
The welcome bonus is larger – you can earn up to 70,000 bonus points.
The rewards are also slightly increased, as this card offers 1.25 points per $1 spent on everything.
And the perks are increased as a Visa Infinite Privilege card, which includes an airport lounge membership with 6 free passes with Visa Airport Companion.
6. MBNA Rewards World Elite Mastercard
We're offering $125 in GeniusCash with one of the best travel cards in Canada – the
First, the welcome bonus. You'll get 30,000 welcome bonus points after spending $2,000 in the first 90 days and signing up for paperless e-statements.
As to what you'll earn on all your purchases, here's what you'll get:
- 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
Each of these MBNA Rewards points is worth up to 1 cent each, for an average return of 2.86% – an excellent return – that's what makes it one of the best cards around.
×4 Award winner GC: $125 + $25
4x Award winner 7. MBNA True Line Mastercard
If saving on credit card debt is your goal, you'll want to learn more about the
The balance transfer is unmatched in Canada. You'll pay 0% interest for 12 months. Plenty of money being saved on interest payments that can go directly to paying your balance.
And that's not all – the permanent low rates keep on coming once your balance transfer promo is over. You'll get a low rate of 12.99% on purchases and balance transfers (24.99% on cash advances).
And it's all for no annual fee. Plus we're offering $125 GeniusCash with this card.
×2 Award winner GC: $135
2x Award winner 8. TD First Class Travel Visa Infinite
TD's flexible rewards credit card has a massive offer right now. The TD First Class Travel Visa Infinite is offering up to 165,000 points after spending $5,000 in the first 180 days.
The fun doesn't end there. Here's what you'll earn on all your purchases:
- 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
To top it off, you'll get an annual travel credit worth $100 to use at Expedia For TD.
And our kicker – $100 GeniusCash.
GC: $25
9. TD Cash Back Visa Infinite
For cash back on purchases and one of the rarest and most useful perks on offer in free roadside assistance, you can turn to the TD Cash Back Visa Infinite.
To get you started, you 'll earn 10% cash back on eligible purchases for the first 3 months, up to $3,500 in spend.
Afterwards, you'll get:
- 3% cash back on gas, groceries, EV charging, public transit, digital gaming, and recurring bills
- 1% cash back on all other purchases
As mentioned, it includes roadside assistance, a very rare credit card perk, and can help offset the $139.
And we're offering $100 GeniusCash on top.
GC: $100
10. Scotiabank Gold American Express
One of the best flexible rewards credit cards out there is the
You'll start out with 50,000 points after spending $2,000 in the first 3 months and $7,500 in the first year.
And on your daily 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
But what are they worth? These Scene+ points can be used for a lot of different things – but travel gives you the best value, where each point is worth 1 cent each. (You can learn more about Scene+ here).
Finally, this card also offers 12 types of insurance and no foreign exchange fees, all for an annual fee of $120, and a low personal income requirement of $12,000.
And the GeniusCash offer for this card? $105 when you get approved.
×1 Award winner GC: $60
1x Award winner 11. Loop Card
For the business owner who needs a break from foreign exchange fees, the
If you spend a lot of money in U.S. dollars, Euros, or British Pounds, and pay your bill in those currencies, you won't pay any foreign exchange fees. In any other currency, you'll still pay a low fee of 0.5%.
On top of that, you'll earn 1 point for every $2 spent, which can be redeemed for various gift cards. All of this for no annual fee.
As to our GeniusCash offer, we'll give you $100 for getting approved.
12 & 13 & 14. KOHO Mastercards
If you're in the market for a prepaid card, the entire KOHO lineup is on GeniusCash, with a $75 offer for each of them.
The difference between them? As you pay more in monthly fees, you'll increase the cash back you earn on purchases and the interest you can earn on your balance.
Here's where you can check out the details of each one.
15. BMO CashBack Business Mastercard
For the business owner looking for a new credit card, we're offering $100 GeniusCash with the
A no fee cash back card, here's what you'll earn for rewards:
- 1.75% cash back at Shell
- 1.5% cash back on gas, office supplies, and cellphone/internet bills
- 0.75% cash back on all other purchases
And you'll also earn a little extra after you sign-up – 10% cash back on gas, office supplies, and recurring cell phone/internet bills for the first 3 months.
×1 Award winner GC: $100
1x Award winner More cash back credit card offers with GeniusCash
You also have some smaller GeniusCash offers available.
While they don’t have the large bonuses you’ve just seen, it’s still extra cash in your pocket. Here are the cards with small GeniusCash offers.
| Credit Card | GeniusCash offer | Welcome Bonus | Learn More |
|---|---|---|---|
| Scotiabank Scene+ Visa | $20 | 5,000 bonus points (terms) | |
| Scotiabank Value Visa | $20 | 0.99% interest on balance transfers for 9 months (terms) | |
| TD Platinum Travel Visa | $20 | Up to 50,000 bonus points (terms) | |
| TD Rewards Visa | $20 | Up to 15,152 bonus points (terms) |
See all GeniusCash offers here.
GeniusCash offers side-by-side
But how do all your GeniusCash offers compare?
Here’s how your top 14 options look side by side in 3 key areas.
Annual fee
First, the annual fees:
Across all these offers, you mostly have either standard or no annual fees.
But what this chart doesn’t show is that most cards with an annual fee are actually offering first year free deals. That means you get to take the card for a test drive while also taking advantage of its huge welcome bonus (boosted by GeniusCash).
Estimated first year value
So how much value can you squeeze out of these cards in your first year? Here’s our estimation, based on:
- welcome bonus value,
- GeniusCash value,
- estimated annual rewards (based on a typical $2k monthly spend), and
- annual fee savings (for cards that have a first year free offer).
There’s a lot of value here among these cards.
Income requirements
Finally, the income requirements. Here’s what you’ll need to meet to be eligible for these cards.
For the most part, these are pretty standard income requirements for each type of card – but still important to keep in mind before applying.
Your turn
GeniusCash is your latest way to get even more from your credit cards.
Will you take us up on one of our offers?
Got some GeniusCash and want to share your experience?
Let us know in the comments below.
FAQ
What is GeniusCash and how does it work?
GeniusCash is extra cash back you can earn on select credit cards. Apply for an eligible card on creditcardGenius, and you can receive up to $200 if you’re approved.
I’ve just been approved for a GeniusCash offer. When will I get my cash back?
Once you’ve been approved, it can take up to 12 weeks to receive your GeniusCash. If it’s been more than 4 weeks and you still haven’t heard from us, feel free to open a ticket on your creditcardGenius dashboard.
Where can I see all GeniusCash offers?
You can view all of our current GeniusCash offers here.
What’s the best cash back credit card in Canada?
The best cash back credit card in Canada right now is the MBNA Rewards World Elite Mastercard, which offers up to 4% cash back on purchases. You can also earn $100 in GeniusCash.
creditcardGenius is the only tool that compares 126+ features of 229 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 229 cards is for you.
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