--> --> How To Read A Credit Card Statement | creditcardGenius --> --> -->   App Exclusive: $175 GeniusCash on a travel card with up to 100K bonus points! 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! Up to $175 cash back on select, high benefit credit cards See card offers Best Credit Cards Best Credit Cards Best Credit Cards Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Blog, News & Deals Blog, News & Deals Blog, News & Deals Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? Air Miles Rewards Aeroplan Rewards Amex Membership Rewards BMO Rewards RBC Rewards Perks & Insurance Mobile Phone Insurance Rental Car Insurance Trip Cancellation Insurance Purchase Insurance Roadside Assistance Travel Insurance for Age 65 & Over GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Your Credit Score Your Credit Score Your Credit Score Cards By Credit Score Poor Credit Fair Credit Good Credit Very Good Credit Excellent Credit Credit Score 101 An Infographic Guide To Your Credit Score What Is A Good Credit Score? Does Applying For A Credit Card Hurt Your Credit Score? Soft Credit Check Vs. 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 GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Credit Card Quiz × GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers $150 Cash Back Compare Credit Cards Credit Cards in Canada 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. Best Credit Cards Best Credit Cards for 2025 Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa Blog, News & Deals Latest Blog Articles Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? Air Miles Rewards Aeroplan Rewards Amex Membership Rewards BMO Rewards RBC Rewards Perks & Insurance Mobile Phone Insurance Rental Car Insurance Trip Cancellation Insurance Purchase Insurance Roadside Assistance Travel Insurance for Age 65 & Over Your Credit Score Credit Score Guide Cards By Credit Score Poor Credit Fair Credit Good Credit Very Good Credit Excellent Credit Credit Score 101 An Infographic Guide To Your Credit Score What Is A Good Credit Score? Does Applying For A Credit Card Hurt Your Credit Score? Soft Credit Check Vs. 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 How To Read A Credit Card Statement Written by creditcardGenius Team   updated on Mar 12, 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. Your credit card statement is a detailed summary of your card activity over the past 30 days, including your balance , due payment, and payment deadline. Learning to read and understand this statement is crucial for managing your finances effectively, avoiding unnecessary interest charges, and spotting billing mistakes. In this guide, we’ll explain how to navigate your credit card statement for better financial management. Key Takeaways A statement shows how you used your credit card during the last 30 days, how much money you currently owe, and when you need to pay it. Your bank delivers one statement per month and expects payment before the next one arrives. Paying the total card balance listed on your statement resolves your debt and saves you from paying interest. Paying the minimum balance listed on your statement keeps your account in good standing at the cost of interest charges. You can request help from your bank or credit union in reading and understanding your credit card statement. In this article Show table of contents 10 credit card statement essentials 1. Account information 2. Billing period 3. Credit card balance 4. Minimum payment 5. Payment due date 6. Credit card’s interest rates 7. Transaction history 8. Credit card rewards 9. Available credit 10. Bank contact information How to spot fraudulent charges How long to keep statements FAQ 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 . 10 credit card statement essentials Over 40% of Canadians have difficulty reading and understanding their credit card statements – and for good reason. Every bank in Canada labels and organizes information differently, making it a struggle to figure out how much money you owe, how to pay, and when. We're putting your paperwork into plain language as part of our series on how credit cards work. Here’s how to find the 10 most essential pieces of info on your credit card statement, what they mean, and what to do with them. 1. Your account information Also known as: Account details, cardholder details, or cardholder information Where to find it: At the top of the page What it contains: Your name Your address The name of your card Your account number The names of anyone else officially listed on your credit card Your account information confirms you’ve received the right credit card statement. Every credit cardholder can receive an electronic or paper statement , including the primary cardholder, additional cardholders, and joint borrowers. Check your account information to see if it is correct and up-to-date, and call your bank if it’s not. 2. Your credit card billing period Also known as: Billing cycle, billing start/end date, statement opening/closing date, statement period, or statement start/end date Where to find it: At the top of the page or under "Account Information" or “Account Summary” What it contains: The date your billing period began The date your billing period ended Every statement covers a credit card billing period, lasting 28 to 31 days. Banks, credit unions, and other credit card issuers usually send their customers 12 credit card statements per year or roughly 1 per month. Check the billing period to make sure you’re looking at your most recent and up-to-date credit card statement. You may not receive a statement if you haven’t used your credit card for 3 months, your balance is $10 or less, or your card is suspended or cancelled. 3. Your credit card balance Also known as: Account balance, amount due, new balance, or total balance Where to find it: At the top of the page or under "Account Summary" What it contains: How much money you owe, including any overdue amounts How much money you’ve borrowed to date How much money you’ve paid to date Any credit card fees you have to pay Any interest fees you have to pay Your credit card balance represents how much money you currently owe on your credit card, including everything you’ve borrowed and repaid to date. Paying your card’s balance before the due date helps you avoid interest and negative impacts on your credit score . Check your credit card balance to see how much debt you carry and if you can afford to pay off your credit card . 4. Your minimum payment Also known as: Minimum amount due Where to find it: At the top of the page or under "Account Summary," “Payment Information,” or “Payment slip” What it contains: Your credit card’s minimum payment How long it’ll take to pay your credit card balance if you make only the minimum payment each month Your minimum payment is the least amount of money you can pay to keep your credit card in good standing and prevent your credit score from dropping. But it won’t prevent your bank from applying interest fees. Check your credit card’s minimum payment to help you decide what to pay this month. It’s always better to pay more than the minimum. Credit card minimum payment = the higher of $10 + credit card interest + credit fees OR % of credit card balance 5. Your payment due date Also known as: Minimum payment due date Where to find it: Next to your minimum payment or under "Account Summary," “Payment Information,” or “Payment Slip” Your payment due date shows how long you have to pay your current credit card balance (or minimum payment) before your bank applies interest or late payment fees. Check your credit card payment due date to see if you can make your chosen payment amount in time. Remember, Canadian banks take 2 to 3 business days to process payments . Set a reminder alarm or contact your bank if you think you’ll be late. 6. Your credit card’s interest rates Also known as: Annual interest rate, monthly interest rate Where to find it: At the end of your statement, in the fine print, or on the back of the pages What it contains: The interest rate applied to purchases The interest rate applied to cash advances The interest rate applied to balance transfers Promotional interest rates Late payment penalty interest rates Credit card interest is the fee your bank charges for borrowing money. Although it might be labeled "annual" or “monthly,” interest is calculated and applied daily. If you pay off your credit card balance each month, you’ll get a 21 to 55-day interest-free grace period on new purchases. Unfortunately, cash advances don’t have grace periods and often have higher interest rates. Interest fees are the number one reason Canadians fall into credit card debt . Check your credit card’s interest rates to see which transactions are more expensive and calculate how much interest you'll pay if you don’t pay off your card. Credit Card Interest Calculator Current Balance $ Monthly Payment $ Current Rate 20 20% New Rate 20 20% Months to pay balance: 25 Total paid: $ 2,453.20 Interest paid: $ 453.20 Interest savings: $ 0.00 7. Your transaction history Also known as: Account activity, account history, charges and credits, details of your transactions, or statement activity Where to find it: Look for a list of dates, vendor descriptions, and charges below your account summary What it contains: Every transaction made in the previous billing period Transaction dates Posted dates Merchant names and descriptions Amounts charged and credited A credit card transaction is any purchase, payment, or other action you make with your credit card. The transaction date is the day you made the action, and the posting date is when your bank officially confirmed and added it to your credit card balance up to 5 days later. Check your credit card’s transaction history to ensure you were charged the correct amount, and look for any transactions you don’t remember, which could indicate fraud. Call your bank if you notice anything suspicious. Some banks list shortened merchant names and others add different icons for clothes, groceries, restaurants, etc. Some banks mark purchases with a ‘-’ and payments with a ‘+’ and others don’t. Look for a few transactions you recognize to learn what system your bank uses. 8. Your credit card rewards Also known as: Cash back summary, points summary, or rewards summary Where to find it: On the side or at the bottom of the page What it contains: Cash back or points earned Cash back or points deducted Total cash back or points currently on your credit card The best rewards credit cards in Canada give you cash back or points each time you use your credit card. You can spend the cash however you’d like, or redeem points for exciting rewards. Check your credit card rewards to see how much money or points you earned during the last billing period. If you aren’t getting as much cash back or points as you feel you should be, contact your bank. 9. Your available credit Also known as: Remaining credit, spending power Where to find it: Near your credit card balance or under "Account Summary" What it contains: How much money you borrowed during your last billing period How much money you can still borrow using your credit card Using your credit card to make a purchase, transfer a balance, or get a cash advance subtracts from your available credit, or how much money your bank will lend you. Paying off your credit card adds to it. If you make sure the amount of credit you use is low and the amount of credit available to you is high, you can improve your credit score. Check your credit card’s available credit to see whether you’ve got enough spending power for big purchases and emergencies. 10. Your bank’s contact information Also known as: Customer service, customer support Where to find it: At the top of the page, at the bottom of the page, in the fine print, or on the back What it contains: Your bank’s customer service contact information Your bank’s customer service hours Canadian banks, credit unions, stores, and other credit card issuers must provide a local or toll-free telephone number that you can use to get in touch. You can also reach out via mail, email, or chat. Use your bank’s contact information to ask them to explain your credit card statement or help you find a particular piece of info. If you see a strange transaction, lose your credit card, or have your wallet stolen, report it immediately. You can also ask your bank for a payment holiday or to move your payment due date so it falls on a more convenient day. By law, your bank may only hold you responsible for up to $50 of unauthorized charges and must give you a way to report and resolve them . How to spot fraudulent charges on your credit card statement Spotting fraudulent charges on your credit card statement is the first step in protecting yourself from unauthorized transactions. Here are some tips on how to identify suspicious activity: !ccg-list Review your transactions regularly: Make it a habit to look over your credit card statement every month. The more often you do this, the easier it will be for you to remember charges and the faster you can catch fraudulent ones. Look for unfamiliar charges: Fraudsters often start with small, unfamiliar charges, as they tend to go unnoticed. Pay attention to any charges that seem out of place, especially if they’re from merchants or countries you haven’t done business with. Check for duplicate charges: Fraudsters will duplicate charges to test stolen credit card numbers. Compare your recent purchases to your statements to ensure that you’re not being billed multiple times for the same item or service. Pay attention to high-value purchases: Look for larger-than-usual transactions, especially electronics or travel bookings. If you notice a large purchase that you didn’t make, act quickly to alert your card issuer. Check the date and amount: Verify that the date and amounts of the transactions align with your spending habits. Fraudulent charges might occur at odd hours or involve unusual amounts. Use your bank’s alerts and monitoring tools: Many banks and issuers offer account alerts for large transactions, unusual activity, or purchases abroad. Setting up these alerts can help you catch fraudulent charges in real time. What to do if you spot fraudulent charges If you find any suspicious charges on your statement, report them to your credit card issuer immediately . They’ll typically block your card and issue a new one. You may also be entitled to a refund or reimbursement for unauthorized purchases. Be sure to act fast, as delaying the report could affect your ability to dispute the charges! How long should you keep your credit card statements? It's a good idea to hold on to your credit card statements for at least 1 year. However, there are specific circumstances that might require you to keep them longer: Tax purposes : If you’re using your credit card for business expenses or need to keep records for tax filing purposes, holding on to statements for 6 years is a good idea. The Canada Revenue Agency may ask for records from up to 6 years back in case of an audit. Dispute resolution : If you’re involved in a dispute with a merchant or the credit card issuer, it’s wise to keep the relevant statements for at least 6 months after the transaction date, as this is the time frame within which you can usually challenge charges. Tracking personal finances : If you’re managing your finances carefully and need to track spending over time, holding onto your statements for a year or two helps you review your spending habits over time. Once you’ve reviewed your statements and verified you don’t need them for tax or legal reasons, you’re pretty much safe to discard them after a year. Keeping electronic copies is also a good alternative for space-saving and easier access. FAQ What’s shown on a credit card statement? Credit card statements contain vital information like your credit card balance, minimum payment amount, and payment due date. Do you get statement notifications if you sign up for online credit card bills? Most Canadian credit card issuers send a courtesy email whenever you receive a new statement. You also have the right to receive electronic alerts whenever the credit available on your card drops below $100 or a pre-set amount. What’s the best time to pay my credit card? If you want to present the best picture to Canadian credit bureaus, pay off your credit card in one or two payments at least 7 days before the end of your billing period. If you need to keep some cash in your bank account, pay at least 3 days before the end of your billing period. Why aren’t my purchases earning credit card rewards? Credit card purchases only qualify for rewards if the store that made them falls into the right category. You can see how your credit card issuer categorizes stores by checking your statement or calling customer service. How long do I have to pay a credit card statement? You have until the payment due date to pay your current credit card statement, about 21 to 55 days. How do I get electronic credit card statements? To request online statements, contact your credit card issuer to give your verbal or written consent. You can withdraw your consent and go back to paper statements at any time. 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 Credit Card Authorization Forms: What They Are And How To Use Them How To Spot And Avoid Credit Card Skimmers Credit Score In Canada: What These 3 Digits Say About You How To Read A Credit Card Statement Comments Leave a comment Required fields are marked with *. Your email address will not be published. Post Comment Hot Credit Card Deals See details Get even more cash back with exclusive offers only available on the GeniusCash app Apply Now Up to 90,000 100,000 bonus points + 4 free lounge passes per year + $125 GeniusCash Ends Dec 31, 2025   GC:  $125 Apply Now Earn up to 165,000 bonus points + First year annual fee rebate + $20 GeniusCash Ends Nov 30, 2025   GC:  $20 Apply Now 0% interest for 12 months with Canada's #1 balance transfer promotion + $20 GeniusCash Ends Nov 30, 2025   GC:  $20 Apply Now Exclusive Offer: Up to $480 cash back in the first year + Roadside Assistance + $150 GeniusCash Ends Dec 31, 2025   GC:  $150 Apply Now Up to 50,000 bonus points + No foreign exchange fees + $100 GeniusCash Ends Dec 31, 2025   GC:  $100 Apply Now Get $120 bonus cash back + no annual fee + $120 GeniusCash Ends Dec 31, 2025   GC:  $120 See all November deals Our Original Research Study: How Much Is Your Credit Card Insurance Worth? Study: What Is A Good Credit Score in Canada ‒ And Is It Good Enough To Be Approved? Study: What Are Your Credit Card Benefits Worth? Study: Credit Card Trends In Canada During COVID-19 Must Read Best Credit Cards in Canada for 2025 Tangerine Money Back Credit Card Review – A Top No Annual Fee Mastercard Best Credit Cards For Bad Credit In Canada For November 2025 Your Guide To Expedia For TD Amex Cobalt Review: Why It’s Been #1 For 8 Years In A Row Best Instant Approval Credit Cards In Canada What's The Best Rewards Program In Canada? How To Maximize The TD Rewards Points Program How To Maximize The CIBC Aventura Rewards Program Most Recent What is Flexiti? Do You Lose Your Points If You Cancel Your Credit Card? $1,000 Christmas Giveaway Canada 2025 Personal Loans vs. Credit Cards – What's the Difference Best credit cards for Christmas and holiday shopping What’s important to you? 1 Cash Travel+ 1 Low Fees Insurance 1 Low Interest Perks 11 / 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. Latest Updates $175 GeniusCash + 0.5% extra cash back Up to 100,000 welcome bonus points 4 free lounge passes worth up to $200 First-year annual fee waived * What is Flexiti? Do You Lose Your Points If You Cancel Your Credit Card? $1,000 Christmas Giveaway Canada 2025 $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . *