--> --> Visa Infinite ‒ Your Guide To Visa's Premium Program | 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 Visa Infinite ‒ Your Guide To Visa's Premium Program Written by creditcardGenius Team   updated on Jun 20, 2024 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. Visa Infinite credit cards offer exclusive benefits and services, including access to the Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, Visa Infinite Complimentary Concierge, and more. The Visa Infinite Privilege program offers additional perks, including access to airport lounges. Many of the top Visa credit card options in Canada are Infinite or Infinite Privilege cards, largely due to the excellent benefits this program offers. The guide below discusses the best benefits that Visa Infinite cards offer and highlights some of our favourite Visa Infinite card options. Key Takeaways The Visa Infinite perks and benefits are available to those who hold Visa credit cards with this specific designation. Premium services provided by the program include its Luxury Hotel Collection, Dining Series, and complimentary concierge assistance. The top cards in this category include the RBC Avion Visa Infinite, Scotiabank Momentum Visa Infinite, Scotiabank Passport Visa Infinite, and TD Aeroplan Visa Infinite card. 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 . In this article Show table of contents What is Visa Infinite? Perks and benefits Visa Infinite vs. Visa Infinite Privilege Visa Infinite credit cards FAQ What is Visa Infinite? The Visa Infinite program is the highest level of Visa-branded credit card. It’s geared towards high earners who are looking for top-tier benefits from their credit cards. Visa Infinite benefits are provided by Visa, but it’s actually the credit card issuer that decides whether a particular benefit or perk is included on their Visa Infinite-branded card. Plus, many issuers add their own perks on top of the Infinite ones. Visa Infinite perks and benefits With a Visa Infinite credit card in your wallet, you’ll enjoy a range of insurance coverages, Priority Pass membership, roadside assistance, and much more. Here are a few of the most exclusive highlights. Visa Infinite Luxury Hotel Collection What it is: The Visa Infinite Luxury Hotel Collection is a curated selection of over 900 prestigious hotels and resorts around the world that offer exclusive benefits and privileges to Visa Infinite cardholders. What you get: When you use your Visa Infinite or Visa Infinite Privilege card to reserve a stay at a Hotel Collection property, you'll automatically enjoy: The best available rate A free room upgrade (subject to availability) A US$25 food or beverage voucher Daily breakfast for 2 people VIP guest status Free in-room internet access Late 3 PM checkout (subject to availability) Visa Infinite Dining Series What it is: The Visa Infinite Dining Series is updated each season and gives cardholders exclusive access to dining experiences at new restaurants throughout the country. What you get: You'll be able to purchase tickets that might not otherwise be available to Instagram-worthy culinary events in all of Canada's biggest cities – Toronto, Vancouver, Calgary, Ottawa, and Montreal. Each event is exclusive for Visa Infinite and Visa Infinite Privilege cardholders and includes: A multi-course meal Wine or cocktail pairings An experience with renowned chefs, sommeliers, and mixologists Visa Infinite Complimentary Concierge What it is: Your Visa Infinite credit card concierge can help you make hotel or restaurant reservations, plan a party, order flowers, get tickets to the hottest shows, and more. What you get: Enjoy 24/7 access to a concierge who will do the research and heavy lifting so that you don’t have to. Your complimentary concierge is available by phone. If you’re outside of Canada, you can place a collect call to the concierge. Visa Infinite vs. Visa Infinite Privilege The biggest difference between Visa Infinite and Visa Infinite Privilege is the number of benefits you'll receive. The Privilege program gives you access to all the regular Visa Infinite perks – and then some. This might include: Global Airport Lounge Access with 6 complimentary visits at Visa Airport Companion lounges Dedicated VIP security fast track lane at Montreal, Ottawa, Toronto-Billy Bishop, and Vancouver International airports Airport parking at Ottawa and Vancouver International airports Valet discounts at Montreal, Ottawa, and Vancouver International airports There are a couple of other key differences between the card programs: Income requirements: Most Visa Infinite cards require at least $60,000 personal or $100,000 household income. In contrast, most Infinite Privilege cards require $200,000 household income. Fees: Visa Infinite Privilege cards tend to have much higher annual fees – typically around $399 to $599 vs. about $120 for Visa Infinite cards. Visa Infinite vs. Visa Infinite Privilege card comparison To illustrate the differences, we're comparing 2 cards from the same family – the BMO eclipse Visa Infinite * Card and the BMO eclipse Visa Infinite Privilege * Card. Feature BMO eclipse Visa Infinite Card BMO eclipse Visa Infinite Privilege Card Sign-up bonus $150 GeniusCash + Up to 70,000 bonus points, first year free ( terms ) Up to 120,000 bonus points ( terms ) Rewards * 5 BMO Rewards points for every $1 spent on dining, groceries, gas, and transit * 1 point per $1 spent on all other purchases * 5x BMO Rewards points for every $1 spent on travel, dining, gas, groceries, and drugstores * 1 point per $1 spent on all other purchases Visa Infinite perks * Visa Infinite Luxury Hotel Collection * Visa Infinite Concierge * Visa Infinite Dining Series * Visa Infinite Luxury Hotel Collection * Visa Infinite Concierge * Visa Infinite Dining Series * Global Airport Lounge Access with Priority Pass * Priority security lane at Montreal-Trudeau, Vancouver, and Ottawa International airports * Parking discounts at Montreal-Trudeau, Vancouver, Toronto-Billy Bishop, and Ottawa International airports * Premium parking spots at Vancouver and Ottawa International airports Other benefits * $50 annual lifestyle credit * 10% bonus points when you add an authorized user * $200 annual lifestyle credit * 25% bonus points when you add an authorized user Annual fee $120 $599 Income requirements $60,000 personal or $100,000 household $150,000 personal or $200,000 household As expected, the BMO eclipse Visa Infinite Privilege Card has much more to offer – but it also has higher income requirements and a much higher annual fee. The BMO eclipse Visa Infinite Card starts you off with up to 70,000 bonus points and earns you similar rewards of up to 5 points per $1 spent on the card. You’ll also get an annual $50 lifestyle credit, 10% bonus points when you add an authorized user, and a discount on fuel at Shell – and you’ll pay a lower annual fee for it all. So it's the extra perks that make the difference with the BMO eclipse Visa Infinite Privilege Card – and whether or not they're worth the $599 annual fee is up to you. Here are a few Visa Infinite Privilege cards to consider: RBC Avion Visa Infinite Privilege 3.4 Genius Rating 3.1 (35) User reviews ×1 Award winner Annual fee $399.00 Learn more Welcome bonus $1,751 ◊ 70k points + $120 Annual rewards $699 ◊ Learn more Apply Now Learn More RBC Avion Visa Infinite Privilege 3.4 Genius Rating 3.1 (35) User reviews 1x Award winner Annual fee $399.00 Learn more Welcome bonus $1,751 ◊ 70k points + $120 Annual rewards $699 ◊ 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 TD ® Aeroplan ® Visa * Infinite Privilege * Credit Card 2.5 Genius Rating 2.5 (4) User reviews Annual fee $599.00 Learn more Welcome bonus $1,700 ◊ 85,000 points Annual rewards $666 ◊ Learn more Apply Now Learn More TD ® Aeroplan ® Visa * Infinite Privilege * Credit Card 2.5 Genius Rating 2.5 (4) User reviews Annual fee $599.00 Learn more Welcome bonus $1,700 ◊ 85,000 points Annual rewards $666 ◊ 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 BMO eclipse Visa Infinite Privilege * Card 1.9 Genius Rating 3.0 (6) User reviews Earn up to 120,000 points + 5x points + $200 annual lifestyle credit. * Annual fee $599.00 Learn more Welcome bonus $335 ◊ 50,000 points Annual rewards $450 ◊ Offer Ends: Jan 31, 2026 Apply Now Learn More Instant approval: Yes Credit estimate: BMO eclipse Visa Infinite Privilege * Card 1.9 Genius Rating 3.0 (6) User reviews Earn up to 120,000 points + 5x points + $200 annual lifestyle credit. * Annual fee $599.00 Learn more Welcome bonus $335 ◊ 50,000 points Annual rewards $450 ◊ Offer Ends: Jan 31, 2026 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 Best Visa Infinite credit cards If you want access to Visa Infinite and Visa Infinite Privilege perks, you'll need a Visa Infinite credit card. It just so happens that these credit cards come out on top in several categories. Here are some of the most noteworthy, in addition to the 2 that we've already covered above. TD Aeroplan Visa Infinite Card TD ® Aeroplan ® Visa Infinite * Card 1.1 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 $0 ◊ 45,000 points Annual rewards $0 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: TD ® Aeroplan ® Visa Infinite * Card 1.1 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 $0 ◊ 45,000 points Annual rewards $0 ◊ 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 One of Aeroplan's top branded cards, the TD ® Aeroplan ® Visa Infinite * Card provides plenty of perks related to Air Canada travel – and all for a reasonable $139 annual fee. Earn 1.5 points for each dollar spent on gas, groceries, and Air Canada purchases. And since each Aeroplan point is worth 2 cents, you're getting a 3% return on all of these purchases – plus another 2.33% return on all other spending. You'll also receive free checked bags on Air Canada and preferred pricing on reward flights. Scotiabank Passport Visa Infinite Card Scotiabank Passport Visa Infinite Card 3.0 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 3.0 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 What stands out the most about the Scotiabank Passport Visa Infinite Card is its lack of foreign exchange fees. We crowned it one of the best foreign exchange travel credit cards for that very reason. RBC Avion Visa Infinite RBC Avion Visa Infinite 3.4 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 3.4 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 RBC Avion Visa Infinite is the best Visa card in Canada. It only offers up to 1.25 points per $1 spent on purchases – but considering that each point is worth up to 2.33, it offers an incredible return of 2.91 points on purchases. Scotia Momentum Visa Infinite Card Scotia Momentum ® Visa Infinite * Card 4.3 Genius Rating 3.2 (77) User reviews $20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $159 ◊ 10% cash back Annual rewards $498 ◊ GC Ends: Dec 31, 2025 GC: $20 I Want This Deal Learn More Instant approval: Yes Credit estimate: Scotia Momentum ® Visa Infinite * Card GC: $20 4.3 Genius Rating 3.2 (77) User reviews $20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $159 ◊ 10% cash back Annual rewards $498 ◊ 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 As one of the best cash back credit cards in Canada , the Scotia Momentum ® Visa Infinite * Card is hard not to notice. Giving you up to 4% cash back on top spending categories, this is the highest available cash back earn rate on the Canadian credit card market right now. What do you think of the Visa Infinite program? From where we're sitting, the Visa Infinite program makes it relatively easy to live a life of luxury – all you need is the right credit card in your wallet. Consider all of the perks provided by the program itself, plus the benefits of the individual credit cards, and you're sitting pretty. Do you have a Visa Infinite card? What is your favourite perk? Leave us a comment below! FAQ What is the Visa Infinite program? Along with the perks of your credit card itself, the Visa Infinite program offers a standard set of benefits for Visa Infinite cardholders. Some of these advantages include concierge service, the Luxury Hotel Collection, and Visa Infinite Dining Series. What is the best Visa Infinite credit card? The best Visa Infinite credit card is the RBC Avion Visa Infinite for its high rate of return on spending, insurance, and other perks. Other top cards include the Scotiabank Momentum Visa Infinite and TD Aeroplan Visa Infinite cards. Who issues Visa Infinite credit cards in Canada? The main issuers of Visa Infinite credit cards in Canada are Scotiabank, RBC, TD, BMO, and CIBC. Each has its own line of cards with unique features, eligibility requirements, insurance coverage, and benefits for cardholders. 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 The BMO Eclipse Visa Infinite Credit Cards Head-To-Head New Credit Card Alert! The Scotiabank Passport Visa Infinite Privilege Is Here TD Aeroplan Visa Infinite Privilege vs. Amex Platinum Get Ready for the Wealthsimple Visa Infinite Privilege Card Comments Leave a comment Required fields are marked with *. Your email address will not be published. Post Comment Showing 5 comments Simon January 30, 2024 I have a CIBC VISA Infinite card. Recently a bad merchant must have gathered the card info so they could add my card to their Apple Pay wallet (I only use Android) and try to go spending with it. I thought this would be a simple case of cancel / lock the card and get a new one, but no... Initially I went into my CIBC app to try and flag the first fraud transaction. The app forced me to call a number which made me wait for 90 minutes on the phone -- note: no option for a call back, etc -- early on a Sunday evening. I told the customer service agent this was unacceptable and I'd like to speak to a supervisor and they said that no supervisors work at the weekend and my only option was for him to write a complaint on my behalf and a supervisor may call be back if they feel it is warranted. Then at the end of the call the customer service agent said they do not have access to another system and they'll have to transfer me again. I asked how long this time, and they replied: 2 hours! I asked if I can call back tomorrow, for this call, and they said yes. I called back the next day and this time waiting 1 hour 50 minutes to be connected. Then I had a 40 minute interaction with the customer service agent. This agent told me that supervisors are never available and that he can write down my complaint and I might get a call back from a supervisor. Interestingly, the CIBC system had my card marked as a so-called Account Takeover / ATO which means they think one of my passwords is compromised, and therefore they will not send the new card directly to my home address because it's too risky and the post box might be comprised [1]. So I have to pick the new card up from a nearby branch. However, I work in the security industry as and none of my passwords are compromised. I asked why this is marked as an ATO and he said he is non-technical and cannot say. I asked who else I can speak to regarding the 3 to 4 hours of my time on the phone, or the ATO thing. He said... nobody, but he can create a complaint on my behalf, which he did. Nobody has called me so far about this... At the end of the call he also transferred me to a different department. But after another 20 minutes wait then the line went dead. Turns out that my cell phone ran out of battery and the whole phone went dead. Although the customer service agent told me he would call me back if we got disconnected, I guess this did not apply to the case where I was being transferred, because nobody called me back for this. This is also the first time that my cell phone has ever failed me because the calls are too long! Is this where we have got to with credit cards? After 3 to 4 hours on the phone, it feels like what happens with airlines when they cancel flights, etc, and you're at their whim. Only with airlines there are rules in place for compensation, etc. But can it be with credit cards, there is no way to complain? No place to write a review? And no obvious way to find a better card service for a case like this? Yes, I have seen on this website that some cards have so-called priority queues for calling. But presumably that's for their regular services, and not for cases like fraud? TBH I wouldn't have minded if CIBC had a call back system, and called me back after 1 or 2 hours. At least then I'm not hanging around on the phone waiting for them. Which other credit cards have a call back system implemented? Finally, I also got an email from CIBC: "This credit card has been cancelled and a new card will arrive in approximately 4 - 10 business days. If you are using a mobile wallet, your new card can be used immediately." This also makes me think, oh boy, does that mean the fraudsters who added my card to the Apple Pay wallet will get an automatic update they can start using immediately?! The customer service agent kept blaming VISA, saying VISA rules force them to class this as an ATO, etc. How can I complain to VISA? And does VISA have standards regarding how long customers have to hang around on the phone? Where can I complain to VISA? [1] Why do they think the post box might be compromised. Because when card is added to the Apple Pay wallet then the 3 digit code is needed from the back of the card, and they think that may be intercepted at the post box, and that's how the fraudsters get the info. Reply Andy May 10, 2019 Hi, I were about to sign up on the vi website after reading your blog, while I found that after receiving the verification email, there is no place for me to choose a password and the profile is not created on the visa infinite.ca website, May I know do I have to enroll through my bank? Thank you ! Reply creditcardGenius Team May 15, 2019 Hey Andy, In order to register on the Visa Infinite website, you need a valid Visa Infinite credit card. To register, you just have to enter your card number and personal information. You don't have to enroll through your bank. Reply Gary March 15, 2019 Hi Steve. First, thanks for all the great info you continue to post, it's been very helpful. In reviewing the Visa Infinite and Infinite Privilege perks above (before comparing the TD cards), you have listed that the Privilege cards come with lounge access, however there are a few Infinite cards that offer that as well. I have the Scotia Passport Visa and I have to say, the perks on that card were a big selling feature. It comes with 6 lounge passes but in addition it comes with some of the best insurances of any other Infinite card...like emergency medical for 25 days (the best I've seen), and emergency coverage for 65yrs+ for a period of 10 days (might be a best in class). The sign up bonus isn't as big as others but the perks seem pretty good. Thanks and keep up the great work on this. Reply creditcardGenius Team March 18, 2019 Thanks so much for the positive feedback, Gary. And you're right about the Visa Infinite cards – some of them come with lounge access. The reason why we chose not to include it as a perk here, however, is because not all Visa Infinite cards do. 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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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