--> --> American Express Platinum November 2025 | 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! 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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 American Express American Express American Express Platinum ® Card 4.4 Genius Rating 2.7 (16) User reviews ×2 Award winner 100,000 bonus points + The most perks of any credit card. * Looking for a credit card that will give you the most benefits and VIP status of any card available? The American Express Platinum Card will not only earn you rewards, but offers great benefits and perks while travelling. Get travel discounts, airport lounge access and more with this card. See rates Annual fee Learn more $600 ◊ Welcome bonus 30,000 points $588 ◊ Annual rewards Learn more Find your top card | Read our disclosure 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. Apply Now Add to wallet Credit estimate:  (560 - 659) Instant approval: Yes American Express American Express American Express Platinum ® Card 4.4 Genius Rating 2.7 (16) User reviews 2x Award winner Apply Now Add to wallet 100,000 bonus points + The most perks of any credit card. * Looking for a credit card that will give you the most benefits and VIP status of any card available? The American Express Platinum Card will not only earn you rewards, but offers great benefits and perks while travelling. Get travel discounts, airport lounge access and more with this card. See rates Annual fee Learn more $600 ◊ Welcome bonus 30,000 points $588 ◊ Annual rewards Learn more Credit estimate:  (560 - 659) Instant approval: Yes Find your top card | Read our disclosure 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 . Monthly Spending: $ View Breakdown Pros & Cons Your Rewards Compare Cards Details and Eligibility Insurance Coverage Genius Rating Our Review Key Benefits User Reviews (16) Pairs Well With Pros & cons Pros Get up to 100,000 welcome bonus points. Earn up to 2 points per $1 spent on purchases. More perks than any other credit card in Canada. $400 in annual travel and dining credits. Unlimited airport lounge access at over 1,400 lounges. 4 ways to redeem points for high value. 11 types of insurance included. Cons Lower acceptance as an American Express. High annual fee of $799. Your rewards Getting your welcome bonus Based on $2,000 in monthly spending, you can get up to 30,000 points which translates to an estimated $600 . ◊ For all welcome bonus details click here . How you earn rewards Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With American Express Platinum Card , here's how you earn rewards: 2 points per $1 spent on restaurants and travel 1 point per $1 spent on all other purchases For all reward details click here . How much your rewards are worth The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For American Express Platinum Card in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose: Transfer points to Aeroplan $588   Fixed Points Travel Program $515 Transfer points to Marriott Bonvoy $341   Any travel $294 Statement credits $294   Charity donations $294 Gift Cards $226   Shopping at Amazon.ca $206 Merchandise $200   Transfer points to Aeroplan $588 Fixed Points Travel Program $515 Transfer points to Marriott Bonvoy $341 Any travel $294 Statement credits $294 Charity donations $294 Gift Cards $226 Shopping at Amazon.ca $206 Merchandise $200 Learn more about American Express Membership Rewards. This card doesn't offer any rewards. Rewards Points Calculator Enter your rewards balance to calculate how much your points are worth. Review your redemption options and recommendations to get the most value. Reward Program AAdvantage Aeroplan Air Miles Alaska Airlines Mileage Plan Avianca LifeMiles American Express Membership Rewards BMO Rewards British Airways Executive Club Cathay Pacific Asia Miles Flying Blue Desjardins BONUSDOLLARS CIBC Aventura Rewards Delta SkyMiles MBNA Rewards Marriott Bonvoy More Rewards Porter VIPorter Plum Rewards Journie Rewards MyMcDonald's Rewards National Bank A La Carte Rewards PC Optimum Qatar Airways Privilege Club Avion Rewards (Elite) Rexall BeWell Scene+ TD Rewards Tims Rewards United MileagePlus WestJet Rewards Triangle Rewards Avion Rewards (Premium) Points Balance Our recommendations: Use your points for Transfer Points To Aeroplan to get the most value. $20 Avoid using points for Merchandise as this gives you the lowest value. $7 Using your points for Transfer Points To Aeroplan instead of Merchandise will save you $13 . Point Values Redemption Option Point Value Total Value Transfer points to Aeroplan 2 cents $20 Fixed Points Travel Program 1.75 cents $18 Transfer points to Marriott Bonvoy 1.16 cents $12 Any travel 1 cent $10 Statement credits 1 cent $10 Charity donations 1 cent $10 Gift Cards 0.77 cents $8 Shopping at Amazon.ca 0.7 cents $7 Merchandise 0.68 cents $7 Redemption Options Transfer points to Aeroplan Transfer points at a 1:1 ratio $20 Fixed Points Travel Program Amex's fixed points chart for flights with any airline $18 Transfer points to Marriott Bonvoy Transfer points at a 5:6 ratio $12 Any travel Use points to pay for travel from any travel provider $10 Statement credits Pay for any purchase with points $10 Charity donations Gift your potins to a few charitites $10 Gift Cards Wide assortment of gift cards $8 Shopping at Amazon.ca Redeem points at checkout when shopping at Amazon $7 Merchandise Get a wide varetiy of merchandise $7 Transfer Options Air Canada Transfer points to Aeroplan 1,000 points British Airways Transfer points to Avios 1,000 avios Marriott Transfer points to Marriott Bonvoy 1,200 points Hilton Transfer points to Hilton Honors 1,000 points Delta Transfer points to SkyMiles 750 miles Etihad Transfer points to Etihad Guest 750 miles Air France/KLM Transfer points to Flying Blue 750 points Cathay Pacific Transfer points to Asia Miles 750 miles Calculating your annual rewards $24,000 annual spending x 2.45% return on spending = $588 annual rewards $588 annual rewards − $799.00 annual fee = $-211 net annual rewards Details and eligibility Do I qualify? Estimated Credit Score 560 - 659 Personal Income N/A Household Income N/A Canadian resident who has reached the provincial age of majority. Fees Annual Fee $799.00 Extra Card Fee $250 Card type N/a Interest rates Purchase N/A Cash Advance N/A Balance Transfer N/A Insurance coverage Extended Warranty 1 year Purchase Protection 120 days Travel Accident $500,000 Emergency Medical Term 15 days Emergency Medical Maximum Coverage $5,000,000 Trip Cancellation $2,500 Trip Interruption $2,500 Flight Delay $1,000 Baggage Delay $1,000 Lost or Stolen Baggage $1,000 Hotel Burglary $1,000 Rental Car Theft & Damage Yes Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply. Learn more about the value of credit card insurance coverage. Genius Rating American Express Platinum Card's 4.4 Genius Rating is based on the weighted average of the following scores: Rewards 1.4 Fees 0.0 Insurance 3.8 Interest 0.0 Perks 5.0 Approval 4.4 Acceptance 2.8 User Reviews 2.7 Methodology All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features. Learn more about our rating methodology. Awards Each year for our annual credit card rankings our Genius Rating algorithm computes the best credit cards across 28 different categories. Here’s what this card has won this year: Top cards from American Express GC: $100 American Express Cobalt ® Card Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * SimplyCash ® Preferred Card from American Express Up to 10% cash back + A minimum of 2% back on purchases. * American Express ® Gold Rewards Card Up to 60,000 Welcome Bonus Membership Rewards ® points. * American Express Platinum Card Review Written by creditcardGenius Team   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. For the complete red carpet treatment and an unsurpassed travel experience , American Express Platinum ® Card from American Express reigns supreme. Now, as a rare metal credit card available in Canada with 50% more perks than its nearest competitor and more than double the number of perks of the typical travel credit card (we counted), it's easy to see why it is the #1 ranked perks card in Canada. And while it has an annual fee of $799, you can deduct $400 from that thanks to its annual $200 travel and dining credits, leaving you with $399 to pay out of pocket. Still high, but worth it for the perks and VIP treatment you will receive as a frequent traveller . In this article Amex Platinum Membership Rewards Redeeming Membership Rewards Amex Platinum benefits and perks Insurance coverage Earning Membership Rewards with Amex Platinum Starting off the list with a bang is its huge welcome bonus – sign up for this card and you'll get 100,000 Membership Rewards points after spending $10,000 in the first 3 months and making a purchase between months 15 to 17. After that, you'll earn points at these brand new earn rates on all spending: 2 points per $1 spent on restaurants and travel 1 point per $1 spent on all other purchases Redeeming Membership Rewards with Amex Platinum The best value for your points is by transferring them to an airline program. There are 6 options to choose from, Aeroplan being one of the best , where you can transfer your points at a 1:1 ratio. You have the option to transfer to these other airline programs as well: Airline Rewards Program Transfer Ratio Air Canada Aeroplan 1:1 British Airways Avios 1:1 Delta SkyMiles 4:3 Cathay Pacific Asia Miles 4:3 Etihad Guest 4:3 Air France/KLM Flying Blue 4:3 The next best way to use your points is by using the American Express Fixed Points Chart . This chart will let you use a set amount of points to fly to a set region of the world. Here is what the chart looks like for economy class redemptions : You'll have to pay the taxes and fees, but despite that, maximizing this chart will get you a value of 2 cents per point . That's twice as much as the usual 1 cent per point most travel cards offer. But that's only for select flights. For most people, the best value will be long haul Canada/U.S. flights, which carry a value of 1.75 cents Depending on your travel plans, the fixed points chart may be a better option for economy class tickets as opposed to transferring to airline partners . You'll get increased flexibility and get a similar point value. The business class chart doesn't provide any better value than economy. The maximum point value you can obtain is 1.8 cents . If you want to redeem for business class seats, you would be better off transferring to an airline partner. It's relatively easy to get a value of 3.5 cents per point, and redemption options of up to 6 cents per point are not unheard of. There are also plenty of other ways to redeem your membership rewards as well: Redeem Points For Point Value (Cents Per Point) Welcome Bonus Value Transfer to airline partners 2.5 CPP $2,000 Fixed Point Travel program 1.75 CPP $1,750 Transfer to hotel partners 1.2 CPP $1,200 Travel purchase statement credit 1.0 CPP $1,000 Ticketmaster purchases 1.0 CPP $1,000 Charity donations 1.0 CPP $1,000 ANY purchase statement credit 1.0 CPP $1,000 Gift cards 0.82 CPP $820 Amazon.ca purchases 0.70 CPP $700 Merchandise 0.68 CPP $680 Learn more about the Membership Rewards program with our complete guide , including additional ways you can get maximum value from your points. American Express Platinum benefits and perks Now, the moment you have been waiting for. Drumroll, please. Earning rewards on your purchases is great, but the real reason you want this card is for the perks . No card in Canada has a list of perks as long as The Platinum Card. It's the reason we crowned it as Best Perks Credit Card In Canada for 5 years in a row. Buckle up and get ready for the not-so-skinny on all these fat perks and benefits. Annual $200 travel credit The easiest $200 you'll ever save – with this card, once per year, you'll get access to a $200 annual travel credit. Simply book any single travel booking worth more than $200 at either The Platinum Card Travel Service or American Express Travel Online, and get $200 off your purchase. This credit can be applied towards any flight, hotel or car rental. The only restriction is just to book something that costs more than $200. Note: American Express Travel only price matches hotels. Annual $200 dining credit You'll also get a similar credit on dining. At select restaurants around the world (with many in Canada), you can save $200 on your meal. All you have to do is make sure your meal is more than $200, charge your meal to your card, and you'll save $200 on it. Here is the listing of restaurants you can use your credit at . American Express Platinum Lounge access To really make you feel like a VIP, this card will get you unlimited free access for yourself and one guest to over 1,400 airport lounges as part of the American Express Global Lounge Collection . This collection includes all Priority Pass lounges. The collection includes American Express branded " Centurion " lounges which are some of the most prestigious airline lounges currently available. There's a limited number, the majority of which are located in the United States. These lounges generally provide the most luxury, comfort and amenities of all airport lounges. In fact, it's the only credit card in Canada (along with its business counterpart) to offer unlimited lounge visits for both you and a guest. Imagine reclining in a lounge like this while you're waiting for your flight to leave (not bad, eh?): Photo by Yimu H. Why do you want access to an airport lounge? For comfort and relaxation... Sit in a nice, comfortable chair. Get yourself something to eat (usually hot) and enjoy alcoholic and non-alcoholic drinks for free. Premium brands are often available. Want to get some work done? Most lounges have work stations, computers and printers if you need them. Some lounges even have showers if you want to freshen up before flying. Plus, you won't have to hear constant flight announcements. You'll be able to relax and enjoy your time while waiting for your flight. VIP Toronto airport benefits If you travel frequently from Toronto Pearson airport, you'll get even more awesome travel benefits to improve your airport experience, including complimentary valet parking , parking discounts and priority security screening . First, get free valet parking. Simply show your American Express Platinum Card, and the $25 fee will be waived. Prefer to park yourself? Get a 15% discount on parking as a statement credit when you charge the cost to your card. Once inside, breeze through security with priority security lanes. Save yourself some money and time every time you fly from the airport with your Amex Platinum Card . International Airline Program For even more flight discounts, you'll be able to take advantage of the International Airline Program , which will give you discounted base fares for you and 7 – yes, 7 – additional passengers when you book tickets in first, business or premium economy. There are a couple of restrictions. Travel must originate and return to select Canadian gateways, and savings may not extend to codeshare flights operated by partner airlines. The discount also only applies to the base airfare of the ticket. You are still responsible for any taxes and fees. To find out what a ticket will cost, you have to call the Platinum Travel Service and discuss some itineraries. You also have the option just to receive your quote, and have 48 hours to decide if you want to purchase the flight. These are the current airlines participating in the program: Fine Hotels & Resorts To sweeten this deal even further, you'll get some great complimentary benefits while staying at hotels with the Fine Hotels & Resorts Collection . These benefits are worth an average of $550 USD at over 1,600 properties worldwide. To get these benefits, your stay must be booked with American Express Travel through the Fine Hotels and Resorts Collection portal. What are some of these benefits , you ask? early check-in, free room upgrade on arrival (if available), daily breakfast for 2, late checkout, free wifi, and $100 in property benefits (benefits vary). The Hotel Collection from American Express Not to outdo itself, American Express also offers The Hotel Collection . Receive up to $100 USD in hotel credits that can be used on amenities at over 600 hotels and resorts in 30 countries. Similar to Fine Hotels And Resorts, your stay has to be booked with American Express Travel in The Hotel Collection page. Use your credit for things like dining, spa, golf or hotel facilities. Plus, get a complimentary room upgrade at check in when available. Hotel prices booked through Amex Travel So, all these hotel benefits are great. But how do the prices of these hotels compare to others? We test booked a couple of options through the Hotel Collection, and compared them to both Expedia and hotels.com. We booked a 2 night stay for both properties. First, we test booked the Fairmont Royal York in Toronto: The Hotel Collection actually had a cheaper rate of $772.10, compared to $855.54 found at both Expedia and hotels.com. Then, we also test booked the Douglas Autograph Collection hotel in Vancouver. Here we have a near identical price across the board. So, it's definitely worth looking into what hotels you can book through these 2 options. Hotels seem to be well priced, you might even save money, and you'll get free benefits for doing so. Upgraded hotel status Some people spend their entire year working towards getting distinction status for their favourite hotel rewards program. And for good reason: distinction status comes with its own slew of perks and savings that everyone wants. With The Platinum Card, you not only get distinction status with 1 reward program, but 4, automatically. Enjoy complimentary: Hilton Honors Gold status, and Marriott Bonvoy Gold Elite status. Here's a breakdown of what benefits are offered: Insurance coverage If all those perks weren't enough, this card also comes with a more unique coverage of StandbyMD Travel Medical concierge. This program can arrange telephone consultations, in house visits by physicians and hospital referrals depending on where you are travelling. Plus, get 11 types of insurance coverages to protect you during your travels. American Express Platinum ® Card Extended Warranty 1 year Purchase Protection 120 days Travel Accident $500,000 Emergency Medical Term 15 days Emergency Medical Maximum Coverage $5,000,000 Trip Cancellation $2,500 Trip Interruption $2,500 Flight Delay $1,000 Baggage Delay $1,000 Lost or Stolen Baggage $1,000 Hotel Burglary $1,000 Rental Car Theft & Damage Yes Please review your insurance certificate for details, exclusions and limitations of your coverage. And there you have it For an annual fee of $799, The American Express Platinum Card will let you get some serious red carpet treatment, on top of great discounts and complementary features that are not easy, or affordable, to get elsewhere. Plus, as this card has no income requirements, it's available to anyone who has good credit. If you seek great discounts and preferential treatment, this card will be worth your while. It's certainly a card worth trying – even just for the huge welcome bonus and $400 in travel and dining credits. Key benefits Unlock special experiences with Platinum ® Card. Earn up to 100,000 Membership Rewards ® points - that’s up to $1,000 towards a weekend away. New Platinum ® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership. Access a $200 Annual Travel Credit through American Express Travel Online or Platinum ® Card Travel Service. Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants. Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands. Take full advantage of The American Express Global Lounge Collection ™ which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion ® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply. Show more... User review s 2.7 out of 5 Reviewed by 16 Canadian s Add Review 5 stars 25% 4 stars 13% 3 stars 0% 2 stars 31% 1 stars 31% Add Review Do you own this card? I have it I canned it × How good is this card overall? × Rate the application process: Rate the customer service: Thank you for your review! Hang tight while we verify and approve it. If you want to see your review right away... Create an account: Name * Email * Password * Password requirements: At least 8 characters long At least one lower case letter At least one upper case letter At least one number At least one special character Password confirmed Password best practices Please send me credit card deals, news, reviews, and tips directly to my inbox. It only takes one click to unsubscribe. By clicking the button below, you agree to our Privacy Policy and Terms and Conditions .   Login Trevor 10 months ago 1 Expect to be declined for your application without a reason, even if you have good income, good credit score and low personal loan. They refused to let you know why you are rejected and simply asked that you reapply 3 months later. For a card that you have to pay $799 a year, the level of customer service and response is totally unacceptable. We live in 2025, not 1925, I believe in good customer service when I do business with a company, WALK AWAY unless if you don't mind that they treat you as a commodity, rather than a customer J 11 months ago 1 This card is terrible. I've ran millions through it over the past 5 years. Then started randomly cutting me off each month at lower and lower levels, despite never missing a payment. Amex tells me its 'due to a variety of risk factors' however I am a multi millionaire with excellent credit. Card doesn't work at a lot of locations that don't accept amex. Don't waste your time on a crappy card and a company with even worse customer service. Philippe Trounev 11 months ago 1 It's not a very good card. They messaged me and say oh we are lowering your credit limit and than started to threaten me about my credit limit saying they will lower it. I pay my card on time and really for 800$ fee they gave me a tiny limit on my platinum card which is lower than all my normal cards. So I am not going to renew next year, as I do not feel comfortable working with hem. Mike a year ago 1 Don’t apply for this card if you are looking for access to the airport lounges. This is not guaranteed. The access to lounges is at the operator’s mercy. $800 cad a year is totally not worth it. Tony a year ago 2 On paper there are better cards out there but the customer service, user interface, special offers, huge credit limits, may make it worthwhile. it has 2% MR earn rate on travel - so does Amex gold. At 3x cheaper annual fees. It has 2% MR earn rate on dining - so does Cobalt (5x up to $2500/mo). at 5x cheaper annual fees. The MBNA rewards card gives you 4.7% cash back if redeemed to gift cards. Way stronger than the Plat. It has unlimited lounge aceess - but lots of cards can give you a few visits for free. Lounges are only good for relaxing and free alcohol, food is awful. $200 dining credit - only to be used at designated restaurants. In certain cities there are none. $200 travel credit - only to be redeemed via AMEX travel portal. Prices arent competitive, a hassle to redeem, not much benefits out of it. Concierge - useless. One time I asked for Taylor swift tickets. They got none. Another time I asked for a VIP ticket to a circ show and they sent me a weblink for me to research. The only thing worthy of mention is the offers. They have a dozen offers active that can help you earn statement credits back. I have earned $250 a year. So that might make the card slightly worthwile. Another good thing about this card is the huge credit limit. Easy to be approved. Very robust security. Amazing customer service. Amazing user interface - intuitive, simple, lots of information. 1 2 3 4 Pairs well with... GC: $100 MBNA Rewards World Elite ® Mastercard ® Up to 30,000 bonus points + birthday bonus worth up to 15k points. * GC: $100 MBNA Rewards World Elite ® Mastercard ® (QC) Up to 20,000 bonus points + Annual bonus worth up to 15k points. * GC: $150 BMO CashBack ® World Elite ® * Mastercard ® * Exclusive: Up to $480 bonus cash back + First year fee waived. * GC: $120 Tangerine ® Money-Back World Mastercard ® * $120 bonus cash back * + No annual fee. * GC: $100 TD Cash Back Visa Infinite * Card 10% cash back on eligible purchases for 3 months (conditions apply). * MBNA Smart Cash ® World Mastercard ® 5% on gas and groceries for 6 months + Up to 2% cash back on all purchases. * MBNA Smart Cash ® World Mastercard ® (QC) 5% on gas and groceries for 6 months + Up to 2% cash back on all purchases. * GC: $150 BMO eclipse Visa Infinite * Card Exclusive : Up to $637 in value + 5x points on gas & groceries. * RBC Cash Back Preferred World Elite Mastercard Earn 1.5% cash back on all purchases + Standard RBC benefits. * GC: $20 BMO CashBack ® Mastercard ® * Up to 5% cash back + No annual fee. * 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 . *