×7 Award winner 
$20 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points.*
GC: $20
7x Award winner ×3 Award winner GC: $60
3x Award winner GC: $20
GC: $20
×1 Award winner GC: $150
1x Award winner Get rewarded when you get a new credit card in our GeniusCash program
Looking for EXTRA cash back while applying for a new credit card? Then say hello to our GeniusCash program.
In addition to the impressive welcome bonuses and benefits that come with the card you choose, we reward you as well. When you're approved for select credit cards displaying the 
GeniusCash icon anywhere on creditcardGenius, we'll send you real cash (not gift cards or points) through Interac e-Transfer or PayPal.
You can see ALL our current GeniusCash offers and how it works here.
How do we get our Genius Rating?
We put a lot of effort into calculating Genius Ratings for all the credit cards in Canada.
With the
- rewards,
- welcome bonuses,
- annual fees,
- interest rates,
- perks and benefits,
- insurance,
- and much more.
Using our refined, math-based algorithm that we've been fine-tuning for almost a decade, we create a score out of 5 for each of the credit cards on our site. We then match it with whatever preferences you have to find the most rewarding credit cards for you.
Featured credit card offers
Here are some of our most recommended credit cards in Canada that we think you'll be able to get a lot out of.
Who are the major credit card networks in Canada?
There are 3 major credit card networks in Canada: Mastercard, Visa, and Amex. Each has their own lineup of cards and perks, and the acceptance rate of these cards varies where you go.
American Express cards often come with top notch rewards and some of the most VIP perks packages available. It's also home to our #1 ranked credit card in Canada.
Mastercards are known for having a great acceptance rate, top-of-the-line complimentary insurance coverage, and the rewarding Air Miles rewards cards.
Looking for a solid cash back credit card? Or prefer to boost your Aeroplan points? Visa might be just the ticket.
Browse credit cards by bank
These Canadian banks issue credit cards nationwide, offering a diverse selection of credit cards – each collection with their own flavour.
BMO offers some of the best Air Miles and student credit cards available – plus a handful of cards for BMO Rewards and cash back.
CIBC has a portfolio of Visa cards for collecting Aeroplan points, CIBC's own Aventura Rewards, or plain old cash back.
Home Trust has 3 Visa credit cards, including a no fee cash back card, and secured credit cards that can help you rebuild your credit rating.
KOHO is an alternative to the big banks. They don't issue credit cards, but rather offer a pair of prepaid cards. They also offer a selection of unique financial products when you get a prepaid card.
MBNA offers a variety of Mastercards, with cash back, flexible rewards, airline miles, and low interest options available.
Neo Financial offers a unique credit card product with the Neo Credit Card. These cards have very high bonus rewards at select retail partners.
Perfect for WestJet fliers or anyone looking for flexible rewards, RBC offers a significant collection of credit cards for Canadians, including both Visas and Mastercards.
Scotiabank has something to suit almost everyone's wallet, whether you're looking for cash back, travel perks, or the very rewarding Scene+ points program.
Simplii Financial is an online bank featuring an excellent cash back credit card and full-service banking all for no monthly or annual fees.
Tangerine is an online bank that offers 2 unique cash back credit cards. Both no fee, you get to choose your own bonus categories.
Brim Financial offers a trio of cash back Mastercards with no foreign exchange fees, one of which took home the distinction of being the #1 card from a challenger bank.
Canadian Tire issues its own credit cards – with them, you can save on gas or boost your Triangle Rewards earn rate.
Desjardins offers both Visas and Mastercards, including low interest and flexible rewards options.
The National Bank of Canada has a diverse portfolio of credit cards, some of which include unique perks you don't see very often.
With 3 credit cards in its portfolio, Rogers doesn't offer a huge amount of choice, but if you're looking for no fee cash back, you might want to take a look.
As one of Canada's largest retailers, Walmart offers credit cards to earn extra rewards at its stores, both online and in person.
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FAQ
What are the easiest credit cards to get approved for?
The easiest credit cards to get approved for are secured credit cards. These are credit cards generally designed for people who have poor credit, so they're pretty easy to get.
The idea is that you pay the credit card issuer a deposit, and they issue you a credit card with a credit limit equal to the amount of that deposit. Use and pay it like a regular credit card, and they report your payment activity to the credit bureaus, helping you rebuild your credit.
How do I get a credit card with bad credit?
If you have bad credit, you may find it difficult to get approved for a credit card.
There is a type of credit card designed for your situation, however, that is easier to get approved for, and that can help you rebuild your credit over time.
Secured credit cards are relatively easy to get, because you have to pay the credit card issuer a deposit before they'll give you a card. This is to give them some security (get it?) so they don't lose any money if you don't pay your bills.
What credit card should I get to build credit?
The top secured credit card in Canada is the
Use this secured credit card responsibly, and you'll start rebuilding your credit in no time.
What are the top 3 credit cards?
The perfect fit for you in terms of a credit card really depends on your preferences and your spending habits.
If you're a frequent traveller, you'll probably want a premium travel credit card with all the associated perks and benefits.
Are you a savvy saver with a keen eye for saving money? Chances are that you'll want a cash back credit card (or a no fee cash back card) that will give you the maximum return on your spending.
That said, however, you can find our #1 overall credit card right here, which comes out at the top pick in several of our #1 credit card categories.
In the end, however, the choice is up to you.
Which is the #1 credit card in Canada?
The best credit card in Canada is American Express Cobalt Card. This is because its stellar Amex Membership Rewards earn rates as well as its premium benefits are well worth the annual fee. If Amex cards or rewards credit cards aren't your thing, you can try out our credit card quiz to match you up with the card that's right for you.
What is GeniusCash and how do I earn it on my credit cards?
GeniusCash is a special offer on select credit cards in Canada provided by creditcardGenius. Essentially, it's bonus cash back that you get on top of a credit card's welcome bonus and perks. If you claim an offer from one of these GeniusCash-partnered credit cards, you can earn up to ${{maxOfferValue}} in actual cash on approval, sent straight to your bank via Interac e-Transfer or to your PayPal account.
