It's finally happened: the best credit card in Canada is now on GeniusCash. We’re now offering $100 GeniusCash with the American Express Cobalt Card, an offer that’s currently set to end December 31, 2024 – though we’re hoping to keep it going well beyond that!
If you've been around for a while, just head to the offers page and get your GeniusCash. New to GeniusCash? Here's how to get your $100.
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Get $100 GeniusCash with the American Express Cobalt Card
Head to the offers page, where you can see all our offers, or check out the Amex Cobalt page for the specific card details.
- On our offers page, simply click "I Want This Deal" on the offer you want
- Then, click "I Want This Deal" and either create an account with us or log in to an existing account (this is so that we can get your cash to you!)
- Enter your payment details – we can send your cash via Interac e-Transfer or PayPal
- Once you’re directed to the bank's website, complete your application – do not venture off this screen while doing so
- Once you've submitted your application, wait for your approval (it may come within a few seconds)
Remember: You’re only eligible to receive GeniusCash if you’re approved for the card.
It typically takes the banks a few weeks to confirm everything so hang tight – we usually deliver GeniusCash within about 4 weeks. If it’s delayed, we'll send you instructions to your email on how to get it.
And that's it! You can now enjoy the best credit card in Canada – and your free $100 from us.
What the American Express Cobalt Card offers
×8 Award winner Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card.*
8x Award winner Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card.*
The American Express Cobalt Card is the best credit card because it offers the best rewards of any credit card in Canada.
You'll get started with up to 15,000 bonus Membership Rewards after spending $750 every month for the first year. Then, you’ll earn points on all your purchases in Canada:
- 5 points per $1 spent on eligible groceries and restaurants
- 3 points per $1 spent on eligible streaming services
- 2 points per $1 spent on eligible gas, transit, and ride share purchases
- 1 point per $1 spent on foreign currency purchases
- 1 point per $1 spent on all other purchases
That's a lot of points to be earned – and their true value lies in how much they’re worth. That’s what really separates this card from the rest. These points are worth up to 2 cents each and you have 4 major redemption options with Amex Membership Rewards:
- Transfer points to 6 airline programs, including Aeroplan at a 1:1 ratio. Each point is worth up to 2 cents.
- Use the Amex Fixed Points Travel Program, where each point is worth a maximum of 1.75 cents.
- Transfer points to Marriott Bonvoy at a 5:6 ratio. We value a Bonvoy point at 0.97 cents each, giving an Amex point at value of 1.164.
- Use your points towards ANY purchase made on your card, where each point is worth 1 cent.
We estimate that you can earn roughly 54,000 points per year if you spend $2,000 per month. Depending on how you use the points, they're worth between $540 and $1,080.
This card also offers a few extras, including 10 types of insurance and standard Amex benefits (Amex Offers, Front Of the Line).
The annual fee is $155.88, which is billed as $12.99 per month.
Get your GeniusCash
Will you take us up on our Amex Cobalt GeniusCash offer? Let us know in the comments below.
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