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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 It's Here! Get $100 GeniusCash With The Amex Cobalt Card Offer ends December 31, 2024. Written by creditcardGenius Team   updated on Nov 1, 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. 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. 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 . 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 American Express Cobalt ® Card 5.0 Genius Rating 4.1 (80) User reviews ×8 Award winner $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * Annual fee See rates Learn more Welcome bonus $300 ◊ 15,000 points Annual rewards $1,080 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: American Express Cobalt ® Card GC: $100 5.0 Genius Rating 4.1 (80) User reviews 8x Award winner $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * Annual fee See rates Learn more Welcome bonus $300 ◊ 15,000 points Annual rewards $1,080 ◊ 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 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 (up tp $2,500 spent per month) 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 $191.88, which is billed as $15.99 per month. Get your GeniusCash Will you take us up on our Amex Cobalt GeniusCash offer? Let us know in the comments below. 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 Check Amex Eligibility Without Impacting Credit Score Best Credit Card Offers, Sign-up Bonuses, And Deals For November 2025 Best Credit Card For Amazon Purchases For 2025 How To Get Cash Back In Canada 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? 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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. Latest Updates $150 GeniusCash + 0.5% extra cash back Up to 5% cash back on essentials Avg of 5% back at Neo's retail partners Get the Neo World Elite Mastercard * Personal Loans vs. Credit Cards – What's the Difference Your Guide To DragonPass Lounges Financing For Students – From Student Credit Cards To Student Loan Services $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . *