--> --> Free GeniusCash Offers | 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! Up to $150 cash back on select, high benefit credit cards See card offers Best Credit Cards Best Credit Cards Best Credit Cards Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa GeniusCash credit cards = more cash in your pocket! Up to $150 cash back on select, high benefit credit cards See card offers Blog, News & Deals Blog, News & Deals Blog, News & Deals Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? 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Best Credit Cards Best Credit Cards for 2025 Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa Blog, News & Deals Latest Blog Articles Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? 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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 GeniusCash:  $100 American Express Cobalt ® Card $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * First year value ◊ : $1,480 First year value calculations + Welcome bonus estimate $300 + Annual rewards estimate $1,080 + GeniusCash offer $100   $1,480 GC ends:   Dec 31, 2025 I Want This Deal Top GeniusCash Offers GC: $100 GeniusCash:  $100 American Express Cobalt ® Card GC: $100 I Want This Deal Top GeniusCash Offers $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * First year value ◊ : $1,480 First year value calculations + Welcome bonus $300 + Annual rewards estimated value $1,080 + GeniusCash offer $100 - Annual Fee $192   $1,480 GC ends: Dec 31, 2025 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 How GeniusCash works Step 1 Choose a credit card with a GeniusCash icon Step 2 Apply for the credit card through creditcardGenius Step 3 Wait for the bank to approve your application Step 4 Get your GeniusCash by Interac e-Transfer or PayPal Step 5 Download the GeniusCash app and log in to claim a limited-time offer Step 6 Refer your friends to GeniusCash and you’ll both level up to earn extra cash back Top 25 GeniusCash offers – premium rewards, maximum cash Want the best credit card deals?  $50 to $150 in GeniusCash should hit the spot. You'll find top cards from trusted brands offering rich rewards and perks with a combined first year value up to $1,939 ◊ . All First Year Free Cash Back Travel No fee Low Interest Black Friday Deals GC: $125 BMO Ascend ™ World Elite ® * Mastercard ® * $125 GeniusCash + Up to 90,000 100,000 bonus points + 4 free lounge passes per year. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,207 First year value calculations + Welcome bonus estimate $670 + Annual rewards estimate $262 + Annual fee rebate $150 + GeniusCash offer $125   $1,207 GC: $100 American Express Cobalt ® Card $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,480 First year value calculations + Welcome bonus estimate $300 + Annual rewards estimate $1,080 + GeniusCash offer $100   $1,480 GC: $60 RBC ION+ Visa $60 GeniusCash + Earn up to $150 in groceries. ^ GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $560 First year value calculations + Welcome bonus estimate $140 + Annual rewards estimate $360 + GeniusCash offer $60   $560 GC: $120 Tangerine ® Money-Back World Mastercard ® * $120 GeniusCash + $120 bonus cash back * + No annual fee. * GC Ends: Dec 14, 2025 I Want This Deal Learn More First year value ◊ : $513 First year value calculations + Welcome bonus estimate $120 + Annual rewards estimate $273 + GeniusCash offer $120   $513 GC: $150 BMO eclipse Visa Infinite * Card $150 GeniusCash + Exclusive : Up to $637 in value + 5x points on gas & groceries. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,125 First year value calculations + Welcome bonus estimate $469 + Annual rewards estimate $386 + Annual fee rebate $120 + GeniusCash offer $150   $1,125 GC: $100 MBNA Rewards World Elite ® Mastercard ® $100 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,086 First year value calculations + Welcome bonus estimate $300 + Annual rewards estimate $686 + GeniusCash offer $100   $1,086 GC: $60 RBC ION Visa $60 GeniusCash + Earn up to $50 in groceries. ^ GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $391 First year value calculations + Welcome bonus estimate $70 + Annual rewards estimate $261 + GeniusCash offer $60   $391 GC: $60 moi RBC ® Visa ‡ $60 GeniusCash + Earn 5,000 bonus points + No annual fee GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $326 First year value calculations + Welcome bonus estimate $40 + Annual rewards estimate $226 + GeniusCash offer $60   $326 GC: $100 Scotiabank Passport Visa Infinite Card $100 GeniusCash + Up to 45k bonus Scene+ points in year 1 + 6 free airport lounge passes. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $774 First year value calculations + Welcome bonus estimate $350 + Annual rewards estimate $324 + GeniusCash offer $100   $774 GC: $100 KOHO Everything Mastercard $100 GeniusCash + Up to 2% cash back on purchases + No foreign exchange fees. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $384 First year value calculations + Welcome bonus estimate $20 + Annual rewards estimate $264 + GeniusCash offer $100   $384 GC: $100 TD Cash Back Visa Infinite * Card $100 GeniusCash + 10% cash back on eligible purchases for 3 months (conditions apply). * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $928 First year value calculations + Welcome bonus estimate $245 + Annual rewards estimate $444 + Annual fee rebate $139 + GeniusCash offer $100   $928 GC: $100 Scotiabank Gold American Express ® Card $100 GeniusCash + Up to 50,000 bonus points + No foreign exchange fees. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,308 First year value calculations + Welcome bonus estimate $500 + Annual rewards estimate $588 + Annual fee rebate $120 + GeniusCash offer $100   $1,308 GC: $150 BMO AIR MILES ® † World Elite ® * Mastercard ® * $150 GeniusCash + Up to 9,000 bonus AIR MILES + 3x the AIR MILES at partners. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,736 First year value calculations + Welcome bonus estimate $1,143 + Annual rewards estimate $323 + Annual fee rebate $120 + GeniusCash offer $150   $1,736 GC: $50 Scotiabank Scene+ Visa Card $50 GeniusCash + Up to 5,000 bonus points + Up to 2 points per $1 spent. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $352 First year value calculations + Welcome bonus estimate $50 + Annual rewards estimate $252 + GeniusCash offer $50   $352 GC: $150 BMO CashBack ® World Elite ® * Mastercard ® * $150 GeniusCash + Exclusive: Up to $480 bonus cash back + First year fee waived. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,242 First year value calculations + Welcome bonus estimate $480 + Annual rewards estimate $492 + Annual fee rebate $120 + GeniusCash offer $150   $1,242 GC: $100 KOHO Essential Mastercard $100 GeniusCash + Up to 1% cash back on purchases + 2% interest on your balance. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $240 First year value calculations + Welcome bonus estimate $20 + Annual rewards estimate $120 + GeniusCash offer $100   $240 GC: $150 BMO VIPorter World Elite ® * Mastercard ® * $150 GeniusCash + Get up to $2,400 in value + Automatic VIPorter Venture membership. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,939 First year value calculations + Welcome bonus estimate $1,050 + Annual rewards estimate $540 + Annual fee rebate $199 + GeniusCash offer $150   $1,939 GC: $100 BMO VIPorter Mastercard ® * $100 GeniusCash + Get up to $1,800 in value + Automatic VIPorter Passport membership. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,068 First year value calculations + Welcome bonus estimate $600 + Annual rewards estimate $279 + Annual fee rebate $89 + GeniusCash offer $100   $1,068 GC: $120 Tangerine Money-Back Credit Card $120 GeniusCash + Up to $100 bonus cash back * + No annual fee. * GC Ends: Dec 14, 2025 I Want This Deal Learn More First year value ◊ : $499 First year value calculations + Welcome bonus estimate $106 + Annual rewards estimate $273 + GeniusCash offer $120   $499 GC: $100 Loop Card $100 GeniusCash + Business owners: no FX fees in 4 popular currencies + No annual fee. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $220 First year value calculations + Annual rewards estimate $120 + GeniusCash offer $100   $220 GC: $125 BMO eclipse rise Visa * Card $125 GeniusCash + Up to 25,000 bonus points + No annual fee. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $468 First year value calculations + Welcome bonus estimate $134 + Annual rewards estimate $209 + GeniusCash offer $125   $468 GC: $100 KOHO Extra Mastercard $100 GeniusCash + Up to 1.5% cash back on purchases + Lower annual fee. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $312 First year value calculations + Welcome bonus estimate $20 + Annual rewards estimate $192 + GeniusCash offer $100   $312 GC: $100 MBNA Rewards Platinum Plus ® Mastercard ® $100 GeniusCash + Up to 10,000 bonus points + Mobile device protection. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $588 First year value calculations + Welcome bonus estimate $118 + Annual rewards estimate $370 + GeniusCash offer $100   $588 GC: $100 MBNA Rewards World Elite ® Mastercard ® (QC) $100 GeniusCash + Up to 20,000 bonus points + Annual bonus worth up to 15k points. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $986 First year value calculations + Welcome bonus estimate $200 + Annual rewards estimate $686 + GeniusCash offer $100   $986 GC: $100 MBNA Rewards Platinum Plus ® Mastercard ® (QC) $100 GeniusCash + Up to 10,000 bonus points + Mobile device protection. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $570 First year value calculations + Welcome bonus estimate $100 + Annual rewards estimate $370 + GeniusCash offer $100   $570 GeniusCash Mobile: Level up your rewards The GeniusCash app is here! When you download the app, you’ll be among the first to enjoy max rewards on your daily spending including an EXTRA cash back boost from us so you can bank real cash, faster . That's in addition to the big GeniusCash payouts and exclusive offers you know and love. Now you can get paid to make smart money moves and keep tabs on your rewards right in the palm of your hand. Download The GeniusCash App 7 more GeniusCash offers – lower fees, big value Looking for a more beginner friendly card?  Here you'll generally find lower annual fees, better interest rates, attainable minimum income requirements, and big value while depositing up to $20 GeniusCash directly into your bank account. All First Year Free Cash Back Travel No fee Low Interest Black Friday Deals GC: $20 TD First Class Travel ® Visa Infinite * Card $20 GeniusCash + Up to 165,000 TD Rewards points (conditions apply). * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $1,459 First year value calculations + Welcome bonus estimate $825 + Annual rewards estimate $475 + Annual fee rebate $139 + GeniusCash offer $20   $1,459 GC: $20 BMO AIR MILES ® † Mastercard ® * $20 GeniusCash + Up to 1,200 2,500 bonus AIR MILES + 3x the AIR MILES at partners. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $493 First year value calculations + Welcome bonus estimate $318 + Annual rewards estimate $155 + GeniusCash offer $20   $493 GC: $20 Scotia Momentum ® Visa Infinite * Card $20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $797 First year value calculations + Welcome bonus estimate $159 + Annual rewards estimate $498 + Annual fee rebate $120 + GeniusCash offer $20   $797 GC: $20 MBNA True Line ® Mastercard ® $20 GeniusCash + 0% on balance transfers for 12 months (3% fee) + No annual fee. * GC Ends: Nov 30, 2025 I Want This Deal Learn More First year value ◊ : $1,571 First year value calculations + GeniusCash offer $20 + Annual interest saving estimate $1,551   $1,571 GC: $20 TD Rewards Visa * Card $20 GeniusCash + Up to 15,152 bonus points (conditions apply) + No annual fee. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $312 First year value calculations + Welcome bonus estimate $76 + Annual rewards estimate $216 + GeniusCash offer $20   $312 GC: $20 BMO CashBack ® Mastercard ® * $20 GeniusCash + Up to 5% cash back + No annual fee. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $363 First year value calculations + Welcome bonus estimate $100 + Annual rewards estimate $243 + GeniusCash offer $20   $363 GC: $20 BMO CashBack ® Mastercard ® * for students $20 GeniusCash + 5% cash back for the first 3 months + No annual fee. * GC Ends: Dec 31, 2025 I Want This Deal Learn More First year value ◊ : $363 First year value calculations + Welcome bonus estimate $100 + Annual rewards estimate $243 + GeniusCash offer $20   $363 Top credit card offers Haven't found the perfect card yet? Here are some of the best credit cards that currently don't offer GeniusCash. But come back often, these change all the time! CIBC Aventura ® Visa Infinite * Card Earn up to 45,000 Aventura points + 4 free lounge passes per year. † Apply Now First year value ◊ : $1,789 First year value calculations + Welcome bonus estimate $1,151 + Annual rewards estimate $639   $1,789 GC: $100 American Express Cobalt ® Card $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * GC Ends: Dec 31, 2025 I Want This Deal First year value ◊ : $1,480 First year value calculations + Welcome bonus estimate $300 + Annual rewards estimate $1,080 + GeniusCash offer $100   $1,480 CIBC Select Visa * Card 0% on balance transfers for 10 months + First year fee rebate. * Apply Now First year value ◊ : $1,348 First year value calculations + Annual fee rebate $29 + Annual interest saving estimate $1,319   $1,348 American Express ® Gold Rewards Card Up to 60,000 Welcome Bonus Membership Rewards ® points. * Apply Now First year value ◊ : $1,908 First year value calculations + Welcome bonus estimate $1,200 + Annual rewards estimate $708   $1,908 RBC Avion Visa Infinite 55,000 points + Up to 2.33% return on purchases. * Offer Ends: Nov 25, 2025 Apply Now First year value ◊ : $1,968 First year value calculations + Welcome bonus estimate $1,402 + Annual rewards estimate $566   $1,968 SimplyCash ® Preferred Card from American Express Up to 10% cash back + A minimum of 2% back on purchases. * Apply Now First year value ◊ : $811 First year value calculations + Welcome bonus estimate $199 + Annual rewards estimate $612   $811 Frequently Asked Questions What are GeniusCash Offers? GeniusCash Offers are exclusive offers that pay you real cash when you apply and are approved for a financial product or service through creditcardGenius, moneyGenius, or the GeniusCash app. Offers vary and are available for limited periods. Can you earn real cash with GeniusCash? Yes! Our GeniusCash Offers are real cash that we transfer straight to your bank account. Offers vary depending on the product or service, but you can earn up to $250 CAD when you apply and are approved through one of our platforms. How do I qualify for a GeniusCash Offer? To qualify for a GeniusCash Offer, you must 1) claim the offer through the moneyGenius, creditcardGenius, or GeniusCash app link, 2) be approved for the product or service that you applied for, and 3) meet any other criteria as outlined in the terms and conditions for that offer. Unfortunately, applications that don’t originate on one of our platforms are not eligible for GeniusCash. I applied for an offer. How can I claim my GeniusCash? If you applied for an offer AND were approved, you will receive your GeniusCash by PayPal or e-Transfer as per the preferences on your GeniusID account. To be eligible for GeniusCash, you must have applied through moneyGenius, creditcardGenius, or the GeniusCash app. Please allow up to 2 weeks for us to receive your approval confirmation from our GeniusCash partner. If you haven’t received your GeniusCash and it's been 2 weeks since your application date, please create a ticket so that we can look into your case. You can create tickets from the website dashboard or app profile page. When will I receive my GeniusCash? We try to deliver GeniusCash payments within 4 weeks but timelines may vary depending on the specific offer and when we receive confirmation of approval from our partners. If your application was approved and you haven’t received your GeniusCash payment after 2 weeks, please create a ticket so that we can look into your case. You can create tickets from the website dashboard or app profile page. How can I check the status of my GeniusCash? If you want to check the status of your GeniusCash Offer on the website, log in and navigate to your dashboard. You’ll find the GeniusCash Offers you’ve claimed listed under "Your Offers," along with the current status. In the app, go to your profile > Cash > Offers and tap the pending offer to see the status. I haven’t received my GeniusCash yet. What should I do? If you were approved for the product or service you applied for and have not received your GeniusCash payment after 2 weeks, please submit a ticket: On the website: Log in to your dashboard You’ll see a list of all GeniusCash Offers you've clicked on Click the GeniusCash Offer you’d like to open a ticket for and the timeline will appear Click "Open ticket", which will take you to the page to create your ticket In the app: Tap the header to go the profile page Tap the Cash tab Tap the Offers tab Tap an offer in the list Tap the Open Ticket link Where can I find my application number? The application reference number can be found in the email you received from our partner after applying for the product. Sometimes, it's at the end of the subject line. It may be called the Application Number, Reference Number, Case ID, PCN Number, or Application Reference Number. You may also find it in your messages when you log in to your online banking. If you're unable to locate this number, please contact the partner directly. For privacy reasons, we are unable to retrieve your application number ourselves. Once you locate your application reference number, please send it to us via email or update your ticket directly. How will I receive my GeniusCash? You’ll receive your GeniusCash payment via Interac e-Transfer or PayPal. You can select your preference by visiting your profile settings and confirming the email address for your preferred method of payment. How can I reset my GeniusID password? You can reset your GeniusID password from your profile in the app or online. If you’re trying to log in and can’t remember your password, select "Forgot password" and we’ll send you an email that walks you through the password reset process. What is my GeniusID? Your GeniusID is what you use to log into moneyGenius.ca, creditcardGenius.ca, and the GeniusCash app. No matter which platform you initially used to create your GeniusID account, you’ll use the same credentials to log into all three platforms. Where can I find my e-Transfer password? You can find the e-Transfer password to accept your GeniusCash payment in payment preferences section of your moneyGenius, creditcardGenius, or GeniusCash app profile. Make sure you're logged in with the same GeniusID that you used to claim the offer. If you’re having difficulty depositing your GeniusCash payment using a web browser, please try using your mobile banking app. If you want to bypass the security password requirement for future e-Transfers, you can enable auto deposit for e-Transfers in your bank account settings. Am I eligible for GeniusCash if I apply directly through a financial institution? No. To be eligible for a GeniusCash offer, you must apply through the creditcardGenius, moneyGenius, or GeniusCash app offer link. Once you apply for the GeniusCash offer, you’ll be redirected to the issuer or provider's website to finalize your product or service application. What is the GeniusCash app? GeniusCash is a cash back rewards app that sends real cash straight to your bank account. It also helps you unlock Max credit card rewards, equip the best financial products, score big cash Offers, and earn extra bonus cash back on your everyday purchases – all while leveling up your money knowledge. Trusted by nearly 100,000 Canadians already, the GeniusCash program has paid out $4M+ in real cash to people just like you. This is all backed by over 1,500 positive Trustpilot reviews with an average rating of 4.2 left by happy people who have banked real cash with GeniusCash. Why should I download the GeniusCash app? Our mission is to make money easy and fun for all Canadians. In the last 10 years, we’ve helped 7M+ Canadians do just that. The GeniusCash app is the evolution of our core mission – an industry-leading financial tool that helps Canadians make financial choices with confidence and clarity. Why should you consider downloading the app? GeniusCash… Analyzes your everyday spending to make tailored recommendations to max your existing credit card rewards Rewards you with bonus extra cash back on your everyday spending Gives you access to exclusive deals, promotions, and opportunities to bank real cash Provides endless ways to level up your money knowledge and get rewarded for it Is the GeniusCash app safe? Yes, your safety and privacy are our top priorities. To securely connect your credit cards and bank accounts, we use Flinks and Plaid , trusted financial technology providers used by leading financial institutions and financial apps. They use advanced encryption and follow strict industry standards to keep your data safe. We conduct regular penetration testing to identify and address potential vulnerabilities, and we only access the data needed to provide personalized recommendations and insights. Your data is never sold, and we’re committed to being transparent about how it’s used . By combining trusted technology with responsible security practices, we ensure a safe and secure experience for all users. Is there a GeniusCash referral program? Yes! When you refer someone new to the GeniusCash app. and they get approved for a GeniusCash offer or connect their bank account for the first time, you’ll receive a bonus level that gives you extra cash back on your spending for a limited time. Your friend will also receive a bonus level to jumpstart their cash back from the get-go! To refer someone, log into the GeniusCash app and navigate to the Referrals tab. Here, you’ll find your unique referral code, which you can copy to send to your friends and family. Click "More Options" to see your referral link and message that you can quickly copy and paste. What are Genius Ratings? Each product we evaluate is compared to similar products available in the Canadian market. We start by analyzing the product's key features, such as fees, perks, and more, assigning a score out of 5 stars to each attribute. These individual scores are then averaged to generate the final Genius Rating. Why are there sometimes bank connectivity issues? Canada does not yet have open banking, which means there’s no standardized system for sharing your financial data. While other regions like the US, Europe and Australia have long since adopted open banking, Canadian fintech companies like ours rely on established data aggregators, such as Flinks and Plaid, to connect to your accounts. These are trusted technology providers that are used by leading financial institutions and financial apps; however, in Canada they must use connection methods that occasionally fail to establish a connection. This can lead to an inconsistent user experience. We’re optimistic that open banking will eventually arrive in Canada, improving the reliability of these connections. Until then, we’re doing everything we can to expand support and improve the user experience. You can learn more from our blog, Open Banking in Canada: Why We’re Still Waiting, and Why Canadians Deserve Better. 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 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 . *