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Credit Score 101
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See All Offers

GC: $50

BMO Preferred Rate Mastercard®*
3.99% on balance transfers for 9 months + $50 GeniusCash.*
Offer ends: December 31, 2021
I want this deal
First year value◊: $70
First year value calculations

+ First year free $20 + GeniusCash offer $50

--------------------------------------------------------------------------------

  $70

GC: $100

RBC Avion Visa Infinite
Offer extended: Earn 15,000 35,000 bonus points + $100 GeniusCash.
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $1,602
First year value calculations

+ Signup bonus estimated value $120 + Signup bonus $936 + Annual rewards
estimated value $566 + GeniusCash offer $100 - Annual Fee $120

--------------------------------------------------------------------------------

  $1,602

GC: $100

Tangerine Money-Back Credit Card
Up to 15% cash back** on all purchases + $100 GeniusCash all for no annual fee.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $523
First year value calculations

+ Signup bonus $150 + Annual rewards estimated value $273 + GeniusCash offer
$100

--------------------------------------------------------------------------------

  $523

GC: $100

HSBC World Elite® Mastercard®
Up to 100,000 bonus points and 0% FX fees + $100 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $1,127
First year value calculations

+ Signup bonus $500 + Annual rewards estimated value $378 + First year free $149
+ GeniusCash offer $100

--------------------------------------------------------------------------------

  $1,127

GC: $100

Scotia Momentum No-Fee Visa Card
Up to 5% cash back on all purchases + $100 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $362
First year value calculations

+ Signup bonus $85 + Annual rewards estimated value $177 + GeniusCash offer $100

--------------------------------------------------------------------------------

  $362

GC: $100

Scotiabank Gold American Express® Card
Up to 50,000 bonus points + $100 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $1,272
First year value calculations

+ Signup bonus $500 + Annual rewards estimated value $552 + First year free $120
+ GeniusCash offer $100

--------------------------------------------------------------------------------

  $1,272

GC: $100

BMO CashBack® Mastercard®*
Up to 5% cash back on all purchases + $100 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $443
First year value calculations

+ Signup bonus $100 + Annual rewards estimated value $243 + GeniusCash offer
$100

--------------------------------------------------------------------------------

  $443

GC: $50

Scotiabank Value Visa Card
0.99% interest for 6 months + $50 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $21
First year value calculations

+ GeniusCash offer $50 - Annual Fee $29

--------------------------------------------------------------------------------

  $21

GC: $100

BMO CashBack® World Elite®* Mastercard®*
Up to 10% cash back on all purchases + $100 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $919
First year value calculations

+ Signup bonus $207 + Annual rewards estimated value $492 + First year free $120
+ GeniusCash offer $100

--------------------------------------------------------------------------------

  $919

GC: $100

Scotia Momentum Visa Infinite Card
Earn up to 4% cash back on purchases + $100 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $718
First year value calculations

+ Annual rewards estimated value $498 + First year free $120 + GeniusCash offer
$100

--------------------------------------------------------------------------------

  $718

GC: $100

RBC Cash Back Preferred World Elite Mastercard
Earn up to 1.5% cash back on all purchases + $100 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $601
First year value calculations

+ Signup bonus estimated value $120 + Signup bonus $120 + Annual rewards
estimated value $360 + GeniusCash offer $100 - Annual Fee $99

--------------------------------------------------------------------------------

  $601

GC: $100

Scotiabank Passport Visa Infinite Card
Up to 30,000 bonus points + $100 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $863
First year value calculations

+ Signup bonus $312 + Annual rewards estimated value $312 + First year free $139
+ GeniusCash offer $100

--------------------------------------------------------------------------------

  $863

GC: $100

Tangerine World Mastercard®
Up to 15% cash back** on all purchases + $100 GeniusCash.
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $523
First year value calculations

+ Signup bonus $150 + Annual rewards estimated value $273 + GeniusCash offer
$100

--------------------------------------------------------------------------------

  $523

GC: $20

MBNA True Line® Mastercard® credit card
0% interest for 12 months on balance transfers + $20 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $20
First year value calculations

+ GeniusCash offer $20

--------------------------------------------------------------------------------

  $20

GC: $20

BMO eclipse Visa Infinite* Card
Exclusive Offer: Earn up to 40,000 60,000 bonus BMO Rewards points + $20
GeniusCash.*
Offer ends: December 31, 2021
I want this deal
First year value◊: $928
First year value calculations

+ Signup bonus $402 + Annual rewards estimated value $386 + First year free $120
+ GeniusCash offer $20

--------------------------------------------------------------------------------

  $928

GC: $20

MogoCard
1 tree planted every time you use your card + $20 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $20
First year value calculations

+ GeniusCash offer $20

--------------------------------------------------------------------------------

  $20

GC: $20

MBNA Rewards Platinum Plus® Mastercard®
Earn up to 10,000 bonus points + $20 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $504
First year value calculations

+ Signup bonus $148 + Annual rewards estimated value $336 + GeniusCash offer $20

--------------------------------------------------------------------------------

  $504

GC: $20

RBC Cash Back Mastercard
Up to 2% cash back on purchases for no fee + $20 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $332
First year value calculations

+ Signup bonus estimated value $30 + Signup bonus $30 + Annual rewards estimated
value $252 + GeniusCash offer $20

--------------------------------------------------------------------------------

  $332




FIND YOUR TOP CARD, GUARANTEED

We're so confident we can figure out what your top credit card is that earns you
the most rewards or saves you loads of money…

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I feel confident that the results lined up with what I expected. Really like
that I can break down my spending by gas, groceries, drugstores, etc.
Steve V.
The first tool with genius score that compares the "soft" side of card benefits
such as types of insurance included, flexibility of rewards. All others just
simply compared on rewards or cash back.
Alan
It is very stripped down and easy to use. The pages communicate a simple, clear,
and intentional message; and there aren't any ads, sections of the site, or
waffley wording that distracts from that.
Donovan
It gives me the results I want, simple and quick.
Bryan P.
The best and easiest tool I found to compare credit cards, very complete and
detailed.
Luiz
This is an excellent tool with instantaneous results and crystal clear
information.
Carole G.
Simple but well laid out site, easy to enter in your personal spend, the ability
to enter your income to filter out cards you don't qualify for...
Jon
Quick easy to use sliders are an excellent touch. Provides info I would use to
choose a card.
Ron
A very simple and quick way to find credit cards I may consider. Easy to use.
Sharon
I open and close cards all the time for travel this makes it just one stop.
Gillian
I liked that you could choose different options that you were looking for in a
credit card.
Claudette
It's what I had been hoping for, with details about each card when I want to
drill down farther in.
Sherri


I feel confident that the results lined up with what I expected. Really like
that I can break down my spending by gas, groceries, drugstores, etc.
Steve V.
The first tool with genius score that compares the "soft" side of card benefits
such as types of insurance included, flexibility of rewards. All others just
simply compared on rewards or cash back.
Alan
It is very stripped down and easy to use. The pages communicate a simple, clear,
and intentional message; and there aren't any ads, sections of the site, or
waffley wording that distracts from that.
Donovan
It gives me the results I want, simple and quick.
Bryan P.
The best and easiest tool I found to compare credit cards, very complete and
detailed.
Luiz
This is an excellent tool with instantaneous results and crystal clear
information.
Carole G.
Simple but well laid out site, easy to enter in your personal spend, the ability
to enter your income to filter out cards you don't qualify for...
Jon
Quick easy to use sliders are an excellent touch. Provides info I would use to
choose a card.
Ron
A very simple and quick way to find credit cards I may consider. Easy to use.
Sharon
I open and close cards all the time for travel this makes it just one stop.
Gillian
I liked that you could choose different options that you were looking for in a
credit card.
Claudette
It's what I had been hoping for, with details about each card when I want to
drill down farther in.
Sherri




HOT CREDIT CARD DEALS RIGHT NOW

Big bonuses and limited time offers. Get them before they go away.

See All Hot Deals
American Express Cobalt® Card
Earn up to 30,000 50,000 bonus points worth up to $1,000.
Apply Now
First year value◊: $1,924
First year value calculations

+ Signup bonus $1,000 + Annual rewards estimated value $1,080 - Annual Fee $156

--------------------------------------------------------------------------------

  $1,924

GC: $20

MBNA True Line® Mastercard® credit card
0% interest for 12 months on balance transfers + $20 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $20
First year value calculations

+ GeniusCash offer $20

--------------------------------------------------------------------------------

  $20

GC: $100

BMO CashBack® World Elite®* Mastercard®*
Up to 10% cash back on all purchases + $100 GeniusCash.*
Offer ends: December 31, 2021
I Want This Deal
First year value◊: $919
First year value calculations

+ Signup bonus $207 + Annual rewards estimated value $492 + First year free $120
+ GeniusCash offer $100

--------------------------------------------------------------------------------

  $919

Neo Standard Mastercard
Earn up to 4% cash back on purchases for no annual fee.
Apply Now
First year value◊: $276
First year value calculations

+ Annual rewards estimated value $276

--------------------------------------------------------------------------------

  $276

Alaska Airlines Platinum Plus® Mastercard®
Earn 20,000 miles and an annual companion voucher.
Apply Now
First year value◊: $937
First year value calculations

+ Signup bonus $460 + Annual rewards estimated value $552 - Annual Fee $75

--------------------------------------------------------------------------------

  $937

American Express® Aeroplan®* Card
Earn up to 15,000 40,000 bonus points and a Buddy Pass, together worth up to
$1,400.
Apply Now
First year value◊: $2,402
First year value calculations

+ Signup bonus estimated value $600 + Signup bonus $1,400 + Annual rewards
estimated value $522 - Annual Fee $120

--------------------------------------------------------------------------------

  $2,402


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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.


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◊ 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. Annual Rewards will change if the user
adjusts their monthly spending away from the $2,000 monthly default or changes
their reward preferences. "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.

* Conditions apply.


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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.

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Latest Updates
GeniusCash is here! Get up to $100 EXTRA cash back on your next credit card
Nov 12, 2021
Incredible $916 Welcome Offer On The RBC Avion Visa Infinite Ending Soon
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