GeniusCash is a cash back program that rewards users for subscribing to many of the products and services they use on a regular basis. Plus, its new GeniusCash mobile app makes it easier than ever to bank real cash and level up your rewards.
Whether you're looking for a new chequing account, travel credit card, or even a mortgage, going through GeniusCash can mean receiving up to $250 free cash deposited directly into your bank account.
What you get with GeniusCash
Here's everything you need to know about GeniusCash in one table:
Verified on September 15, 2025
Why You Want It
Earn up to $250 in bonus cash back + Level up your money & rewards.
Special Features
- Up to $250 in bonus cash back
- Easy to use mobile app for even more deals and exclusive offers
- Payments are made directly to you via PayPal or Interac e-Transfer
- Referral bonuses available via the GeniusCash app
Eligibility
- Age of majority
- Eligible to receive select Canadian credit cards
Provinces
ALL
Features
Monthly Fee
$0
Mobile App
Available Retailers Estimate
20
Pay Via Cheque?
Pay Via PayPal?
Pay Via Amazon?
Pay Via Gift Cards?
Pay Via Electronic Fund Transfer?
Minimum Balance To Cash Out
$0
Pay Frequency
After a certain amount of time
Limited Payment Wait
Biweekly
Welcome Bonus
$0
Welcome Bonus End Date
N/A
Refer A Friend Offer
See Issuer for Details
Our GeniusCash rating: 4.6 stars
On the surface, GeniusCash works a bit differently from other cash back apps and sites. Rather than earning a percentage of money back on your regular shopping purchases, you get a lump sum of cash back after being approved for a new product, service, or credit card. Plus, the new GeniusCash app makes it easier than ever to unlock big GeniusCash offers and get max rewards on your spending.
The main downside of this cash back program is that it's more limited than other options. There are only so many products, services, and credit cards a person can get, after all – you won't be looking for a new credit card every week.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
What's good about GeniusCash
Take a look at the best features this cash back opportunity has to offer:
Pros
New industry-leading mobile app
The new GeniusCash app helps you level up your money when you connect your cards. You can unlock max cash back rewards through custom recommendations based on your spending, plus see limited-time welcome bonuses and exclusive offers to earn extra cash back.
Up to $250 cash back
When you apply and get approved for a product, service, or credit card offer through the offers page, you'll get up to $250 cash back in a lump sum payment. The best part is that this is on top of the product's potential welcome bonus – making it an easy way to boost your bonus.
Flexible payout options
Instead of tying up your cash back in gift cards, your GeniusCash will be delivered directly and automatically to you via PayPal or Interac e-Transfer, whichever you prefer.
Bi-weekly payouts
Behind the scenes, GeniusCash payouts are sent out every two weeks. That said, it's important to note that the GeniusCash app, creditcardGenius, or moneyGenius (whichever platform you used) must receive approval directly from the bank before sending out your bonus – a process that could take up to 12 weeks, in some instances.
What to watch out for with GeniusCash
There are a few things to keep in mind regarding GeniusCash:
Cons
Cash back bonuses are harder to get
Unlike other cash back apps and sites, which give you cash back just for shopping, your GeniusCash bonuses are only available when you open a new account for a product or service – and in some cases, your approval or account will need to be verified. Credit card approvals require multiple eligibility criteria to be met at the bank's or financial institution’s discretion.
Only a limited amount of offers available
There are currently 20 GeniusCash offers available, which pales in comparison to the hundreds of partner retailers other cash back apps and sites have. And you'll only find banking or finance-related product offers – nothing for clothing, household goods, etc.
No cash bonus on sign up
There's currently no GeniusCash welcome bonus for signing up for a GeniusID account. That said, there's a sweet referral bonus available on the GeniusCash app that could earn you extra cash back for up to six months, depending on how many of your referrals sign up.
Best alternatives to GeniusCash
Here's how GeniusCash compares to major cash back apps and sites on the Canadian market:
 |  |  |  | |
|---|---|---|---|---|
| Account | GeniusCash | Rakuten | Great Canadian Rebates | Paymi Rewards |
| Genius Rating | ||||
| Why You Want It | Earn up to $250 in bonus cash back + Level up your money & rewards. | Earn cash back with over 750 retail partners + $5 sign up bonus. | Get a $3 sign up bonus + Refer a friend and earn 25% of their rewards. | Earn up to 10% cash back with retail partners + Simple and free to use. |
| Monthly Fee | $0 | $0 | $0 | $0 |
| Mobile App | | | | |
| Available Retailers Estimate | 20 | 750 | 900 | 100+ |
| Pay Via Cheque? | | | | |
| Pay Via PayPal? | | | | |
Show More | ||||
| Apply Now See more GeniusCash products Compare | Learn More See more Rakuten products Compare | Learn More See more Great Canadian Rebates products Compare | Learn More See more Paymi products Compare |
GeniusCash frequently asked questions
What is GeniusCash?
GeniusCash is a series of product, service, and credit card offers that provide bonus cash back – even on top of regular welcome bonuses. All you have to do is apply through the offers page, get approved, and receive the cash.
Is GeniusCash legit?
Yes, GeniusCash is legit. As long as you follow to directions and are approved, you'll get your cash back with no strings attached.
Is there a GeniusCash app?
Yes, there is a GeniusCash app, which sometimes features exclusive offers, as well as other new features. You can find it on the app store, or download it from this link.
When will I get my GeniusCash payout?
Payouts are made every two weeks, but it could take as long as 12 weeks for you to receive the cash. Some applications must be approved by the bank before the payouts can go out, and this can take time.
How do I get my cash back from GeniusCash?
Once your application is approved, your GeniusCash is either automatically deposited into your PayPal account or sent as an Interac e-Transfer. You indicate your payout preference and provide the required info during the application phase.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
Hot Money 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.
- Explore customized recommendations to level up your rewards.
- Refer your friends and family to earn bonus levels and extra cash back.
- Take control of your money with a full-featured chequing account + $50 GeniusCash
- Get up to $500 in cash when you open a new account, complete specified actions, and open 2 registered investment accounts.
- Unlimited free transactions – including debit and Interac e-Transfers®.
- Earn Scene+ points on every debit transaction.
- $50 GeniusCash on approval – ends Oct 31, 2025.*.
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- $125 GeniusCash on approval – ends Oct 31, 2025.*.
- Trade over 200 cryptocurrencies with the best crypto exchange in Canada + $75 GeniusCash
- Trader fee discounts for active traders.
- No fees to fund your account with Interac e-Transfers.
- Access to plenty of educational resources for free.
- $75 GeniusCash on approval – ends Oct 31, 2025.*.
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