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Top Cash Back Credit Card Offers for July 2017

Keep in mind that you can also check out the Top Cash Back Credit Cards page, which is frequently updated. Unlike that page though, this post focused on temporary promotional offers only.

We also have two other types of recent monthly lists going on:

Please let us know in the comment section below if you would like to see other types of monthly lists as well!

For this post, I listed the credit cards based on their annual fees.

BMO CashBack MasterCard

  • No annual fee
  • Earn 4% cash back, up to $125 in the first 4 months (if you apply before August 31, 2017)
  • Earn 1% cash back on all other purchases
  • Receive cash back: (1) direct deposit into a BMO chequing, savings or InvestorLine account; or (2) a statement credit
  • Redeem: (1) annually; (2) when a recurring amount has accumulated a minimum of $50 and in increments of $10; or (3) a one-time lump sum with a minimum of $50 and in increments of $10

BMO SPC CashBack MasterCard

  • No annual fee
  • Earn $60 cash back (if you apply before August 31, 2017) (earn $30 cash back after the first purchase and earn an additional $30 cash back after spending $1,000 in the first 3 months)
  • Earn 1% cash back on all purchases
  • Receive cash back through a: (1) direct deposit into a BMO chequing, savings or InvestorLine account; or (2) statement credit
  • Redeem: (1) annually; (2) when a recurring amount has accumulated a minimum of $50 and in increments of $10; or (3) a one-time lump sum with a minimum of $50 and in increments of $10

Scotia Momentum Visa Card

  • $39 annual fee (first year fee waived if you apply before October 31, 2017)
  • $15 annual fee for a supplementary cardholder
  • Earn 2% cash back for every $1 spent on gas, grocery and drug store purchases, as well as recurring bill payments
  • Earn 1% cash back for every $1 spent on all other purchases
  • Receive cash back through a: (1) direct deposit into a Scotiabank banking account; or (2) statement credit
  • Cash back awarded automatically on the November monthly statement

Scotia Momentum Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before October 31, 2017)
  • $30 annual fee for a supplementary cardholder
  • Earn 4% cash back for every $1 spent on gas and grocery purchases
  • Earn 2% cash back for every $1 spent on drug store purchases and recurring bill payments
  • Earn 1% cash back for every $1 spent on all other purchases
  • Receive cash back through a: (1) direct deposit into a Scotiabank banking account; or (2) statement credit
  • Redeemed automatically every November monthly statement

CIBC Dividend Visa Platinum Card

  • $99 annual fee (first year fee waived if you apply before October 31, 2017)
  • $30 annual fee for a supplementary cardholder (maximum 3 cards)
  • Earn 4% cash back on gas and grocery purchases
  • Earn 2% cash back on Tim Hortons and TELUS purchases
  • Earn 1% cash back on all other purchases
  • Redeem as a statement credit
  • Cash back awarded automatically on the December statement

CIBC Dividend Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before October 31, 2017)
  • $30 annual fee for a supplementary cardholder (maximum 3 cards)
  • Earn 4% cash back on gas and grocery purchases
  • Earn 2% cash back on Tim Hortons and TELUS purchases
  • Earn 1% cash back on all other purchases
  • Redeem as a statement credit
  • Cash back awarded automatically on the December statement

BMO CashBack World Elite MasterCard

  • $120 annual fee
  • Earn 4% cash back on all purchases (up to $250 cash back or $6,250 in spending) in the first 4 months (if you apply before August 31, 2017)
  • Earn 1.75% cash back on all purchases
  • Receive cash back: (1) direct deposit into a BMO chequing, savings or InvestorLine account; or (2) a statement credit
  • Redeem: (1) annually; (2) when a recurring amount has accumulated a minimum of $50 and in increments of $10; or (3) a one-time lump sum with a minimum of $50 and in increments of $10

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

  • Ottawa | Vancouver
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