Pointshogger

"Get the best return possible for every $ you spend."

Top Cash Back Credit Cards

Below are the top cash back credit cards in Canada (sorted by annual fees):

 


Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

  • No annual fee
  • Up to 5 supplementary cardholders
  • Earn 2% cash back on a select group of categories (choice of 2 categories, a 3rd choice if you deposit the cash back into your Tangerine Savings Account)
  • Earn 0.5% cash back on all other purchases
  • Apply-Now


SimplyCash™ Card from American Express®

American Express SimplyCash Card

  • No annual fee
  • Earn $100 cash back for every approved referral (up to a $1,500 per calendar year)
  • Earn 5% Welcome bonus cash back on gas, grocery and restaurants purchases in Canada for the first 6 months (up to $250 cash back)
  • Earn 1.25% cash back on all other purchases and when the Welcome 5% bonus ends
  • Apply-Now


BMO Cashback MasterCard

BMO CashBack MasterCard

  • No annual fee
  • Earn 4% cash back on the first 4 months (up to $3,125 in spending or $125 in cash back) (if you apply before October 31, 2018)
  • Earn 1% cash back on all other purchases
  • Apply-Now


BMO SPC CashBack MasterCard

BMO SPC CashBack MasterCard

  • No annual fee
  • Earn 4% cash back on the first 4 months (up to $3,125 in spending or $125 in cash back) (if you apply before October 31, 2018)
  • Earn 1% cash back on all purchases
  • Earn 10% – 15% discount at the stores listed on the SPC website
  • Apply-Now


Below are the top annual fee cash back credit cards in Canada (sorted by annual fee):

 


Scotiabank Momentum Infinite Visa

Scotia Momentum Visa Card

  • $39 annual fee
  • $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
  • Apply-Now


American Express SimplyCash Preferred Card

  • $99 annual fee
  • No annual fee for a supplementary cardholder
  • Earn $200 cash back for every approved referral (up to 15 referrals or $3,000 per calendar year)
  • Earn 5% Welcome bonus cash back on all purchases for the first 6 months (up to $6,000 in purchases or $300 cash back)
  • Earn 2% cash back on all other purchases and when the Welcome 5% ends
  • Apply-Now


Scotiabank Momentum Infinite Visa

Scotia Momentum Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before February 28, 2018)
  • $30 annual fee for a supplementary cardholder
  • Earn 5% cash back on the first $3,000 or the first 3 months (whichever comes first) (if you apply before February 28, 2018)
  • 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
  • Apply-Now


CIBC Dividend Visa Infinite Card

CIBC Dividend Visa Infinite Card

  • $99 annual fee for first time cardholders (first year fee waived if you apply before February 28, 2018)
  • $30 annual fee for a supplementary cardholder (maximum 3 cards)
  • Earn 4% cash back on the first 4 months (up to $5,000 in spending or $200 in cash back) (if you apply before February 28, 2018)
  • 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
  • Apply-Now


Meridian Visa Infinite Cash Back Card

Meridian Visa Infinite Cash Back Card

  • $99 annual fee (first year fee waived for a limited time with no specific end date)
  • $30 annual fee for supplementary cardholders
  • Earn 4% cash back on gas and grocery store purchases (on the first $25,000 in purchases, then 1% for all other purchases)
  • Earn 2% pharmacy purchases and utility bill payments (on the first $25,000 in purchases, then 1% for all other purchases)
  • Earn 1% cash back on all other purchases
  • Require either $60,000 annual personal income or $100,000 annual household income
  • Apply-Now


TD Cash Back Visa Infinite Card

TD Cash Back Visa Infinite Card

  • $120 annual fee (first year fee waived for a limited time with no specific end date)
  • $50 annual fee for supplementary cardholders
  • Earn 6% cash back on gas, grocery and recurring bill payments (for the first 3 months or first $3,500 in spending)
  • Earn 3% cash back on gas, grocery and recurring bill payments thereafter (on first $15,000 in annual spending per category, including the 3 month bonus promotion)
  • Earn 1% cash back on all other purchases
  • Apply-Now


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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
  • @pointshogger

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