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):

 


MBNA Smart Cash Card

MBNA Smart Cash Platinum Plus MasterCard

  • No annual fee
  • Earn 5% cash back (on the first 6 months) on gas and grocery purchases on $400 worth of monthly (calendar month) purchases
  • Earn 2% cash back (after the first 6 months) on gas and grocery purchases on $400 worth of monthly (calendar month) purchases
  • Earn 1% cash back for all other purchases on $1,250 worth of monthly (calendar month) purchases
  • Apply-Now


Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

  • No annual fee
  • Up to 5 supplementary cardholders
  • Earn 4% cash back on a select group of categories (for the first 3 months) (choice of 2 categories, a 3rd choice if you deposit the cash back into your Tangerine Savings Account)
  • 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 1% cash back on all other purchases
  • 1.5% foreign conversion/transaction fee
  • Apply-Now


SimplyCash™ Card from American Express®

American Express SimplyCash Card

  • No annual fee
  • 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 $75 cash back (if you apply before January 12, 2017)
  • Earn 1% cash back on all purchases
  • Apply-Now


BMO SPC CashBack MasterCard

BMO SPC CashBack MasterCard

  • No annual fee
  • Earn $60 cash back after your first purchase (if you apply before January 12, 2017)
  • Earn 0.5% cash back on all purchases
  • Earn 10% – 15% discount at the stores listed on the SPC website
  • Apply-Now


Chase Amazon Rewards Card

Chase Amazon.ca Rewards Visa Card

  • No annual fee
  • Earn $20 Amazon.ca bonus sign up gift certificate
  • Earn 2% cash back on Amazon.ca purchases
  • Earn 1% cash back on all other purchases
  • No foreign transaction fees
  • 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

  • $79 annual fee
  • No annual fee for a supplementary cardholder
  • Earn 5% Welcome bonus cash back on all purchases for the first 6 months (up to $400 cash back)
  • Earn 1.5% cash back on all other purchases and when your Welcome 5% ends (up to $100,000 annually)
  • Earn 1.25% cash back on all purchases (after the first $100,000 annually)
  • Apply-Now


Scotiabank Momentum Infinite Visa

Scotia Momentum Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before January 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
  • Apply-Now


CIBC Dividend Visa Infinite Card

CIBC Dividend Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before February 28, 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
  • 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
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