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Top Cash Back Credit Card Offers for March 2019

In my last top credit cards post, I started a new trend of mentioning featured cards in each list. I thought I’d keep it going. For this month, there are actually two cards that are tied.

Also keep in mind that we also have an going Top Cash Back Credit Cards page which consists of permanent and temporary offers, while this post focuses primarily on temporary offers.

Featured Cards

The Meridian Visa Infinite Cash Back Card and Scotia Momentum Visa Infinite Card have virtually the same offers, features and benefits. The two key are the first year fee waived and 10% cash back on the first $2,000 in purchases. The main difference is that the Meridian card does not seem to have an end-date on its offer, but the cards is only available to Ontario residents. The Scotiabank card is more widely accepted.

Limited Time with No End Date

Below are offers that have no specific deadline, which means that they can be withdrawn or changed at any time without prior notice.

Simplii Financial Cash Back Visa Card

  • No annual fee
  • Earn 10% cash back on restaurants and bars (up to $500 in spending or within the first 4 months) 
  • Earn 4% cash back on restaurants and bars (after the 10% bonus offer expires)
  • Earn 1.5% cash back on gas, groceries, drugstore purchases and pre-authorized payments
  • Earn 0.5% cash back on all other purchases

TD Cash Back Visa Infinite Card

  • $120 annual fee
  • Earn 6% cash back on all purchases (for the first 3 months, up to $3,500 in spending or $210 in cash back)
  • Earn 3% cash back on gas, grocery and recurring bill payments
  • Earn 1% cash back on all other purchases

RBC Cash Back Preferred World Elite MasterCard

  • $99 annual fee
  • No annual fee for a supplementary cardholder
  • Earn 1.75% cash back for the first 6 months (could be limited time)
  • Earn 1.5% cash back on all other purchases thereafter

Note that on the main RBC website, it still shows that you can only earn 1.5% on all purchases, so this is a specific RBC link.

Meridian Visa Infinite Cash Back Card

  • $99 annual fee (first year fee waived for a limited time)
  • $30 annual fee for supplementary cardholders
  • Earn 10% cash back on all purchases (for the first 3 months or up to $2,000 in purchases)
  • 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
  • Redeem cash back any time as a statement credit (so long as account is in good standing)
  • Available to Ontario residents only

Limited Time with an End Date

BMO CashBack MasterCard

  • No annual fee
  • Earn 5% cash back on all purchases (for the first 4 months, up to $2,000 in spending or $100 in cash back) (if you apply before November 30, 2019)
  • 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 5% cash back on all purchases (for the first 4 months, up to $2,000 in spending or $100 in cash back) (if you apply before November 30, 2019)
  • 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

Laurentian Bank Visa Dollars

  • $65 annual fee (receive 50% off if you apply before March 31, 2019)
  • No annual fee for a supplementary cardholder
  • Earn $25 cash back after the first purchase (after the first purchase within 60 days, if you apply before March 31, 2019)
  • Earn 3% cash back on pre-authorized debits
  • Earn 2% cash back on gas and grocery
  • Earn 1% cash back on all other purchases

Scotia Momentum Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before April 30, 2019)
  • $30 annual fee for a supplementary cardholder
  • Earn 10% cash back on first $2,000 in spending or within the first 3 months (whichever is completed first) (if you apply before April 30, 2019)
  • 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

CIBC Dividend Visa Platinum Card

  • $99 annual fee
  • $30 annual fee for a supplementary cardholder (maximum 3 cards)
  • Earn 5% cash back (on first $3,000 in spending up to the first 4 months, if you apply before June 30, 2019)
  • 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
  • Cash back awarded automatically on the December statement

Note, the 4% and 2% cash back are on the first $80,000 in total purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account, whichever comes first.

CIBC Dividend Visa Infinite Card

  • $99 annual fee
  • $30 annual fee for a supplementary cardholder (maximum 3 cards)
  • Earn 5% cash back (on first $3,000 in spending up to the first 4 months, if you apply before June 30, 2019)
  • 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
  • Cash back awarded automatically on the December statement

Note, the 4% and 2% cash back are on the first $80,000 in total purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account, whichever comes first.

BMO CashBack World Elite MasterCard

  • $120 annual fee
  • Earn 5% cash back on all purchases (for the first 4 months, up to $4,000 in spending or $200 in cash back) (if you apply before November 30, 2019)
  • Earn 1.5% 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

Please let us know if you would like to see other types of monthly lists as or if we missed any credit cards in the comment section below!

In the meantime, feel free to check out our other two monthly lists:

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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!

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