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Top Cash Back Credit Card Offers for November 2019

Many offers expired at the end of October, so November is mostly a fresh month with many new offers that were either extended or changed up. You will even notice some offers that were supposed to end in November that got preemptively extended.

I have taken off the offers with no end date as you can find them here anyway: Top Cash Back Credit Cards. This post will really focus on promotions with a specific end date.

Top Cash Back Credit Card Offers for November 2019

Tangerine Money-Back Credit Card

  • No annual fee
  • Earn 4% cash back on choice of 2 categories (3rd choice if you deposit the cash back into your Tangerine Savings Account) (if you apply before January 31, 2020)
  • Earn 2% cash back on choice of 2 categories (3rd choice if you deposit the cash back into your Tangerine Savings Account)
  • Earn 0.5% cash back on all other purchases

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 March 31, 2020)
  • 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

CIBC Dividend Visa Card

  • No annual fee
  • Earn 5% cash back (on first $2,000 in spending up to the first 4 months, if you add one recurring monthly bill payment and apply before March 1, 2020)
  • Earn 2% cash back on grocery purchases
  • Earn 0.5% cash back on all other purchases (on the first $6,000 of annual purchases)
  • Earn 1% cash back on all other purchases (after the first $6,000 of annual purchases)
  • Cash back awarded automatically on the December statement

CIBC Dividend Visa Card for Students

  • No annual fee
  • Earn 5% cash back (on first $2,000 in spending up to the first 4 months, if you add one recurring monthly bill payment and apply before March 1, 2020)
  • Earn 2% cash back on grocery purchases
  • Earn 0.5% cash back on all other purchases (on the first $6,000 of annual purchases)
  • Earn 1% cash back on all other purchases (after the first $6,000 of annual purchases)
  • Cash back awarded automatically on the December statement
  • No annual fee
  • Earn $120 cash back (earn $10 cash back for every $200 in monthly spending, up to $200) (if you apply before November 30, 2019)
  • Earn 1 points for every $2 spent on all purchases
  • No annual fee
  • Earn $120 cash back (earn $10 cash back for every $200 in monthly spending, up to $200) (if you apply before November 30, 2019)
National Bank mycredit MasterCard
  • No annual fee
  • Earn $120 cash back (earn $10 cash back for every $200 in monthly spending, up to $200) (if you apply before November 30, 2019)
  • Earn 1% cash back on restaurant purchases and recurring pre-authorized payments
  • Earn 0.5% cash back on all other purchases
National Bank Syncro MasterCard
  • $35 annual fee
  • Earn $120 cash back (earn $10 cash back for every $200 in monthly spending, up to $200) (if you apply before November 30, 2019)

Laurentian Bank Visa Dollars

  • $65 annual fee
  • No annual fee for a supplementary cardholder
  • Earn 6% cash back on gas and grocery purchases (within the 3 months, up to $2,000 in spending) (if you apply before January 15, 2020)
  • Earn 3% cash back on pre-authorized debits
  • Earn 2% cash back on gas and grocery
  • Earn 1% cash back on all other purchases
National Bank Platinum MasterCard
  • $89 annual fee
  • $35 annual fee for a supplementary card
  • Earn $480 cash back (earn $40 cash back for every $500 in monthly spending, up to $480) (if you apply before November 30, 2019)
  • Earn 1 point per dollar on all purchases

CIBC Dividend Visa Platinum Card

  • $99 annual fee (first year fee waived if you apply before March 1, 2020)
  • $30 annual fee for a supplementary cardholder (maximum 3 cards)
  • Earn 10% cash back (on first $2,000 in spending up to the first 4 months, if you apply before March 1, 2020)
  • 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 (first year fee waived if you apply before March 1, 2020)
  • $30 annual fee for a supplementary cardholder (maximum 3 cards)
  • Earn 10% cash back (on first $2,000 in spending up to the first 4 months, if you apply before March 1, 2020)
  • 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.

National Bank World MasterCard
  • $119 annual fee
  • $35 annual fee for a supplementary card
  • Earn $480 cash back (earn $40 cash back for every $500 in monthly spending, up to $480) (if you apply before November 30, 2019)
  • Earn 1.25 points per dollar in purchases (on the first $0 to $20,000 in purchases in an anniversary year)
  • Earn 2 points per dollar in purchases (on the next $20,001 to $30,000 in an anniversary year)
  • Earn 1.25 points per dollar in purchases (on $30,001 and more in purchases in an anniversary year)
  • Have at least $60,000 in personal annual income, $100,000 household income or have $250,000 asset under management. Or $15,000 in minimum purchases per year (existing client only)

BMO CashBack World Elite MasterCard

  • $120 annual fee (waived the first year if you apply before March 31, 2020)
  • 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 March 31, 2020)
  • 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

TD Cash Back Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before December 1, 2019)
  • $50 annual fee for supplementary cardholders
  • Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending or $200 in cash back) (if you apply before December 1, 2019)
  • 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
  • Have at least $60,000 in personal annual income or $100,000 in annual household income
  • $150 annual fee
  • $50 annual fee for a supplementary card
  • Earn $480 cash back (earn $40 cash back for every $500 in monthly spending, up to $480) (if you apply before November 30, 2019)
  • Earn 1.5 points per dollar in purchases (on the first $0 to $40,000 in purchases in an anniversary year)
  • Earn 2 points per dollar in purchases (on the next $40,001 to $80,000 in an anniversary year)
  • Earn 1.5 points per dollar in purchases (on $80,001 and more in purchases in an anniversary year)
  • Received $250 on seat selection, airport parking and baggage fees (annually)
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management. Or $25,000 in minimum purchases per year (existing client only)

Also, note that we also have two other top monthly lists ongoing:

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!

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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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