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"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 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 October 31, 2019)
  • 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
  • Apply-Now


Simplii Financial Cash Back Visa Card

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) (no time limit specified)
  • Earn 4% cash back on restaurants and bars (after the 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
  • Have at least $15,000 in personal annual income
  • Apply-Now


BMO Cashback MasterCard

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
  • Apply-Now


BMO SPC CashBack MasterCard

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
  • 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
  • Have at least $12,000 in personal annual income
  • Apply-Now


Laurentian Bank Visa Dollars

Laurentian Bank Visa Dollars

  • $65 annual fee
  • No annual fee for a supplementary cardholder
  • Earn 6% cash back for the first 3 months (up to $2,000 in spending, if you apply before October 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
  • Apply-Now


American Express SimplyCash Preferred Card

  • $99 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 $6,000 in purchases or $300 cash back)
  • Earn 2% cash back on all other purchases and when the Welcome 5% ends
  • Apply-Now


CIBC Dividend Visa Infinite Card

CIBC Dividend Visa Infinite Card

  • $99 annual fee for first time cardholders
  • $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 October 31, 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
  • Have at least $60,000 in personal annual income or $100,000 in annual household income
  • 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 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
  • Not available to Quebec residents
  • Have at least $60,000 in personal annual income or $100,000 in annual household income
  • Apply-Now


TD Cash Back Visa Infinite Card

TD Cash Back Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before September 20, 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 September 20, 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
  • Apply-Now


Scotiabank Momentum Infinite Visa

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before October 31, 2019)
  • $50 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 grocery purchases and recurring bill payments
  • Earn 2% cash back for every $1 spent on gas and daily transit
  • Earn 1% cash back for every $1 spent on all other purchases
  • Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management
  • 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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