Top Cash Back Credit Cards
Below are the top cash back credit cards in Canada (sorted by annual fees):
- 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
- 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
- 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
- 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
Below are the top annual fee cash back credit cards in Canada (sorted by annual fee):
- $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
- $65 annual fee
- No annual fee for a supplementary cardholder
- Earn 6% cash back on gas and grocery (in the first 3 months; up to $2,000) (if you apply before October 31, 2018)
- Earn 3% cash back on pre-authorized debits
- Earn 2% cash back on gas and grocery (after the promotional period mentioned above has expired)
- Earn 1% cash back on all other purchases
- $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
- $99 annual fee (first year fee waived if you apply before October 31, 2018)
- $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
- $99 annual fee for first time cardholders (first year fee waived if you apply before October 31, 2018)
- $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
- $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
- Not available to Quebec residents
- $120 annual fee
- $50 annual fee for supplementary cardholders
- Earn 9% cash back on gas, grocery and recurring bill payments (for the first 3 months or first $3,500 in spending if you apply before December 3, 2018)
- 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
