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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 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
  • 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
  • Apply-Now


BMO Cashback MasterCard

BMO CashBack MasterCard

  • 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 November 29, 2018)
  • Earn 1% cash back on all other purchases
  • Apply-Now


BMO SPC CashBack MasterCard

BMO SPC CashBack MasterCard

  • 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 November 29, 2018)
  • 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
  • Apply-Now


Laurentian Bank Visa Dollars

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
  • 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


Scotiabank Momentum Infinite Visa

Scotia Momentum Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before February 28, 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 February 28, 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
  • 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)
  • Receive 1 year free Amazon Prime (after spending $500 in the first 4 months, if you apply before February 28, 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
  • 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 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
  • Apply-Now


TD Cash Back Visa Infinite Card

TD Cash Back Visa Infinite Card

  • $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
  • 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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