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 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
- 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
- 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
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 drugstore 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
- $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 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
- $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
- $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 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
- Have at least $60,000 in personal annual income or $100,000 in annual household income
- $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
- $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
- $120 annual fee (first year fee waived if you apply before December 30, 2019)
- $50 annual fee for a supplementary cardholder
- 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
