Laurentian Bank

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Top Cash Back Credit Card Offers for July 2019

ByMatt

A few highlights this month, it looks like CIBC upped their game by offering some competitive cash back sign up bonus offers. The Tangerine Money-Back Credit Card offer ends this month, so if you are still thinking about it, this is the time to get it. Personally, I am still more focused on earning miles and points, even though the cash back competition is as high as we have ever seen in Canada over the past 18 months. That being said, for those of you who are frustrating with miles and points, now is as good a time as ever to jump into cash back card. Keep in mind that we also have an going Top Cash Back Credit Cards page which consists of permanent and temporary offers, while this post focuses on temporary offers only. I have broken down the temporary offers into two categories.

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Top Cash Back Credit Card Offers for May 2019

ByMatt

Keep in mind that we also have an going Top Cash Back Credit Cards page which consists of permanent and temporary offers, while this post focuses on temporary offers only. I have broken down the temporary offers into two categories. But first, let’s continue with our newest theme of adding a featured card.Key HighlightsI know I have been mentioning the featured card in my last few posts. But I realize that sometimes, it is too difficult to just talk about one card when there is a long list. So I am going to try something different on this post. I am going to mention key highlights for this month’s list. 

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Ranking the Credit Card Portfolios of Each Canadian Financial Institutions (updated May 1, 2019)

ByMatt

I have been debating how often I should update this post. I decided on 6 months, and it has been the latest trend anyway. There has been several changes (though mostly in the bottom half of the rankings) to the industry in that period of time to warrant an update anyway. Most significantly, it was time to include Brim Financial and Cuets.Every time I write up an update, I generally try to have a theme throughout the post. This time around, I am going to emphasis more on the gap between the rankings.Below are my personal rankings of each company, along with a commentary and a list of some of my top credit card picks for each financial institution.

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Top Cash Back Credit Card Offers for April 2019

ByMatt

We are well into 2019 now and most of the 2018 offers expired by the end of March. Going forward, we are looking at new offers. The reason I mention this is because there tends to be a theme each other. For example, high sign up bonuses (2013, 2017), strong cash back (2018), etc. So I am trying to figure out what the theme is. For now, it seems like we are still riding the momentum of a strong 2018 cash back year. 

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Top Cash Back Credit Card Offers for March 2019

ByMatt

In my last top credit cards post, I started a new trend of mentioning featured cards in each list. I thought I’d keep it going. For this month, there are actually two cards that are tied.

Also keep in mind that we also have an going Top Cash Back Credit Cards page which consists of permanent and temporary offers, while this post focuses primarily on temporary offers.

Featured Cards
The Meridian Visa Infinite Cash Back Card and Scotia Momentum Visa Infinite Card have virtually the same offers, features and benefits. The two key are the first year fee waived and 10% cash back on the first $2,000 in purchases. The main difference is that the Meridian card does not seem to have an end-date on its offer, but the cards is only available to Ontario residents. The Scotiabank card is more widely accepted.

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Top Cash Back Credit Card Offers for February 2019

ByMatt

This is the first cash back list of the year. Just like our other two lists…

Best Current First Year Fee Waived Cards
Top Higher than Normal Sign Up Bonus Offers
… most of the current offers are carried over from last year. Last year was probably the stronger cash back offers ever in Canada. As we begin the new year, I am a little torn. I like seeing the competition elevate in the credit card rewards industry. However, the more emphasis there is on cash back, the less there will be on miles and points.

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Top Cash Back Credit Card Offers for January 2019

ByMatt

This is the first cash back list of the new year, so expect that most of the offers are carried over from 2018.

I must say, 2018 was an amazing year for cash back credit cards. Can they top it this year?

Personally, I still rather collect miles and points. So my hope is that the competitive cash back market is going to put pressure on partnerships with airlines and hotels to up their game. That being said, I feel slightly pessimistic about this hope because it does seem like the industry is going to continue to shift towards more cash back. Here’s hoping that I am wrong!

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Top Cash Back Credit Card Offers for November 2018

ByMatt

A new credit card (Simplii Financial Cash Back Visa Card) has hit the market with a bang! For the first time ever, we are seeing two 10% cash bonus promotional offers. Furthermore, several promotions that ended last month had some changes to their offers. Check out the updates below.

Please let us know in the comment section below if you would like to see other types of monthly lists as well!

For this post, I listed the credit cards based on their annual fees.

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Ranking the Credit Card Portfolios of Each Canadian Financial Institutions (updated November 1, 2018)

ByMatt

It has been 6 months since my last update, so I think it was due. Since last time, I started a new ranking system where I just flat our ranked the credit card companies, rather than grouping them. Note that promotions are factored into the rankings, but because they are only temporary offers, more weight is put into their regular offers.

Below are my personal rankings of each company, along with a commentary and a list of some of my top credit card picks for each financial institution.

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Top Cash Back Credit Card Offers for October 2018

ByMatt

Quite a few promotions are expiring at the end of the month. They may get extended, but if you do not want to take a risk, now would be the time to sign up for them. 

Keep in mind that we also have an going Top Cash Back Credit Cards page which consists of permanent and temporary offers, while this post focuses on temporary offers only.

Note that we also have two other types of recent monthly lists going on: