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Current 10% and Above Cash Back Offers for November 2022

For this month, there were quite a few changes relatively speaking. First of all, most of the previous month expiring offers were extended by a few months longer. The BMO Business and Tangerine offers will be coming to an end before it makes it to the next monthly list. Also, we added the Rogers Connections card in the permanent offers section.

Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers if you wish to see a more complete list of cards, not just cards that offer at least 10% cash back.

Note that we have split up the list into temporary (limited time) and permanent offers (indefinite, but can end any time without notice).

Temporary 10% and above cash back offers

These are companies that currently offer 10% cash back bonuses with specific end dates. We listed the cards based on the expiry dates of the promotion by putting the most recent one on top.

November 2022

Tangerine Money-Back Credit Card

  • No annual fee
  • Earn 15% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before November 18, 2022)
  • 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

Since there is no annual fee, the total 15% cash back on all spending is $150 (15% x $1,000) cash back in the first year.

Tangerine World MasterCard

  • No annual fee
  • Earn 15% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before November 18, 2022)
  • 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

Since there is no annual fee, the total 15% cash back on all spending is $150 (15% x $1,000) cash back in the first year.

December 2022

BMO CashBack World Elite MasterCard

  • $120 annual fee (waived the first year for applying before December 6, 2022)
  • Earn 10% cash back on all purchase in the first 3 months or up to $2,000 in spending (apply before December 6, 2022)
  • Earn 1.5% cash back on all purchases
  • Have at least $80,000 in personal annual income or $150,000 in annual household income

Since the $120 annual fee is waived, the net maximum 10% cash back on all spending is $200 (10% x $2,000) cash back in the first year.

February 2023

HSBC Cash Rewards MasterCard® (non-QC residents only)*

  • No annual fee
  • Earn an additional 12.5% cash back on all purchases for the first 180 days (up to $1,000 in total purchases) (apply by February 28, 2023
    • Earn up to 14% cash back on eligible online purchases
    • Earn up to 13.5% cash back on eligible gas, grocery and drugstore
    • Earn up to 13% cash back on all other everyday purchases
  • Ongoing cash back earnings after the first 180 days:
    • 1.5% cash back on up to $6,000 of online purchases (including streaming services, online subscriptions and food delivery)
    • 1% cash back on gas, grocery and drugstore purchases.
    • 0.5% cash back on (almost) everything else
  • *Terms and Conditions apply
  • ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.

Since there is no annual fee and the highest cash back category gives 14% cash back on $1,000 in spending, there is a maximum of $140 (14% x $1,000) cash back in the first year. 

HSBC Cash Rewards Mastercard (QC residents only)*

  • No annual fee
  • Earn $125 cash back on keeping account open and active for six months (apply by February 28, 2023)
    • Earn 1.5% cash back on up to $6,000 of online purchases (including streaming services, online subscriptions and food delivery)
    • Earn 1% cash back on gas, grocery and drugstore purchases.
    • 0.5% cash back on (almost) everything else
  • *Terms and Conditions apply
  • ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.

Since there is no annual fee, there is a $125 cash back without any spending requirement in the first year.

April 2023

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived for applying before April 30, 2023)
  • $50 annual fee for a supplementary cardholder
  • Earn 10% cash back on all purchase in the first 3 months or up to $2,000 in spending (apply before April 30, 2023)
  • 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

Since the $120 annual fee is waived, the net maximum 10% cash back on all spending is $200 (10% x $2,000) cash back in the first year.

  • $120 annual fee (first year fee waived if you apply before May 28, 2023)
  • $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) (apply before May 28, 2023)
  • 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

Since the $120 annual fee is waived, the net maximum 10% cash back on all spending is $200 (10% x $2,000) cash back in the first year

Permanent 10% and above cash back offers

There are the credits offering at least 10% cash back with no expiry date. But note that this also means that the bonuses can be changed at any time without notice.

Rogers Connections Mastercard

  • $29 annual fee (first year fee waived)
  • Earn 10% cash back on all purchases made in the first 3 months (up to $1,000 spend)
  • Earn 2% cash back on eligible U.S. dollar purchases
  • Earn 1% cash back on all other purchases
  • Earn 30% more cash back redemption for Rogers purchases
  • Receive 5 free “Roam Like Home” days every year

Since the $29 annual fee is waived, the net maximum 10% cash back on all spending is $100 (10% x $1,000) cash back in the first year.

  • No annual fee
  • Earn 10% cash back on restaurants and bars purchases on up to $500 in spending or within the first 4 months (whichever comes first)
  • 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

There is no annual fee, so the net maximum 10% cash back on restaurant and bars spending is $50 (10% x $500) cash back in the first year.

Also, note that we also have two other top monthly lists ongoing:

Did we miss any credit cards? Please let us know in the comment section below!

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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
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