Top Cash Back Credit Card Offers for April 2020
With the way things are going, maybe it makes more sense to focus on cash back? If that’s what you decide, today’s post will be most relevant to you.
Here’s a link to my strategy shift for the time being during the pandemic.
This list has really trimmed down over the past couple of months. We are down to a small handful of cards that have higher than normal cash back bonuses. Note that this post focuses on temporary offers. Our Top Cash Back Credit Cards page continues to list current offers that are not exclusive to limited time offers like this post.
The most significant one to keep track of is the Laurentian Bank Visa Dollars one. It expires today.
Top No Annual fee cash back credit card offers for April 2020
Below is the list of the top no annual fee offers based on their upcoming expiry dates, with the most recent on top.
BMO CashBack MasterCard
- 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 October 31, 2020)
- Earn 1% cash back on all other purchases
- Receive cash back: (1) direct deposit into a BMO chequing, savings or InvestorLine account; or (2) a statement credit
- Redeem: (1) annually; (2) when a recurring amount has accumulated a minimum of $50 and in increments of $10; or (3) a one-time lump sum with a minimum of $50 and in increments of $10
Top Annual fee cash back credit card offers for April 2020
Below is the list of the top annual fee offers based on their upcoming expiry dates, with the most recent on top. Granted some of them offer first year fee waived offers.
Laurentian Bank Visa Dollars
- $65 annual fee (first year fee waived if you apply before April 15, 2020)
- No annual fee for a supplementary cardholder
- Earn $8% cash back on gas and grocery purchases (within the 3 months, up to $2,000 in spending) (if you apply before April 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
TD Cash Back Visa Infinite Card
- $120 annual fee (first year fee waived if you apply before May 31, 2020)
- $50 annual fee for supplementary cardholders
- Earn 6% cash back on all purchases (for the first 3 months, up to $2,000 in spending) (if you apply before May 31, 2020)
- 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
BMO CashBack World Elite MasterCard
- $120 annual fee (waived the first year if you apply before October 31, 2020)
- Earn 5% cash back on all purchases (for the first 4 months, up to $4,000 in spending or $200 in cash back) (if you apply before October 31, 2020)
- Earn 1.5% cash back on all purchases
- Receive cash back: (1) direct deposit into a BMO chequing, savings or InvestorLine account; or (2) a statement credit
- Redeem: (1) annually; (2) when a recurring amount has accumulated a minimum of $50 and in increments of $10; or (3) a one-time lump sum with a minimum of $50 and in increments of $10
Scotia Momentum Visa Infinite Card
- $120 annual fee (first year fee waived if you apply before April 30, 2020)
- $50 annual fee for a supplementary cardholder
- 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 April 30, 2020)
- 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
Also, note that we also have two other top monthly lists ongoing:
Please let us know if you would like to see other types of monthly lists as or if we missed any credit cards in the comment section below!