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Top Cash Back Credit Card Offers for February 2021

Today is going to be the last time that we posted this monthly list, regarding top cash back credit card promotions. The reason is because there is a strong 10% cash back market (permanent and temporary offers) in Canada. We will be replacing this slot with a new monthly list that we tried out last month (Current 10% Cash Back Portfolio for January 2021). There will still be a 10% cash back post last this month, but starting in February, it will replace this slot (which comes out in and around the 15th of every month).

Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers.

Top no annual fee cash back credit card offers for February 2021

I’ve listed the offers based on expiry dates. The first card is one that expires in a few weeks. So if you are still thinking about it, best to sign up for it before the end of the month. The remainder of the list is listed by expiry dates.

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before February 28, 2021)
  • $50 annual fee for a supplementary cardholder
  • Earn 10% cash back on the first 3 months (up to $2,000 in spending or $200 in cash back) (if you apply before February 28, 2021)
  • 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

TD Cash Back Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before May 30, 2021)
  • $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 30, 2021)
  • 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 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, 2021)
  • Earn 3% cash back on grocery purchases
  • Earn 1% cash back on recurring bill purchases
  • Earn 0.5% 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

BMO CashBack World Elite MasterCard

  • $120 annual fee (waived the first year if you apply before October 31, 2021)
  • 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 October 31, 2021)
  • 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

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!

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