Top Cash Back Credit Card Offers for January 2021
A new year, but not yet a new list. The list has really trimmed down over time. The first one up for expiry is the Scotia Momentum Visa Infinite Card. The other 3 promotions are going to hang around a while longer.
Keep in mind that this monthly post focuses on temporary offers. We have a more complete list of ongoing offers in the Top Cash Back Credit Cards page.
Top no annual fee cash back credit card offers for January 2021
The credit cards are listed based on their expiry dates, with the earliest one first.
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 20, 2021)
- $50 annual fee for supplementary cardholders
- Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending) (if you apply before May 20, 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
- 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!