Top Cash Back Credit Card Offers for July 2019

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.

Limited Time with No End Date

Simplii Financial Cash Back Visa Card

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

This offer may be withdrawn or changed without prior notice at any time.

RBC Cash Back Preferred World Elite MasterCard

• $99 annual fee
• No annual fee for a supplementary cardholder
• Earn 1.75% cash back on all purchases for the first 6 months (up to $25,000 in spending) (could be limited time)
• Earn 1.5% cash back on all other purchases thereafter

There does not seem to be an expiry date on the 1.75% cash back bonus. However, on the main RBC website, it still shows that you can only earn 1.5%.

Limited Time with an End Date

Tangerine Money-Back Credit Card

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 November 30, 2019)
• 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

BMO SPC 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 November 30, 2019)
• Earn 1% cash back on all purchases
• Receive cash back through a: (1) direct deposit into a BMO chequing, savings or InvestorLine account; or (2) 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

CIBC Dividend Visa Card

• No annual fee
• Earn 5% cash back (on first $2,000 in spending up to the first 4 months, if you add one recurring monthly bill payment and apply before October 31, 2019)
• Earn 2% cash back on grocery purchases
• Earn 0.5% cash back on all other purchases (on the first $6,000 of annual purchases)
• Earn 1% cash back on all other purchases (after the first $6,000 of annual purchases)
• Cash back awarded automatically on the December statement

CIBC Dividend Visa Card for Students

• No annual fee
• Earn 5% cash back (on first $2,000 in spending up to the first 4 months, if you add one recurring monthly bill payment and apply before October 31, 2019)
• Earn 2% cash back on grocery purchases
• Earn 0.5% cash back on all other purchases (on the first $6,000 of annual purchases)
• Earn 1% cash back on all other purchases (after the first $6,000 of annual purchases)
• Cash back awarded automatically on the December statement

Laurentian Bank Visa Dollars

• $65 annual fee
• No annual fee for a supplementary cardholder
• Earn 6% cash back on gas and grocery purchases (within the 3 months, up to $2,000 in spending) (if you apply before October 31, 2019)
• Earn 3% cash back on pre-authorized debits
• Earn 2% cash back on gas and grocery
• Earn 1% cash back on all other purchases

CIBC Dividend Visa Platinum Card

• $99 annual fee
• $30 annual fee for a supplementary cardholder (maximum 3 cards)
• Earn 10% cash back (on first $2,000 in spending up to the first 4 months, if you apply before October 31, 2019)
• Earn 4% cash back on gas and grocery purchases
• Earn 2% cash back on Tim Hortons and TELUS purchases
• Earn 1% cash back on all other purchases
• Cash back awarded automatically on the December statement

Note, the 4% and 2% cash back are on the first $80,000 in total purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account, whichever comes first.

CIBC Dividend Visa Infinite Card

• $99 annual fee
• $30 annual fee for a supplementary cardholder (maximum 3 cards)
• Earn 10% cash back (on first $2,000 in spending up to the first 4 months, if you apply before October 31, 2019)
• Earn 4% cash back on gas and grocery purchases
• Earn 2% cash back on Tim Hortons and TELUS purchases
• Earn 1% cash back on all other purchases
• Cash back awarded automatically on the December statement

Note, the 4% and 2% cash back are on the first $80,000 in total purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account, whichever comes first.

BMO CashBack World Elite MasterCard

• $120 annual fee
• 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 November 30, 2019)
• 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

TD Cash Back Visa Infinite Card

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

• Best Current First Year Fee Waived Cards
• Top Higher than Normal Sign Up Bonus Offers

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!