Top Cash Back Credit Card Offers for November 2019
Many offers expired at the end of October, so November is mostly a fresh month with many new offers that were either extended or changed up. You will even notice some offers that were supposed to end in November that got preemptively extended.
I have taken off the offers with no end date as you can find them here anyway: Top Cash Back Credit Cards. This post will really focus on promotions with a specific end date.
Top Cash Back Credit Card Offers for November 2019
Tangerine Money-Back Credit Card
- No annual fee
- Earn 4% cash back on choice of 2 categories (3rd choice if you deposit the cash back into your Tangerine Savings Account) (if you apply before January 31, 2020)
- 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
- 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 March 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
- 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 March 1, 2020)
- 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 March 1, 2020)
- 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
- No annual fee
- Earn $120 cash back (earn $10 cash back for every $200 in monthly spending, up to $200) (if you apply before November 30, 2019)
- Earn 1 points for every $2 spent on all purchases
- No annual fee
- Earn $120 cash back (earn $10 cash back for every $200 in monthly spending, up to $200) (if you apply before November 30, 2019)
- No annual fee
- Earn $120 cash back (earn $10 cash back for every $200 in monthly spending, up to $200) (if you apply before November 30, 2019)
- Earn 1% cash back on restaurant purchases and recurring pre-authorized payments
- Earn 0.5% cash back on all other purchases
- $35 annual fee
- Earn $120 cash back (earn $10 cash back for every $200 in monthly spending, up to $200) (if you apply before November 30, 2019)
- $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 January 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
- $89 annual fee
- $35 annual fee for a supplementary card
- Earn $480 cash back (earn $40 cash back for every $500 in monthly spending, up to $480) (if you apply before November 30, 2019)
- Earn 1 point per dollar on all purchases
CIBC Dividend Visa Platinum Card
- $99 annual fee (first year fee waived if you apply before March 1, 2020)
- $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 March 1, 2020)
- 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 (first year fee waived if you apply before March 1, 2020)
- $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 March 1, 2020)
- 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.
- $119 annual fee
- $35 annual fee for a supplementary card
- Earn $480 cash back (earn $40 cash back for every $500 in monthly spending, up to $480) (if you apply before November 30, 2019)
- Earn 1.25 points per dollar in purchases (on the first $0 to $20,000 in purchases in an anniversary year)
- Earn 2 points per dollar in purchases (on the next $20,001 to $30,000 in an anniversary year)
- Earn 1.25 points per dollar in purchases (on $30,001 and more in purchases in an anniversary year)
- Have at least $60,000 in personal annual income, $100,000 household income or have $250,000 asset under management. Or $15,000 in minimum purchases per year (existing client only)
BMO CashBack World Elite MasterCard
- $120 annual fee (waived the first year if you apply before March 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 March 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
TD Cash Back Visa Infinite Card
- $120 annual fee (first year fee waived if you apply before December 1, 2019)
- $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) (if you apply before December 1, 2019)
- 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
- $150 annual fee
- $50 annual fee for a supplementary card
- Earn $480 cash back (earn $40 cash back for every $500 in monthly spending, up to $480) (if you apply before November 30, 2019)
- Earn 1.5 points per dollar in purchases (on the first $0 to $40,000 in purchases in an anniversary year)
- Earn 2 points per dollar in purchases (on the next $40,001 to $80,000 in an anniversary year)
- Earn 1.5 points per dollar in purchases (on $80,001 and more in purchases in an anniversary year)
- Received $250 on seat selection, airport parking and baggage fees (annually)
- Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management. Or $25,000 in minimum purchases per year (existing client only)
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!