Top Cash Back Credit Card Offers for October 2019

You will notice for this month’s list, there are quite a few promotional offers that finish at month end. So if you are interested in something, now would be the time to jump on the offers. There is no way to know what will happen come November 1, 2019. Some offers can be extended (e.g. TD cash back offer from last month), terminated or changed something else.

I have split the list into two categories. One with a limited time (but no end date offer) and another one with a limited time offer.

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This offer may be withdrawn or changed without prior notice at any time.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

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

• No annual fee
• Earn $120 cash back (earn $10 cash back for every $200 in monthly spending, up to $200) (if you apply before October 31, 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 October 31, 2019)
• Earn 1.5% cash back on gas, grocery and online purchases
• Earn 1% 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 October 31, 2019)

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

• $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 October 31, 2019)
• Earn 1 point per dollar on all 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.

• $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 October 31, 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
• 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

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.

Also, 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!