Top Cash Back Credit Cards
Below are the top cash back credit cards in Canada (lowest annual fee at the top, then alphabetically):
- No annual fee
- Earn 5% cash back on all purchases (for the first 4 months, up to $2,500 in spending or $125 in cash back) (apply before July 31, 2023)
- Earn 3% cash back on grocery purchases (up to $500 in spending per monthly cycle)
- Earn 1% cash back on recurring bill purchases
- Earn 0.5% cash back on all other purchases
- No annual fee
- Earn 3% cash back on restaurants and Costco gas purchases (up to $5,000 in spending)
- Earn 2% cash back at all other gas and Costco.ca purchases (up to $8,000 in spending)
- Earn 1% cash back on all other purchases
- Have at least $15,000 in personal annual income
- Exclusive to Costco members
- No annual fee
- Earn an additional 12.5% cash back* on all purchases for the first 180 days (up to $1,000 in total purchases) (apply by February 28, 2023)
- Earn up to 14% cash back on eligible online purchases
- Earn up to 13.5% cash back on eligible gas, grocery and drugstore
- Earn up to 13% cash back on all other everyday purchases
- Ongoing cash back earnings after the first 180 days:
- 1.5% cash back on up to $6,000 of online purchases (including streaming services, online subscriptions and food delivery)
- 1% cash back on gas, grocery and drugstore purchases.
- 0.5% cash back on (almost) everything else
- *Terms and Conditions apply
- ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
- No annual fee
- Earn $125 cash back on keeping account open and active for six months (apply by February 28, 2023)
- Earn 1.5% cash back* on up to $6,000 of online purchases (including streaming services, online subscriptions and food delivery)
- Earn 1% cash back on gas, grocery and drugstore purchases.
- 0.5% cash back on (almost) everything else
- *Terms and Conditions apply
- ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
- No annual fee
- Earn 1% on restaurant purchases and recurring pre-authorized payments (after the promotional period is done)
- Earn 0.5% cash back on all other purchases
- No minimum annual income required to apply
- No annual fee
- Earn 10% cash back on restaurants and bars (up to $500 in spending or within the first 4 months) (no time limit specified)
- Earn 4% cash back on restaurants and bars (after the 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
- Have at least $15,000 in personal annual income
- No annual fee
- Up to 5 supplementary cardholders
- Earn 15% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before November 18, 2022)
- 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
- Up to 5 supplementary cardholders
- Earn 15% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before November 18, 2022)
- 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
- Receive Boingo Wi-Fi
- No annual fee
- Earn $25 sign up bonus (earn $15 Welcome Bonus plus $10 Paperless Statement Bonus)
- Earn 3% cash back on walmart.ca purchases
- Earn 1.25% cash back on gas and walmart.ca purchases
- Earn 1% cash back on all other purchases
- Have at least $100,000 in annual household income
- No fee (Neo Essential Credit Card), earn 4% average cash back with Neo partner companies
- $2.99 monthly fee (Neo Plus Credit Card), earn 5% average cash back with Neo partner companies
- $8.99 monthly fee (Neo Max Credit Card), earn 6% average cash back with Neo partner companies
- Earn 1% cash back on all other purchases
- $9.99 monthly fee
- No annual fee for a supplementary cardholder
- Earn 4% cash back on gas and grocery (up to $30,00 in annual spending)
- Earn 2% cash back on all other purchases
- $99 annual fee (first year fee waived)
- $30 annual fee for supplementary cardholders
- Earn 4% cash back on gas and grocery store purchases (on the first $25,000 in purchases, then 1% for all other purchases)
- Earn 2% pharmacy purchases and utility bill payments (on the first $25,000 in purchases, then 1% for all other purchases)
- Earn 1% cash back on all other purchases
- Not available to Quebec residents
- Have at least $60,000 in personal annual income or $100,000 in annual household income
- $120 annual fee (waived the first year if you apply before July 23, 2023)
- Earn 10% cash back for every $1 spent on all purchases (for the first 3 months, up to $2,600 in spending or $300 in cash back) (if you apply before July 23, 2023)
- Earn 5% cash back for every $1 spent on the first $500 per month in grocery purchases
- Earn 4% cash back for every $1 spent on the first $300 per month in transit purchases
- Earn 3% cash back for every $1 spent on the first $300 per month in gas and electronic vehicle charging purchases
- Earn 2% cash back for every $1 spent on the first $500 per month in recurring bill payments
- Earn 1% cash back for every $1 spent on all purchases and thereafter
- Have at least $80,000 in personal annual income or $150,000 in annual household income
- $120 annual fee for first time cardholders (first year fee waived)
- $30 annual fee for a supplementary cardholder (maximum 3 cards)
- Earn 10% cash back on the first 4 statements or up to $2,000 in spending
- Earn 4% cash back on gas and grocery purchases
- Earn 2% cash back on dining, recurring payments and transportation purchases
- Earn 1% cash back on all other purchases
- Have at least $60,000 in personal annual income or $100,000 in annual household income
- $120 annual fee (first year fee waived)
- Earn 3% cash back on grocery store purchases (on the first $25,000 in purchases annually)
- Earn 2% cash back on travel purchases purchases (on the first $25,000 in purchases annually, then 1% for all other purchases)
- Earn 1% cash back on all other purchases
- $120 annual fee (first year fee waived for applying before April 30, 2023)
- $50 annual fee for a supplementary cardholder
- Earn 10% cash back on the first 3 months up to $2,000 in spending (apply before April 30, 2023)
- 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
- $139 annual fee (first year fee waived, if apply by May 28, 2023)
- $50 annual fee for supplementary cardholders
- Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending) (apply by May 28, 2023)
- 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
