Pointshogger | Top Cash Back Credit Cards

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 May 31, 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 May 31, 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 fee
Monthly subscription available to customize your Neo Card by stacking perks that reward your spending
Earn $25 sign up bonus
Earn up 15% cash back on first time purchases
Earn up 5% cash back on partner purchases
Earn 1% cash back on all other purchases

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 10% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before May 2, 2023)
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 10% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before May 2, 2023)
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

$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