Top Cash Back Credit Cards
Below are the top cash back credit cards in Canada (lowest annual fee at the top):
- 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
- 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 July 31, 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 10% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before July 31, 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 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 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
- Earn 5% cash back on all purchases (for the first 4 months, up to $2,000 in spending or $100 in cash back) (apply before December 6, 2022)
- Earn 3% cash back on grocery purchases
- Earn 1% cash back on recurring bill purchases
- Earn 0.5% cash back on all other purchases
- 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
- $65 annual fee (first year fee waived after spending $1,000 in the first 3 months) (apply before June 5, 2022)
- No annual fee for a supplementary cardholder
- Earn $35 cash back after spending $4,000 in the first year (apply before June 5, 2022)
- Earn 3% cash back on pre-authorized debits
- Earn 2% cash back on gas and grocery
- Earn 1% cash back on all other purchases
- $99 annual fee
- No annual fee for a supplementary cardholder
- Earn 10% cash back on the first 4 months (up to $4,000 in purchases or $400 cash back)
- Earn 2% cash back on all other purchases and when the 10% bonus ends
- $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 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 September 5, 2022)
- $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) (apply before September 5, 2022)
- 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
- $120 annual fee (first year fee waived for applying before August 31, 2022)
- $50 annual fee for a supplementary cardholder
- Earn 10% cash back on the first 3 months up to $2,000 in spending (apply before August 31, 2022)
- 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
- $120 annual fee (waived the first year if you apply before December 6, 2022)
- 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 6, 2022)
- Earn 1.5% cash back on all purchases
- Have at least $80,000 in personal annual income or $150,000 in annual household income
