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Top Cash Back Credit Cards

Below are the top cash back credit cards in Canada (lowest annual fee at the top, then alphabetically):

 


BMO Cashback MasterCard

BMO CashBack MasterCard

  • 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
  • Apply-Now


CIBC Costco Mastercard

CIBC Costco Mastercard

  • 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
  • Apply-Now


HSBC Cash Rewards MasterCard

HSBC Cash Rewards MasterCard® (non-QC residents only)*

  • 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.


HSBC Cash Rewards MasterCard

HSBC Cash Rewards Mastercard (QC residents only)*

  • 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.


National Bank mycredit Mastercard

National Bank mycredit Mastercard

  • 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
  • Apply-Now


Simplii Financial Cash Back Visa Card

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) (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
  • Apply-Now


Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

  • 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
  • Apply-Now


Tangerine Money-Back Credit Card

Tangerine World MasterCard

  • 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
  • Apply-Now


Walmart Rewards World Mastercard

Walmart Rewards World Mastercard

  • 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
  • Apply-Now


Neo Financial MasterCard

Neo Financial MasterCard

  • 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
  • Apply-Now


American Express SimplyCash Preferred Card

American Express SimplyCash Preferred Card

  • $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
  • Apply-Now


Meridian Visa Infinite Cash Back Card

Meridian Visa Infinite Cash Back Card

  • $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
  • Apply-Now


BMO Cash Back World Elite MasterCard

BMO Cash Back World Elite MasterCard

  • $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
  • Apply-Now


CIBC Dividend Visa Infinite Card

CIBC Dividend Visa Infinite Card

  • $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
  • Apply-Now


ManulifeMONEY+ Visa Infinite

ManulifeMONEY+ Visa Infinite

  • $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
  • Apply-Now


Scotiabank Momentum Infinite Visa

Scotia Momentum Visa Infinite Card

  • $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
  • Apply-Now


TD Cash Back Visa Infinite Card

TD Cash Back Visa Infinite Card

  • $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
  • Apply-Now


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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

  • Ottawa | Vancouver
  • @pointshogger

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