What's the best cash back credit card in Canada?

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Cash back reward cards

The best cash back cards

Card	First year value	Annual fee	Rewards ^†
BMO CashBack® World Elite®* Mastercard®* Get Details 20.99% Purchase Interest, 23.99% Cash Advance, 22.99% Balance Transfer First year value $474	$474	$120	Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year* Get the highest cash back earn rate on groceries in Canada.* Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services Complimentary membership in Mastercard Airport Experiences provided by LoungeKey* † Conditions Apply	Apply Now
Annual fee: $120 Rewards: Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year* Get the highest cash back earn rate on groceries in Canada.* Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services Complimentary membership in Mastercard Airport Experiences provided by LoungeKey* † Conditions Apply Best used for:
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SimplyCash™ Preferred Card Card from American Express Get Details 19.99% Purchase Interest, 21.99% Cash Advance, 21.99% Balance Transfer First year value $381	$381	$99	New SimplyCash Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership. Earn 2.0% cash back when your Welcome Rate ends. † Conditions Apply	Apply Now
Annual fee: $99 Rewards: New SimplyCash Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership. Earn 2.0% cash back when your Welcome Rate ends. † Conditions Apply Best used for:
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SimplyCashTM Card from American Express Get Details 19.99% Purchase Interest, 21.99% Cash Advance, 21.99% Balance Transfer First year value $300	$300	$0	New SimplyCashTM from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership Earn 1.25% cash back on purchases when your Welcome Rate ends † Conditions Apply	Apply Now
Annual fee: $0 Rewards: New SimplyCashTM from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership Earn 1.25% cash back on purchases when your Welcome Rate ends † Conditions Apply Best used for:
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BMO® CashBack® Mastercard® Get Details 20.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer First year value $288	$288	$0	Welcome offer: Get up to 5% cash back in your first 3 months* Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!* Now earn the highest cash back on groceries in Canada without paying an annual fee!† Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred* † Conditions Apply	Apply Now
Annual fee: $0 Rewards: Welcome offer: Get up to 5% cash back in your first 3 months* Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!* Now earn the highest cash back on groceries in Canada without paying an annual fee!† Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred* † Conditions Apply Best used for:
Apply Now