What's the best cash back credit card in Canada?
Stop searching. In under 2 minutes, get matched with the best credit cards tailored to your spending habits and earn more cash back.

The best cash back cards
Card | First year value | Annual fee | Rewards † | |
---|---|---|---|---|
20.99% Purchase Interest, 23.99% Cash Advance, 23.99% Balance Transfer
|
$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:
|
||||
Apply Now | ||||
20.99% Purchase Interest, 21.99% Cash Advance
|
$540
|
$119.88 |
In your first 10 months as a new SimplyCash® Card from American Express Cardmember, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card. This could add up to $100 in statement credits in the first 10 months
Earn accelerated earn rates on eligible gas and grocery purchases Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases † Conditions Apply
|
Apply Now |
Annual fee: $119.88
Rewards:
In your first 10 months as a new SimplyCash® Card from American Express Cardmember, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card. This could add up to $100 in statement credits in the first 10 months Earn accelerated earn rates on eligible gas and grocery purchases Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases † Conditions Apply
Best used for:
|
||||
Apply Now | ||||
20.99% Purchase Interest, 21.99% Cash Advance
|
$345
|
$0 |
In your first 10 months as a new SimplyCash® Card from American Express Cardmember, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card. This could add up to $100 in statement credits in the first 10 months
Earn accelerated earn rates on eligible gas and grocery purchases Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases † Conditions Apply
|
Apply Now |
Annual fee: $0
Rewards:
In your first 10 months as a new SimplyCash® Card from American Express Cardmember, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card. This could add up to $100 in statement credits in the first 10 months Earn accelerated earn rates on eligible gas and grocery purchases Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases † Conditions Apply
Best used for:
|
||||
Apply Now | ||||
20.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
|
$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 0.99% introductory interest rate on Balance Transfers for 9 months, 2% 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 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred* † Conditions Apply
Best used for:
|
||||
Apply Now |
Sign up to be a RateMyRewards member
By signing up you agree to receive emails from RMR and will be able to get exclusive deals and updates for free
If you are already a member, please enter your email address below.