What's the best cash back credit card in Canada?
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The best cash back cards
Card | First year value | Annual fee | Rewards † | |
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20.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
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$444
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$120 |
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
No annual fee in the first year, including on supplementary cards. Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases. Earn 2% for every $1 you spend on gas purchases and daily transit purchases. Earn 1% cash back on all other purchases with no cash back limit. Visa Infinite Dining and Wine Country program, Hotel Collection, Concierge Service. Comprehensive Travel Insurance (Trip Interruption & Cancellation, Travel Medical) † Conditions Apply
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Apply Now |
Annual fee: $120
Rewards:
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases. Earn 2% for every $1 you spend on gas purchases and daily transit purchases. Earn 1% cash back on all other purchases with no cash back limit. Visa Infinite Dining and Wine Country program, Hotel Collection, Concierge Service. Comprehensive Travel Insurance (Trip Interruption & Cancellation, Travel Medical) † Conditions Apply
Best used for:
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19.95% Cash Advance, 19.95% Balance Transfer
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$255
|
$0 |
Get 10% back* on everyday purchases and 1.95% Balance Transfer promo for 6 months.
Mastercard® Airport Experiences Provided by LoungeKey * Boingo Wi-Fi for Mastercard®* Mastercard® Travel Rewards* On-Demand and Subscription Services* Rental Car Collision/Loss Damage Insurance* Mobile Device Insurance* † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Get 10% back* on everyday purchases and 1.95% Balance Transfer promo for 6 months. Mastercard® Airport Experiences Provided by LoungeKey * Boingo Wi-Fi for Mastercard®* Mastercard® Travel Rewards* On-Demand and Subscription Services* Rental Car Collision/Loss Damage Insurance* Mobile Device Insurance* † Conditions Apply
Best used for:
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Apply Now | ||||
19.95% Purchase Interest, 19.95% Cash Advance
|
$255
|
$0 |
Enjoy the extra 10% back* and 1.95% Balance Transfer promo for 6 months
Exclusive Experiences and Offers Zero Liability Extended Warranty † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Enjoy the extra 10% back* and 1.95% Balance Transfer promo for 6 months Exclusive Experiences and Offers Zero Liability Extended Warranty † Conditions Apply
Best used for:
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Apply Now | ||||
20.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
|
$372
|
$120 |
Earn 10% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000
Cash Back Dollars never expire as long as your account is open and in good standing. Emergency Road Services with the Deluxe TD Auto Club Membership Travel with confidence with Travel Medical Insurance Complimentary Visa Infinite® Concierge service available 24/7s. † Conditions Apply
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Apply Now |
Annual fee: $120
Rewards:
Earn 10% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000 Cash Back Dollars never expire as long as your account is open and in good standing. Emergency Road Services with the Deluxe TD Auto Club Membership Travel with confidence with Travel Medical Insurance Complimentary Visa Infinite® Concierge service available 24/7s. † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
|
$240
|
$120 |
Welcome offer: Get up to 10% cash back in your first 3 months and and the $120 annual fee waived in the first year
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey. Free membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program † Conditions Apply
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Apply Now |
Annual fee: $120
Rewards:
Welcome offer: Get up to 10% cash back in your first 3 months and and the $120 annual fee waived in the first year Complimentary membership in Mastercard Airport Experiences provided by LoungeKey. Free membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
|
$261
|
$99 |
- Unlimited Cash Back on Your Purchases.
- Earn up to 1.5% cash back on your spending* – big or small. - Premium Benefits † Conditions Apply
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Apply Now |
Annual fee: $99
Rewards:
- Unlimited Cash Back on Your Purchases. - Earn up to 1.5% cash back on your spending* – big or small. - Premium Benefits † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 21.99% Cash Advance, 21.99% Balance Transfer
|
$381
|
$99 |
Earn 10% cash back up tp $400 in your first 4 months*
Earn 2% cash back when your Welcome Rate ends* No limit to the amount of cash back you can earn Access to memorable experiences with American Express Invites® This offer is not available for residents of Quebec.† Extensive insurance coverage and 24/7 Customer Service † Conditions Apply
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Apply Now |
Annual fee: $99
Rewards:
Earn 10% cash back up tp $400 in your first 4 months* Earn 2% cash back when your Welcome Rate ends* No limit to the amount of cash back you can earn Access to memorable experiences with American Express Invites® This offer is not available for residents of Quebec.† Extensive insurance coverage and 24/7 Customer Service † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
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$345
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$39 |
Get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that)
Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments. Earn 1% cash back on all other eligible purchases. Save on car rentals- up to 25% off base rates. Purchase Security & Extended Warranty Protection. † Conditions Apply
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Apply Now |
Annual fee: $39
Rewards:
Get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that) Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments. Earn 1% cash back on all other eligible purchases. Save on car rentals- up to 25% off base rates. Purchase Security & Extended Warranty Protection. † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
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$192
|
$0 |
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Plus, get a 0% introductory interest rate on purchases and balance transfers for the first 6 months Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments. Earn 0.5% cash back on all other eligible purchases. † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on purchases and balance transfers for the first 6 months Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments. Earn 0.5% cash back on all other eligible purchases. † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
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$300
|
$0 |
Get Unlimited Cash Back on Your Purchases
Get unlimited cash back* . Plus, your rewards accumulate automatically so you don't need to keep track. Load personalized offers for great brands before you shop to get cash savings or to earn bonus RBC Rewards points faster Link your card and instantly save 3¢/L on fuel* and always earn 20% more Petro-Points at Petro-Canada* No annual fee † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Get Unlimited Cash Back on Your Purchases Get unlimited cash back* . Plus, your rewards accumulate automatically so you don't need to keep track. Load personalized offers for great brands before you shop to get cash savings or to earn bonus RBC Rewards points faster Link your card and instantly save 3¢/L on fuel* and always earn 20% more Petro-Points at Petro-Canada* No annual fee † Conditions Apply
Best used for:
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Apply Now |
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