Compare the best Cash Back credit cards in Canada 2022

Canada's Best Cash Back Credit Cards 2022

InterestRates.ca > Credit Cards > Cash back credit cards

25 CARDS The total number of credit card results available for this search	Annual Fees The amount of money charged to you each year to use the card	Rewards Rate The rewards rate your credit card receive for purchases made with your card	Bonus Offer The bonus offer available when you apply for this card	YOUR ESTIMATED NET ANNUAL REWARDS The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)
American Express® AIR MILES® Gold BusinessFeatured
Review	$0 no fee	1 mile per $1	30,000 Welcome bonus points	Net Rewards $105
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Offer Summary Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership. You and any Supplementary Cardmembers added to your account pay no annual fee for the first year of Cardmembership. Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit. You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the... See all details for the American Express® AIR MILES® Gold Business Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 21.99%% Balance Transfer Interest Rate: 21.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $ Household Income: $ Credit Needed:
American Express® AIR MILES® for BusinessFeatured
Review	$180 per year	1 mile per $1	2,000 on purchases 1st 3 months	Net Rewards $-59
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Offer Summary Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Charge Card within your first 3 months of Cardmembership. You can maximize your cash flow with up to 55 interest-free days2 and enjoy purchasing power that adjusts dynamically with Card usage. You can benefit from an exclusive 25% discount on business rewards when you redeem AIR MILES Reward Miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind. Earn 1 AIR MILES Reward Mile for every $10 in Card... See all details for the American Express® AIR MILES® for Business Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 30% Cash Advance Interest Rate: % Balance Transfer Interest Rate: % First Year Annual Fee: $180 Annual Fee After First Year: $180 Eligibility Personal Income: $ Household Income: $ Credit Needed:
American Express® Platinum
Review	$699 per year	1.25 points per $1	50,000 Bonus rewards points	Net Rewards $26 Apply Now on American Express's secure website
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Offer Summary New Platinum Card® Cardmembers, earn 50,000 Bonus Membership Rewards® points by spending $3,000 in purchases in the first three months of Cardmembership. Platinum members earn 1.25 Membership Rewards® points for every dollar in purchases charged to the Card and automatically enrolled in the Membership Rewards First™ Tier. You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service. Relax in over 1,100 airport lounges worldwide. Enjoy access to the following partner lounges and benefits: Canadian Platinum Lounge Benefit, Delta Sky... See all details for the American Express® Platinum Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 30% Cash Advance Interest Rate: 3.00%% Balance Transfer Interest Rate: % First Year Annual Fee: $699 Annual Fee After First Year: $699 Eligibility Personal Income: $ Household Income: $0 Credit Needed:
Scotiabank® Platinum American Express
Review	$399 per year	4 points per $1 up to 100K	30,000 bonus points on 1st purchase	Net Rewards $105
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Offer Summary Earn 30,000 bonus points upon your first purchase within 60 days of your account open date Redeem for travel anywhere, anytime, with no travel restrictions. Use your points to purchase travel online or over the phone through Scotiabank's full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages Comprehensive Travel Insurance Premium Concierge Services Access to Priority Pass Lounges worldwide VIP Pass for exclusive access to global events Complimentary Hertz #1 Club Gold Membership See all details for the Scotiabank® Platinum American Express Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $399 Annual Fee After First Year: $399 Eligibility Personal Income: $ Household Income: $ Credit Needed:
Scotiabank VISA Business
Review	$75 per year	1% cash back on all purchases	N/A	Net Rewards $105
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Offer Summary The annual fee for Scotiabank VISA Business Cards is based on the type of card (Gold or Silver) and the currency (CAD or USD) you select to suit your cardholder and business needs. CAD Program Silver $75 CAD Gold $105 CAD USD Program Silver $75 USD Gold $105 USD With our Canadian dollar program, your business will receive up to 1% cash back annually per card based on spending levels. The cash goes directly into your Business Account. There's no limit to the rewards you can earn and how you spend the cash back is up to you. The Scotiabank VISA Business Card program helps... See all details for the Scotiabank VISA Business Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 19.8% Cash Advance Interest Rate: 19.80%% Balance Transfer Interest Rate: 19.80%% First Year Annual Fee: $75 Annual Fee After First Year: $75 Eligibility Personal Income: $ Household Income: $ Credit Needed:
Shell CashBack MasterCard® from BMO
Review	$0 no fee	0.5% cash back per $1	1.25 cash back at Shell in Canada	Net Rewards $140
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Offer Summary Get $50 CashBack Rewards 1.5 CashBack on every dollar you spend at Shell locations in Canada Plus earn 1% cash back on everything else for the first 6 months and 0.5% CashBack on every dollar you spend thereafter See all details for the Shell CashBack MasterCard® from BMO Card Card Facts Network: Institution: Bank of Montreal Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $ Household Income: $ Credit Needed: Average
Scotia Momentum® No-Fee VISA
Review	$0 no fee	1% cash back on eligible purchases	7.99% rate on purchases 1st 6 months	Net Rewards $153
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Offer Summary Get an introductory 7.99% on purchases for the first six months Cash back on everyday spending with no annual fee 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments 0.5% cash back on all other eligible everyday purchases 20% AVIS rental card discount See all details for the Scotia Momentum® No-Fee VISA Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 21.99%% Balance Transfer Interest Rate: 21.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $ Credit Needed: Good
American Express® Business Gold Rewards
Review	$250 1st year free, $250 after	1 point per $1	30,000 Welcome bonus points	Net Rewards $180
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Offer Summary Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership. Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit. You can maximize your cash flow with up to 55 interest-free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it. Take advantage of purchasing... See all details for the American Express® Business Gold Rewards Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: % Cash Advance Interest Rate: % Balance Transfer Interest Rate: % First Year Annual Fee: $0 Annual Fee After First Year: $250 Eligibility Personal Income: $ Household Income: $ Credit Needed:
CIBC Dividend Visa
Review	$0 no fee	2% cash back on categories	N/A	Net Rewards $180
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Offer Summary Earn 2% cash back on your first $6,000 in net annual grocery purchases Earn 0.5% cash back on the first $6,000 in annual purchases Earn 1% cash back on all other annual purchases over $6,000 No limit on the total cash back you can earn Added benefit of replacements for lost, stolen or damaged items with Purchase Security and Extended Protection® Insurance See all details for the CIBC Dividend Visa Card Card Facts Network: Institution: CIBC Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $ Credit Needed: Good
Presidents Choice Financial World MasterCard
Review	$0 no fee	35 points per $1	125 points per $1 at Shoppers	Net Rewards $180 Apply Now on PC Financial's secure website
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Offer Summary Apply for a new PC Financial Mastercard® and earn up to 125 PC Optimum per $1* spent at Shoppers Drug Mart for the rest of the year. No annual fee All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial World Mastercard you will earn an additional points 20 points per dollar. Earn 20 PC Optimum points for every $1 spent at almost 2,500 stores across the country. Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered. Earn 10 PC Optimum points for every $1 spent everywhere else. ... See all details for the Presidents Choice Financial World MasterCard Card Card Facts Network: Institution: PC Financial Type: Fees & Interest Purchase Interest Rate: % Cash Advance Interest Rate: % Balance Transfer Interest Rate: 22.97%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $60000 Household Income: $100000 Credit Needed:
RBC Cash Back MasterCard
Review	$0 no fee	2% cash back up to 6K	N/A	Net Rewards $180 Apply Now on RBC Royal Bank's secure website
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Offer Summary Earn 2% cash back credits† on grocery store purchases. Earn up to 1% cash back credits† on all other purchases and pre-authorized payments* made with your RBC Cash Back MasterCard. Cash back credits accumulate automatically and appear on your monthly statement. You won't have to keep track of points. Benefit from MasterCard's worldwide acceptance and the added convenience of MasterCard PayPass‡ - a new "contactless" way to pay. It is like having exact change wherever you go; a simple tap of your card is all it takes to pay at the checkout. Additional cards for co-applicants and authorized users at no extra cost. See all details for the RBC Cash Back MasterCard Card Card Facts Network: Institution: RBC Royal Bank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 21.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $ Household Income: $0 Credit Needed:
Shell CashBack World MasterCard® from BMO
Review	$79 per year	1.25% cash back per $1	3% Cash back at Shell locations	Net Rewards $196
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Offer Summary 3% CashBack on every dollar you spend at Shell locations in Canada 1.25% CashBack on every dollar you spend on purchases everywhere else FREE Roadside Assistant ($69/year value) See all details for the Shell CashBack World MasterCard® from BMO Card Card Facts Network: Institution: Bank of Montreal Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $79 Annual Fee After First Year: $79 Eligibility Personal Income: $60000 Household Income: $ Credit Needed: Excellent
CIBC Tim Hortons Double Double Visa
Review	$0 no fee	1 point per $1	1% Tim Cash for every $1 spent	Net Rewards $200 Apply Now on CIBC's secure website
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Offer Summary Earn 1% back in Tim Cash for every dollar spent on purchases Receive $20 in Tim Cash as a Welcome Bonus when you spend $200 anywhere See all details for the CIBC Tim Hortons Double Double Visa Card Card Facts Network: Institution: CIBC Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $ Household Income: $15000 Credit Needed:
ECHO® Cashback MasterCard
Review	$0 no fee	1.5% cash back on all purchases	N/A	Net Rewards $213 Apply Now on National Bank's secure website
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Offer Summary Earn 1.5% cashback on most online purchases, in grocery stores and on gas Get unlimited 1% cashback on all other purchases Apply your cashback as soon as you accumulate $25. You can even access your cashback on the go from any tablet or mobile device! Purchase protection in case of theft or damage Extended warranty Conditions apply See all details for the ECHO® Cashback MasterCard Card Card Facts Network: Institution: National Bank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Good
MBNA Rewards Mastercard
Review	$0 no fee	1 point per $1	5,000 Bonus points	Net Rewards $230
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Offer Summary Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases Receive 5,000 bonus MBNA Rewards points†† after your first eligible purchase Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations No annual fee See all details for the MBNA Rewards Mastercard Card Card Facts Network: Institution: MBNA Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 24.99%% Balance Transfer Interest Rate: 21.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $ Credit Needed: Average
TD Platinum Travel Visa
Review	$99 per year	6 point per $1 on Travel	15,000 TD Points on your 1st purchase	Net Rewards $246 Apply Now on TD's secure website
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Offer Summary Earn a Welcome Bonus of 15,000 TD Points following your first purchase (that's worth $75 towards any travel) Earn 3 TD Points for every $1 you spend on Purchases using your Card (equivalent to a 1.5% return on your purchase) Earn 4 TD Points when you book travel over the phone through either Expedia® For TD (that's a 2% return on your travel purchases!) Earn 6 TD Points when you book travel online through Expedia® For TD (that's a 3% return on your travel purchases!) See all details for the TD Platinum Travel Visa Card Card Facts Network: Institution: TD Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $99 Annual Fee After First Year: $99 Eligibility Personal Income: $ Household Income: $0 Credit Needed:
Scotia Momentum® VISA
Review	$39 per year	2% cash back on eligible purchases	2.99% rate on transfers 1st 6 months	Net Rewards $267
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Offer Summary Get an introductory 2.99% on Balance transfers for the first six months. Cash back with low annual fee 2% on eligible fas station, grocery store and drug store purchases, and reoccurring bill payments 20% AVIS rental car discount See all details for the Scotia Momentum® VISA Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 21.99%% Balance Transfer Interest Rate: 21.99%% First Year Annual Fee: $39 Annual Fee After First Year: $39 Eligibility Personal Income: $15000 Household Income: $ Credit Needed: Good
CIBC Dividend Platinum VISA
Review	$99 per year	4% cash back on categories	N/A	Net Rewards $279 Apply Now on CIBC's secure website
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Offer Summary Earn 4% cash back at the gas station and grocery store No limit on the total cash back you can earn Earn 2% cash back at Tim Hortons® and TELUS® 1% cash back on all other purchases See all details for the CIBC Dividend Platinum VISA Card Card Facts Network: Institution: CIBC Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $99 Annual Fee After First Year: $99 Eligibility Personal Income: $ Household Income: $15000 Credit Needed:
CIBC Dividend VISA Infinite
Review	$99 per year	2% cash back on categories	N/A	Net Rewards $279 Apply Now on CIBC's secure website
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Offer Summary Earn 4% cash back on gas and grocery purchases Earn 2% cash back on Tim Hortons® and TELUS® purchases Earn 1% cash back on all other purchases Note:The 4% and 2% cash back offers are only available on the first $80,000 in net annual card purchases, or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account— whichever comes first See all details for the CIBC Dividend VISA Infinite Card Card Facts Network: Institution: CIBC Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $99 Annual Fee After First Year: $99 Eligibility Personal Income: $60000 Household Income: $100000 Credit Needed: Excellent
Tangerine Money-Back
Review	$0 no fee	2% cash back on 3 categories of choice	1.95% rate on transfers 1st 6 months	Net Rewards $279 Apply Now on Tangerine's secure website
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Offer Summary New Clients will receive a Balance Transfer promotion of 1.95% for 6 months Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice 0.5% Money-Back Rewards on all other purchases No annual fee Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account Free Cards for Authorized Users on your Account No limit on the amount of Money-Back Rewards you can earn Three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back... See all details for the Tangerine Money-Back Card Card Facts Network: Institution: Tangerine Type: Fees & Interest Purchase Interest Rate: 19.95% Cash Advance Interest Rate: 19.95%% Balance Transfer Interest Rate: 1.95%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Good
BMO CashBack World Elite MasterCard
Review	$120 per year	1.5% cash back on all purchases	4% Cash back 1st 4 months	Net Rewards $300 Apply Now on Bank of Montreal's secure website
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Offer Summary Welcome Offer: Get 4% cash back on every purchase (up to $250 cash back) in your first 4 months. Earn 1.5% CashBack on ALL card purchases - without restrictions! Complimentary membership in Mastercard Airport Experiences provided by LoungeKey Complimentary Roadside Assistance Program BMO CashBack World Elite Travel and Medical Protection Extended Warranty Plus Purchase Protection Plus BMO Concierge Service Please note: the average cashback rewards calculator is based on your total monthly spend, and takes into account the welcome bonus. BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for... See all details for the BMO CashBack World Elite MasterCard Card Card Facts Network: Institution: Bank of Montreal Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $120 Annual Fee After First Year: $120 Eligibility Personal Income: $80000 Household Income: $150000 Credit Needed: Good
BMO CashBack® Business Mastercard
Review	$0 no fee	6% cash back on categories	N/A	Net Rewards $301
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Offer Summary Welcome Offer: Get 6% cash back on gas, office supplies and cell phone/internet bills for 4 months Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments 1.75% cash back at Shell® 0.75% cash back on all other card purchases 25 payment grace days Optional Employee Cards - empower employees with delegated purchasing authority Use your card at Costco locations across Canada Our Liability Waiver Program protects your business against employee card abuse See all details for the BMO CashBack® Business Mastercard Card Card Facts Network: Institution: Bank of Montreal Type: Fees & Interest Purchase Interest Rate: 20% Cash Advance Interest Rate: % Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $ Credit Needed: Good
The SimplyCash from American Express
Review	$0 no fee	2.5% cash back first 3 months	1.99% on transfers 1st 6 months	Net Rewards $383 Apply Now on American Express's secure website
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Offer Summary New SimplyCashTM Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Cardmembership. Earn 1.25% cash back on all other purchases when your Welcome Rate ends. No limit to the amount of cash back you can earn after your Welcome Rate ends. Optional Balance Transfer Offer to new Cardmembers – Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card. Balance Transfer option is only available at time of online application. There... See all details for the The SimplyCash from American Express Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 1.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Average
Scotia Momentum® Visa Infinite
Review	$99 1st year free, $99 after	4% cash back on categories	N/A	Net Rewards $438
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Offer Summary 4% cash back on eligible gas station and grocery store purchases 2% cash back on eligible drug store purchases and recurring bill payments 1% cash back on all other eligible everyday purchases Annual fee waived for first year ($99 value) VISA Infinite Complimentary Concierge Service - available 24/7 Access to VISA Infinite Luxury Hotel Collection. VISA Infinite Dining Series - Unique dining experiences in some of Canada's top restaurants Special access to unique offers and experiences Subject to credit approval See all details for the Scotia Momentum® Visa Infinite Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $99 Eligibility Personal Income: $60000 Household Income: $ Credit Needed: Excellent
American Express Cobalt
Review	$120 per year	5 points per $1 on categories	30,000 Membership Rewards points	Net Rewards $600 Apply Now on American Express's secure website
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Offer Summary $10 per month of credit card membership ($120 annually) In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year. Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That’s 2X the points on purchases that get you from point A to B ... See all details for the American Express Cobalt Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 3.00%% First Year Annual Fee: $120 Annual Fee After First Year: $120 Eligibility Personal Income: $ Household Income: $0 Credit Needed: