The Ultimate Canada Cashback Credit Card Guide

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1. American Express SimplyCash


Annual Fee - $0

No income requirement

5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership. Earn 1.25% cash back on all other purchases and when your Welcome Rate ends.


2. American Express SimplyCash Preferred


Annual Fee - $99

No income requirement

5% cash back on purchases for the first 6 months of Cardmembership (up to $300 cash back). Earn 2% cash back when your Welcome Rate ends.


3. Scotiabank Momentum Visa Infinite


Annual Fee - $99

Income requirement - personal 60k or household 100k, annually

4% on gas stations and grocery stores; 2% on drug stores and recurring payments; 1% cash back on everything else.

4. CIBC Dividend Visa Infinite


Annual Fee - $99

Income requirement - personal 60k or household 100k, annually

4% on gas stations and grocery stores; 2% on Tim Horton's and Telus; 1% cash back on everything else.

→Apply


5. PC Financial World Elite MasterCard


Annual Fee - $0

Income requirement - personal 80k or household 150k, annually

30 points per $1 in PC stores, Shoppers Drug Mart, PC Travel and PC Mobile (3%); 30 points per litre in ESSO; 10 points per litre everywhere else. (20,000 points can be redeemed towards $20 purchase in PC stores.)


6. TD Cashback Visa Infinite


Annual Fee - $120

Income requirement - personal 60k or household 100k, annually

Earn 6% in Cash Back Dollars on grocery, gas and recurring bill payments for the first 3 months; 3% thereafter. Earn 1% in Cash Back Dollars on all other Purchases made with your Card.

→Apply


7. Tangerine Money-Back Credit Card


Annual Fee - $0

No income requirement

Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases. Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.



8. RBC Cash Back Mastercard


Annual fee - $0

No income requirement

2% on first $6,000 grocery purchase, 1% afterwards. 0.5% on first $6,000 other purchase, 1% afterwards.


9. CIBC Dividend Visa


Annual fee - $0

No income requirement

2% on first $6,000 grocery purchase, 1% afterwards. 0.5% on first $6,000 other purchase, 1% afterwards.

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