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The definitive online resource for Canadian Credit Card Information.
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Cash Back Credit Cards
The cash back credit cards listed below offer rewards that provide cardholders with cash back. Credit cards offering cash back, generally require a good-to-excellent credit score in order to qualify for approval. Compare the following credit cards, then apply online for your choice of credit card by completing a secure application form online.
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| BMO® CashBack World MasterCard®* |
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- An annual rebate to your credit card: $1.25 cash back for every $100 spent on your card
- Free roadside assistance, including battery boosts, flat-tire change, lock-out service and towing (a $69/year value)
- BMO World MasterCard Travel Protection: Includes coverage for car rental collision damage, plus flight delay and baggage insurance
- Free extended warranty and purchase protection
- en Français
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Typical APR
19.90%* | Balance Transfer
19.90%* | Balance Transfer Fee
$0 | Annual Fee
$79* | Credit Needed
Good |
| Smart Cash MasterCard® credit card |
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- Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡
- Up to 2% cash back on eligible gas and grocery purchases thereafter‡
- And, up to 1% cash back on all of your other eligible purchases‡
- 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
- Enjoy free online access to your credit card account
- And, with no annual fee and free additional cards you’ll start to see the benefits right away.
- Once your cash back totals at least $50 at the end of a monthly billing cycle, we’ll automatically mail you a cheque‡ - it’s that simple.
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Typical APR
See Terms | Balance Transfer
See Terms | Balance Transfer Fee
1% of amount advanced (minimum fee $7.50) | Annual Fee
None | Credit Needed
Good |
| Aspire Cash™ World MasterCard® |
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- Earn 50% extra cash rewards every year and pay no annual fee!
- Earn 1% cash rewards on all purchases
- No annual fee
- Annual interest rate of Prime +16.8%
- Please Note: A requirement of this card is a minimum personal income of $60,000 or household income of $100,000.
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Excellent Credit |
| CIBC Dividend Card® |
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- $100,000 Common Carrier Accident Insurance2
- Purchase Security and Extended Protection* Insurance2
- AVIS car rental discounts up to 20% at participating locations3
- Personalized CIBC Convenience Cheques - provided at no additional charge4
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Typical APR
19.99%* | Balance Transfer
21.99%* | Balance Transfer Fee
N/A* | Annual Fee
No Annual Fee* | Credit Needed
Good |
| Scotia Momentum® No-Fee VISA Card |
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- Cash back and no annual fee
- 7.99% introductory interest rate on purchases for the first six months
- 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring bill payments and 0.5% on all other eligible purchases
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Typical APR
19.99%* | Balance Transfer
21.99%* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$0* | Credit Needed
Good |
| Aspire Cash™ Platinum MasterCard® |
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- Earn cash rewards and pay no annual fee!
- Earn 1% cash rewards on all net purchases
- Get 25% extra cash rewards every year
- No limit to the amount of cash you can earn
- Annual interest rate of Prime +16.8%
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Average Credit |
| The TrueEarnings® Card from Costco and American Express |
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- You can earn cash back when you use your TrueEarnings® Card inside and outside of Costco.
- Plus, there’s no limit to the amount of cash back you can earn annually.
- Earn 3% CASH BACK on eligible restaurant purchases
- Earn 2% CASH BACK on eligible gas purchases
- Earn UP TO 1% CASH BACK on everyday purchases - including at Costco®†
- Add a FREE Supplementary Card – that person just needs to be a current member on your Costco account
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- Conditions apply
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Typical APR
19.75% purchases | Balance Transfer
N/A* | Balance Transfer Fee
N/A | Annual Fee
No annual fee | Credit Needed
Excellent |
| BMO® SPC CashBack MasterCard®* |
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- CashBack: An annual rebate to your credit card: $1 cash back for every $200 spent on your card
- No Annual Fee
- SPC (Student Price Card Ltd.) discounts of 10% to 15% at hundreds of your favourite stores
- Earn 1.5% CashBack at Shell locations in Canada
- Earn 1.5% CashBack and get up to 25% off rentals at National Car Rental®†† & Alamo Rent A Car®** locations worldwide
- en Français
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Typical APR
19.90%* | Balance Transfer
19.90%* | Balance Transfer Fee
$0 | Annual Fee
$0* | Credit Needed
Good |
| mbna rewards MasterCard credit card |
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- Earn points on every qualifying purchase
- Earn 1 mbna rewards point for every $1 spent on eligible transactions‡
- Choose your rewards
- Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
- Earn extra points
- 1,000 bonus points after your first eligible purchase††
- No annual fee
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Typical APR
See Terms | Balance Transfer
See Terms | Balance Transfer Fee
1% of amount advanced (minimum fee $7.50) | Annual Fee
None | Credit Needed
Good |
| Scotia Momentum® VISA Card |
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- 1.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- A full 2% cash back on all eligible grocery store, gas station, drug store purchases and recurring bill payments
- A full 1% cash back on all other eligible purchases
- Purchase security and extended warranty protection
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Typical APR
19.99%* | Balance Transfer
21.99* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$39* | Credit Needed
Good |
| BMO® CashBack MasterCard®* |
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- An annual rebate to your credit card: $1 cash back for every $200 spent on your card
- Free extended warranty and purchase protection
- No annual fee, 19.9% interest rate
- en Français
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Typical APR
19.90%* | Balance Transfer
19.90%* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Good |
| Scotia Momentum® VISA Infinite Card |
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- 0.99% introductory interest rate on cash advances and balance transfers for the first six months, plus a $50 statement credit with first purchase.
- A full 4% cash back on all eligible gas station and grocery store purchases
- A full 2% cash back on eligible drug store purchases and recurring bill payments
- A full 1% cash back on all other eligible purchases
- Plus many exclusive VISA Infinite benefits and privileges.
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Typical APR
19.99%* | Balance Transfer
0.99% for 6 months* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$99* | Credit Needed
Excellent |
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