Cash Back Credit Cards

The cash back credit cards listed below offer reward programs that provide cardholders with cash back. Generally, for credit cards featuring cash back, a good-to-excellent credit rating is needed 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.

Capital One® Aspire Cash™ Platinum MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Earn cash rewards and pay no annual fee!
  • Earn 1% cash rewards on all purchases
  • No limit to the amount of cash you can earn
  • Annual interest rate of 19.8%
  • Valuable MasterCard benefits, plus Platinum benefits like Purchase Assurance and Extended Warranty
  • Add an authorized user for $0
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Apply Now at Capital One - Canada's
secure site
Typical APR
19.8%
Balance Transfer APR
19.8%
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Good Credit

MBNA Rewards MasterCard® credit card

Apply Now at MBNA's
secure site
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • 0% annual interest rate(AIR)† on balance transfers✪ for the first 6 months
  • No annual fee
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Apply Now at MBNA's
secure site
Typical APR
19.99%
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

SimplyCash™ Card from American Express

Apply Now at American Express - Canada's
secure site
  • New SimplyCash™ Card from American Express
  • Earn 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
  • No limit to the amount of cash back you can earn and No annual fee for Supplementary Cards
  • Enjoy a special 1.99% rate on transferred balances in the first 6 months when transferring your other card balances to this AMEX card at time of online application. There is no transfer fee at time of application.
  • Access to memorable experiences with American Express Invites®
  • 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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Apply Now at American Express - Canada's
secure site
Typical APR
19.99% on purchases and 21.99% on funds advances*
Balance Transfer APR
1.99%
Balance Transfer Fee
See Terms
Annual Fee
No annual fee
Credit Needed
Excellent Credit

BMO® CashBack® MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Welcome Offer: Get 4% cash back on every purchase (up to $125 cash back) in your first 4 months*.
  • Get 1% CashBack on ALL card purchases* without restrictions!*
  • No Annual fee*
  • Receive a discount on car rentals*
  • Extended Warranty*
  • Purchase Protection*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • en Français
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Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

SimplyCash™ Preferred Card from American Express

Apply Now at American Express - Canada's
secure site
  • New SimplyCash™ Preferred Card from American Express Cardmembers can earn 5% cash back on all eligible for the first 6 months of Cardmembership (up to $300 cash back)
  • Earn 2.0% cash back when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • Enjoy a special 1.99% intro rate on transferred balances in the first 6 months when transferring your other card balances to this AMEX card at time of online application. There is no transfer fee at time of application
  • Access to memorable experiences with American Express Invites®
  • Extensive insurance coverage and 24/7 Customer Service
  • 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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Apply Now at American Express - Canada's
secure site
Typical APR
19.99% on purchases and 21.99% on funds advances*
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
$99*
Credit Needed
Excellent Credit

BMO® CashBack® World Elite®* MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Welcome Offer: Get 4% cash back on every purchase (up to $250 cash back) in your first 4 months.*
  • Earn 1.75% CashBack on all card purchases* without restrictions*!
  • Complimentary Roadside Assistance Program*
  • BMO CashBack World Elite Travel and Medical Protection*
  • Extended Warranty Plus*
  • Purchase Protection Plus*
  • BMO Concierge Service* and Free additional cards
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
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Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
$120
Credit Needed
Excellent Credit

Scotia Momentum® VISA Infinite Card

Apply Now at Scotiabank's
secure site
  • 4% on eligible gas station and grocery store purchases
  • 2% on drug store purchases and recurring bills
  • 1% cash back on all other eligible purchases
  • 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
  • Rental car collision insurance
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Apply Now at Scotiabank's
secure site
Typical APR
19.99%*
Balance Transfer APR
22.99%*
Balance Transfer Fee
See Terms
Annual Fee
$99
Credit Needed
Excellent Credit

BMO SPC®** CashBack® MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Limited time: Get up to $60 Cash Back*
  • Earn 1% CashBack on all card purchases* without restrictions!*
  • No Annual fee*
  • Extended Warranty*
  • Purchase Protection*
  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • en Français
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Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
None

Tangerine Money-Back Credit Card

Apply Now at Tangerine's
secure site
  • No annual fee
  • No limit on the amount of Money-Back Rewards you can earn
  • 2% Rewards in Client's chosen categories
  • Clients can change their 2% Monday-Back Categories to suit their spending
  • Clients who have their rewards deposited to a Tangerine savings Account can get a 3rd 2% Money-Back Category
  • A standard annual interest rate of 19.95%
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Apply Now at Tangerine's
secure site
Typical APR
19.95%
Balance Transfer APR
Yes
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Good Credit

Scotia Momentum® VISA Card

Apply Now at Scotiabank's
secure site
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bills.
  • 1% cash back on all other eligible purchases.
  • Purchase security and extended warranty protection.
  • 20% AVIS rental card discount.
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Apply Now at Scotiabank's
secure site
Typical APR
19.99%*
Balance Transfer APR
22.99
Balance Transfer Fee
0
Annual Fee
$39*
Credit Needed
Good Credit

Scotia Momentum® No-Fee VISA Card

Apply Now at Scotiabank's
secure site
  • 1% on eligible gas station, grocery store and drug store purchases and recurring bills
  • 0.5% cash back on all other eligible purchases
  • 20% AVIS rental card discount
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Apply Now at Scotiabank's
secure site
Typical APR
19.99%*
Balance Transfer APR
22.99%*
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Good Credit

RBC Cash Back MasterCard‡

Apply Now at Royal Bank of Canada's
secure site
  • A low introductory interest rate of 1.9% for 10 months on balance transfers and cash advancesΔ
  • Earn up to 2% cash bank credits on grocery store purchases2
  • Earn up to 1% cash back credits on all other purchases including pre-authorized payments2
  • Protect your eligible purchases for up to 90 days against loss, theft or damage*
  • Cash back credits accumulate automatically
  • Purchase on your card and automatically double the manufacturer's warranty up to one year*
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Apply Now at Royal Bank of Canada's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
Yes
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Good Credit

RBC Visa Infinite‡ Avion®

Apply Now at Royal Bank of Canada's
secure site
  • 15,000 welcome bonus RBC Rewards® points, enough for a short-haul flight1
  • A low introductory interest rate of 1.9% for 10 months on balance transfers and cash advancesΔ
  • Earn 1 RBC Rewards point for every $1 spent2
  • Earn 25% more points on travel related purchases3 and up to 15x bonus points4 at top retailers through the RBC Rewards eMall™
  • Use your points to book flights, hotel stays, cruises, vacation packages, car rentals and more5
  • Point flexibility- transfer your RBC Rewards points towards other loyalty programs
  • Premium suite of insurances including trip cancellation, trip interruption, travel medical, car rental insurance, and a lot more*
  • Your entire trip, On Points — redeem your points toward your credit card balance6 using Payback with Points
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Apply Now at Royal Bank of Canada's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
Yes
Balance Transfer Fee
See Terms
Annual Fee
$120*
Credit Needed
Excellent Credit
* See the online cash back credit cards applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click the “Apply Now” button you can review the credit card terms and conditions on the issuer's website.