Cash Back Credit Cards

Cash back credit cards are the most popular credit cards. They let you earn rebates in cold cash for all your purchases at supermarkets, gas stations, grocery stores, restaurants, etc. Cash back credit cards are widely favored by savvy customers who know how to save money and prefer simplicity in rebate redemption. Some credit cards can give you 4% cash back on your purchases in select spending categories. Your cash back can quickly adds up to a fat check mailed to your home or a statement credit to your credit card bills when you redeem rebates. Check out these best Canadian cash back credit cards that stand out.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
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Scotia Momentum® Visa Infinite* Card

20.99% APR

22.99% APR

$120

Excellent CreditApply NowView Card Details
  • No annual fee in the first year, including on supplementary cards◊
  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Visa Infinite Dining Series
  • Visa Infinite Music Series
  • Wine Country Wonders
  • Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage
  • Rates, fees and other information are effective as of Jul 2 , 2020. Subject to change.
SimplyCash™ Preferred from American Express

19.99% APR

N/A

$99

Excellent, Good CreditApply NowView Card Details
  • New SimplyCash™ Preferred Card from American Express Cardmembers can earn 5% cash back on all eligible purchases (up to $300 cash back) for the first 6 months of Cardmembership
  • Earn 2.0% cash back when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • 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
Scotia Momentum® Mastercard®*

7.99% intro APR
for 6 months

19.99% APR after that

22.99% APR

$0

Good CreditApply NowView Card Details
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
  • 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
  • Rates, fees and other information are effective as of Jul 2 , 2020. Subject to change.
Scotia Momentum® No-Fee Visa* Card

7.99% intro APR
for 6 months

19.99% APR after that

22.99% APR

$0

Good CreditApply NowView Card Details
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
  • 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
  • Rates, fees and other information are effective as of Jul 2 , 2020. Subject to change.
Scotia Momentum® Visa* Card

19.99% APR

2.99% intro APR
for 6 months

22.99% APR after that

$39

Good CreditApply NowView Card Details
  • 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)◊
  • Cash back with low annual fee
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 1% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of Jul 2 , 2020. Subject to change.
  • No annual fee in the first year, including on supplementary cards◊
  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Visa Infinite Dining Series
  • Visa Infinite Music Series
  • Wine Country Wonders
  • Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage
  • Rates, fees and other information are effective as of Jul 2 , 2020. Subject to change.
  • New SimplyCash™ Preferred Card from American Express Cardmembers can earn 5% cash back on all eligible purchases (up to $300 cash back) for the first 6 months of Cardmembership
  • Earn 2.0% cash back when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • 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
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
  • 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
  • Rates, fees and other information are effective as of Jul 2 , 2020. Subject to change.
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
  • 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
  • Rates, fees and other information are effective as of Jul 2 , 2020. Subject to change.
  • 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)◊
  • Cash back with low annual fee
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 1% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of Jul 2 , 2020. Subject to change.
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