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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Tangerine Money-Back Credit Card

19.95% APR

19.95% APR

$0

Excellent CreditApply NowView Card Details
  • Special Offer: Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of their choice, and 0.50% Money-Back Rewards on all other purchases.
  • This Promotion is only available to new Tangerine Money-Back Credit Card Account holders who apply between April 22, 2019 and October 31, 2019, and activate their Credit Card no more than 45 calendar days from the date Tangerine approves the application.
  • 4% Cash-back will be earned for a 92-day period beginning on the date the Tangerine Money-Back Credit Card is activated. At the end of the 92-day period, Cash-back will be 2% on the selected 2 categories.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 4% Money-Back Category.
  • 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.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 4% Money-Back Categories to suit your spending.
  • All other Terms and Conditions for the Tangerine Money-Back Credit Card and the Tangerine Money-Back Rewards program remain unchanged. If the chosen 2% Money-Back Categories are changed at any time during the 92-day period while this Promotion is in effect, the 4% Promotional rate will be automatically transferred to the new chosen categories.
  • Orange Alerts are emailed to you so that you're up-to-date on what's happening in your Account.
SimplyCash™ Preferred from American Express

19.99% APR

1.99% intro APR
for 6 months

22.99% APR after that

$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
  • Optional Balance Transfer Offer - Enjoy a 1.99% interest in first 6 months of Cardmembership 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 is no balance transfer fee at time of application
  • 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
SimplyCash™ from American Express

19.99% APR

1.99% intro APR
for 6 months

22.99% APR after that

$0

Excellent, Good CreditApply NowView Card Details
  • New SimplyCash™ 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 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 - Enjoy a 1.99% interest in first 6 months of Cardmembership 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 is no balance transfer fee at time of application
  • Access to memorable experiences with American Express Invites®
  • 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® Visa Infinite* Card

20.99% APR

22.99% APR

$120

Excellent CreditApply NowView Card Details
  • First year annual fee waived 1
  • 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 August 1, 2019 . Subject to change.
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 February 1, 2018. 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◊
  • 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 February 1, 2018. 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 February 1, 2018. Subject to change.
  • Special Offer: Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of their choice, and 0.50% Money-Back Rewards on all other purchases.
  • This Promotion is only available to new Tangerine Money-Back Credit Card Account holders who apply between April 22, 2019 and October 31, 2019, and activate their Credit Card no more than 45 calendar days from the date Tangerine approves the application.
  • 4% Cash-back will be earned for a 92-day period beginning on the date the Tangerine Money-Back Credit Card is activated. At the end of the 92-day period, Cash-back will be 2% on the selected 2 categories.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 4% Money-Back Category.
  • 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.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 4% Money-Back Categories to suit your spending.
  • All other Terms and Conditions for the Tangerine Money-Back Credit Card and the Tangerine Money-Back Rewards program remain unchanged. If the chosen 2% Money-Back Categories are changed at any time during the 92-day period while this Promotion is in effect, the 4% Promotional rate will be automatically transferred to the new chosen categories.
  • Orange Alerts are emailed to you so that you're up-to-date on what's happening in your Account.
  • 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
  • Optional Balance Transfer Offer - Enjoy a 1.99% interest in first 6 months of Cardmembership 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 is no balance transfer fee at time of application
  • 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
  • New SimplyCash™ 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 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 - Enjoy a 1.99% interest in first 6 months of Cardmembership 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 is no balance transfer fee at time of application
  • Access to memorable experiences with American Express Invites®
  • 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
  • First year annual fee waived 1
  • 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 August 1, 2019 . 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 February 1, 2018. Subject to change.
  • 7.99% introductory interest rate on purchases for the first 6 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
  • Rates, fees and other information are effective as of February 1, 2018. 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 February 1, 2018. Subject to change.
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