{"id":12383,"date":"2026-06-12T19:21:55","date_gmt":"2026-06-12T19:21:55","guid":{"rendered":"https:\/\/wp.springfinancial.ca\/?p=6706"},"modified":"2026-06-12T19:22:14","modified_gmt":"2026-06-12T19:22:14","slug":"best-cashback-credit-cards","status":"publish","type":"post","link":"https:\/\/springfinancial.ca\/fr\/blog\/save-invest\/best-cashback-credit-cards\/","title":{"rendered":"Best Cashback Credit Cards in Canada 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In Canada, there are many options for cashback credit cards and rewards programs. Let\u2019s take a look at some of the best ones, as well as the other features that are included in those cards.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cashback Credit Cards in Canada<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to getting a cash-back rewards credit card, there are just too many to choose from. To help with that, we\u2019ve made a list of some of the best cash-back credit cards in Canada. These offer both monthly and annual rewards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">BMO Cash Back Mastercard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking for a cash-back Mastercard with no annual fee, then the <a href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/bmo-cashback-mastercard\/#tab-1\">BMO Cash Back Mastercard<\/a> is another great choice. It\u2019s known for offering the most cash back on groceries with no annual fee. They\u2019re also currently offering a special welcome bonus: 5% cash back in your first 3 months. They\u2019re also offering 0.99% on all balance transfers with a 2% balance transfer fee.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As for everyday earnings, you can earn 3% cash back on grocery purchases. You can also earn 1% cash back on recurring bill payments. All other purchases will earn you 0.5% cash back. When it comes to using your cash back, you can start cashing in on amounts as little as $1 and use them towards credit card statement credit, have them deposited in your BMO account, or use them with Investorline. You can even set up automatic transfers of your cash-back rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The purchase interest rate on this card is 21.99%, and the cash advance rate is 23.99%. The other benefits included with this card are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Extended Warranty and Purchase Protection<\/li>\n\n\n\n<li>Car rental discounts with Alamo, National and Enterprise<\/li>\n\n\n\n<li>20% off admission to Cirque de Soleil (15% off in Las Vegas)<\/li>\n\n\n\n<li>7% discount on Booking.com<\/li>\n\n\n\n<li>BMO PaySmart Installment Plans<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">SimplyCash American Express Preferred Card<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For those who like American Express credit cards, the <a href=\"https:\/\/www.americanexpress.com\/en-ca\/credit-cards\/simply-cash-preferred\/\">SimplyCash American Express Preferred Card<\/a> offers some awesome benefits. Right now, you could also earn a bonus of up to $250: 10% back on purchases up to $2,000 in the first 3 months, and a $50 statement credit when you make purchases in month 13.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This card has a monthly fee of $9.99 and a purchase interest rate of 21.99%. There\u2019s also a cash advance rate of 21.99%. In terms of cash back, you can earn 4% back on gas and groceries and 2% back on all other purchases. Other benefits included with this card are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Out-of-Province and Country Medical Insurance<\/li>\n\n\n\n<li>Flight Delay Insurance<\/li>\n\n\n\n<li>Baggage Delay Insurance<\/li>\n\n\n\n<li>Hotel Burglary Insurance<\/li>\n\n\n\n<li>Lost and Stolen Baggage Insurance<\/li>\n\n\n\n<li>$100,000 Travel Accident Insurance<\/li>\n\n\n\n<li>Car Rental Theft and Damage Insurance<\/li>\n\n\n\n<li>Mobile Device Insurance<\/li>\n\n\n\n<li>Front-of-the-Line Amex Presale and Reserved Tickets<\/li>\n\n\n\n<li>Amex Experiences<\/li>\n\n\n\n<li>Buyer Assurance Protection Plan<\/li>\n\n\n\n<li>Purchase Protection Plan<\/li>\n\n\n\n<li>24\/7 Customer Service<\/li>\n\n\n\n<li>Fraud Protection Guarantee<\/li>\n\n\n\n<li>Emergency Card Replacement<\/li>\n\n\n\n<li>American Express Travel Online<\/li>\n\n\n\n<li>Plan It- The American Express Installment Program<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Simplii Financial Cash Back Visa<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Another cash-back card with no annual fee is the <a href=\"https:\/\/www.simplii.com\/en\/credit-cards\/cash-back-visa.html\">Simplii Financial Cash Back Visa<\/a>. You only need a minimum household income of $15,000 to apply, and you can earn up to $100 in 20% cash back in your first 3 months. As for annual interest rates, the purchase interest rate is 20.99%, and the cash advance rate is 22.99%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to cash back, you can earn 4% back on bar and coffee shop purchases with an annual limit of $5,000. You can earn 1.5% cash back on gas, grocery, preauthorized payments, and drugstore purchases up to an annual limit of $15,000. You can earn 0.5% on all other purchases. Some other features you can get with the&nbsp; card include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash Back on Global Money Transfers<\/li>\n\n\n\n<li>Apple Pay, Google Pay or Samsung Pay<\/li>\n\n\n\n<li>Purchase Security and Extended Protection Insurance<\/li>\n\n\n\n<li>Optional CIBC Travel Medical Insurance<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.springfinancial.ca\/apply-now?SID=blog&amp;utm_source=blog&amp;utm_medium=inlinebanner&amp;utm_content=best-cashback-credit-cards\"><img decoding=\"async\" style=\"--smush-placeholder-width: 1500px; --smush-placeholder-aspect-ratio: 1500\/581;display: block; margin-left: auto; margin-right: auto;\" data-src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2026\/03\/BlogBanner.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Secured Neo Mastercard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For those who are looking to improve their credit score and get a secured credit card, the <a href=\"https:\/\/myneo.financial\/9myo8d\">Secured Neo Mastercard<\/a> also offers cash back. With this card, you can start building your credit history and earn cash back for just $5 per month. No hard credit check is needed, there\u2019s guaranteed approval, and international IDs are accepted. All you have to do is set aside your security deposit and make your regular payments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to cash back, you can earn 2% back on gas purchases and groceries, as well as 0.5% back on all other purchases, as long as you have $3,000 in your everyday account. The credit limit on this card is based on your security deposit. The minimum security deposit is $50.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tangerine World Mastercard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As a fully online bank, Tangerine also offers a cash-back Mastercard, the <a href=\"https:\/\/www.tangerine.ca\/en\/personal\/spend\/credit-cards\/world-credit-card\">Tangerine World Mastercard<\/a>. With this card, you can get 10% cashback up to $100 in the first 2 months, up to 2% Money-Back Rewards deposited into your account monthly, and unlimited 2% cash-back in 2 categories of your choice. You can also get 0.5% cash back on all other purchases. There\u2019s no annual fee; the purchase interest rate is 20.95%, and the cash advance rate is 22.95%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to the 2% cash-back, you can choose from a variety of different categories, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Grocery<\/li>\n\n\n\n<li>Furniture<\/li>\n\n\n\n<li>Restaurants<\/li>\n\n\n\n<li>Hotel\/Motel<\/li>\n\n\n\n<li>Gas<\/li>\n\n\n\n<li>Recurring Bill Payments<\/li>\n\n\n\n<li>Drug Store<\/li>\n\n\n\n<li>Home Improvement<\/li>\n\n\n\n<li>Entertainment<\/li>\n\n\n\n<li>Public Transportation and Parking<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You can also unlock a 3rd category, known as the bonus category, by setting your rewards to be automatically deposited into a Tangerine Savings Account. Don\u2019t forget, any of these categories can be online purchases as well\u2014more cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other benefits included with this card are;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Purchase Assurance and Extended Warranty<\/li>\n\n\n\n<li>Mobile Device Insurance<\/li>\n\n\n\n<li>Rental Car Insurnace for Collision and Loss Damage<\/li>\n\n\n\n<li>Mastercard Travel Pass<\/li>\n\n\n\n<li>Mastercard Travel Rewards<\/li>\n\n\n\n<li>Use of mobile wallets<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Other fees that you may incur with this card are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3% balance transfer fee with a $5 minimum<\/li>\n\n\n\n<li>1.95% interest on balance transfers for the first 6 months<\/li>\n\n\n\n<li>$3.50 cash advance fee in Canada\/ $5 outside<\/li>\n\n\n\n<li>$25.00 dishonoured payment fee<\/li>\n\n\n\n<li>$25.00 over limit fee<\/li>\n\n\n\n<li>$25.00 rush card fee<\/li>\n\n\n\n<li>$5.00 past statement reprint<\/li>\n\n\n\n<li>2.50% foreign currency conversion fee (foreign exchange fees)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Scotia Momentum Visa Card<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking for a low annual fee credit card, then a good choice could be the <a href=\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/credit-cards\/visa\/momentum-cash-back-card.html\">Scotia Momentum Visa Card<\/a>. The annual fee is $49, the purchase interest rate is 20.99%, and the cash advance rate is 22.99%. Each supplementary card you purchase costs $15, and the minimum card limit is $500. Right now, you can also get a 2.99% introductory interest rate on balance transfers for the first 6 months.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In terms of cash-back rewards, you can earn 2% back on anything you spend at eligible gas stations, grocery stores, drug stores and recurring bill payments. All other purchases will earn you 1% cash back. This will all be earned by your monthly spending. Other benefits include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>25% off at Budget and Avis car rentals<\/li>\n\n\n\n<li>Purchase Security and Extended Warranty Protection<\/li>\n\n\n\n<li>Optional Scotia Credit Card Insurance<\/li>\n\n\n\n<li>Scotia SelectPay<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">CIBC Dividend Visa Infinite Card<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CIBC offers a high cash-back credit card, also called the <a href=\"https:\/\/www.cibc.com\/en\/personal-banking\/credit-cards\/all-credit-cards\/dividend-visa-infinite-card.html\">CIBC Dividend Visa Infinite Card<\/a>. This card has an annual fee of $120 for the primary cardholder and $30 for each supplementary card. Currently, you can also get up to $350 with their welcome offer. You can get 10% back, up to $200, on purchases on your first 4 statements. You can also get your first annual fee rebated and a $50 cash-back bonus for setting up a pre-authorized payment in the first 4 statements.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One thing you do have to consider before applying for this card, though, is the minimum income requirement. You need an annual income of $60,000 or an annual household income of $100,000 to qualify.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In terms of cash back, you can earn 4% back on gas, electric vehicle charging, and grocery purchases. You can also earn 2% back on transportation, dining and recurring payments. All other purchases will earn you 1% cash back. You can earn unlimited cash back. When it comes to redeeming the cash back, you can do so whenever you want for any amount you choose.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some other features that are included in this card are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to 10 cents per litre discount with Journie Rewards<\/li>\n\n\n\n<li>Visa Infinite Program Access<\/li>\n\n\n\n<li>$0 transfer fees on Global Money Transfers<\/li>\n\n\n\n<li>Car Rental Discounts with Avis and Budget Car Rentals<\/li>\n\n\n\n<li>Free Skip+ for 12 months<\/li>\n\n\n\n<li>Mobile Device Insurance<\/li>\n\n\n\n<li>Purchase Security and Extended Warranty Protection<\/li>\n\n\n\n<li>Out of Province Emergency Travel Medical Insurance<\/li>\n\n\n\n<li>$500,000 Common Carrier Accident Insurance<\/li>\n\n\n\n<li>Auto Rental Collision and Loss Damage Insurance<\/li>\n\n\n\n<li>CIBC Pace It<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Desjardins Odyssey Visa Infinite Privilege<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Desjardins is another financial institution that offers a cash-back credit card called the <a href=\"https:\/\/www.desjardins.com\/qc\/en\/credit-cards\/odyssey-visa-infinite-privilege.html\">Odyssey Visa Infinite Privilege card.<\/a> If you\u2019re a Desjardins member, the annual fee is $295; if you aren\u2019t, it&rsquo;s $395. The purchase interest rate is 11.9%, and the cash advance rate is 12.9%. When it comes to cash back, you earn different amounts based on the category.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>4%<\/strong><\/td><td><strong>3%<\/strong><\/td><td><strong>1.75%<\/strong><\/td><\/tr><tr><td>Restaurants<\/td><td>Groceries<\/td><td>All other everyday purchases<\/td><\/tr><tr><td>Entertainment<\/td><td>Travel<\/td><td>\u2013<\/td><\/tr><tr><td>Alternative Transportation<\/td><td>\u2013<\/td><td>\u2013<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">There are also other benefits you can get with this card, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comprehensive Travel Insurance<\/li>\n\n\n\n<li>Lounge Access at Montreal-Trudeau Airport<\/li>\n\n\n\n<li>Visa Infinite Privilege Concierge Service<\/li>\n\n\n\n<li>Visa Airport Companion<\/li>\n\n\n\n<li>Hertz, Thrifty, and Dollar Car Rental Discounts<\/li>\n\n\n\n<li>Auto Rental Collision and Loss Damage Insurance<\/li>\n\n\n\n<li>Mobile Device Insurance<\/li>\n\n\n\n<li>Purchase Protection and Extended Warranty Coverage<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Meridian Visa Infinite Cash Back<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Meridian is another credit union that offers a cash-back credit card. It\u2019s called the <a href=\"https:\/\/www.meridiancu.ca\/personal\/credit-cards\/meridian-visa-infinite-cash-back-card\">Meridian Visa Infinite Cash Back<\/a>. For your first year, there is no annual fee on your first card or any additional cards, and you can get a welcome offer of up to 7,000 reward points on your first purchase. That said, to qualify for this card, you need to have a minimum income of $60,000 or a minimum household income of $100,000.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For this card, the annual fee is $99, and the fee for each supplementary card is $30. The purchase interest rate is 19,50%, and the cash advance rate is 21.99%.&nbsp; When it comes to points, you can earn 4% back on gas and groceries, 2% back on pharmacy and utility bills, and 1% back on all other eligible purchases.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Walmart Rewards World Mastercard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For no-fee cash-back credit cards, the <a href=\"https:\/\/www.walmart.ca\/en\/cp\/walmart-rewards-mastercard\">Walmart Rewards World Mastercard<\/a> is a great option. The interest rate is 21.89%, and the cash advance rate is 22.97%. Just like most credit cards, there\u2019s also a 21-day grace period. Those who shop at Walmart can earn many rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With this card, you can earn 5% back when you purchase eligible Walmart brand items. These include brands such as George, Athletic Works, Your Fresh Market, and Great Value. You can also earn 2% back on transit, gas and ride-share purchases. You can also split your larger purchases into equal monthly installments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other benefits included with this card are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zero Liability Protection<\/li>\n\n\n\n<li>Balance Protection Plan<\/li>\n\n\n\n<li>Extended Warranty Plan<\/li>\n\n\n\n<li>Purchase Assurance Protection<\/li>\n\n\n\n<li>Mastercard Global Services<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Neo World Elite Mastercard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">While the Neo Secured Mastercard offers cash back, it also offers a traditional cash-back credit card called the <a href=\"https:\/\/www.neofinancial.com\/credit\/world-elite\">Neo World Elite Mastercard<\/a>. This card has an annual fee of $149, a purchase interest rate of 19.99%-29.99%, and a cash advance rate of 22.99%-28.99%. That said, to qualify, you need a minimum income of $80,000 or a household income of $150,000.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One cool thing about this card is the balance in your everyday account, which can earn you a boosted cash-back rate. Let\u2019s take a look at both rates for each category. However, you can earn extra cashback with Neo partners.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Category<\/td><td><strong>Cash Back Rate<\/strong><\/td><td><strong>Boosted Rate<\/strong><\/td><\/tr><tr><td>Groceries<\/td><td>5%<\/td><td>7%<\/td><\/tr><tr><td>Recurring Bill Payments<\/td><td>4%<\/td><td>5%<\/td><\/tr><tr><td>Gas<\/td><td>3%<\/td><td>4%<\/td><\/tr><tr><td>Everything Else<\/td><td>1%<\/td><td>1%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Other benefits you can get with this card include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Extended Warranty and Purchase Protection<\/li>\n\n\n\n<li>Auto Rental Collision Loss Damage<\/li>\n\n\n\n<li>Out-of-Province and Country Medical Insurance<\/li>\n\n\n\n<li>Delayed and Lost Baggage Insurance<\/li>\n\n\n\n<li>Flight Delay Insurance<\/li>\n\n\n\n<li>Trip Cancellation and Trip Interruption Insurance<\/li>\n\n\n\n<li>Hotel and Motel Burglary Insurance<\/li>\n\n\n\n<li>Purchase Protection and Extended Warranty Coverage<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.springfinancial.ca\/apply-now?SID=blog&amp;utm_source=blog&amp;utm_medium=inlinebanner&amp;utm_content=best-cashback-credit-cards\"><img decoding=\"async\" style=\"--smush-placeholder-width: 1500px; --smush-placeholder-aspect-ratio: 1500\/581;display: block; margin-left: auto; margin-right: auto;\" data-src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2026\/03\/BlogBanner.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">KOHO Prepaid Mastercard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.koho.ca\/accounts\/\">KOHO<\/a> is different from your typical prepaid credit card. It\u2019s essentially a no-fee spending and savings account that also acts as a credit card. You can rebuild your credit score and earn cashback all with your own money. That said, how much this costs depends on the plan that you choose. There are 3 different KOHO plans to choose from.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Essential<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The Essential plan ranges from $0 to $4 per month. You can choose to have it billed monthly or annually. The benefits included with this plan are 1% cash back on groceries, transportation, food and drink. You can also earn 2.5% interest on your entire balance. Other benefits include free access to credit scores and instant e-transfers.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Extra<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The Extra plan ranges from $12 to $18 per month based on whether it\u2019s billed monthly or annually. It offers 1.5% cash back on groceries, transportation, and food and drink, plus 3% on your entire balance. Other benefits include free access to credit scores, instant e-transfers, no foreign transaction fees, and $7 per month in credit building.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Everything<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The Everything plan ranges from $14.75 to $22 per month, depending on whether it\u2019s billed monthly or annually. You can earn 2% back on groceries, transportation, food and drink, as well as 4% on your entire balance. Other benefits include free access to credit scores, instant e-transfers, no foreign transaction fees, $5 per month credit-building, and personal phone support.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best No-Fee Cash Back Card&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to cash-back credit cards, there are many options with no annual fee. That said, the best one is the one that earns you points for the things you want to earn. For this reason, the Tangerine cash-back card is considered one of the best. You can choose which spending categories you wish to earn your cash back in and how you want to use your cashback. Plus, all of your transactions can be done through online and mobile banking.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Highest Cash Back Credit Card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking for a credit card with the highest cash-back, then a good choice is the BMO World Elite Mastercard. You can earn a lot of cashback with this card while still redeeming your points for what you choose. That said, there are many other cashback credit cards with similar rewards.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">10% Cash Back Credit Card Canada<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While there aren\u2019t any credit cards that give you 10% cashback all the time, there are credit cards that will give you 10% back up to a limit during their promotional period. These credit cards include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Scotia Momentum Visa Infinite Card<\/li>\n\n\n\n<li>BMO CashBack World Elite Mastercard<\/li>\n\n\n\n<li>CIBC Dividend Visa Infinite Card<\/li>\n\n\n\n<li>Tangerine World Mastercard<\/li>\n\n\n\n<li>Simplii Financial Cash Back Visa<\/li>\n\n\n\n<li>SimplyCash American Express Preferred Card<\/li>\n\n\n\n<li>TD Cash Back Visa Infinite Card<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Best RBC Cash Back Card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While RBC does offer several cash-back credit cards, one of the best is the <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/cash-back\/rbc-preferred-world-elite-mastercard.html\">RBC Cash Back Preferred World Elite Mastercard<\/a>. This card offers you 12% back on the first 3% of purchases, up to $2,000. There\u2019s an annual fee of $99 and no fees for any additional cards. The purchase interest rate is 20.99%, and the cash advance rate is 22.99%. After your promotional period ends, you can earn 1.5% on all other purchases, with no limit. As a result, this card can earn you more rewards than the no-fee card.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some additional features included with this card are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$0.03 off per litre and 20% more points at Petro Canada<\/li>\n\n\n\n<li>50 Be Well points for every $1 spent at Rexall<\/li>\n\n\n\n<li>A 12-month complimentary DashPass subscription<\/li>\n\n\n\n<li>Mastercard Travel Rewards<\/li>\n\n\n\n<li>Mastercard Airport Experiences<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">To get approved for this card, you have to meet the annual requirements based on your personal or household income.&nbsp; You must have a personal income of $80,000 or a minimum household income of $150,000. You also need a good credit history and to pass the credit check.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best Rogers Cash Back Card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While Rogers offers two cash-back credit cards, the <a href=\"https:\/\/www.rogersbank.com\/en\/rogers_red_worldelite_mastercard_details\">Rogers Red World Elite Mastercard<\/a> offers more rewards. If you have one qualifying service with Rogers, Fido or Shaw, you can earn 2% back on qualifying non-US purchases. If you don\u2019t, then you can earn 1.5% back. You earn 3% back on qualifying US purchases. You can also get 1.5x more cash back when you redeem for Rogers, Fido or Shaw purchases.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With this card, there\u2019s no annual fee or fees for additional cardholders. The purchase interest rate ranges from 20.99% to 25.99%, and the cash advance rate ranges from 22.99% to 27.99%. Other benefits that you can get with this card include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5 Roam Like Home days with a Rogers Mobile Plan<\/li>\n\n\n\n<li>Extended Warranty and Purchase Protection<\/li>\n\n\n\n<li>Rental Car Collision and Damage Insurance<\/li>\n\n\n\n<li>Out-of-Province and Out-of-Country Emergency Medical Insurance<\/li>\n\n\n\n<li>Trip Interruption and Trip Cancellation Insurance<\/li>\n\n\n\n<li>Complimentary Mastercard Travel Pass Membership<\/li>\n\n\n\n<li>Access to over 1,300 Airport Lounges<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Best Cash Back Mastercard and Visa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s really difficult to determine which Visa or Mastercard offers the best cash back in Canada. Many of these cards have the same benefits, but they don\u2019t have the same cash-back options. These are individual to the credit card company and can vary from card to card. To determine which is best for you, figure out what you spend the most on with your credit card and which added benefits are most important to you. This means that your spending habits and the credit card providers you choose must align, even if you have multiple credit cards.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Card That Offers the Highest Welcome Bonus in 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While there are plenty of different cashback cards to choose from, the BMO CashBack World Elite Mastercard is one of the best. You can get up to $650 in total value, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$40 in cash back each month when you spend a minimum of $2,000 in your first year<\/li>\n\n\n\n<li>$139 annual fee rebate in your first year<\/li>\n\n\n\n<li>Roadside Assistance ($75 value)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is on top of the standard cash back that you earn with every purchase.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Have Cashback Rates Increased or Decreased this Year?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To entice more people to get cashback credit cards, cashback rates have increased this year. This is especially true for promotional cashback rates, which can range from 10% to 20%. With many standard cashback rates ranging from 1% to 5%.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best New Cashback Credit Cards<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While there aren\u2019t any new cashback credit cards that have been released in 2026, there are plenty that allow you to earn some great rewards as well as a welcome bonus. The two considered the best are the BMO CashBack Mastercard (World Elite) and the Scotiabank Momentum Visa Infinite Card.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scotia Momentum Visa Infinite Card<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking for a cash-back credit card with high rewards, then the <a href=\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/credit-cards\/visa\/momentum-infinite-card.html\">Scotia Momentum Visa Infinite Card<\/a> might be the right fit for you. However, there are income limits on this card. You must have a minimum personal income of $60,000 or a minimum household income of $100,000. You can also qualify with a minimum of $250,000 in assets under management.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a special offer, you can currently get 10% cash back on all purchases when you spend up to $2,000 in the first 3 months. There\u2019s also no annual fee for the first year. After that, the annual fee is $120, plus $50 per supplementary card. The minimum credit limit is $5,000, and the purchase interest rate is 20.99%. The cash advance rate is 22.99%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to earning points with this card, you can get 4% cash back for every $1 spent on grocery store purchases, recurring bill payments, and subscription payments. You can also get 2% back on gas and daily transit purchases, as well as 1% cash back for every $1 spent on everything else.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some other benefits included with this card are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visa Infinite Concierge Services\u00a0<\/li>\n\n\n\n<li>Visa Infinite Hotel Collection<\/li>\n\n\n\n<li>Visa Infinite Dining and Wine Country Program<\/li>\n\n\n\n<li>New Mobile Device Insurance<\/li>\n\n\n\n<li>Trip Cancellation and Trip Interruption Insurance<\/li>\n\n\n\n<li>Travel Emergency Medical Insurance<\/li>\n\n\n\n<li>Flight Delay Insurance<\/li>\n\n\n\n<li>Delayed and Lost Baggage Insurance<\/li>\n\n\n\n<li>Travel Accident Insurance<\/li>\n\n\n\n<li>Rental Car Collision Loss and Damage Insurance<\/li>\n\n\n\n<li>Purchase Security and Extended Warranty Protection<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">BMO CashBack World Elite Mastercard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/bmo-cashback-world-elite-mastercard\/\">BMO Cash Back World Elite <\/a>Mastercard also offers some great cash-back rewards. However, to qualify, you have to have a minimum personal income of $80,000 or a minimum household income of $150,000. If you apply now, you could qualify for the welcome offer of 10% cash back in the first 3 months and the annual fee waived. That said, you could also receive the annual fee rebate if you have a BMO Premium Chequing Account as your bank account.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With this card, the annual fee is $120, the purchase interest rate is 21.99%, and the cash advance interest rate is 23.99%. When it comes to points, you can earn 5% back on groceries, 4% back on transit, 3% back on gas, 2% back on recurring bills and 1% back on all other purchases. Plus, there\u2019s no limit on how much cash back you can earn.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other benefits included with this card are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Roadside Assistance<\/li>\n\n\n\n<li>Travel and Medical Protection<\/li>\n\n\n\n<li>Redeeming as little as $1 in cash back<\/li>\n\n\n\n<li>$0.07 cents per litre savings at Shell<\/li>\n\n\n\n<li>Car rental discounts with Alamo, Enterprise and National<\/li>\n\n\n\n<li>Complimentary Mastercard Travel Pass provided by Dragon Pass<\/li>\n\n\n\n<li>Extended Warranty and Purchase Protection<\/li>\n\n\n\n<li>Mastercard Travel Rewards Cash Back Offers<\/li>\n\n\n\n<li>BMO PaySmart Installment Plans<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Are American Express Cashback Cards Still Competitive?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, in fact, American Express cashback cards are still very competitive for specific spending profiles. They\u2019re especially great for those who want to get high returns on their everyday purchases, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Eligible gas station purchases<\/li>\n\n\n\n<li>Everyday spending<\/li>\n\n\n\n<li>Eligible grocery purchases<\/li>\n\n\n\n<li>Flexible bonus cash<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You can even get insurance coverage, including rental car insurance. Depending on the card you get, you can also get your first year&rsquo;s annual fee rebate and access to a car rental booking, too.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best Cashback Cards for Grocery Inflation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Since grocery prices have been continually rising, many people are using their credit cards to earn rewards, and getting a card that earns more rewards is a good way to do so. Some of the best options have grocery cashback rates of as high as 5%. These include:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>CashBack Card<\/td><td>Grocery CashBack<\/td><td>Annual Fee<\/td><\/tr><tr><td>The BMO CashBack World Elite Mastercard<\/td><td>5%<\/td><td>$139<\/td><\/tr><tr><td>The Neo World Elite Mastercard<\/td><td>5%<\/td><td>$149<\/td><\/tr><tr><td>The Scotiabank Momentum Visa Infinite Card<\/td><td>4%<\/td><td>$120<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Cashback Cards that Offer Quarterly Categories<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In terms of cashback cards, some offer quarterly categories. In fact, two credit cards stand out.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Tangerine Money Back Credit Card: <\/strong>With this card, you can earn 2% on up to three categories. Two are included, but you can unlock the third one by having your cash back dollars automatically deposited into your chequing or savings accounts. The categories you can choose from include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Eligible grocery store purchases<\/li>\n\n\n\n<li>Eligible gas purchases<\/li>\n\n\n\n<li>Eligible furniture purchases<\/li>\n\n\n\n<li>Eligible recurring bills<\/li>\n\n\n\n<li>Eligible restaurant purchases<\/li>\n\n\n\n<li>Eligible pharmacy purchases<\/li>\n\n\n\n<li>Eligible entertainment purchases<\/li>\n\n\n\n<li>Eligible hotel\/motel purchases<\/li>\n\n\n\n<li>Eligible transportation\/parking purchases<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The BMO CashBack World Elite Mastercard: <\/strong>This card works a little differently, with quarterly caps on accelerated categories. After you have spent $2,500 per quarter, your rewards recert back to 1%. These accelerated categories are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5% on groceries<\/li>\n\n\n\n<li>4% on transit and taxis<\/li>\n\n\n\n<li>3% on gas and EV charging<\/li>\n\n\n\n<li>2% on recurring bills\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Best Card Combinations to Maximize Cashback<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking to make the most of your credit card balance when you redeem cash, then taking advantage of everyday cash back, generous welcome bonuses, and even premium perks is a good start. In fact, the best way you can take advantage of this is by getting multiple credit cards.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In fact, the two credit cards that can help you maximize your rewards for dollar purchases are the Rogers World Elite Mastercard and the Tangerine Money Back Credit Card. Some other premium cards that you can also mix and match with are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Scotia Momentum Visa Infinite Card<\/li>\n\n\n\n<li>Eligible BMO Credit Cards<\/li>\n\n\n\n<li>SimplyCash Preferred Card<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Category Changes for Cashback Credit Cards<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Canada, many cash-back credit cards are changing how they manage their cash-back rewards. Upon account opening, many allow you to change your earning categories to increase your actual cash back. In fact, many also allow you to choose your bonus eligible purchases. A prime example of this is the Tangerine Money Back Mastercard.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With this card, you can choose the categories where you want to earn more cash back so that you can take advantage of your earning potential.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are Crypto Cashback Cards Worth Considering?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Getting a crypto cashback credit card is only really beneficial if you already invest heavily in digital assets. These cards are also typically prepaid credit cards, so there\u2019s no interest, and you don\u2019t need to pass any credit checks.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, for the everyday credit card user, these aren\u2019t usually very beneficial. This is because there\u2019s no purchase protection available, owning crypto affects your taxes, and getting the highest cashback rates involves exposure to significant market volatility.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing the right cash-back card can be difficult. Each of these has its own pros and cons, while others can be more difficult to qualify for. Many of them also require you to meet the minimum credit score requirements and have a good credit history.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, you should compare cash-back options to all your purchases. You should also look at all the credit cards and figure out which you would use the most. While it is okay to have multiple credit cards, you don\u2019t want to have so many that you can\u2019t keep track of them.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>While there are many different types of rewards credit cards, a particularly common one is a cashback credit card. Banks and other credit card issuers offer these types of credit cards with varying limit amounts.<\/p>\n","protected":false},"author":23,"featured_media":11787,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[57],"tags":[],"class_list":["post-12383","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-save-invest"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Cashback Credit Cards in Canada 2026 - Spring Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/springfinancial.ca\/fr\/blog\/save-invest\/best-cashback-credit-cards\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Cashback Credit Cards in Canada 2026 - Spring Financial\" \/>\n<meta property=\"og:description\" content=\"While there are many different types of rewards credit cards, a particularly common one is a cashback credit card. Banks and other credit card issuers offer these types of credit cards with varying limit amounts.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/springfinancial.ca\/fr\/blog\/save-invest\/best-cashback-credit-cards\/\" \/>\n<meta property=\"og:site_name\" content=\"Spring Financial\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/springfinancial\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-12T19:21:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-12T19:22:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/04\/Best-cashback-credit-cards-in-Canada.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1120\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jessica Steer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jessica Steer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"20 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/save-invest\\\/best-cashback-credit-cards\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/save-invest\\\/best-cashback-credit-cards\\\/\"},\"author\":{\"name\":\"Jessica Steer\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#\\\/schema\\\/person\\\/33a6ea920a4b1c4924d6b2de718e5c2b\"},\"headline\":\"Best Cashback Credit Cards in Canada 2026\",\"datePublished\":\"2026-06-12T19:21:55+00:00\",\"dateModified\":\"2026-06-12T19:22:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/save-invest\\\/best-cashback-credit-cards\\\/\"},\"wordCount\":4099,\"publisher\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/save-invest\\\/best-cashback-credit-cards\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/springfinancial.ca\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Best-cashback-credit-cards-in-Canada.jpg\",\"articleSection\":[\"Save &amp; 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