Cash Back Credit Card Calculators

Calculate Cash Back & Compare Cards

Calculate how much cash back you can earn with Canada credit cards based on your spend and compare the results against top point, mile, and cash back cards.


Cash back is the easiest reward currency to understand when compared to points and miles. Since one cent earned in cash back is usually worth 1 cent in cash, there's no range of values or redemptions that makes your cash worth more or less. It's the most straightforward and popular way of earning rewards for those who don't want to deal with the extra research that comes with earning points and miles.

Cash Back Credit Cards

Listed below are all cash back programs and credit cards features on the site for Canadian citizens. You can click on a credit card to calculate total cash back based on your spend, how much the card benefits are worth to you, and annual fees. You can then compare the results side by side other credit cards featured on the site.

BMO - Bank of Montreal

BMO offers three cash back credit cards. The World Mastercard and World Elite Mastercard earns a flat rate of cash back on all purchases and comes with a good amount of travel insurance and purchase protections while the regular Mastercard is a great option for those looking to earn a 3% return on grocery.

BMO
BMO Cash Back Calculators
Credit Cards
BMO CashBack World Elite Mastercard BMO CashBack World Elite Mastercard Calculator
BMO CashBack World Mastercard BMO CashBack World Mastercard Calculator
BMO CashBack Mastercard BMO CashBack Mastercard Calculator

Capital One

Capital One offers one cash back card called the Aspire Cash Platinum Mastercard. It offers 1% cash back on all purchases along with some solid travel and purchase insurance.

Capital One
Capital One Cash Back Calculators
Credit Cards
Aspire Cash Platinum Mastercard Aspire Cash Platinum Mastercard Calculator

MBNA

MBNA offers the Smart Cash Platinum Plus Mastercard and Smart Cash World Mastercard. Both cards earn the same return on gas and grocery purchases, but the World Mastercard earns double the rate of the Platinum Plus Mastercard on non-category purchases and comes with a few additional benefits.

MBNA
MBNA Cash Back Calculators
Credit Cards
MBNA Smart Cash World Mastercard MBNA Smart Cash World Mastercard Calculator
MBNA Smart Cash Platinum Plus Mastercard MBNA Smart Cash Platinum Plus Mastercard Calculator

Scotiabank

Scotiabank offers four cash back credit cards which features 3 personal cards and 1 business card. Bonus categories across these cards include grocery, gas station, transit, recurring bill payments, and drug store purchases to name a few.

Scotiabank
Scotiabank Cash Back Calculator
Credit Cards
Scotia Momentum Visa Infinite Card Scotia Momentum Visa Infinite Card Calculator
Scotia Momentum Visa Card Scotia Momentum Visa Card Calculator
Scotia Momentum No-Fee Visa Card Scotia Momentum No-Fee Visa Card Calculator
Scotia Momentum for business Visa Card Scotia Momentum for business Visa Card Calculator

Tangerine

Tangerine offers two credit cards called the Tangerine Money-Back Credit Card and Tangerine World Mastercard. Both cards allow you to choose up two categories to earn 2% cash back in or three categories to earn 2% cash back in if you have your rewards deposited into a Tangerine Savings Account (SA). The Tangerine World Mastercard offers additional benefits that aren't featured on the Money-Back Credit Card. Both cards have no annual fee.

The Savings Account (SA) calculator versions allow you to calculate cash back based on three 2% category selections versus the standard two.

Tangerine Bank
Tangerine Cash Back Calculators
Credit Cards
Tangerine Money-Back Credit Card Tangerine Money-Back Credit Card Calculator
Tangerine Money-Back Credit Card (SA) Tangerine Money-Back Credit Card Calculator (SA)
Tangerine World Mastercard Tangerine World Mastercard Calculator
Tangerine World Mastercard (SA) Tangerine World Mastercard Calculator (SA)

TD Bank Canada

TD Bank offers three cash back credit cards which consists of two personal cards and one business card. These cards focus on the bonus categories of grocery, gas station, office supply, and recurring bill payments.

TD Bank Canada
TD Cash Back Calculators
Credit Cards
TD Cash Back Visa Infinite Card TD Cash Back Visa Infinite Card Calculator
TD Cash Back Visa Card TD Cash Back Visa Card Calculator
TD Cash Back Visa Infinite Card TD Business Cash Back Visa Card Calculator

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