Cash Back Credit Card Calculators
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 Cash Back Calculators|
|BMO CashBack World Elite Mastercard Calculator|
|BMO CashBack World Mastercard Calculator|
|BMO CashBack Mastercard Calculator|
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 Cash Back Calculators|
|Aspire Cash Platinum Mastercard Calculator|
CIBC offers three cash back credit cards. The CIBC Dividend Visa Infinite and CIBC Dividend Visa Platinum earns big on gas and grocery and comes with a handful of useful benefits including travel and purchase insurance. The CIBC Divdend Visa Card has no annual fee and earns a decent return on grocery.
|CIBC Cash Back Calculators|
|CIBC Dividend Visa Infinite Card Calculator|
|CIBC Dividend Visa Platinum Card Calculator|
|CIBC Dividend Visa Card Calculator|
Desjardins offers a total of six personal credit cards in which four earns BONUSDOLLARS and the other two earns cash back. These cards feature categories such as grocery, restaurant, entertainment, public transportation and pre-authorized payments. You can earn anywhere from 1.5% to 4% back spending in these categories depending on which card you have.
Laurentian Bank offers one cash back credit card called the Laurentian Visa Dollars Card. It earns 3% cash back on recurring payments along with 2% back on both supermarket and gas station purchases. The Laurentian Visa Dollars Card also comes with both purchase insurance and extended warranty.
|Laurentian Visa Dollars Card Calculator|
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 Cash Back Calculators|
|MBNA Smart Cash World Mastercard Calculator|
|MBNA Smart Cash Platinum Plus Mastercard Calculator|
Rogers Bank offers three cash back credit cards. The Rogers World Elite Mastercard is the premimum card in the bunch which offers 1.5% cash back on general purchases, a total of 0.5% cash back on U.S. Dollars purchases (earns 3%, but the card has a foreign currency conversion fee of 2.5%), and great travel and purchase insurance. The Rogers Platinum Mastercard features the same earning rates, but doesn't come with any extra benefits. Lastly, the Fido Mastercard offers a solid 1.5% return on recurring bill payments which includes your Fido bill.
|Rogers Cash Back Calculators|
|Rogers World Elite Mastercard Calculator|
|Rogers Platinum Mastercard Calculator|
|Fido Mastercard Calculator|
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 Cash Back Calculator|
|Scotia Momentum Visa Infinite Card Calculator|
|Scotia Momentum Visa Card Calculator|
|Scotia Momentum No-Fee Visa Card Calculator|
|Scotia Momentum for business Visa Card Calculator|
Simplii Financial offers one credit card which is the Simplii Financial Cash Back Visa Card. It offers a whopping 4% back at restaurants, bars, and coffee shops along with 1.5% across several other categories such as grocery and gas station.
|Simplii Financial Cash Back Calculators|
|Simplii Financial Cash Back Visa Card Calculator|
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 Cash Back Calculators|
|Tangerine Money-Back Credit Card Calculator|
|Tangerine Money-Back Credit Card Calculator (SA)|
|Tangerine World Mastercard Calculator|
|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|
|TD Cash Back Visa Infinite Card Calculator|
|TD Cash Back Visa Card Calculator|
|TD Business Cash Back Visa Card Calculator|
If you're looking to calculate general cash back, you can use the calculators listed below. They'll calculate total cash back based on spend just like other calculators on the site.
|1.5% Cash Back Calculator|