Canada Cash Back Credit Cards & Rewards Calculators

Cash back is the most flexible of the reward types when compared to points and miles. It can be redeemed for just about anything and will generally be the best option if you want to use your rewards for more than just travel.

With cash back rewards, the rewards you earn are worth face value so there's no worrying about transferring rewards to partners or researching which redemptions will give you the most value. You will also never have to worry about devaluations like you would when earning points and miles.

The only real drawback to cash back rewards comes mainly from redemptions that revolve around travel. While the value of points and miles vary by program, they will typically outshine most cash back cards when it comes to redeeming rewards for airfare and hotels.

This especially holds true for travel rewards programs that allow you to transfer your rewards directly to frequent flyer and hotel loyalty programs. So if you're looking to earn rewards towards travel, you'll want to check out travel rewards credit cards.

You can click on any of the credit cards listed on this page to calculate how much cash back you can earn based on the monthly and yearly spend amounts you enter. Results can be compared side by side up to two credit cards from any issuer.

Tangerine Credit Cards

Credit Card	Benefits	Annual Fee
Tangerine Money-Back Credit Card Card Value & Money-Back Calculator	Intro Bonus: Earn 10% Back Earn unlimited 2% Money-Back Rewards on your everyday purchases in two categories of your choice Get your rewards deposited into your Tangerine Savings account and get a 3rd 2% Money-Back category Money-Back Rewards are earned automatically on everyday purchases and paid monthly No fee to add additional authorized users Purchase Assurance and Extended Warranty	$0
Tangerine World Mastercard® Card Value & Money-Back Calculator	Intro Bonus: Earn 10% Back Earn unlimited 2% Money-Back Rewards on your everyday purchases in two categories of your choice Get your rewards deposited into your Tangerine Savings account and get a 3rd 2% Money-Back category Airport lounge access Mastercard® Travel Rewards On-Demand and subscription services Boingo Wi-Fi for Mastercard® Rental car collision/loss damage insurance Mobile device insurance	$0

National Bank of Canada Credit Cards

Credit Card	Benefits	Annual Fee
National Bank ECHO Cashback Mastercard Best For Online Purchases Card Value & Cash Back Calculator	Earn 1.5% back on gas, grocery, and online purchases, on up to $25,000 in annual spend Earn 1% back on all other purchases Purchase protection and extended warranty	$30
National Bank mycredit Mastercard Card Value & Cash Back Calculator	$75 Cash Back Earn 1% cash back on restaurant and pre-authorized payment purchases Earn 0.5% cash back on all other card purchases Mobile device insurance Purchase protection and extended warranty	$0

American Express Credit Cards

Credit Card	Benefits	Annual Fee
SimplyCash® Preferred Card from American Express Best For Flat-Rate Cash Back Card Value & Cash Back Calculator	4% back on gas station purchases in Canada 4% back on grocery purchases in Canada, up to $1,200 cash back annually Unlimited 2% back on all other card purchases	$9.99 per month ($119.88 annually)
SimplyCash® Card from American Express Best No Fee Card For Flat-Rate Cash Back Card Value & Cash Back Calculator	2% back on gas station purchases in Canada 2% back on grocery purchases in Canada, up to $300 cash back annually Unlimited 1.25% back on all other card purchases	No annual fee

BMO Credit Cards

Credit Card	Benefits	Annual Fee
BMO CashBack® World Elite® Mastercard® Card Value & Cash Back Calculator	Earn 5% back on groceries Earn 4% back on transit, including ride sharing, taxis, and public transportation Earn 3% back on gas and electric vehicle charging Earn 2% back on recurring bills Earn an unlimited 1% back on all other purchases Airport lounge access	$120
BMO CashBack® Mastercard® Card Value & Cash Back Calculator	Earn 3% cash back on grocery purchases Earn 1% cash back on recurring bill payments Earn an unlimited 0.5% back on all other purchases	$0

Capital One Credit Cards

Credit Card	Benefits	Annual Fee
Aspire Cash™ Platinum Mastercard® Card Value & Cash Back Calculator	Earn an unlimited 1% cash back on all purchases Travel and shopping insurance	$0

CIBC

Credit Card	Benefits	Annual Fee
CIBC Dividend® Visa Infinite Card Card Value & Cash Back Calculator	Earn 4% cash back on gas and groceries Earn 2% cash back on transportation, dining and recurring payments Earn 1% cash back on everything else Visa Infinite benefits	$120 (first year rebated)
CIBC Dividend Platinum® Visa Card Card Value & Cash Back Calculator	Earn 3% cash back on gas and groceries Earn 2% cash back on transportation, dining and recurring payments Earn 1% cash back on all other purchases	$99
CIBC Dividend® Visa Card Card Value & Cash Back Calculator	Earn 2% cash back on groceries Earn 1% cash back on gas, transportation, dining, and recurring payments Earn 0.5% cash back on everything else	$0

Desjardins

Credit Card	Benefits	Annual Fee
Odyssey® Visa Infinite Privilege card Card Value & BONUSDOLLARS Calculator	Earn 4% back in BONUSDOLLARS on restaurant, entertainment, and alternative transportation purchases Earn 3% back in BONUSDOLLARS on groceries and travel Earn 1.75% back in BONUSDOLLARS on all other purchases Desjardins Odyssey Lounge passes Get comprehensive travel insurance for up to 60 consecutive days	$295 ($395 for non-members)
Odyssey® World Elite® Mastercard® Card Value & BONUSDOLLARS Calculator	Earn 3% back in BONUSDOLLARS on grocery purchases Earn 2% back in BONUSDOLLARS on restaurant, entertainment, and alternative transportation purchases Earn 1.5% back in BONUSDOLLARS on other purchases Airport lounge access Get comprehensive travel insurance for up to 60 consecutive days	$130
Odyssey® Gold Visa Card Value & BONUSDOLLARS Calculator	Earn 2% back in BONUSDOLLARS on restaurant, entertainment, alternative transportation, and pre-authorized payments purchases Earn 1% back in BONUSDOLLARS on all other purchases Get comprehensive travel insurance for up to 60 consecutive days Get 50% off the regular admission fee for the Desjardins Odyssey Lounge	$110
Bonus Visa credit card Card Value & BONUSDOLLARS Calculator	Earn 2% back in BONUSDOLLARS on restaurant, entertainment, public transportation, and pre-authorized payments Earn 0.5% back in BONUSDOLLARS on all other purchases Mobile device insurance Free travel insurance for up to 3 days	$0
Cash Back World Elite® Mastercard® Card Value & Cash Back Calculator	Earn 4% cash back on grocery store purchases Earn 3% cash back on restaurant, entertainment, and alternative transportation purchases Earn 1% cash back on all other purchases Airport lounge access Free travel insurance for up to 3 days	$100
Cash Back Visa/Mastercard credit card Card Value & Cash Back Calculator	Earn 2% cash back on restaurant, entertainment, alternative transportation, and pre-authorized payments Earn 0.5% cash back on all other card purchases Free travel insurance for up to 3 days	$0

Home Trust

Credit Card	Benefits	Annual Fee
Home Trust Preferred Visa Credit Card	Earn 1% cash back on all purchases. No annual fee and no foreign transaction fees.	$0

Laurentian Bank

Credit Card	Benefits	Annual Fee
Laurentian Bank Visa DOLLARS Card Value & Visa DOLLARS Calculator	Earn 3% back on pre-authorized debits made to the card. Earn 2% back on grocery and gas station purchases. Earn 1% back on all other purchases made to the card.	$65

MBNA

Credit Card	Benefits	Annual Fee
MBNA Smart Cash World Mastercard® Card Value & Cash Back Calculator	Earn 2% cash back on gas station and grocery purchases. Earn 1% cash back on all other purchases. Price protection	$39
MBNA Smart Cash Platinum Plus® Mastercard® Card Value & Cash Back Calculator	Earn 2% cash back on gas station and grocery purchases. Earn 0.5% cash back on all other purchases.	$0

Rogers

Credit Card	Benefits	Annual Fee
Rogers™ World Elite® Mastercard® Card Value & Cash Back Calculator	Earn an unlimited 1.5% cash back on all eligible regular purchases Earn an unlimited 3% cash back on all eligible purchases made in U.S. dollars Airport lounge access Travel and purchase insurance	$0
Rogers Connections™ Mastercard® Card Value & Cash Back Calculator	Earn an unlimited 1% cash back on non-U.S. dollar purchases Earn an unlimited 2% cash back on U.S. dollar purchases 5 Roam Like Home Days at no additional cost every year 30% redemption bonus on Rogers purchases	$0 the first year, then $29.
Fido™ Mastercard® Card Value & Cash Back Calculator	Earn 1.5% cash back on recurring payments made to the card, including your Fido Bill Earn 1% cash back on all other card purchases	$0

Scotiabank

Credit Card	Benefits	Annual Fee
Scotia Momentum® Visa Infinite Card Card Value & Cash Back Calculator	Earn 4% cash back for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases Earn 2% cash back for every $1 you spend on gas purchases and daily transit purchases Visa Infinite benefits Discounts with Avis and Budget Comprehensive travel insurance and new mobile device insurance	$120
Scotia Momentum® Visa Card Card Value & Cash Back Calculator	Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments Earn 1% cash back on all other eligible purchases Discounts with Avis and Budget	$39
Scotia Momentum® No-Fee Visa Card Card Value & Cash Back Calculator	Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments Earn 0.5% cash back on all other eligible purchases Discounts with Avis and Budget	$0
Scotia Momentum® for Business Visa Credit Card Card Value & Cash Back Calculator	Earn 3% cash back on eligible gas station, restaurant and office supply store purchases, and on eligible recurring bill payments Earn 1% cash back on all other everyday purchases for your business	$79

Simplii Financial

Credit Card	Benefits	Annual Fee
Simplii Financial™ Cash Back Visa Card Best For Restaurants & Dining Card Value & Cash Back Calculator	Earn 4% cash back on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year. Earn 1.5% cash back on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year. Earn 0.5% cash back on all other purchases.	$0

TD Bank

Credit Card	Benefits	Annual Fee
TD Cash Back Visa Infinite Card Card Value & Cash Back Calculator	Earn 3% in Cash Back Dollars on eligible grocery and gas purchases, and on regularly recurring bill payments set up on the account Earn 1% in Cash Back Dollars on all other card purchases Visa Infinite benefits Avis and Budget discounts	$139
TD Cash Back Visa Card Card Value & Cash Back Calculator	Earn 1% in cash back dollars on eligible grocery and gas purchases, and on regularly recurring bill payments set up on the account Earn 0.5% in cash back dollars on all other purchases Avis and Budget discounts	$0
TD Business Cash Back Visa Card Card Value & Cash Back Calculator	Earn 2% in Cash Back Dollars on eligible office supply and gas purchases, and on regularly recurring bill payments set up on the account. Earn 0.5% in Cash Back Dollars on all other purchases made to the card. Avis and Budget discounts Save up to 25% on business purchases with Visa SavingsEdge.	$0

Specialty Calculators

1% Cash Back Calculator

1.5% Cash Back Calculator

2% Cash Back Calculator

3% Cash Back Calculator

4% Cash Back Calculator

5% Cash Back Calculator

10% Cash Back Calculator

Cash Back Calculator

Input your monthly and yearly spend amounts into our Canada credit card cash back calculator to find out which cards will earn you the most.

Results will be sorted by net return. This is calculated by taking the cash back earned, adding the average value of card benefits, and subtracting any annual fees the card has.

Results will consist of top-rated credit cards in Canada that earns cash back.

Loading Calculator...

If the calculator doesn't load after a few seconds, click here to re-load calculator.

Category Spending

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

Add Categories

Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.

Type at least 3 characters.

Currently Selected:

Spend Region:

Income Requirement

Income Type

Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household.

Income Maximum

Select the maximum income requirement you want listed in your top picks.

Calculator Options

Personal & Business Cards

Credit Card Type

Select which type of credit cards appear in the results. You can choose from personal (consumer) credit cards, business credit cards, or both.

Find out which credit cards will offer you the most value based on the spend amounts you entered

No Results. This is usually due to:

There's no good card options based on the spend entered.
The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.

Results

These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only. You can click on the estimated earnings to see the calculations or click on the card to learn more.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.

Best Credit Cards

Listed below are up to 10 of the best rewards credit cards based on the spend amounts you entered (when applicable).

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Rewards Cards

If you're looking to earn a solid return on your spend, rewards credit cards are the way to go. These cards offer general rewards that can be used towards a number of different redemptions including cash back, statement credits, travel, gift cards, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Co-branded credit cards offer benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee Cards

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

No Foreign Transaction Fee Cards

When you make a charge with your credit card outside of the country, many card issuers will charge you a foreign transaction fee. Luckily, there are a handful of credit cards that waive foreign transaction fees which is great if you're looking to earn rewards on international spending and travel.