Cash Back Credit Cards Canada

Cash Back Credit Card Calculators
View the list of top cash back credit cards in Canada, calculate how much you can earn based on spend, and compare card results side by side.
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Tangerine Bank

Tangerine World Mastercard®

  • 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.
  • Enjoy airport lounge access.
  • Be protected with rental car collision/loss damage insurance and mobile device insurance.
  • Money-Back Rewards are earned automatically on everyday purchases and paid monthly.
  • $0 annual fee.
Tangerine Money-Back and Card Value Calculator

National Bank of Canada

American Express

BMO

Capital One

CIBC

CIBC Dividend Visa Card

  • 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 annual fee.
Calculator

Desjardins

Odyssey® Visa Infinite Privilege card

  • 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 annual fee ($395 for non-members).
BONUSDOLLARS & Card Value Calculator

Odyssey® World Elite® Mastercard®

  • 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 annual fee.
Calculator

Odyssey® Gold Visa

  • 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 annual fee.
BONUSDOLLARS & Card Value Calculator

Bonus Visa credit card

  • 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 annual fee.
BONUSDOLLARS & Card Value Calculator

Home Trust

Home Trust Preferred Visa Credit Card

  • Earn 1% cash back on all purchases.
  • No foreign transaction fees.
  • $0 annual fee.
No Calculator Available

Laurentian Bank

MBNA

Rogers

Scotiabank

Simplii Financial

TD Bank

Specialty Calculators

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.

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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.

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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.

Calculate Total Rewards & Card Value Per $1 Spent For 100+ Canada Credit Cards
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Maximize your credit card rewards

Our Credit Card Rewards calculator can help you find the credit cards that will earn you the most points, miles and cash back based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let our tool do the work for you!