Tangerine Bank
Tangerine Money-Back Credit Card
- 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.
- $0 annual fee.
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.
National Bank of Canada
National Bank ECHO Cashback Mastercard
- No current bonus
- Earn 1% - 1.5% cash back per $1 spent.
- Purchase protection and extended warranty.
- $30 annual fee.
National Bank mycredit Mastercard
- No current offer
- Earn 0.5% - 1% cash back on purchases.
- Be protected with mobile device insurance, purchase protection and extended warranty.
- $0 annual fee.
American Express
SimplyCash® Preferred Card from American Express
- Earn 4% back on gas station purchases in Canada.
- Earn 4% back on grocery purchases in Canada, up to $1,200 cash back annually.
- Unlimited 2% back on all other card purchases.
- $9.99 monthly fee.
SimplyCash® Card from American Express
- Earn 2% back on gas station purchases in Canada.
- Earn 2% back on grocery purchases in Canada, up to $300 cash back annually.
- Earn unlimited 1.25% back on all other card purchases.
- $0 annual fee.
BMO
BMO CashBack® World Elite® Mastercard®
- 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.
- Enjoy airport lounge access.
- $120 annual fee.
BMO CashBack® Mastercard®
- 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 annual fee.
Capital One
Aspire Cash™ Platinum Mastercard®
- Earn an unlimited 1% cash back on all purchases.
- Be protected with travel and shopping insurance.
- $0 annual fee.
CIBC
CIBC Dividend® Visa Infinite Card
- 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 annual fee (first year rebated).
CIBC Dividend Platinum® Visa Card
- 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 annual fee.
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.
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).
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.
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.
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.
Cash Back World Elite® Mastercard®
- 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 annual fee.
Cash Back Visa/Mastercard credit card
- 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 annual fee.
Home Trust
Home Trust Preferred Visa Credit Card
- Earn 1% cash back on all purchases.
- No foreign transaction fees.
- $0 annual fee.
Laurentian Bank
Laurentian Bank Visa DOLLARS
- 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 annual fee.
MBNA
MBNA Smart Cash World Mastercard®
- Earn 2% cash back on gas station and grocery purchases.
- Earn 1% cash back on all other purchases.
- Price protection.
- $39 annual fee.
MBNA Smart Cash Platinum Plus® Mastercard®
- Earn 2% cash back on gas station and grocery purchases.
- Earn 0.5% cash back on all other purchases.
Rogers
Rogers™ World Elite® Mastercard®
- 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 annual fee.
Rogers Connections™ Mastercard®
- 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 annual fee the first year, then $29.
Fido™ Mastercard®
- 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 annual fee.
Scotiabank
Scotia Momentum® Visa Infinite Card
- 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.
- Comprehensive travel insurance and new mobile device insurance.
- $120 annual fee.
Scotia Momentum® Visa Card
- 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
- $39 annual fee
Scotia Momentum® No-Fee Visa Card
- 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
- $0 annual fee.
Scotia Momentum® for Business Visa Credit Card
- 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 annual fee.
Simplii Financial
Simplii Financial™ Cash Back Visa Card
- 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 annual fee.
TD Bank
TD Cash Back Visa Infinite Card
- 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.
- $139 annual fee.
TD Cash Back Visa Card
- 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
- $0 annual fee.
TD Business Cash Back Visa Card
- 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.
- Save up to 25% on business purchases with Visa SavingsEdge.
- $0 annual fee.
Specialty Calculators
1% Cash Back Calculator
Use our calculator to calculate 1% cash back.
1.5% Cash Back Calculator
Use our calculator to calculate 1.5% cash back
2% Cash Back Calculator
Use our calculator to calculate 2% cash back
3% Cash Back Calculator
Use our calculator to calculate 3% cash back
4% Cash Back Calculator
Use our calculator to calculate 4% cash back
5% Cash Back Calculator
Use our calculator to calculate 5% cash back
10% Cash Back Calculator
Use our calculator to calculate 10% cash back
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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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.
