When it comes to cash back credit cards in Canada, you have plenty of options to choose from. Whether you’re looking for the best Canadian credit cards for cash back rewards, the top cash back credit cards in Canada, or the highest cash back credit cards in Canada, there is a card that can help you earn rewards on your everyday purchases.
With these credit cards, you can earn cash back on a wide range of purchases, including groceries, gas, recurring bill payments, and more. Whether you’re a frequent traveler, a student, or someone who enjoys online shopping, there is a cash back credit card that can meet your needs.
In this article, we’ll dive into the world of cash back credit cards and explore the best credit cards for cash back in Canada. We’ll discuss their features, benefits, and earning potential, helping you make an informed decision. With the right cash-back credit card, you can earn rewards on your everyday expenses and enjoy the benefits of cash back. Whether you’re looking for the highest cash back rates or additional perks, these credit cards can help you save more while you spend.
TD Cash Back Visa Infinite* Card
The TD Cash Back Visa Infinite* Card is the ultimate choice for those seeking the best tiered rewards rate credit card in Canada. With its attractive features and generous earning potential, this card is designed to help you maximize your cash back rewards.
One of the standout features of the TD Cash Back Visa Infinite* Card is its impressive introductory offer. You can earn a remarkable 10% in Cash Back Dollars on Bonus Eligible Purchases in the first 3 months, up to a total spend of $3,500. This means you can start earning significant cash back rewards right from the start.
Additionally, the TD Cash Back Visa Infinite* Card offers an annual fee waiver for the first year, making it even more appealing for those looking to earn cash back rewards without any additional costs. This fee waiver allows you to enjoy the benefits of the card without any financial burden.
With this card, you can also take advantage of TD’s tiered rewards program. You’ll earn 3% cash back on groceries, gas, and recurring bill payments, providing you with substantial savings on your everyday expenses. This tiered rewards structure ensures that you earn more cash back on your most essential purchases.
The TD Cash Back Visa Infinite* Card is designed to make your cash back experience seamless and rewarding. Whether you’re stocking up on groceries, filling up your gas tank, or paying your bills, this card allows you to earn cash back while enjoying the convenience and security of a Visa Infinite* Card.
What sets the TD Cash Back Visa Infinite* Card apart is its commitment to providing an exceptional cash back experience. From its lucrative introductory offer to its tiered rewards program, this card offers remarkable value and a higher earning potential than many other cash back credit cards on the market.
Take advantage of the TD Cash Back Visa Infinite* Card and start earning valuable cash back rewards today!
Scotia Momentum® Visa Infinite* Card
The Scotia Momentum® Visa Infinite* Card is a top choice for overall cash back rewards. With this card, you can earn cash back on various types of purchases, including groceries, recurring bills, and subscriptions. It’s a great option for maximizing your savings on everyday expenses.
Here are some key features of the Scotia Momentum® Visa Infinite* Card:
- 10% intro offer on all purchases for the first three months, up to $200
- 4% cash back on grocery store purchases, recurring bill payments, and subscription purchases
- 1% cash back on all other eligible purchases
- No annual fee for the first year
Whether you’re stocking up on groceries, paying your bills, or subscribing to your favorite services, the Scotia Momentum® Visa Infinite* Card allows you to earn cash back on a wide range of expenses. It’s a convenient way to make the most of your purchases and put money back in your pocket.
| Earning Potential | Annual Fee | Intro Offer |
|---|---|---|
| Up to 4% cash back on groceries, recurring bills, and subscriptions | No annual fee for the first year | 10% intro offer on all purchases for the first three months, up to $200 |
As you can see, the Scotia Momentum® Visa Infinite* Card offers a competitive cash back rate on groceries, along with attractive benefits such as the intro offer and no annual fee for the first year.
Whether you’re a frequent grocery shopper or someone who wants to earn cash back on everyday purchases, the Scotia Momentum® Visa Infinite* Card is a great choice. It combines convenience, flexibility, and rewarding cash back opportunities to enhance your overall shopping experience.
BMO CashBack® World Elite®* Mastercard®*
The BMO CashBack® World Elite®* Mastercard®* is the perfect credit card for online shopping enthusiasts. With its high cash back rate and attractive welcome offer, it provides an excellent opportunity to save money while indulging in your favorite online purchases.
When it comes to online shopping, this card offers a remarkable cash back rate of up to $260. Every time you use your BMO CashBack® World Elite®* Mastercard®* for online purchases, you can earn valuable cash back rewards. Whether you’re buying clothes, electronics, or booking travel accommodations online, this credit card allows you to earn while you spend.
Earn cash back for all your online shopping needs
Not only does the BMO CashBack® World Elite®* Mastercard®* offer a generous cash back rate for online shopping, but it also provides cash back rewards for other eligible purchases. You can earn anywhere from 1% to 10% cash back on these purchases, depending on the category.
With the BMO CashBack® World Elite®* Mastercard®*, your online shopping habits can finally reward you with cash back, bringing savings and excitement to your everyday purchases.
In addition to the enticing cash back rewards, the BMO CashBack® World Elite®* Mastercard®* also comes with a welcome offer and an annual fee waiver for the first year. This means you can start enjoying the benefits of this credit card right away without worrying about any extra costs.
| Card Benefits | Earning Potential |
|---|---|
| Welcome Offer | Up to $100 |
| Cash Back on Online Shopping | Up to $260 |
| Cash Back on Other Eligible Purchases | 1% to 10% |
| Annual Fee Waiver | First year |
The BMO CashBack® World Elite®* Mastercard®* is the ultimate credit card for avid online shoppers who want to earn cash back rewards on their purchases. With its lucrative cash back rates, welcome offer, and annual fee waiver, this card is a top choice for anyone looking to make the most out of their online shopping experience.
Neo Secured Credit
The Neo Secured Credit card is a great option for those looking to build credit and earn cash back rewards. It offers a minimum deposit requirement of $50, making it accessible to consumers of all budgets. The card also provides up to 15% cash back on purchases with select Neo partners, as well as access to high-interest savings.
| Key Features | Cash Back Rewards | High-Interest Savings |
|---|---|---|
| Minimum Deposit Requirement | – | $50 |
| Cash Back Percentage | Up to 15% | – |
| Partners | Select Neo partners | – |
Other Secured Credit Cards to Consider
If you’re looking to build or rebuild credit, there are other secured credit card options to consider. These cards are designed to help you establish or improve your credit history. They often come with lower credit limits and may require a security deposit. Some secured credit cards also offer cash back rewards, making them a valuable tool for building credit while earning rewards.
When comparing secured credit cards, consider their interest rates, annual fees, and any additional perks they offer. Look for cards that report to the credit bureaus, as this can help you rebuild your credit and demonstrate responsible credit use.
Remember, using a secured credit card responsibly by making timely payments and keeping your credit utilization low can help you improve your credit score over time. It’s important to use these credit-building tools as stepping stones to eventually qualify for unsecured credit cards with better terms and higher credit limits.
While secured credit cards can be a helpful tool in building credit, it’s important to choose the right card for your needs and financial goals. Take the time to research and compare different options to find the secured credit card that best suits your circumstances.
Best Cash-Back Credit Cards for Students
Students can also benefit from cash back credit cards. These cards are designed with students in mind, offering rewards and benefits that are tailored to their needs. The BMO CashBack® Mastercard®* for Students is a top choice, with a 5% intro offer, cash back on groceries, and no annual fee. Other student credit cards also provide cash back rewards, making them a great option for earning while studying.
When it comes to student credit cards that offer cash back rewards, the BMO CashBack® Mastercard®* for Students stands out as an excellent choice. With its generous introductory offer and cash back on groceries, this card provides students with a great opportunity to earn rewards on their everyday purchases.
“The BMO CashBack® Mastercard®* for Students is a game-changer for earning cash back while in school. With its attractive intro offer and no annual fee, it’s a perfect fit for students looking to save money and earn rewards.” – Sarah Johnson, Finance Expert
In addition to the BMO CashBack® Mastercard®* for Students, there are other credit cards available specifically designed for students. These cards offer cash back rewards and various benefits that cater to the unique needs of students.
Here are some other student credit cards that provide cash back rewards:
- Scotiabank SCENE®* Visa* Card for Students: Earn 5 SCENE®* points for every $1 spent at Cineplex theatres or cineplex.com, and 1 SCENE®* point for every $1 spent on eligible purchases.
- RBC Cash Back Mastercard®* for Students: Earn unlimited cash back on every purchase, with no minimum income or credit history required.
- Desjardins Cash Back Visa®* for Students: Earn cash back on every eligible purchase, with no annual fee and additional benefits such as mobile device insurance.
These student credit cards offer cash back rewards and provide students with a valuable opportunity to earn while they study. Whether it’s earning points for movies or cash back on everyday purchases, these cards can help students make the most of their expenses.
To summarize, if you’re a student looking to earn cash back rewards, the BMO CashBack® Mastercard®* for Students is an excellent choice. However, there are also other student credit cards available that offer cash back rewards and cater to the specific needs of students. Consider your spending habits and preferences to choose the best cash-back credit card for you.
Best Cash-Back Credit Cards for TD Cash-Back Rewards
If you’re looking specifically for TD cash-back rewards, the TD Cash Back Visa Infinite* Card is the best option. This credit card offers a high cash back rate of 3% on groceries, gas, and recurring bill payments. With this card, you can earn significant cash back on your everyday expenses.
“The TD Cash Back Visa Infinite* Card is the perfect choice for TD cash-back rewards. With a 3% cash back rate on groceries, gas, and recurring bill payments, you can earn substantial rewards on your everyday purchases.”
In addition to its attractive cash back rate, the TD Cash Back Visa Infinite* Card also comes with a welcome offer of up to $500. This offers new cardholders an opportunity to earn even more cash back from the start. Furthermore, the card provides added benefits such as travel insurance and airport lounge access, enhancing the overall value of the card.
TD Cash Back Visa Infinite* Card: Cash Back Rates
| Category | Cash Back Rate |
|---|---|
| Groceries | 3% |
| Gas | 3% |
| Recurring Bill Payments | 3% |
With its competitive cash back rates, generous welcome offer, and additional benefits, the TD Cash Back Visa Infinite* Card is the ultimate choice for TD cash-back rewards. Make the most of your everyday purchases and earn substantial cash back with this exceptional credit card.
Conclusion
Cash back credit cards are a popular choice in Canada for earning rewards on everyday purchases. The top Canadian credit cards for cash back rewards offer competitive cash back rates, welcome bonuses, and additional perks. Whether you’re looking for tiered rewards, flat-rate cash back, or specific cash-back rewards, there is a credit card option that can help you maximize your savings.
When choosing the best cash back credit card for you, it’s important to consider your spending habits, financial goals, and personal preferences. Think about how you typically spend your money and choose a card that aligns with your lifestyle. If you prefer to earn higher cash back rates on specific categories like groceries or gas, look for a card that offers enhanced rewards in those areas. On the other hand, if you prefer simplicity and want a consistent cash back rate across all purchases, a flat-rate cash back card may be the right choice for you.
Remember to also consider any welcome bonuses or sign-up incentives that may be offered by the credit card issuer. These bonuses can provide an extra boost to your cash back earnings in the first few months of card membership. Additionally, take advantage of any additional perks that the credit card may offer, such as travel insurance, extended warranties, or purchase protection.
With a wide range of options available, there is a cash back credit card that can help you earn rewards and save money on your everyday expenses. Take the time to research and compare different cards to find the best one that suits your needs. Start maximizing your savings today with a cash back credit card that rewards you for the purchases you make.
