Compare Cash Back Credit Cards in Canada

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Your Estimated Net Annual Rewards The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)
Sign Up Cash Value The actual cash value of the points given by the issuer when signing-up for a new card. Different conditions apply.
Annual Fees The amount of money charged to you each year to use the card
Purchase Interest Rate The annualized interest rate your credit card balance will be charged for purchases made with your card
Cash Advance Interest Rate Interest rate charged when taking out cash with your credit card
Min Personal Income Required Minimum personal income required to be eligible for approval for the card when you apply.
Recommended Credit Score Minimum Credit Score required to be eligible for approval for the card when you apply.
Estimate your monthly spending
Gas /Mo
Grocery /Mo
Dining /Mo
Drug /Mo
Airfare /Mo
Hotel /Mo
Other /Mo
Total /Mo
How long will you have the card? Years
Your projected balance 3000
Current interest rate 19%
Minimum payment 1%
Fixed monthly payment 30
Your Transfer Amount 7500
Current interest rate 19%
Minimum payment 1%
Fixed monthly payment 75
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A Cash back credit card is great if you’re looking for a rewards credit card that offers clarity and simplicity. Spend $10,000 on your cashback card, earn 1% back, and you’ll receive $100 from your bank. Simple, clear, transparent. Cash back cards have been the fasting growing rewards category in Canada.

There are banks that offer cash back credit cards with a higher rebate when you spend in specific merchant categories. For example, earn 5% cashback on gas & groceries, 1% everywhere else. Category multipliers are a great way to maximize your everyday spend for things like gas and groceries. They can also be great when you match them up with loyalty cards. For example, use your Esso Extra card to fill up for gas and then a cashback credit card offering 5% back on gas and you could earn 6-7% back at the pump!

You also might want to consider how you prefer having your cashback credited to you. Some cash back credit card programs issue you a check in the mail when you reach $50 owing. Others redeem your cash back at the end of the year to your account.

Get your new Canadian cash back credit card today! You can consult with our 2018 rankings for best cash back credit cards in Canada.

If you want to continue exploring other types of credit cards, go back to our homepage and use our engine to compare Canadian credit cards to your hearts content!