Cash Back Credit Cards

You'll get money back with every purchase by using the following Cash Back Credit Cards. You can apply for these Cash Back credit cards online by following the Apply Now link. All of these cards are available in Canada.

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Capital One® Aspire Cash™ Platinum MasterCard® Apply Now

Capital One® Aspire Cash™ Platinum MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.80%1

Cash Advances

19.80%2

Balance Transfers

19.80%3

  • Earn cash rewards and pay no annual fee!
  • Earn 1% cash rewards on all net purchases
  • No limit to the amount of cash you can earn
  • Annual interest rate of Prime +16.8%

Notes:
  1. This is a variable rate of Prime + 16.8%, currently equal to 19.8%
  2. This is a variable rate of Prime + 16.8%, currently equal to 19.8%
  3. This is a variable rate of Prime + 16.8%, currently equal to 19.8%

MBNA Rewards World Elite MasterCard Credit Card Apply Now

MBNA Rewards World Elite MasterCard Credit Card

Interest on:

Annual Fee

$89

Purchases

19.99%

Cash Advances

24.99%

Balance Transfers

21.99%

  • 2 mbna rewards points for every $1 in eligible purchases‡
  • 10,000 bonus points†† with first eligible purchase
  • $89 annual fee (waived for the first year)
  • No limit to the points that can be earned in a year, points don't expire
  • Excellent redemption value
  • World Elite Benefits

MBNA Smart Cash MasterCard® Credit Card Apply Now

MBNA Smart Cash MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

24.99%

Balance Transfers

1.99%1

Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡

  • Up to 2% cash back on eligible gas and grocery purchases thereafter‡
  • And, up to 1% cash back on all of your other eligible purchases‡
  • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
  • Enjoy free online access to your credit card account
  • And, with no annual fee and free additional cards you’ll start to see the benefits right away.

  • Rewarding yourself is easy. Once your cash back totals at least $50 at the end of a monthly billing cycle, we'll automatically mail you a cheque‡ - it's that simple.

Notes:
  1. For the first 10 billing cycles, 21.99% thereafter.
More information about the MBNA Smart Cash MasterCard® Credit Card

RBC® Cash Back MasterCard Apply Now

RBC® Cash Back MasterCard

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

0.00%1

  • Earn 2% cash back credits on grocery store purchases
  • Earn up to 1% cash back credits on all other purchases
  • Flexibility in redeeming your cash back credits

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® Cash Back MasterCard

American Express® Gold Credit Card with Cash Back Apply Now

American Express® Gold Credit Card with Cash Back

Interest on:

Annual Fee

$99

Purchases

19.99%

Cash Advances

21.99%

Balance Transfers

21.99%

  • Earn up to 2% cash back on annual purchases (up to $100,000, 1% thereafter)
  • On the first $2,500 charged to your Card, you can earn 0.5% cash back
  • On the next $2,500 charged to your Card, you can earn 1.0% cash back
  • On annual purchases over $5,000 up to and including $100,000 charged to your Card, you can earn 2.0% cash back
  • For any amount over $100,000, you can earn 1.0% cash back
  • Share many of the benefits with Supplementary Cards and increase your potential cash back
  • Buyer’s Assurance® Protection Plan and Purchase Protection® Plan
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.

Conditions Apply.

L’earn® VISA* card Apply Now

L’earn® VISA* card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

21.99%

Balance Transfers

21.99%

Accelerated Moneyback reward program designed with students in mind

  • Earn up to 1% Moneyback every year on the purchases you've made with your card
  • 20% discount rates at Avis Car Rental

More information about the L’earn® VISA* card

Scotia Momentum® No-Fee VISA* Card Apply Now

Scotia Momentum® No-Fee VISA* Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

21.99%

Balance Transfers

21.99%


Cash back on everyday spending.

1.99% interest rate on cash advances and balance transfers for the first six months for accounts opened by June 30, 2014

  • 1% on eligible gas station, grocery store and drug store purchases and recurring bills
  • 0.5% cash back on all other eligible purchases
  • 20% AVIS rental card discount

More information about the Scotia Momentum® No-Fee VISA* Card

Scotiabank Momentum VISA® Card Apply Now

Scotiabank Momentum VISA® Card

Interest on:

Annual Fee

$39

Purchases

19.99%

Cash Advances

21.99%

Balance Transfers

21.99%


Cash back on everyday spending.

1.99% interest rate on cash advances and balance transfers for the first six months for accounts opened by June 30,2014

  • 2% on eligible gas station, grocery store and drug store purchases and recurring bills
  • 1% cash back on all other eligible purchases
  • Purchase security and extended warranty protection
  • 20% AVIS rental card discount

More information about the Scotiabank Momentum VISA® Card

BMO® SPC®‡ CashBack MasterCard®* Apply Now

BMO® SPC®‡ CashBack MasterCard®*

Interest on:

Annual Fee

$0

Purchases

19.90%

Cash Advances

19.90%

Balance Transfers

19.90%

  • CashBack: An annual rebate to your credit card: $1 cash back for every $200 spent on your card
  • SPC (Student Price Card Ltd.) discounts of 10% to 15% at hundreds of your favourite stores
  • Plus, all SPC benefits are included for FREE every year
  • NO ANNUAL FEE

More information about the BMO® SPC®‡ CashBack MasterCard®*

Canadian Tire Cash Advantage MasterCard® Apply Now

Canadian Tire Cash Advantage MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.99%1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Earn up to 1.5% cash back on all your eligible purchases
  • Earn up to 3% cash back at Canadian Tire stores, Canadian Tire gas bars and Mark’s Work Wearhouse/L’Équipeur stores
  • Get unlimited cash back with no annual fee
  • Get your cash back automatically applied to your account every year

Notes:
  1. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
More information about the Canadian Tire Cash Advantage MasterCard®

Canadian Tire Curve™ MasterCard® Apply Now

Canadian Tire Curve™ MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.50%1

Cash Advances

n/a2

Balance Transfers

n/a3

  • Get up to 1.5% cash back everywhere you shop (0.25% on the first $1,500, 0.50% between $1,500 and $3,000, 1.0% between $3,000 and $24,000, and 1.5% above $24,000)
  • Get up to 3% cash back at Canadian Tire stores, Canadian Tire gas bars and Mark’s Work Wearhouse/L’Équipeur stores
  • Earn unlimited Cash on the Curve rewards that never expire
  • Enjoy automatic redemption as an annual credit to your Curve MasterCard account or call to redeem anytime

Notes:
  1. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
  2. Interest rate not mentioned on website.
  3. Interest rate not mentioned on website.
More information about the Canadian Tire Curve™ MasterCard®

CIBC Dividend Card Apply Now

CIBC Dividend Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Earn up to 1% cash back on net purchases you make with your card
  • Purchase Security and Extended Protection Insurance - Protect your personal purchases with automatic coverage for replacement, repairs or reimbursement on most purchases when charged to your card
  • CIBC CreditSmart®, a revolutionary array of smart credit management features

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
More information about the CIBC Dividend Card

CIBC Dividend Platinum® Card Apply Now

CIBC Dividend Platinum® Card

Interest on:

Annual Fee

$79

Purchases

19.99%

Cash Advances

n/a1

Balance Transfers

n/a2

  • Earn up to 2% in cash dividends, up to $735 annually
  • CIBC CreditSmart™ - enjoy smart, customized tools and innovative services that will help you better organize and manage your credit card spending

Notes:
  1. Interest rate not mentioned on website.
  2. Interest rate not mentioned on website.
More information about the CIBC Dividend Platinum® Card

CIBC Dividend Unlimited™ World MasterCard™ Card Apply Now

CIBC Dividend Unlimited™ World MasterCard™ Card

Interest on:

Annual Fee

$79

Purchases

19.99%

Cash Advances

21.50%

Balance Transfers

21.50%

  • Earn up to 2% cash back, with no limit to what you can earn
  • Earn an additional 2% cash back (on top of your regular cash back) at participating CIBC Bonus Rewards restaurants, hotels, inns, spas, retailers and golf courses
  • Earn an additional 3% cash back at select high-end restaurants
  • Comprehensive purchase and travel protection

Desjardins VISA® - Platinum Apply Now

Desjardins VISA® - Platinum

Interest on:

Annual Fee

$169

Purchases

9.90%

Cash Advances

9.90%

Balance Transfers

9.90%

  • Up to 2% of your purchases in BONUSDOLLARS
  • Annual cashback of 1% on your purchases
  • Comprehensive travel insurance
  • Accord D Desjardins financing, a second, separate credit limit
  • Cash advances up to $5,000 a day, anywhere in the world

More information about the Desjardins VISA® - Platinum

HSBC Gold MasterCard® Apply Now

HSBC Gold MasterCard®

Interest on:

Annual Fee

$60

Purchases

19.90%1

Cash Advances

19.90%

Balance Transfers

n/a2

  • Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
  • Insurance & Assistance Features: Purchase Assurance® and Extended Warranty Insurance, Car Rental Insurance, Trip Insurance and Assistance, Legal Assistance, Roadside Assistance

Notes:
  1. Low annual interest rate option of 12.9% for $85 per year (not applicable in Quebec).
  2. Interest rate not mentioned on website.
More information about the HSBC Gold MasterCard®

HSBC MasterCard® Apply Now

HSBC MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.90%1

Cash Advances

19.90%

Balance Transfers

n/a2

  • Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
  • Extended Warranty Insurance - doubles manufacturer’s warranty up to one additional year

Notes:
  1. Low annual interest rate option of 12.9% for $25 per year (not applicable in Quebec).
  2. Interest rate not mentioned on website.
More information about the HSBC MasterCard®

National Bank of Canada MasterCard® Ultramar Credit Card Apply Now

National Bank of Canada MasterCard® Ultramar Credit Card

Interest on:

Annual Fee

$0

Purchases

19.90%1

Cash Advances

19.90%2

Balance Transfers

19.90%3

  • Get up to 2.5% back on purchases at Ultramar or HomEnergy
  • Get up to 1.25% back on all purchases made elsewhere
  • If the total Ultramar purchases charged to your card during the year amount to $2,500 or more, you will also receive an additional annual rebate of 0.5%
  • Maximum annual rebate for all purchases is $250

Notes:
  1. Low annual interest rate option of 14.5% for $15 per year.
  2. Low annual interest rate option of 11.5% for $15 per year.
  3. Low annual interest rate option of 11.5% for $15 per year.

RBC® Cash Back Visa Apply Now

RBC®  Cash Back Visa

Interest on:

Annual Fee

$19

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

0.00%1

  • Earn 1% cash back on everyday purchases
  • No charge for co-applicants or authorized users

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® Cash Back Visa

RBC® Business Cash Back MasterCard Apply Now

RBC® Business Cash Back MasterCard

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

0.00%1

  • Earn 2% cash back on all your purchases for the first three months when your account is opened before October 31, 2012
  • Earn 1% cash back on all purchases thereafter
  • Flexibility in redeeming your cash back credits

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® Business Cash Back MasterCard

TD Gold Elite VISA® Card Apply Now

TD Gold Elite VISA® Card

Interest on:

Annual Fee

$99

Purchases

19.99%

Cash Advances

21.50%

Balance Transfers

21.50%

  • Earn 1% Cash Rebate on net purchases charged to your card and all supplementary cards
  • Exclusive Deluxe TD Auto Club Benefits

TD Rebate Rewards VISA® Card Apply Now

TD Rebate Rewards VISA® Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

21.50%

Balance Transfers

21.50%

  • Earn 0.5% cash reward on the first $3,000 in net annual purchases
  • Earn 1% cash reward on your net annual purchases over $3,000 (to a maximum annual purchase limit of $25,000)
  • Cash reward will be credited directly to your TD Rebate Rewards Visa Account at the beginning of each year

More information about the TD Rebate Rewards VISA® Card
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