Featured Credit Cards
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.
Detailed view | Quick comparison table
Sort results by: Name | Annual Fee | Purchases | Cash Advances | Balance Transfers
Capital One® Aspire Cash™ Platinum MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases16.80%1 |
Cash Advances16.80%2 |
Balance Transfers16.80%3 |
- Earn cash rewards and pay no annual fee!
- 1% cash rewards on all net purchases
- 25% extra cash rewards every year
- $50 bonus cash reward on your first purchase
- No limit to the amount of cash you can earn
- Add an authorized user for $0, and earn even more cash
- Valuable Platinum benefits including Purchase Assurance and Extended Warranty
Notes:
Capital One® Aspire Cash™ World MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases16.80%1 |
Cash Advances16.80%2 |
Balance Transfers16.80%3 |
- Earn 1% cash rewards on all purchases
- Earn 50% extra cash rewards every year
- Receive a $100 bonus cash reward on your first purchase
- No limit to the amount of cash you can earn
- Add an authorized user for $0, and earn even more cash
- Valuable World MasterCard benefits including Purchase Assurance and Extended Warranty
Notes:
RBC® Cash Back MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfers0.00%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:
MBNA Smart Cash Platinum Plus® MasterCard Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfers1.99%1 |
- Earn 5% cash back on net gas and grocery purchases for the first 6 months
- Earn 3% cash back on net gas and grocery purchases thereafter
- Earn 1% cash back on all other qualifying net retail purchases
- Receive 1.99% introductory annual interest rate on balance transfers and cheque cash advances for 10 full months
- Receive a cheque from us automatically once your cash back totals at least $50 at the end of a monthly billing cycle
Notes:
Capital One® SmartLine™ Platinum MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases5.99%1 |
Cash Advances19.80% |
Balance Transfers5.99%2 |
- No annual fee, annual interest rate for cash advances is 19.8%
- Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
- After 3 years, your rate will become a variable rate of Prime +4.99% on purchases and balance transfers
- Save money when you transfer high-interest debt with our no-fee balance transfer service
Notes:
American Express® Business Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99%1 |
Cash Advances19.99%2 |
Balance Transfers0.00%3 |
- No-fee, cash rebate credit card for all your business purchases
- Earn a cash rebate of up to $1,250 each year - depending on your spending and the number of months you carry a balance
Notes:
- Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
- Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
- Interest rate not mentioned on website.
BMO CashBack MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50% |
Balance Transfers19.50% |
- Earn 0.5% CashBack on every card purchase
- Earn 1.5% CashBack at Shell, National Car Rental & Alamo Rent A Car
- Up to 25% rental discount at National Car Rental & Alamo Rent A Car
- Get an affinity card that supports your cause
Notes:
BMO CashBack MasterCard for Business 
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Interest on: |
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|---|---|---|---|
Annual Fee$01 |
Purchases19.50%2 |
Cash Advances19.50%3 |
Balance Transfers19.50% |
- 2 CashBack reward levels to choose from
- Premium - earn 1% CashBack on card purchases, 3% CashBack at Shell locations in Canada ($60 annual fee for owner card)
- No Fee - earn 0.5% CashBack on card purchases, 1.5% CashBack at Shell locations in Canada (no annual fee for owner card)
- Available in Canadian or U.S. Dollar currency
Notes:
- $60 annual fee for Premium.
- Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
- Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
BMO Premium CashBack MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$49 |
Purchases19.50%1 |
Cash Advances19.50% |
Balance Transfers19.50% |
- Earn 1% CashBack on every card purchase
- Earn 3% CashBack at Shell, National Car Rental & Alamo Rent A Car
- Free BMO Roadside Assistance includes battery boosts, flat tire change, lock-out service and towing
- Up to 25% rental discount at National Car Rental & Alamo Rent A Car
- Get an affinity card that supports your cause
Notes:
BMO SPC Mosaik MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50% |
Balance Transfers19.50% |
- Customize your credit card to suit your lifestyle as a student
- Enjoy exclusive discounts at thousands of SPC Card retailers nationwide for NO ADDED FEE
- One time SPC Card registration – no need to renew
- Earn added Rewards with AIR MILES® reward miles or CashBack®
Notes:
Canadian Tire Cash Advantage MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99%1 |
Cash Advancesn/a2 |
Balance Transfersn/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:
- 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%.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
Canadian Tire Curve™ MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advancesn/a2 |
Balance Transfersn/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:
- 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%.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
CIBC Dividend Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50% |
Cash Advancesn/a1 |
Balance Transfersn/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:
CIBC Dividend Platinum® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$79 |
Purchases19.50% |
Cash Advancesn/a1 |
Balance Transfersn/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:
CIBC Dividend Unlimited™ World MasterCard™ Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$79 |
Purchases19.99% |
Cash Advances21.50% |
Balance Transfers21.50% |
- 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 
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Interest on: |
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|---|---|---|---|
Annual Fee$169 |
Purchases9.90% |
Cash Advances9.90% |
Balance Transfers9.90% |
- 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
HSBC Gold MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$60 |
Purchases19.90%1 |
Cash Advances19.90% |
Balance Transfersn/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:
- Low annual interest rate option of 12.9% for $85 per year (not applicable in Quebec).
- Interest rate not mentioned on website.
HSBC MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90%1 |
Cash Advances19.90% |
Balance Transfersn/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:
- Low annual interest rate option of 12.9% for $25 per year (not applicable in Quebec).
- Interest rate not mentioned on website.
National Bank of Canada MasterCard® Ultramar Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90%1 |
Cash Advances19.90%2 |
Balance Transfers19.90%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:
- Low annual interest rate option of 14.5% for $15 per year.
- Low annual interest rate option of 11.5% for $15 per year.
- Low annual interest rate option of 11.5% for $15 per year.
RBC® Cash Back Visa 
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Interest on: |
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|---|---|---|---|
Annual Fee$19 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfers0.00%1 |
- Earn 1% cash back on everyday purchases
- No charge for co-applicants or authorized users
Notes:
RBC® Business Cash Back MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfers0.00%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:
Scotiabank L'earn VISA® Card for Students 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances21.99% |
Balance Transfers21.99% |
- Earn up to a 1% Moneyback reward every year on the purchases
- Credit limit of $500 to $2,000
- Secured VISA option is available for Canadian citizens, landed immigrants, and foreign students
- Visa payWave for speed, convenience, and security when paying for small, everyday purchases
Scotiabank Momentum VISA® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$39 |
Purchases19.99% |
Cash Advances1.99%1 |
Balance Transfers1.99%2 |
- 1.99% introductory interest rate on cash advances, balance transfers and Scotia® VISA cheques
- 2% cash back on all eligible gas, groceries, recurring payments and drug store purchases on transactions appearing on your first three statements
- 1% cash back on all other eligible purchases
- Visa payWave for speed, convenience, and security when paying for small, everyday purchases
Notes:
Scotiabank No-Fee Moneyback VISA® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases7.99%1 |
Cash Advances21.99% |
Balance Transfers21.99% |
- 7.99% introductory interest rate on purchases for the first six months
- Earn up to 1% Moneyback reward every year on the purchases you've made with your card
- Visa payWave for speed, convenience, and security when paying for small, everyday purchases
Notes:
TD Gold Elite VISA® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$99 |
Purchases19.99% |
Cash Advances21.50% |
Balance Transfers21.50% |
- Earn 1% Cash Rebate on net purchases charged to your card and all supplementary cards
- Exclusive Deluxe TD Auto Club Benefits



