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 |
Purchases19.80%1 |
Cash Advances19.80%2 |
Balance Transfers19.80%3 |
- Earn cash rewards and pay no annual fee!
- Earn 1% cash rewards on all net purchases
- Get 25% extra cash rewards every year
- No limit to the amount of cash you can earn
- Annual interest rate of Prime +16.8%
Notes:
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
Capital One® Aspire Cash™ World MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.80%1 |
Cash Advances19.80%2 |
Balance Transfers19.80%3 |
- Earn 50% extra cash rewards every year and pay no annual fee!
- Earn 1% cash rewards on all purchases
- No annual fee
- Annual interest rate of Prime +16.8%
Please Note: A requirement of this card is a minimum personal income of $60,000 or household income of $100,000.
Notes:
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
- This is a variable rate of Prime + 16.8%, currently equal to 19.8%
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 |
- 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
- no annual fee and free additional cards
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:
L’earn® VISA* card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances21.99% |
Balance Transfers21.99% |
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
- VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.
Scotia Momentum® No-Fee VISA* Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances21.99% |
Balance Transfers21.99% |
Cash back on everyday spending
- 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
Scotiabank Momentum VISA® Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$39 |
Purchases19.99% |
Cash Advances21.99% |
Balance Transfers21.99% |
Cash back on everyday spending
- 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
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 World MasterCard®* 
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Interest on: |
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|---|---|---|---|
Annual Fee$79 |
Purchases19.90% |
Cash Advances19.90% |
Balance Transfers19.90% |
- An annual rebate to your credit card: $1.25 cash back for every $100 spent on your card
- FREE roadside assistance, including battery boosts, flat-tire change, lock-out service and towing (a $69/year value)
- BMO World MasterCard Travel Protection: Includes coverage for car rental collision damage, plus flight delay and baggage insurance
- Free extended warranty and purchase protection
Minimum $60,000 (individual) or $100,000 (household) income required.
BMO® SPC®‡ CashBack MasterCard®* 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90% |
Cash Advances19.90% |
Balance Transfers19.90% |
- 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
BMO®* CashBack MasterCard®* 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90% |
Cash Advances19.90% |
Balance Transfers19.90% |
- An annual rebate to your credit card: $1 cash back for every $200 spent on your card
- Free extended warranty and purchase protection
- No annual fee, 19.9% interest rate
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: |
|||
|---|---|---|---|
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:
Shell®†† CashBack MasterCard®* from BMO® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90% |
Cash Advances19.90% |
Balance Transfers19.90% |
- 1.5¢ CashBack for every dollar you spend on purchases at Shell locations in Canada and at National Car Rental®†† and Alamo Rent A Car®** locations worldwide
- 0.5¢ CashBack on every dollar you spend on purchases everywhere else
- No Annual Fee
Shell®†† CashBack World MasterCard®* from BMO® 
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Interest on: |
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|---|---|---|---|
Annual Fee$79 |
Purchases19.90% |
Cash Advances19.90% |
Balance Transfers19.90% |
- BONUS $25 CashBack credit to your MasterCard account after your first purchase.
- 3¢ CashBack for every dollar spend on purchases at Shell locations in Canada and at National Car Rental®†† and Alamo Rent A Car®** locations worldwide.
- 1.25¢ CashBack for every dollar spend on purchases everywhere else. That's a $1.25 back for every $100 in card purchases.
- FREE BMO World MasterCard Travel Protection including Car Rental Collision Damage Waiver, PLUS Flight Delay & Baggage Insurance.
- FREE roadside assistance program ($69/year value)
Minimum $60,000 (individual) or $100,000 (household) income required.
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

