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

16.80%1

Cash Advances

16.80%2

Balance Transfers

16.80%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:
  1. +Prime
  2. +Prime
  3. +Prime

Capital One® Aspire Cash™ World MasterCard® Apply Now

Capital One® Aspire Cash™ World MasterCard®

Interest on:

Annual Fee

$0

Purchases

16.80%1

Cash Advances

16.80%2

Balance Transfers

16.80%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:
  1. +Prime
  2. +Prime
  3. +Prime

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

MBNA Smart Cash Platinum Plus® MasterCard Credit Card Apply Now

MBNA Smart Cash Platinum Plus® MasterCard Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

1.99%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:
  1. For the first 10 billing cycles, 19.99% thereafter.

Capital One® SmartLine™ Platinum MasterCard Apply Now

Capital One® SmartLine™ Platinum MasterCard

Interest on:

Annual Fee

$0

Purchases

5.99%1

Cash Advances

19.80%

Balance Transfers

5.99%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:
  1. For 3 years.
  2. For 3 years.

American Express® Business Card Apply Now

American Express® Business Card

Interest on:

Annual Fee

$0

Purchases

19.99%1

Cash Advances

19.99%2

Balance Transfers

0.00%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:
  1. Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
  2. Rate may increase to 21.99% or 25.99% depending on Account Payment Record.
  3. Interest rate not mentioned on website.
More information about the American Express® Business Card

BMO CashBack MasterCard Apply Now

BMO CashBack MasterCard

Interest on:

Annual Fee

$0

Purchases

19.50%1

Cash Advances

19.50%

Balance Transfers

19.50%

  • 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:
  1. Low 11.9% interest rate available for an additional $35 per year.
More information about the BMO CashBack MasterCard

BMO CashBack MasterCard for Business Apply Now

BMO CashBack MasterCard for Business

Interest on:

Annual Fee

$01

Purchases

19.50%2

Cash Advances

19.50%3

Balance Transfers

19.50%

  • 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:
  1. $60 annual fee for Premium.
  2. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
  3. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
More information about the BMO CashBack MasterCard for Business

BMO Premium CashBack MasterCard Apply Now

BMO Premium CashBack MasterCard

Interest on:

Annual Fee

$49

Purchases

19.50%1

Cash Advances

19.50%

Balance Transfers

19.50%

  • 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:
  1. Low 11.9% interest rate available for an additional $35 per year.
More information about the BMO Premium CashBack MasterCard

BMO SPC Mosaik MasterCard® Apply Now

BMO SPC Mosaik MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.50%1

Cash Advances

19.50%

Balance Transfers

19.50%

  • 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:
  1. Low 11.9% interest rate available for an additional $35 per year.
More information about the BMO SPC Mosaik 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

19.50%

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

19.50%

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

Scotiabank L'earn VISA® Card for Students Apply Now

Scotiabank L'earn VISA® Card for Students

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

21.99%

Balance Transfers

21.99%

  • 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

More information about the Scotiabank L'earn VISA® Card for Students

Scotiabank Momentum VISA® Card Apply Now

Scotiabank Momentum VISA® Card

Interest on:

Annual Fee

$39

Purchases

19.99%

Cash Advances

1.99%1

Balance Transfers

1.99%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:
  1. For the first 6 months, 21.99% thereafter.
  2. For the first 6 months, 21.99% thereafter.
More information about the Scotiabank Momentum VISA® Card

Scotiabank No-Fee Moneyback VISA® Card Apply Now

Scotiabank No-Fee Moneyback VISA® Card

Interest on:

Annual Fee

$0

Purchases

7.99%1

Cash Advances

21.99%

Balance Transfers

21.99%

  • 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:
  1. For the first 6 months, 19.99% thereafter.
More information about the Scotiabank No-Fee Moneyback VISA® Card

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
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