Canada · October 2026
Best cash back credit cards in Canada
Cards that pay straight cash back, ranked by estimated net annual value on our reference spending. All amounts are in Canadian dollars.
67 cash back cards ranked
Earns 4% cash back on gas and on groceries in Canada (grocery capped at $1,200 cash back a year) and 2% on everything else with no limit.
Earn: base 2% · groceries 4% · gas 4% · everyday 2%
- Annual fee
- $120 ($9.99/month for non-Quebec residents ($119.88/year); $119/year Quebec; no fee for Additional Cards)
- Est. net value / yr
- $696
- Welcome offer
- Up to $200 bonus cash back (extra 10% on up to $2,000 purchases in first 3 months) plus $50 statement credit with a purchase in month 13
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 5% cash back on groceries, 4% on transit, 3% on gas and EV charging, 2% on recurring bills, and 1% on everything else, with no cap.
Earn: base 1% · groceries 5% · gas 3%
- Annual fee
- $139 (Waived in first year; rebated with BMO Premium Chequing)
- Est. net value / yr
- $545
- Welcome offer
- Up to $650 value: $40 cash back monthly when you spend $2,000 in first year, annual fee rebate first year, roadside assistance; 0% balance transfer for 12 months with 2% fee
- Purchase rate
- 21.99%
- Balance transfers
- 0% introductory rate on balance transfers for 12 months with 2% transfer fee
- Foreign transaction fee
- 2.5%
Earn 4% cash back on gas, EV charging and groceries, 2% on transportation, dining, recurring payments and Expedia travel, and 1% on everything else.
Earn: base 1% · groceries 4% · gas 4% · dining 2%
- Annual fee
- $120 (First-year fee rebated with offer)
- Est. net value / yr
- $540
- Welcome offer
- Up to $350 value: 10% cash back welcome bonus up to $200 on first $2,000 in 4 statements, $50 for a pre-authorized payment, first-year fee rebate
- Foreign transaction fee
- 2.5%
Premium cashback card earning 5% on groceries, 4% on recurring bill payments, 3% on gas and EV charging and 1% on everything else.
Earn: base 1% · groceries 5% · gas 3% · everyday 1%
- Annual fee
- $149 ($149 annual fee)
- Est. net value / yr
- $535
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-25.24%)
- Foreign transaction fee
- 3%
Earns 4% on gas and groceries, 2% on pharmacy and utility bills and 1% on other purchases in reward points redeemable as cash back, on the first $25,000 of purchases then 1%.
Earn: base 1% · groceries 4% · gas 4% · everyday 1%
- Annual fee
- $99 (First year free including additional cards; additional cards $30)
- Est. net value / yr
- $525
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Earn up to 4% cash back on groceries, up to 3% on restaurants, 3% on entertainment and alternative transportation, and 1% on other purchases.
Earn: base 1% · groceries 4% · dining 3%
- Annual fee
- $100
- Est. net value / yr
- $524
- Purchase rate
- 20.9%
- Foreign transaction fee
- 2.5%
No-fee card earning 3% cash back on U.S. dollar purchases and 2% on all other eligible purchases with an eligible Rogers service (1.5% without), plus travel insurance and lounge access via Mastercard Travel Pass.
Earn: base 1.5% · everyday 2%
- Annual fee
- $0 ($0 authorized users)
- Est. net value / yr
- $510
- Purchase rate
- 21.99%-25.99%
- Balance transfers
- 22.99%-27.99%
- Foreign transaction fee
- 2.5%
Highest-earning no-fee PC card: 3% back in PC Optimum points at grocery stores and Joe Fresh, 4.5% at Shoppers Drug Mart, at least 3 cents per litre at Esso/Mobil, 1% elsewhere, with built-in insurance.
Earn: base 1% · groceries 3% · dining 1% · everyday 1%
- Annual fee
- $0 (No annual fee; additional cardholders free)
- Est. net value / yr
- $468
- Welcome offer
- Enjoy 50,000 bonus PC Optimum points on application
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
No-fee World Elite card earning 4% back in CT Money at Canadian Tire and partner stores, 7 cents per litre on premium fuel (5 cents other), 3% at grocery stores and 1% elsewhere.
Earn: base 1% · groceries 3% · everyday 1%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $468
- Purchase rate
- 25.99% (21.99% for Quebec residents)
- Foreign transaction fee
- 2.5%
Earns 4 points per $1 (4%) on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining, and 1 on other purchases, redeemable as cash back.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $468
- Welcome offer
- 0% balance transfer 9 months, first-year annual fee rebate and up to 10,000 Flex Rewards welcome points (terms apply)
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Earns 4 points per $1 on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining ($20K caps) and 1 on everything else, with travel insurance.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee)
- Est. net value / yr
- $468
- Welcome offer
- $200 statement credit for new members
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Earns 4 points per $1 (4%) on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining, and 1 on other purchases, redeemable as cash back.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $468
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Earns 4 points per $1 (4%) on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining, and 1 on other purchases, redeemable as cash back.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $468
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Unlimited cash back: 3% on groceries, dining, food delivery, gas, EV charging, rideshare, transit, streaming and gaming, 1% on everything else.
Earn: base 1% · groceries 3% · gas 3% · dining 3%
- Annual fee
- $120 (Additional card $50)
- Est. net value / yr
- $468
- Welcome offer
- 15% extra cash back on first $2,000 spend for 3 months. Apply by Feb 2, 2027
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earns 4 points per $1 (4%) on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining, and 1 on other purchases, redeemable as cash back.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $468
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
No-fee cash back card: 2% on gas and on groceries in Canada (grocery capped at $300 cash back a year) and 1.25% on everything else.
Earn: base 1.25% · groceries 2% · gas 2% · everyday 1.25%
- Annual fee
- $0 (No annual fee; no fee for Additional Cards)
- Est. net value / yr
- $456
- Welcome offer
- Up to $100 bonus cash back (extra 5% on up to $2,000 purchases in first 3 months)
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 4% cash back on groceries and recurring payments, 2% on gas, EV charging, transit and food delivery, and 1% on everything else.
Earn: base 1% · groceries 4% · gas 2%
- Annual fee
- $120 (First-year fee waived with offer; supplementary cards $50)
- Est. net value / yr
- $456
- Welcome offer
- 15% cash back on purchases for first 3 months (up to $2,000 spend); 0% on balance transfers for 12 months; no annual fee first year. Open account Jul 2 to Nov 1, 2026
- Purchase rate
- 20.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- 2.5%
Earn 3% cash back on gas, EV charging and groceries, 2% on transportation, dining, recurring payments and Expedia travel, and 1% on everything else.
Earn: base 1% · groceries 3% · gas 3% · dining 2%
- Annual fee
- $99 (First-year fee rebated with offer)
- Est. net value / yr
- $453
- Welcome offer
- Up to $300 value: 10% cash back welcome bonus up to $200 on first $2,000 in 4 statements, $50 for a pre-authorized payment, first-year fee rebate
- Foreign transaction fee
- 2.5%
Premium cashback card earning a flat 2% on all purchases up to $4,000 a month, then 1%.
Earn: base 2% · everyday 2%
- Annual fee
- $149 ($149 annual fee)
- Est. net value / yr
- $451
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-25.24%)
- Foreign transaction fee
- 3%
Earn up to 3% of purchases in BONUSDOLLARS on groceries and restaurants, 2% on entertainment, transportation and travel, and 1% on other purchases.
Earn: base 1% · groceries 3% · dining 3% · travel 2%
- Annual fee
- $130
- Est. net value / yr
- $446
- Purchase rate
- 20.9%
- Foreign transaction fee
- 2.5%
Premium PC card earning 4% back in PC Optimum points at grocery stores (plus 2% on eligible pickup orders), 5% at Shoppers Drug Mart, 4% at Joe Fresh, up to 7 cents per litre at Esso/Mobil and 1% elsewhere, with a free PC Express Pass.
Earn: base 1% · groceries 4% · dining 1% · everyday 1%
- Annual fee
- $120 (First year annual fee waived; additional cardholders free)
- Est. net value / yr
- $432
- Welcome offer
- No annual fee first year plus $50 in bonus welcome points
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn up to 4% of purchases in BONUSDOLLARS on restaurants, entertainment and alternative transportation, 3% on groceries, up to 3% on travel, and 1.5% on other purchases.
Earn: base 1.5% · groceries 3% · dining 4% · travel 3%
- Annual fee
- $295 ($295 for Desjardins members, $395 for non-members)
- Est. net value / yr
- $425
- Purchase rate
- 11.9%
- Foreign transaction fee
- 2.5%
Earn 3% cash back at restaurants and Costco gas, 2% at other gas stations, EV charging and Costco.ca, and 1% on everything else, with no cap.
Earn: base 1% · gas 3% · dining 3%
- Annual fee
- $0 (Requires Costco membership)
- Est. net value / yr
- $420
- Foreign transaction fee
- 2.5%
Earns 2% cash back on all eligible purchases if you hold an eligible Rogers, Fido, Shaw or Comwave service, otherwise 1%; always 2% on U.S. dollar purchases. Cash back redeems at 1.5x on eligible Rogers purchases (until Nov 18, 2026).
Earn: base 1% · everyday 2%
- Annual fee
- $0 ($0 authorized users)
- Est. net value / yr
- $420
- Purchase rate
- 21.99%-25.99%
- Balance transfers
- 22.99%-27.99%
- Foreign transaction fee
- 2.5%
Earns 2% cash back on all eligible purchases with an eligible Rogers, Fido, Shaw or Comwave service, otherwise 1%; 2% on U.S. dollar purchases.
Earn: base 1% · everyday 2%
- Annual fee
- $0 ($0 authorized users)
- Est. net value / yr
- $420
- Purchase rate
- 21.99%-25.99%
- Balance transfers
- 22.99%-27.99%
- Foreign transaction fee
- 2.5%
No-fee card earning 2% back in PC Optimum points at grocery stores and Joe Fresh, 3.5% at Shoppers Drug Mart and at least 3 cents per litre at Esso and Mobil; 1% elsewhere.
Earn: base 1% · groceries 2% · dining 1% · everyday 1%
- Annual fee
- $0 (No annual fee; additional cardholders free)
- Est. net value / yr
- $384
- Welcome offer
- Enjoy 50,000 bonus PC Optimum points on application
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 4% cash back at restaurants, bars and coffee shops, 1.5% on gas, groceries, drugstores and pre-authorized payments, and 0.5% on everything else, credited annually in January.
Earn: base 0.5% · groceries 1.5% · gas 1.5% · dining 4%
- Annual fee
- $0 (No annual fee for primary and up to 3 additional cards)
- Est. net value / yr
- $384
- Welcome offer
- Up to $100 cash back (up to 20%) in first 3 months on up to $500 of eligible gas, grocery, drugstore and pre-authorized spend
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 3% Cash Back Dollars on groceries, gas and EV charging, public transit, recurring bills and streaming/gaming/media, and 1% on everything else.
Earn: base 1% · groceries 3% · gas 3%
- Annual fee
- $139 (Additional cardholder $50 for first, $0 for subsequent; first-year fee rebated with offer; annual rebate with TD All-Inclusive Banking Plan)
- Est. net value / yr
- $377
- Welcome offer
- Up to $600 total value: 10% Cash Back Dollars in first 3 months on bonus-eligible purchases up to $3,500 spend, plus first-year annual fee rebate
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Cash back card with 5% on gas and groceries for the first 6 months, then 2% (up to $500 a month), and 1% on everything else.
Earn: base 1% · groceries 2% · gas 2% · everyday 1%
- Annual fee
- $39 (Up to 9 authorized users with no additional fee)
- Est. net value / yr
- $369
- Welcome offer
- 5% cash back on gas and groceries for first 6 months (up to $500 monthly)
- Purchase rate
- 21.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
Earn 3% cash back on groceries, 1% on recurring bill payments, and 0.5% on all other purchases.
Earn: base 0.5% · groceries 3%
- Annual fee
- $0
- Est. net value / yr
- $360
- Welcome offer
- Up to 5% cash back in first 3 months and 0.99% balance transfer rate for 9 months with 2% fee
- Purchase rate
- 21.99%
- Balance transfers
- 0.99% introductory rate on balance transfers for 9 months with 2% transfer fee
- Foreign transaction fee
- 2.5%
Earn 3% cash back on groceries, 1% on recurring payments, and 0.5% on all other purchases.
Earn: base 0.5% · groceries 3%
- Annual fee
- $0
- Est. net value / yr
- $360
- Welcome offer
- 5% cash back in first 3 months
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earns 2% on gas and groceries and on pharmacy and utility bills, and 1% on other purchases as reward points redeemable as cash back.
Earn: base 1% · groceries 2% · gas 2% · everyday 1%
- Annual fee
- $49 (First year free; additional cards $0)
- Est. net value / yr
- $359
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Earn 2% cash back on groceries, food delivery, drugstores, gas, EV charging, transit, recurring bills and subscriptions, and 1% on everything else.
Earn: base 1% · groceries 2% · gas 2%
- Annual fee
- $49 (Supplementary cards $15)
- Est. net value / yr
- $359
- Purchase rate
- 20.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- 2.5%
Earn 2% cash back on groceries, food delivery, drugstores, gas, EV charging, transit, recurring bills and subscriptions, and 1% on everything else.
Earn: base 1% · groceries 2% · gas 2%
- Annual fee
- $49 (Supplementary cards $15)
- Est. net value / yr
- $359
- Purchase rate
- 20.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- 2.5%
No-fee cash back card: 5% on gas and groceries for the first 6 months, then 2% (on up to $500 a month), and 0.5% on everything else.
Earn: base 0.5% · groceries 2% · gas 2% · everyday 0.5%
- Annual fee
- $0 (Up to 9 authorized users with no additional fee)
- Est. net value / yr
- $312
- Welcome offer
- 5% cash back on gas and groceries for first 6 months (up to $500 monthly)
- Purchase rate
- 21.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
No-fee World Mastercard earning 2% cashback on groceries, recurring bill payments, and gas and EV charging, and 0.5% on everything else.
Earn: base 0.5% · groceries 2% · gas 2% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $312
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-24.50%)
- Foreign transaction fee
- 3%
Earn 2% cash back on groceries, 1% on gas, EV charging, transportation, dining and recurring payments, and 0.5% on everything else.
Earn: base 0.5% · groceries 2% · gas 1% · dining 1%
- Annual fee
- $0
- Est. net value / yr
- $306
- Foreign transaction fee
- 2.5%
Earns 2.5% back at Amazon.ca and Whole Foods Market for eligible Prime members (1.5% for non-Prime) and 1% everywhere else.
Earn: base 1% · everyday 1%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $300
- Welcome offer
- 5% back at Amazon.ca, Whole Foods Market, grocery stores and restaurants for first 6 months on first $3,000
- Purchase rate
- 21.74%
- Balance transfers
- 22.99%
- Foreign transaction fee
- 2.5%
No-fee World Mastercard earning a flat 1% cashback on all purchases.
Earn: base 1% · everyday 1%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $300
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-24.50%)
- Foreign transaction fee
- 3%
No-fee card earning 1% back in PC Optimum points at grocery stores and everywhere else, 2.5% at Shoppers Drug Mart and at least 3 cents per litre at Esso and Mobil.
Earn: base 1% · groceries 1% · dining 1% · everyday 1%
- Annual fee
- $0 (No annual fee; additional cardholders free)
- Est. net value / yr
- $300
- Welcome offer
- Enjoy 50,000 bonus PC Optimum points on application
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
No-fee card earning 3% in Walmart Reward Dollars at Walmart stores and Walmart.ca and 1% everywhere else, with 3 free months of Walmart+ each year.
Earn: base 1% · everyday 1%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $300
- Welcome offer
- $25 Walmart Reward Dollars after a single purchase of $75+ at Walmart within first 30 days
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
No-fee World card earning 3% in Walmart Reward Dollars at Walmart and 1% elsewhere, with 6 free months of Walmart+ each year plus purchase assurance and extended warranty.
Earn: base 1% · everyday 1%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $300
- Welcome offer
- $25 Walmart Reward Dollars after a single purchase of $75+ at Walmart within first 30 days
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Premium cashback card earning 5% on food and drink, 3% on shopping and 1% on everything else, with comprehensive travel insurance and lounge access via Mastercard Travel Pass.
Earn: base 1% · dining 5% · everyday 1%
- Annual fee
- $149 ($149 annual fee)
- Est. net value / yr
- $295
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-25.24%)
- Foreign transaction fee
- 3%
Earn 2% cash back on groceries, 1% on gas, EV charging, transportation, recurring payments and Expedia travel, and 0.5% on everything else.
Earn: base 0.5% · groceries 2% · gas 1%
- Annual fee
- $0
- Est. net value / yr
- $288
- Welcome offer
- Up to $125 cash back: $25 after first purchase plus 10% bonus up to $100 on first $1,000 in 4 statements
- Foreign transaction fee
- 2.5%
Unlimited cash back: 2% on groceries, 1% on gas, EV charging, rideshare and transit, 0.5% on everything else.
Earn: base 0.5% · groceries 2% · gas 1%
- Annual fee
- $0 (Additional card $0)
- Est. net value / yr
- $288
- Welcome offer
- 5% extra cash back on first $2,000 spend for 6 months. Apply by Feb 2, 2027
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
No-fee card earning 4% back in CT Money at Canadian Tire and partner stores, 5 cents per litre at Gas+ and Petro-Canada, 1.5% at grocery stores and 0.5% elsewhere.
Earn: base 0.5% · groceries 1.5% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $234
- Purchase rate
- 25.99% (21.99% for Quebec residents)
- Foreign transaction fee
- 2.5%
No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.
Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $204
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Earn up to 2% of purchases in BONUSDOLLARS on restaurants, entertainment, alternative transportation and pre-authorized payments, and 0.5% on other purchases; 1 BONUSDOLLAR = $1.
Earn: base 0.5% · dining 2%
- Annual fee
- $0
- Est. net value / yr
- $204
- Purchase rate
- 20.9%
- Foreign transaction fee
- 2.5%
Earn up to 2% cash back on restaurants, entertainment, alternative transportation and pre-authorized payments, and 0.5% on other purchases.
Earn: base 0.5% · dining 2%
- Annual fee
- $0
- Est. net value / yr
- $204
- Purchase rate
- 20.9%
- Foreign transaction fee
- 2.5%
Earn up to 2% cash back on restaurants, entertainment, alternative transportation and pre-authorized payments, and 0.5% on other purchases.
Earn: base 0.5% · dining 2%
- Annual fee
- $0
- Est. net value / yr
- $204
- Purchase rate
- 20.9%
- Foreign transaction fee
- 2.5%
Showing the top 50 of 67.
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.
How these cards are ranked
Rankings are by the numbers only: no issuer can pay to be listed, left out or ranked higher. For rewards cards we estimate net annual value in Canadian dollars: rewards earned on a reference household budget of $30,000 a year ($8,400 groceries, $3,600 dining, $2,400 gas, $3,600 travel, $12,000 everything else) at the earn rate the issuer states for each category, with points valued at the cents-per-point on our Canadian point values page, minus the annual fee. Welcome bonuses are shown separately and not counted. A card whose issuer page does not state an earn rate is not given a value. Every figure was read on the issuer’s own website; see our Canada methodology.
Frequently asked questions
Which is the best cash back credit card in Canada?
By our ranking rule, SimplyCash Preferred Card from American Express from American Express Canada currently ranks first at an estimated $696 net a year. The right card depends on your own spending, so check the issuer’s terms before applying.
How do you calculate the ranking?
We estimate rewards on a reference budget of $30,000 a year, value points at the cents per point on our Canadian point values page, and subtract the annual fee. Welcome bonuses are not included.
Are these cards available in Quebec?
Availability can differ by province. Each card page shows whether the issuer states that it is offered in Quebec; where the issuer does not say, we show “not stated”.
Do I need a minimum income?
Many rewards cards state a minimum personal or household income. Each card shows the figure the issuer states, or “not stated”.
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