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The Best Cash Rewards Credit Cards

Want the best in cash rewards credit cards? Find the best cash rewards credit cards by comparing rates. Cash rewards credit cards are ranked so you can find the best cards and rates in Canada for your needs.
Credit Cards by Type
Rewards Credit Cards Low Interest Credit Cards Low Balance Transfer Credit Cards Student Credit Cards No Fee Credit Cards Secured Credit Cards Guaranteed Credit Cards Business Credit Cards
Credit Cards by Rewards
Travel Rewards Credit Cards Cash Rewards Credit Cards Points Rewards Credit Cards Gas Rewards Credit Cards Specialty Rewards Credit Cards
Credit Cards by Lender
American Express Bank of Montreal Canadian Tire Capital One Chase Credit Cards CIBC Home Trust MBNA Credit Cards PC Financial Royal Bank of Canada Scotiabank TD Canada Trust Walmart
Best Credit Cards in Canada
Last Updated: June 20, 2013 02:30:58
Smart Cash MasterCard® Credit Card
Smart Cash MasterCard® Credit Card
Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
1.99%
*21.99% after 10 months
$0.00
24.99%
Good
5.00%
*Up to for the first 6 mos, up to 2% afterwards.
Scotia Momentum® VISA Infinite Card
Scotia Momentum® VISA Infinite Card
4% cash back on eligible purchases, a 0.99% intro rate on balance transfers, and cash advances.
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
0.99%
*21.99% after 6 months
$99.00
0.99%
*21.99% after 6 months
Good
4.00%
*maximum
The TrueEarnings® Card from Costco and American Express
The TrueEarnings® Card from Costco and American Express
You can earn a $10 Statement Credit with the TrueEarnings Card. Apply by June 23 2013.
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
2.99%
*19.75% after 6 months
-
$0.00
21.99%
Good
3.00%
*maximum
RBC® Cash Back MasterCard<sup>‡</sup>
RBC® Cash Back MasterCard‡
For no annual fee receive 2% on grocery store purchases and up to 1% on all other purchases*.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
1.90%
*21.99% after 10 months
$0.00
1.90%
*21.99% after 10 months
Good
2.00%
*maximum
Scotia Momentum® VISA card
Scotia Momentum® VISA card
up to 2% cash back + 1.99% intro rate on balance transfers, and cash advances.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
1.99%
*21.99% after 6 months
$39.00
1.99%
*21.99% after 6 months
Good
2.00%
*maximum
Scotia Momentum® No-Fee VISA card
Scotia Momentum® No-Fee VISA card
1% cash back on eligible purchases, a 7.99% intro purchase rate, and no annual fee.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
7.99%
*19.99% after 6 months
21.99%
$0.00
21.99%
Good
1.00%
*maximum
Shell<sup>®††</sup> CashBack World MasterCard<sup>®*</sup> from BMO<sup>®</sup>
Shell®†† CashBack World MasterCard®* from BMO®
3¢ CashBack at Shell
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.90%
19.90%
$79.00
19.90%
Good
3.00%
*maximum
CIBC Dividend Unlimited<sup>TM</sup> World MasterCard<sup>TM</sup>
CIBC Dividend UnlimitedTM World MasterCardTM
Earn up to 2% cash back. No limit to the amount of cash back you can earn
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreExcellent: -- I've had a credit card, or loan for 10+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past six months
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
21.99%
$79.00
21.99%
Excellent
2.00%
*maximum
CIBC Dividend Visa Infinite<sup>TM</sup>
CIBC Dividend Visa InfiniteTM
Earn up to 2% cash back + Out-of-Province Emergency Travel Medical Insurance
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreExcellent: -- I've had a credit card, or loan for 10+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past six months
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
21.99%
$79.00
21.99%
Excellent
2.00%
*maximum
Capital One Aspire Cash™ World MasterCard®
Capital One Aspire Cash™ World MasterCard®
Earn 50% extra cash rewards every year and pay no annual fee!
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreExcellent: -- I've had a credit card, or loan for 10+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past six months
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
16.80%
*+ Prime
16.80%
*+ Prime
$0.00
16.80%
*+ Prime
Excellent
1.50%
*maximum
Shell<sup>®††</sup> CashBack MasterCard<sup>®*</sup> from BMO<sup>®</sup>
Shell®†† CashBack MasterCard®* from BMO®
1.5¢ CashBack at Shell
Apply Online
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.90%
19.90%
$0.00
19.90%
Good
1.50%
*maximum
Canadian Tire Cash Advantage® Mastercard®
Canadian Tire Cash Advantage® Mastercard®
Earn up to 1.5% cash back everywhere you shop.
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
19.99%
$0.00
21.99%
Good
1.50%
*maximum
Canadian Tire Options® MasterCard®
Canadian Tire Options® MasterCard®
The BEST way to earn the most Canadian Tire Money.
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
19.99%
$0.00
21.99%
Good
1.36%
*maximum
Capital One Aspire Cash™ Platinum MasterCard®
Capital One Aspire Cash™ Platinum MasterCard®
Earn cash rewards and pay no annual fee!
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
16.80%
*+ Prime
16.80%
*+ Prime
$0.00
16.80%
*+ Prime
Good
1.25%
*maximum
BMO<sup>®</sup> CashBack World MasterCard<sup>®*</sup>
BMO® CashBack World MasterCard®*
Now, even more Cash Back than ever. 1.25%.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.90%
19.90%
$79.00
19.90%
Good
1.25%
*maximum
Walmart MasterCard®
Walmart MasterCard®
Earn 1.25% of your Walmart purchases in Walmart Rewards.
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.89%
21.49%
$0.00
21.49%
Good
1.25%
*maximum
BMO<sup>®*</sup> Rewards MasterCard<sup>®*</sup>
BMO®* Rewards MasterCard®*
Earn flexible rewards points to use for travel, merchandise, and more.
Apply Online
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.90%
19.90%
$35.00
19.90%
Good
1.00%
*maximum
TD Rebate Rewards Visa
TD Rebate Rewards Visa
19.99% on purchases and 21.5% on Cash Advance
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreFair: -- I've had a credit card, or loan for 1+ years. For the last 2+ years I've paid back debts to creditors (with no defaults). I haven't missed more than two payments on my credit in the last three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
21.50%
$0.00
21.50%
Fair
1.00%
*maximum
CIBC Dividend Card<sup>®</sup>
CIBC Dividend Card®
Everyday convenience plus up to 1% cash back on card purchases
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreFair: -- I've had a credit card, or loan for 1+ years. For the last 2+ years I've paid back debts to creditors (with no defaults). I haven't missed more than two payments on my credit in the last three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
21.99%
$0.00
21.99%
Fair
1.00%
*maximum
TD Gold Elite Visa
TD Gold Elite Visa
Earn 1% cash rebate on all net purchases charged to card and supplementary cards
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreFair: -- I've had a credit card, or loan for 1+ years. For the last 2+ years I've paid back debts to creditors (with no defaults). I haven't missed more than two payments on my credit in the last three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.99%
21.50%
$99.00
21.50%
Fair
1.00%
*maximum
BMO<sup>®*</sup> CashBack MasterCard<sup>®*</sup>
BMO®* CashBack MasterCard®*
Turn every purchase into CashBack on every dollar you spend.
Apply Online
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Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
RewardsAre all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
19.90%
19.90%
$0.00
19.90%
Good
0.50%
*maximum
Canadian Tire Gas Advantage® MasterCard®
Canadian Tire Gas Advantage® MasterCard®
BONUS! Save a full 10¢ per litre automatically for 30 days.
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit ScoreGood: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
19.99%
19.99%
$0.00
21.99%
Good
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.
Apply Online
Read More Details
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
Credit Score
Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!