Cash Back Credit Cards

BMO CashBack® Mastercard®* (Student)

BMO CashBack® Mastercard®* (Student)

Welcome offer: Get 5% cash back in your first 3 months*
Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
Now earn the highest cash back on groceries in Canada without paying an annual fee!✝
Get cash back every time you spend, plus start building a healthy credit history
Best BMO CashBack Mastercard for Students
Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account*
No Annual fee*
Extended Warranty*
Purchase Protection*
Receive a discount on car rentals*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
✝Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of January 4, 2023.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99 % Variable

PC Insiders™ World Elite® Mastercard®

PC Insiders™ World Elite® Mastercard®

Enjoy $1,110 in average value every year
Earn 40 PC Optimum™ points for every $1 spent at Loblaw affiliated grocery stores
Earn up to 7 cents per litre in PC Optimum™ points on gas at Esso™ and Mobil™ stations
Earn 50 PC Optimum™ points per $1 spent at Shoppers Drug Mart®
Earn 40 PC Optimum™ points for every $1 spent at Joe Fresh®
Earn 10 PC Optimum™ points for every $1 spent everywhere else you shop
Get unlimited free grocery delivery and pickup with a complimentary PC Express™ Pass on eligible orders of $35 or more (valued at $99.99 per year).
No limits on points earning and points don’t expire
Welcome offer of bonus PC Optimum™ points to kickstart your rewards journey
Purchase Assurance
Extended Warranty
Mastercard Global Service™
Concierge Services
Travel Emergency Medical Insurance
Car Rental Collision/Loss Damage Waiver Insurance
Identity Theft Assistance
Conditions apply to all benefits and offers.
*Conditions and assumptions apply, actual value may vary.
Visit pcfinancial.ca for full details.

Annual Fee: $120 for 12 months
Intro Rate: N/A
Ongoing APR: 21.99% Fixed

Desjardins Cash Back World Elite Mastercard

Desjardins Cash Back World Elite Mastercard

Our credit card with the most cash back
Get up to 4% cash back on your purchases plus car rental, mobile device and 3 day travel insurances. All supplementary cards are offered at no annual fees for Desjardins members

Annual Fee: $100
Intro Rate: N/A
Ongoing APR: 19.90%

National Bank Allure Mastercard®

National Bank Allure Mastercard®

Support the Quebec Breast Cancer Foundation and get cashback.
Earn 1 point for every $2 spent
For every 1,000 points accumulated with your credit card, you automatically receive a $10 discount in your credit card account once a year.
Extended warranty*
Purchase protection in case of theft or damage*

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99%

BMO CashBack® Mastercard®*

BMO CashBack® Mastercard®*

Welcome offer: Get 5% cash back in your first 3 months*
Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
Now earn the highest cash back on groceries in Canada without paying an annual fee!✝
Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
No Annual fee*
Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account*
Extended Warranty*
Purchase Protection*
Receive a discount on car rentals*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
✝Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of January 4, 2023.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99% Variable

MBNA Rewards World Elite® Mastercard® credit card

MBNA Rewards World Elite® Mastercard® credit card

Welcome Offer: Earn up to 30,000 bonus points ($250 cash back value) (This offer is not available for residents of Quebec)
20,000 bonus points✝✝ after you make $2,000 or more in eligible purchases within the first 90 days of your account opening
10,000 bonus points✝✝ once enrolled for paperless e-statements within the first 90 days of account opening
Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases (until $50,000 is spent annually in each category)
1 point‡ for every $1 on all other eligible purchases
To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater✝✝✝✝

Annual Fee: $120
Intro Rate: N/A
Ongoing APR: 19.99%

Capital One Aspire Cash™ Platinum Mastercard®

Capital One Aspire Cash™ Platinum Mastercard®

Earn cash rewards and pay no annual fee!
Earn 1% cash rewards on all purchases
No limit to the amount of cash you can earn
Standard annual interest rate of 21.9% – 29.9% on purchases and balance transfers
Standard annual interest rate for cash advances is 21.9% – 29.9%
Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
Add an authorized user for $0

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.9% – 29.9%

BMO CashBack® World Elite®* Mastercard®*

BMO CashBack® World Elite®* Mastercard®*

Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Earn more cash back on the categories that mean the most:
5% on groceries*
4% on transit including ride sharing, taxis and public transportation*
3% on gas and electric vehicle charging*
2% on recurring bill payments like your monthly phone bill or favourite streaming service*
1% unlimited cashback on all other purchases*
Get the highest cash back earn rate on groceries in Canada.*
Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
Extended Warranty Plus*
Purchase Protection Plus*
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*
Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
Complimentary Roadside Assistance Program*
BMO CashBack World Elite Travel and Medical Protection*
BMO Concierge Service*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
✝Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

Annual Fee: $120
Intro Rate: N/A
Ongoing APR: 20.99% Variable

RBC Cash Back Mastercard

RBC Cash Back Mastercard

No Annual Fee Credit Card that lets you earn unlimited cash back credits with every purchase
Earn up to 2% cash back on grocery store purchases and up to 1% cash back on all other qualifying purchases and pre-authorized payments
Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Earn more Be Well points at Rexall – Get 50 Be Well points for every $1 spent on eligible products at Rexall
Get a 3-month complimentary DashPass subscription from DoorDash – a value of almost $30
Refer to RBC page for up to date offer terms and conditions

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99%

Desjardins Cash Back Mastercard

Desjardins Cash Back Mastercard

No annual fee cash back credit card
Get up to 2% cash back on your purchases, a mobile device insurance and 3 day travel insurance at no annual fees!

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 19.90%

National Bank ECHO® Cashback Mastercard®

National Bank ECHO® Cashback Mastercard®

Get up to 1.5% cashback on most online purchases, on groceries and on gas*
Get unlimited 1% cashback on all other purchases
Apply your cashback as soon as you accumulate $10. You can even access your cashback on the go from any tablet or mobile device!
Purchase protection in case of theft or damage*
Extended warranty*

Annual Fee: $30
Intro Rate: N/A
Ongoing APR: 20.99%

PC® World Mastercard®

PC® World Mastercard®

Award-winning, no annual fee rewards credit card
Earn 20 PC Optimum™ points for every $1 spent at Loblaw affiliated grocery stores
Earn at least 3 cents per litre in PC Optimum™ points on gas at Esso™ and Mobil™ stations
Earn 35 PC Optimum™ points per $1 spent at Shoppers Drug Mart®
Earn 10 PC Optimum™ points for every $1 spent everywhere you else shop
No limits on points earning and points don’t expire
Welcome offer of bonus PC Optimum™ points to kickstart your rewards journey
Purchase Assurance
Extended Warranty
Mastercard Global Service™
Concierge Services
Conditions apply to all benefits and offers. Visit pcfinancial.ca for full details.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.99% Fixed

MBNA Smart Cash Platinum Plus® Mastercard® credit card

MBNA Smart Cash Platinum Plus® Mastercard® credit card

Welcome offer: Earn 5% Cash Back on gas and groceries for the first 6 months✝✝ ($500 monthly spend cap)
This offer is not available for residents of Quebec
No annual fee
Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
Get 0.5% Cash Back‡ for all other eligible purchases
A suite of comprehensive insurance**

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 19.99%

RBC Cash Back Preferred World Elite Mastercard

RBC Cash Back Preferred World Elite Mastercard

Earn up to 1.5% cash back on your spending, with no limit on the cash back you can earn
Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Earn more Be Well points at Rexall – Get 50 Be Well points for every $1 spent on eligible products at Rexall
Get a 12-month complimentary DashPass subscription from DoorDash – a value of almost $120
Your RBC Cash Back Preferred World Elite Mastercard keeps you connected with access to over 1 million Wi-Fi hotspots around the world with Boingo Wi-Fi for Mastercard Cardholders – register today at mastercard.boingo.com
Get premium insurance coverage with rental car insurance and protection for your eligible purchases
Refer to RBC page for up to date offer terms and conditions

Annual Fee: $99
Intro Rate: N/A
Ongoing APR: 20.99%

Capital One Aspire Travel™ Platinum Mastercard®

Capital One Aspire Travel™ Platinum Mastercard®

Earn reward miles – with no annual fee!
Earn 1 reward mile for every $1 spent – on all purchases
There’s no limit to the amount of reward miles you can earn
Standard annual interest rate of 21.9% – 29.9% on purchases and balance transfers
Standard annual interest rate for cash advances is 21.9% – 29.9%
Redeem for travel, cash or gift cards
Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
Add an authorized user for $0

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.9% – 29.9%

PC® Mastercard®

PC® Mastercard®

Award-winning, no annual fee rewards credit card
Earn 10 PC Optimum™ points for every $1 spent everywhere you shop
Earn at least 3 cents per litre in PC Optimum™ points on gas at Esso™ and Mobil™ stations
Earn 25 PC Optimum™ points per $1 spent at Shoppers Drug Mart®
No limits on points earning and points don’t expire
Welcome offer of bonus PC Optimum™ points to kickstart your rewards journey
Purchase Assurance
Extended Warranty
Mastercard Global Service™
Conditions apply to all benefits and offers. Visit pcfinancial.ca for full details.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.99% Fixed

PC® World Elite® Mastercard®

PC® World Elite® Mastercard®

Award-winning, no annual fee rewards credit card
Get up to $750 in PC Optimum™ points every year
Earn 30 PC Optimum™ points for every $1 spent at Loblaw affiliated grocery stores
Earn at least 3 cents per litre in PC Optimum™ points on gas at Esso™ and Mobil™ stations
Earn 45 PC Optimum™ points per $1 spent at Shoppers Drug Mart®
Earn 30 PC Optimum™ points for every $1 spent at Joe Fresh®
Earn 10 PC Optimum™ points for every $1 spent everywhere else you shop
No limits on points earning and points don’t expire
Welcome offer of bonus PC Optimum™ points to kickstart your rewards journey
Purchase Assurance
Extended Warranty
Mastercard Global Service™
Concierge Services
Travel Emergency Medical Insurance
Car Rental Collision/Loss Damage Waiver Insurance
Identity Theft Assistance
Conditions apply to all benefits and offers. Visit pcfinancial.ca for full details.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 21.99% Fixed

MBNA Smart Cash World® Mastercard® credit card

MBNA Smart Cash World® Mastercard® credit card

Welcome offer: Get 5% Cash Back on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
This offer is not available for residents of Quebec
Get 2% Cash Back on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
Get 1% Cash Back for all other eligible purchases
Your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater
$39 annual fee
A suite of comprehensive insurance**

Annual Fee: $39
Intro Rate: N/A
Ongoing APR: 19.99%