Best Cash Back Credit Cards for Everyday Spending
Pay in full, then pick category cash back if two bills dominate, or a flat rate if spend is scattered. Points only win if you will redeem them like cash.
Read the guideBest Cash Back Credit Cards in Canada (2026)
Cash back credit cards return a percentage of what you spend, typically as a statement credit. They are often the simplest rewards option in Canada if you would rather not track points or airline programs. Compare bonus categories such as groceries and gas, how cash back is redeemed, and whether a higher annual fee is worth the extra earning rate. This list includes every cash back card we currently track.
By Andrew Card details as of How we review cards
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Showing 32 cards
SimplyCash Preferred Card from American Express
by American Express
Annual fee
$119.88
Welcome bonus
up to $250
RBC Cash Back Preferred World Elite Mastercard
by RBC
Annual fee
$120
Welcome bonus
up to $300 (15% extra on first $2,000 / 3 months)
Scotia Momentum Mastercard credit card
by Scotiabank
Annual fee
$0
Welcome bonus
7.99% introductory interest rate on purcha...
Scotia Momentum Visa Infinite Card
by Scotiabank
Annual fee
$120
Welcome bonus
Up to $300 cash back bonus (15% × $2,000) plus first-year fee waiver value
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