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 Rewards Credit Cards in Canada (2026)
Rewards credit cards earn points you can redeem for travel, merchandise, or statement credits, rather than automatic cash back. In Canada that includes Membership Rewards, Scene+, Avion, Aventura, and store programs such as PC Optimum. Compare welcome bonuses, annual fees, and whether you will actually use the redemption options. This list includes every points-based rewards card we currently track.
By Andrew Card details as of How we review cards
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Showing 37 cards
CIBC Aventura Visa Card
by CIBC
Annual fee
$0
Welcome bonus
up to $200 (incl. $110 Skip+ value; points alone up to $125)
MBNA Rewards Platinum Plus Mastercard
by MBNA
Annual fee
$0
Welcome bonus
Up to 10,000 bonus MBNA Rewards points
MBNA Rewards World Elite Mastercard
by MBNA
Annual fee
$120
Welcome bonus
approximately $245 in cash back value ($165 spend bonus + $80 paperless bonus)
Scotiabank Scene+ Visa Card
by Scotiabank
Annual fee
$0
Welcome bonus
up to 5,000 bonus Scene+ points (about $50)
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