Best Cash-Back Credit Cards

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)

Accelerate cash back on common purchases!

• No annual fee
• 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)
• 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

• Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers^✪ and access cheques, and 24.99% on cash advances

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for the Smart Cash^® credit card.

This offer is not available for residents of Quebec.

^‡,^††,^✪, Terms and Conditions apply.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click above.

Earn Cash Back Dollars. Redeem them to help pay down your Account balance†

• For every eligible purchase you make, you earn Cash Back Dollars credit for a percentage of that purchase.
• Earn 1% in Cash Back Dollars on eligible grocery Purchases and gas Purchases^† and on regularly recurring bill payments^† set up on your Account.
• Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card^†.
• Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance^†.
• Your Cash Back Dollars never expire as long as your account is open and in good standing.

• Earn 50% more Stars at participating Starbucks^® stores. Conditions apply. Learn more.

• This offer is not available for residents of Quebec. For Quebec residents, please click here.

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the View Product button.

^†Terms and conditions apply.

• 1% in cashback on restaurant transactions and pre-authorized payments and 0.5% on all other eligible transactions

• Protection for your mobile phone: Your new mobile devices, purchased with your card, or phone subscriptions paid for with your card or by automatic transfers from your mycredit account are protected against theft or damages for a period of up to 2 years

Please click on the View Product link for the most up to date information. *Terms and conditions apply.

To find out more on the credit terms applicable to this product, click here.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate

Average balance

$500

$3,000

22.49%

$9.24

$55.45

20.99%

$8.63

$51.76

12.90%

$5.30

$31.81

8.9%

$3.66

$21.95

*Variable interest rate in effect on September 1, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Cashback details

Subject to credit approval by National Bank of Canada. The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments that are automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to the Cashback Program [PDF].

Mobile device protection

Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.