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Best Cash-Back Credit Cards

Sign up with Borrowell to compare the top cash-back credit cards recommended for your unique credit profile. See the best cash-back credit cards in Canada in 2019!

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Home Trust Preferred Visa

Annual Fee

$0

Purchase Interest Rate

19.99%

Cash Advance Rate

19.99%

Balance Transfer Rate

N/A

Additional Rates and Fees

  • Sign Up Bonus: N/A
  • Rewards: Earn 1% cash back with every purchase, with no limit in the amount you can earn. Roadside Assistance at no extra cost and no foreign exchange conversion fees. 
  • Minimum Income Required: N/A

MBNA Smart Cash Platinum Plus® Mastercard®

Annual Fee

$0

Purchase Interest Rate

19.99%

Cash Advance Rate

24.99%

Balance Transfer Rate

22.99%

Additional Rates and Fees

  • Sign Up Bonus: 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)
  • Rewards: 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
  • Minimum Income Required: N/A
  • Special Note: This offer is not available for residents of Quebec. For residents of Quebec, please click .

Scotia Momentum®No-Fee Visa*

Annual Fee

$0

Purchase Interest Rate

19.99%

Cash Advance Rate

22.99%

Balance Transfer Rate

N/A

Additional Rates and Fees

  • Sign Up Bonus: 7.99% introductory interest rate on purchases for the first 6 months*
  • Rewards: Cash back on everyday spending with no annual fee 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments 0.5% cash back on all other eligible everyday purchases
  • Minimum Income Required: $12,000

American Express® Gold Rewards Card

Annual Fee

$150

Purchase Interest Rate

30.00%

Cash Advance Rate

N/A

Balance Transfer Rate

N/A

Additional Rates and Fees

  • Sign Up Bonus: Earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Card membership*
  • Rewards: Earn 2 points for every $1 on eligible travel and everyday purchases. Earn one point for every $1 in Card purchases everywhere else. Charge any eligible purchase to your card then log in to redeem your points for a statement credit. Book flights within Canada or to destinations around the world for a fixed amount of points with the Fixed Points Travel Program. You can book any airline, fly any day, and even book right up to a day before departure. 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.
  • Minimum Income Required: $40,000

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