Cash Back Credit Cards

Cash Back credit cards offer great incentives for the savvy spender. For every dollar you spend, you receive a certain portion back in the form of cash rewards – generally around 1% of your purchases. Look for cards that offer percentage bonuses in shopping categories that match your spending habits. Cash Back reward cards are best suited for people who use their credit card for everyday purchases, but pay off the balance each month.

  • Choose a cash back card if you want a simple, no hassle rewards program.
  • Take advantage of bonuses that allow you to earn more cash back in select spending categories. These bonuses can really add up!
  • Choose a low rate card if you plan on carrying a monthly balance or are financing a major purchase.
Showing 1 - 7 of 12 cards | View All
MBNA Rewards MasterCard
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • 0% annual interest rate(AIR)† on balance transfers✪ for the first 6 months
  • No annual fee
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Annual Fee APR Balance Transfer APR Cash Advance APR
$0 19.99% 0% intro for 6 months 24.99%
MBNA Rewards MasterCard
MBNA Rewards MasterCard® credit card
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
0% intro for 6 months
Cash Advance:
24.99%
Apply Now
Tangerine Money-Back Credit Card
  • Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice, and 1% Money-Back Rewards on all other purchases.
  • No annual fee
  • No limit on the amount of Money-Back Rewards you can earn
  • Three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card
  • 1.5% Foreign Conversion Fee – one of the lowest in market
  • Free Cards for Authorized Users on your Account
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Annual Fee APR Balance Transfer APR Cash Advance APR
$0 19.95% 1.95% for 6 statement periods 19.95%
Tangerine Money-Back Credit Card
Tangerine Money-Back Credit Card 
  • Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice, and 1% Money-Back Rewards on all other purchases.
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Annual Fee:
$0
APR:
19.95%
Balance Transfer:
1.95% for 6 statement periods
Cash Advance:
19.95%
Apply Now
Scotia Momentum VISA Card
  • 1.99% interest rate on balance transfers for the first six months for accounts opened by February 28, 2017.
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bills
  • 1% cash back on all other eligible purchases
  • Purchase security and extended warranty protection
  • 20% AVIS rental card discount
  • NOTE: A 1% Promotional Rate Fee (minimum fee of $3.50) on the amount of any cash advance, balance transfer and Scotia® Credit Card Cheque will apply during this promotional offer.
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Annual Fee APR Balance Transfer APR Cash Advance APR
$39 19.99% 1.99% on balance transfers for 6 months 22.99%
Scotia Momentum VISA Card
Scotia Momentum® VISA* Card
  • 1.99% interest rate on balance transfers for the first six months for accounts opened by February 28, 2017.
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bills
  • 1% cash back on all other eligible purchases
  • Full credit card details
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Annual Fee:
$39
APR:
19.99%
Balance Transfer:
1.99% on balance transfers for 6 months
Cash Advance:
22.99%
Apply Now
Scotia Momentum No-Fee VISA Card
  • 1% on eligible gas station, grocery store and drug store purchases and recurring bills
  • 0.5% cash back on all other eligible purchases
  • 20% AVIS rental card discount
  • Get an introductory 1.99% on Balance transfers for the first six months. For accounts opened by February 28, 2017.
  • NOTE: A 1% Promotional Rate Fee (minimum fee of $3.50) on the amount of any cash advance, balance transfer and Scotia® Credit Card Cheque will apply during this promotional offer.
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Annual Fee APR Balance Transfer APR Cash Advance APR
$0 19.99% Get an introductory 1.99% on Balance transfers for the first six months. 22.99%
Scotia Momentum No-Fee VISA Card
Scotia Momentum® No-Fee VISA* Card
  • 1% on eligible gas station, grocery store and drug store purchases and recurring bills
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
Get an introductory 1.99% on Balance transfers for the first six months.
Cash Advance:
22.99%
Apply Now
Scotiabank GM VISA Infinite Card
  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire
  • No earning or redemption caps
  • Enjoy the same great rewards in 5 unique designs
  • Travel with peace of mind with VISA Infinite benefits, including Travel Medical Insurance, Rental Car Insurance, Trip Interruption Insurance, and more
  • Purchase Security and Extended Warranty
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Annual Fee APR Balance Transfer APR Cash Advance APR
First year free then $79 19.99% 22.99% 22.99%
Scotiabank GM VISA Infinite Card
Scotiabank® GM®* VISA* Infinite Card
  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire
  • Full credit card details
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Annual Fee:
First year free then $79
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now
Scotiabank GM VISA Card
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earnings = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire
  • No earning or redemption caps
  • Enjoy the same great rewards in 5 unique designs
  • Purchase security and extended warranty
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Annual Fee APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 22.99%
Scotiabank GM VISA Card
Scotiabank® GM®* VISA* Card
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earnings = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now
Scotia Momentum VISA Infinite Card
  • Earn 5% cashback on purchases for the first 3 months, plus an introductory 1.99% on Balance transfers for the first six months. For accounts opened by April 30, 2017.
  • 4% on eligible gas station and grocery store purchases
  • 2% on drug store purchases and recurring bills
  • 1% cash back on all other eligible purchases
  • VISA Infinite Complimentary Concierge Service - available 24/7
  • Access to VISA Infinite Luxury Hotel Collection
  • VISA Infinite Dining Series - Unique dining experiences in some of Canada’s top restaurants
  • Special access to unique offers and experiences
  • Rental car collision insurance
  • Purchase security and extended warranty protection
  • NOTE: A 1% Promotional Rate Fee (minimum fee of $3.50) on the amount of any cash advance, balance transfer and Scotia® Credit Card Cheque will apply during this promotional offer.
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Annual Fee APR Balance Transfer APR Cash Advance APR
$99 19.99% 1.99% on Balance transfers for the first six months. 22.99%
Scotia Momentum VISA Infinite Card
Scotia Momentum® VISA* Infinite Card
  • Earn 5% cashback on purchases for the first 3 months, plus an introductory 1.99% on Balance transfers for the first six months. For accounts opened by April 30, 2017.
  • 4% on eligible gas station and grocery store purchases
  • 2% on drug store purchases and recurring bills
  • Full credit card details
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Annual Fee:
$99
APR:
19.99%
Balance Transfer:
1.99% on Balance transfers for the first six months.
Cash Advance:
22.99%
Apply Now

How to choose the best cash back card

The key to getting the right credit card is to make sure the card works for you, not against you. For example, if you have a habit of carrying a monthly balance then it's advisable to choose a card with a low interest rate. Generally, rewards cards and cash back cards do not have low interest rates. However, if you pay off your balance every month then using a rewards card can actually add to your bottom line.

Cash back credit cards offer a no-hassle way to earn rewards on all your purchases. There's no points to keep track of and you can always get exactly what you want with cash. As the saying goes, "cash is king."

When evaluating cash back credit cards, there’s a few key points to pay attention to:

  • Introductory offers: Some cards offer additional cash back earning potential for a limited time. Plan your large purchases during these intro periods to maximize your cash back earnings.
  • Special categories: Getting a cash back card that rewards your spending habits is key. Some cards offer increased cash back earnings in select categories such as gasoline or groceries. Others allow you to choose the categories that work best for you. Analyze your spending to take advantage of thee benefits.
  • Cash back percentage: Your cash back earnings are based on a percentage of your monthly spend on the card. A 1% earnings rate is common, but can be as high as 5% for special offers or premium cards. If there's an annual fee attached, make sure the cash back (and your spending habits) will outweigh the fee.

Choosing the best cash back credit card depends on your spending habits and goals. Take advantage of special offers and spending categories. Remember rewards based cards generally do not have low interest rates so don't carry a monthly balance on them.