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 13 cards | View All
Tangerine Money-Back Credit Card
  • Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice, and 0.5% 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
  • Free Cards for Authorized Users on your Account
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Annual Fee Purchase 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 0.5% 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
MBNA Rewards Mastercard
  • Accelerate rewards points on common purchases!
  • No annual fee
  • 1 point‡ for every $1 in eligible purchases
  • 2 points‡ for every $1 spent on eligible gas, groceries and restaurant purchases ($5,000 annual cap on each category)
  • Receive 2,500 bonus points†† after your first eligible purchase within the first 90 days of account opening
  • Receive 2,500 bonus points†† once enrolled for e-statements within the first 90 days of account opening
  • Redeem points‡ for travel, brand-name merchandise, gift cards from participating retailers, cash back, and charitable donations
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • A suite of comprehensive insurance**
  • Legal disclosures
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 24.99%
MBNA Rewards Mastercard
MBNA Rewards Platinum Plus® Mastercard®
  • Accelerate rewards points on common purchases!
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
24.99%
Apply Now
  • 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
  • A suite of comprehensive insurance**
  • Legal disclosures
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 24.99%
MBNA Smart Cash Platinum Plus® Mastercard®
  • 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)
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
24.99%
Apply Now
MBNA Smart Cash World Mastercard
  • Accelerate cash back on common purchases!
  • 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 1% Cash Back‡ for all other eligible purchases
  • $39 annual fee
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • A suite of comprehensive insurance**
  • Your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater††††
  • Legal disclosures
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$39 19.99% 22.99% 24.99%
MBNA Smart Cash World Mastercard
MBNA Smart Cash® World Mastercard®
  • Accelerate cash back on common purchases!
  • 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)
  • Full credit card details
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Annual Fee:
$39
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
24.99%
Apply Now
Simplycash Card
  • New SimplyCash™ Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Cardmembership
  • Earn 1.25% cash back on purchases when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Optional Balance Transfer Offer – Enjoy a 1.99% interest in first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card
  • Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application.
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • The preferred rate for purchases is 19.99% and funds advances is 22.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 1.99% for 6 months* 22.99%
Simplycash Card
SimplyCashTM Credit Card from American Express
  • New SimplyCash™ Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Cardmembership
  • Earn 1.25% cash back on purchases when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
1.99% for 6 months*
Cash Advance:
22.99%
Apply Now
Scotia Momentum VISA Card
  • 2.99% introductory interest rate on balance transfers for the first 6 months*
  • Cash back with low annual fee
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 1% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
  • Note: A 1% Promotional Rate Fee (minimum fee of $3.50) will be charged on the amount of any promotional rate cash advances (which includes balance transfer, Scotia® Credit Card Cheque and cash-like transactions).
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
First year free then $39 19.99% 2.99% on balance transfers for 6 months 22.99%
Scotia Momentum VISA Card
Scotia Momentum® VISA* Card
  • 2.99% introductory interest rate on balance transfers for the first 6 months*
  • Cash back with low annual fee
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • Full credit card details
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Annual Fee:
First year free then $39
APR:
19.99%
Balance Transfer:
2.99% on balance transfers for 6 months
Cash Advance:
22.99%
Apply Now
Scotia Momentum No-Fee VISA Card
  • 7.99% introductory interest rate on purchases for the first 6 months*
  • 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
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
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Annual Fee Purchase 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
  • 7.99% introductory interest rate on purchases for the first 6 months*
  • 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
  • Full credit card details
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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

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.