Compare Cash Back Rewards Credit Cards

Are you tired of using cash or debit for everything and earning no rewards? With a cash back credit card, you can actually get back a percentage of every dollar you spend on your card. Use our cash back credit card comparison chart below to find/apply for one of the best cash back credit cards in Canada.

Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks.
Monthly spending by category
Monthly spending by category

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Credit card Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.89% $0 $195 Get details
19.99% $0 $216 Get details
19.99% $0 $155 Get details
19.99% $0 $225 Get details
19.97% $0 $180 Get details
19.97% $0 $180 Get details
19.99% $39 $249 Get details
19.99% $35 $145 Get details
19.99% $0 $135 Get details
19.99% $99 $421 Get details
19.99% $0 $175 Get details
19.99% $39 $191 Get details
19.99% $120 $412 Get details
19.99% $0 $161 Get details
19.99% $19 $161 Get details
19.99% $120 $262 Get details
19.99% $120 $435 Get details
19.99% $89 $201 Get details
19.99% $399 $190 Get details
19.99% $19 $161 Get details
19.8% $0 $ Get details
19.99% $99 $246 Get details
19.99% $0 $152 Get details
19.99% $0 $90 Get details
19.8% $65 $115 Get details
19.99% $39 $266 Get details
19.99% $0 $90 Get details
19.99% $0 $190 Get details
30% $399 $-174 Get details
19.99% $0 $127 Get details
30% $180 $-35 Get details
19.99% $0 $325 Get details
19.99% $0 $200 Get details
19.99% $0 $320 Get details
30% $120 $540 Get details
30% $699 $26 Get details
19.99% $0 $169 Get details
19.99% $150 $474 Get details
30% $499 $351 Get details
19.8% $0 $ Get details
19.99% $0 $180 Get details
19.99% $0 $382 Get details
30% $250 $180 Get details
19.99% $0 $180 Get details
19.99% $110 $120 Get details
19.99% $65 $ Get details
19.99% $99 $538 Get details
19.99% $79 $338 Get details
19.99% $89 $371 Get details
19.9% $110 $ Get details
19.97% $0 $ Get details
19.99% $120 $ Get details
19.99% $0 $108 Get details
19.99% $0 $190 Get details
19.99% $29 $ Get details
19.99% $0 $200 Get details
19.99% $99 $101 Get details
19.99% $99 $81 Get details
19.99% $0 $0 Get details
17% + prime $0 $ Get details
19.8% $150 $ Get details
19.99% $120 $727 Get details
19.99% $0 $90 Get details
19.99% $99 $605 Get details
19.9% $111 $ Get details
19.99% $99 $ Get details
19.99% $150 $370 Get details
19.95% $0 $ Get details
19.99% $0 $ Get details
19.9% $42 $ Get details
19.99% $120 $570 Get details
19.9% $0 $ Get details
19.99% $0 $108 Get details
19.99% $125 $145 Get details
19.99% $0 $231 Get details
19.99% $150 $510 Get details
19.99% $65 $292 Get details
19.99% $120 $ Get details
19.99% $125 $145 Get details
19.99% $120 $470 Get details
19.99% $39 $299 Get details
30% $150 $508 Get details
For a LIMITED time only, you will receive a FREE gift card from RateHub.ca to Starbucks, Homesense/Winners, or Amazon.ca upon approval of this card. Click “Get details” for more info.
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If you need any help comparison shopping, read our frequently asked questions below:

What is a cash back credit card?

As the name suggests, cash back credit cards provide a cash rebate for every dollar you spend on your credit card. The amount of cash back you can earn is typically 1-4%, depending on which credit card you choose to use. The cash can be returned to you in one of two ways: either as a credit on one of your monthly statements or as a cheque in the mail every time you reach a specific milestone.


How much cash back can I earn?

How much cash back you can earn depends on the card you choose and your spending habits. Some cash back credit cards have a maximum cash back amount that you can receive each month. For example, a card could pay 1.00% cash back on all purchases up to $2,000 spending per month, but nothing above that limit. If you spent the maximum, you would earn $20 per month or $240 per year.


Why do some cash back credit cards come with an annual fee?

The best cash back credit cards have an annual fee, because they offer higher cash back rebate percentages and potentially higher spending limits than other cards. Before applying for a cash back credit card, use our tool to enter your monthly spending and find the card that will offset the annual fee and give you the most cash back.


What else should I consider before applying for a cash back credit card?

One thing to consider with cash back credit cards is because you earn money every time you make purchases with your card, you could be tempted to overspend and wind up in credit card debt. In order to receive the full benefits of this type of rewards credit card, you should be in the habit of paying off your balance in full and on time each month, before starting to use a cash back credit card for all your purchases.


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