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Ranking · Updated September 2026

Best Cash Back Credit Cards in Canada

Compare the top cash back credit cards. Earn 1–5% back on groceries, gas, restaurants, and everyday purchases.

5
cards
Best Cards1st Yr FreeCash BackTravelGroceriesGas & EVBusinessLow Interest
Scotia Momentum Visa Infinite + Card
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Scotia Momentum® Visa Infinite +* Card
ScotiaCash BackFirst-Year Annual Fee Rebate
Annual fee
$120 $0
Base Rewards Rate
1x

Cash Back

Our valuation
$420

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome Bonus
$300

Cash Back + First Year Annual Fee Rebate

(Up to)

Ends Nov 1, 2026

BMO CashBack World Elite Mastercard
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BMO CashBack® World Elite®* Mastercard®*
BMOCash BackFirst-Year Annual Fee Rebate
Annual fee
$139 $0
Base Rewards Rate
1x

Cash Back

Our valuation
$789

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome Bonus
$650

in value + First Year Annual Fee Rebate

(Up to)

CIBC Dividend Visa Infinite Card
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CIBC Dividend® Visa Infinite* Card
CIBCCash BackFirst-Year Annual Fee Rebate
Annual fee
$120 $0
Base Rewards Rate
1x

Cash Back

Our valuation
$420

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome Bonus
$300

cash back† + First Year Annual Fee Rebate

(Up to)

TD Cash Back Visa Infinite Card
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TD Cash Back Visa Infinite* Card
TDCash BackFirst-Year Annual Fee Rebate
Annual fee
$139 $0
Base Rewards Rate
1x

Cash Back

Our valuation
$489

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome Bonus
$350

cash back† + First Year Annual Fee Rebate

(Up to)

PC World Elite Mastercard
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PC® World Elite® Mastercard®
PC FinancialPC Optimum
Annual fee
$0
Base Rewards Rate
10x

PC Optimum

Our valuation
$20

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome Bonus
20,000 points
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