Cash back credit cards
We compare 32 cash back credit cards from 16 Canadian issuers. Annual fees range from $0 to $139. Sorted highest earn rate first.
Updated October 2026
Cash back credit cards compared
Cash back cards return a percentage of what you spend as a statement credit or deposit. They’re simple to value, since a dollar back is a dollar back, and many offer higher rates on everyday categories like groceries, gas and bills.
5% on groceries
- 5% cash back on the first $500 of groceries each month
- 4% on transit and 3% on gas and EV charging
- Travel medical, trip cancellation and rental car insurance
4% on restaurants, bars & coffee shops
- 4% cash back at restaurants, bars and coffee shops
- 1.5% on gas, EV charging, groceries and recurring bills
- Purchase security and extended warranty coverage
4% on Canadian Tire, Sport Chek, Mark's, Party City & partner stores
- No annual fee
- 4% back in CT Money at Canadian Tire family stores
- 3% on groceries, up to $12,000 a year
4% on groceries
- 4% cash back on groceries and gas
- $99 annual fee waived in the first year
- 2% back on pharmacy purchases and utility bills
4% on groceries
- 4% cash back on the first $10,000 of groceries a year
- 3% on restaurants, entertainment and alternative transportation
- Mobile device insurance up to $1,500
SimplyCash Preferred Card from American Express
See detailsfrom American Express$119.88 annual feeRates & fees4% on groceries
- 2% cash back on every purchase outside the 4% categories
- 4% on gas and groceries
- Travel medical and mobile device insurance included
4% on groceries
- 4% cash back on groceries, gas and EV charging
- 2% on dining, transportation and recurring payments
- First-year annual fee rebated under the current offer
4% on groceries
- 4% cash back on groceries and recurring bill payments
- 2% on gas, EV charging, transit, rideshare and food delivery
- Redeem cash back any time once you have $25
3% on groceries
- 3% cash back on groceries with no annual fee
- 1% back on recurring bills
- Recommended credit score of 600+ suits newer borrowers
3% on restaurants
- 3% back at restaurants and Costco gas stations
- No annual fee and no limit on total cash back
- Mobile device insurance included
3% on US-dollar purchases
- No annual fee with World Elite benefits
- 3% back on US-dollar purchases, above the 2.5% FX fee
- 1.5% cash back on everything else
3% on Walmart purchases
- 3% back on Walmart purchases, in store and online
- No annual fee
- Reward Dollars never expire and redeem with no minimum
3% on groceries
- 3% cash back on groceries, gas and EV charging
- 2% on transportation, dining and recurring payments
- Low $15,000 household income requirement
3% on groceries
- 3% cash back across five everyday categories
- Free Deluxe TD Auto Club membership with 24/7 roadside assistance
- Fee rebated every year with a TD All-Inclusive Banking Plan
2% on groceries
- 2% cash back on groceries with no annual fee
- No cap on total cash back; redeem from $10 anytime
- Up to 10 cents a litre off gas with Journie Rewards
2% on groceries
- No annual fee and no minimum income requirement
- 2% cash back on groceries
- Welcome offer of up to $125 cash back
2% on restaurants
- 2% cash back on restaurants, entertainment and transit, with no annual fee
- Travel medical coverage for trips of up to 3 days
- Mobile device insurance up to $1,000
2% on groceries
- No annual fee
- 2% cash back on groceries, gas and recurring bills, up to monthly limits
- Choice of three cash back plans at signup
2% on grocery store purchases
- No annual fee
- 2% cash back on the first $6,000 of groceries each year
- Redeem cash back any time once you have $25
2% on U.S. dollar purchases
- 2% cash back with a qualifying Rogers, Fido, Comwave or Shaw service
- No annual fee and up to nine free supplementary cards
- 1.5x bonus when you redeem toward Rogers-family purchases
2% on groceries
- No annual fee
- 2% cash back on gas and groceries
- 1.25% on all other purchases, with no categories to activate
2% on groceries (a 2% category)
- Choose your own 2% cash back categories
- Third 2% category when rewards go to a Tangerine Savings Account
- Cash back paid monthly with no minimum
2% on 2 categories of your choice
- 2% cash back in 2 or 3 categories you choose, with no cap
- No annual fee
- Mobile device and rental car insurance
2% on groceries
- 2% cash back on groceries, gas, drugstores and recurring bills
- 1% cash back on all other purchases
- Low $49 annual fee
1.5% on gas stations
- No annual fee, and employee cards are free
- 1.5% cash back on gas, phone and internet bills and office supplies
- 1.75% back at Shell stations in Canada
1.5% on all purchases
- Flat 1.5% cash back with no categories to track
- Mastercard Travel Pass access to 1,300+ airport lounges
- 12 months of complimentary DoorDash DashPass
1% on all eligible purchases
- No annual fee and no foreign transaction fee
- 1% cash back on eligible purchases, with no cap
- Works with Apple Pay, Google Pay and Samsung Pay
1% on everyday spending
- Earns cash back while you build credit
- No annual fee on the standard tier
- Reports to the credit bureaus
1% on everyday spending
- No annual fee on the standard card
- Partner merchants pay an average of about 5% cash back
- Up to $75 cash back as a welcome offer
1% on groceries
- 5% cash back on up to $2,000 of purchases in the first 3 months
- 0.99% introductory balance transfer rate for 9 months
- No annual fee
1% on groceries
- No annual fee, and no minimum income to qualify
- Redeem cash back toward your balance at any time
- At least 10% off Avis and Budget rentals in Canada and the US
1% on everything
- No annual fee and no foreign transaction fee
- Flat 1% cash back on every purchase
- Up to 2% back for Premium and Generation clients
Questions
How many cash back credit cards does CreditLab compare?
We compare 32 credit cards in this category from 16 issuers, with fees from $0 to $139 a year. Each one links to a full breakdown of its fees, rates and features.
Are there cash back options with no annual fee?
Yes. 22 of them have no annual fee, including the Simplii Financial Cash Back Visa Card, Triangle World Elite Mastercard, BMO CashBack Mastercard.
More credit cards by category
Fees and rates come from each issuer’s published terms. Always confirm with the issuer before applying. See our methodology.