Maximize Your Cash Rewards
Compare cards with the highest earn rates on your daily spending.
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While we strive to scan the entire market, the financial world is massive. We might not list every single credit union or local bank in existence. However, we work tirelessly to present the most competitive offers available in Canada.
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Our opinions are our own. If a card has a terrible fee, we’ll tell you. If a bank has a glitchy app, we’ll warn you. Our loyalty is to your wallet, because if you don't trust us, you won't come back. And we really want you to come back.
Compare Top Cash Back Cards
Comparing results based on your preferences.
TD Canada Trust
CIBC
BMO Bank of Montreal
Estimate Your Yearly Earnings
Don't just look at rates. Enter your monthly spending to see exactly how much cash this card will pay you.
American Express(Canada)
CIBC
Servus Credit Union
Simplii Financial
CIBC
Tangerine Bank
American Express(Canada)
Top Cash Back Alternatives
Explore other highly-rated options you might have missed.
Neo Financial
MBNA Canada
Rogers Bank
RBC Royal Bank
Scotiabank
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Maximize Your Potential
Why use a generic card? Choosing a card that aligns with your spending habits could help you earn more value over time.
Math. Not Marketing.
We calculate the true value to save you every penny.
Data-Driven Logic
Rankings based on hard numbers (fees vs rewards), not advertising budgets.
100% Unbiased
We highlight the "gotchas" and fees just as clearly as the perks.
Direct & Secure
No data harvesting. We send you straight to the bank's secure official site.
Turn Spending into Savings
Cash is the ultimate flexible reward. Skip the blackout dates, confusing redemption charts, and expiry policies—just get paid.
Transparent Valuation
Cash back removes the guesswork and complexity from credit card rewards. Unlike points systems where value can fluctuate based on redemption methods (like flight availability), cash back offers a clear, consistent return. A 1% return on $100 is mathematically tangible and easy to calculate. You never have to worry about your rewards being "devalued" by an airline or hotel chain. It is the most honest form of loyalty reward available.
Category Accelerators
Smart cash back cards offer boosted earn rates (often 2% to 4%) on essential high-spend categories like groceries, gas, and recurring bill payments. This is designed to help you offset inflation on the things you buy most. By matching the right card to your personal spending habits, you can significantly increase your effective return. For example, a family with high grocery bills can earn hundreds more per year with a grocery-specific card than a flat-rate card. Strategy pays off.
Effortless Redemption
Most cash back cards are designed for simplicity, automatically applying your rewards to your statement. Whether it is credited annually in January or monthly, it reduces your credit card bill without you lifting a finger. This "set it and forget it" approach is perfect for busy individuals who don’t want to manage a loyalty portfolio. It effectively acts as a permanent discount on your life expenses. You simply spend as normal, and pay less when the bill comes.
Crunch The Numbers
See exactly how much you can save, earn, or pay off.
Explore the Ecosystem
Discover more ways to save, earn, and optimize your wallet.
Explore other possibilities.
Cash Back is great, but sometimes a different card fits your lifestyle better. Use our Smart Finder to see what else you qualify for.
Travel Rewards
Best for frequent flyers.
Low Interest
Best for carrying a balance.
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Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
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