CARDS BY CATEGORYCARDS BY ISSUER |
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Cash Back and Rewards Credit Cards
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Canadians love their rewards programs, but often the credit cards that feature cash back rewards are overlooked. Here are some of the best cash back and rewards credit cards available for Canadians. These credit cards will provide you multiple ways of earning and redeeming rewards. Some of these credit cards are focused on gas and automotive purchases, while others are centered around grocery store or retail store spending. These card offerings are excellent choices for your credit card needs.
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| Smart Cash MasterCard® credit card |
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- Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months
- Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafte
- Get up to 1% cash back for all other qualifying net retail purchases
- 1.99% introductory annual interest rate on balance transfers* and cheque cash advances for 10 months
- Feel secure with around-the-clock fraud protection
- Enjoy free online access to your credit card account
- No annual fee
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Typical APR 19.99%* | Balance Transfer 19.99%* | Balance Transfer Fee 1%* | Annual Fee None* | Credit Needed Good |
| Scotia Momentum® VISA Infinite Card |
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- 1.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- A full 4% cash back on all eligible gas station and grocery store purchases
- A full 2% cash back on eligible drug store purchases and recurring bill payments
- A full 1% cash back on all other eligible purchases
- Plus many exclusive VISA Infinite benefits and privileges.
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Typical APR 19.99%* | Balance Transfer 21.99%* | Balance Transfer Fee 1%* (N/A on intro offers) | Annual Fee $99* | Credit Needed Excellent |
| Scotia Momentum® VISA Card |
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- 1.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- A full 2% cash back on all eligible grocery store, gas station, drug store purchases and recurring bill payments
- A full 1% cash back on all other eligible purchases
- Purchase security and extended warranty protection
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Typical APR 19.99%* | Balance Transfer 21.99* | Balance Transfer Fee 1%* (N/A on intro offers) | Annual Fee $39* | Credit Needed Good |
| Fusion™ Platinum MasterCard® |
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- The low interest rate you need with rewards you want
- 5,000 bonus reward miles on your first purchase
- Earn 1 reward mile for every $2 — on everything you buy
- Guaranteed rate of 9.9% fixed on purchases and balance transfers
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Typical APR 9.9%* | Balance Transfer 9.9%* | Balance Transfer Fee N/A* | Annual Fee $0* | Credit Needed Excellent |
| Scotia Momentum® No-Fee VISA Card |
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- Cash back and no annual fee
- 7.99% introductory interest rate on purchases for the first six months
- 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring bill payments and 0.5% on all other eligible purchases
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Typical APR 19.99%* | Balance Transfer 21.99%* | Balance Transfer Fee 1%* (N/A on intro offers) | Annual Fee $0* | Credit Needed Good |
| MBNA PremierRewards® |
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- 1% back on all net retail purchases
- No Annual Fee
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour Customer service
- Immediate cash access at 430,000 ATMs internationally
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Typical APR 19.99%* | Balance Transfer N/A | Balance Transfer Fee 1%* | Annual Fee None* | Credit Needed Good |
| Cash Gold MasterCard® |
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- 1% cash rewards on all of your purchases
- Earn rewards while you build your credit history the smart way
- Guaranteed access to credit
- Set up text and e-mail alerts to help you stay on track
- Security funds not required, unless we contact you
- Valuable Gold MasterCard benefits including $0 Fraud Liability
- Exclusive online offer
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Typical APR 21.9%* | Balance Transfer 21.9%* | Balance Transfer Fee N/A* | Annual Fee $39* | Credit Needed No Credit / Limited Credit History* |
| MBNA WorldPoints® |
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- 1,000 Bonus WorldPoints after your first purchase
- No Annual Fee
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Earn 1 WorldPoint for every $1 in net retail purchases
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour Customer service
- Immediate cash access at 430,000 ATMs internationally
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Typical APR 19.99%* | Balance Transfer N/A | Balance Transfer Fee 1%* | Annual Fee None* | Credit Needed Good |
| Sony Card MasterCard® credit card |
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- No Annual Fee
- Get 2,000 Sony Points after your first qualifying transaction
- Earn Double Sony Points with every purchase of Sony products at SonyStyle.ca or the Sony store/Maison Sony‡
- Browse through the complete SonyStyle.ca catalogue including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media, and so much more!
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Online access to your credit card account
- Around-the-clock fraud protection
- Unparalelled 24-hour Customer service
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Typical APR 19.99%* | Balance Transfer 19.99% | Balance Transfer Fee 1%* | Annual Fee None* | Credit Needed Good |
| CAA Quebec MasterCard® credit card |
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- Even more, this 2% is added to the .5% rebate you earn each time you use your CAA-Quebec MasterCard credit card
- No Annual Fee
- Low 3.99% introductory interest rate† for 6 months on Cheque Cash Advances and Balance Transfers*
- Online access to your credit card account
- Unparalleled 24-hour customer service
- International acceptance at millions of locations
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Typical APR 14.99%* | Balance Transfer 16.99%* | Balance Transfer Fee N/A* | Annual Fee None* | Credit Needed Good |
| Aspire Cash™ World MasterCard® |
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- 1.5% cash rewards on all purchases
- 20% extra cash rewards every year
- $100 bonus cash reward on your first purchase
- No limit to the amount of cash you can earn
- Add an authorized user for $0, and earn even more cash
- Valuable World MasterCard benefits including Purchase Assurance and Extended Warranty
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Typical APR Prime + 16.8% | Balance Transfer Prime + 16.8% | Balance Transfer Fee N/A* | Annual Fee $120* | Credit Needed Good |
| Aspire Cash™ Platinum MasterCard® |
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- Earn cash rewards and pay no annual fee!
- 1% cash rewards on all net purchases
- 20% extra cash rewards every year
- $50 bonus cash reward on your first purchase
- No limit to the amount of cash you can earn
- Add an authorized user for $0, and earn even more cash
- Valuable Platinum benefits including Purchase Assurance and Extended Warranty
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Typical APR Prime + 16.8% | Balance Transfer Prime + 16.8% | Balance Transfer Fee N/A* | Annual Fee $0* | Credit Needed Good |
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