Best Cash Back Credit Cards in Canada - September 2026

Cash Back

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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Scotia Momentum® Visa Infinite +* Card

Scotia Cash BackFirst-Year Annual Fee Rebate

Annual fee: $0 $120No annual fee the first year
Our valuation: $420Milesopedia first-year estimate First-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $300 Cash Back

Features
Issuer: Scotia
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 4x
Bills & recurring payments: 4x
Telecom: 4x
Gas & EV: 2x
Transit: 2x
Streaming: 2x

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BMO CashBack® World Elite®* Mastercard®*

BMO Cash BackFirst-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year
Our valuation: $789Milesopedia first-year estimate First-year valueWelcome bonus$650Annual fee rebated$139Total$789Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $650 in value

Features
Issuer: BMO
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $139/yr
Min. annual income: $80,000+

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Rewards: Rate
Groceries: 5x
Transit: 4x
Gas & EV: 3x
Streaming: 2x
Bills & recurring payments: 2x

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CIBC Dividend® Visa Infinite* Card

CIBC Cash BackFirst-Year Annual Fee Rebate

Annual fee: $0 $120No annual fee the first year
Our valuation: $420Milesopedia first-year estimate First-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $300 cash back

Features
Issuer: CIBC
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Gas & EV: 4x
Groceries: 4x
Restaurants: 2x
Bills & recurring payments: 2x
Transit: 2x

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TD Cash Back Visa Infinite* Card

TD Cash BackFirst-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year
Our valuation: $489Milesopedia first-year estimate First-year valueWelcome bonus$350Annual fee rebated$139Total$489Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $350 cash back

Features
Issuer: TD
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 3x
Gas & EV: 3x
Transit: 3x
Bills & recurring payments: 3x
Streaming: 3x

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PC® World Elite® Mastercard®

PC Financial PC Optimum

Annual fee: $0
Our valuation: $20Milesopedia first-year estimate First-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 20,000 points

Features
Issuer: PC Financial
Network
Loyalty Program: PC Optimum

Fees and terms
Annual Fee: $0
Min. annual income: $80,000+

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Rewards: Rate
Pharmacy: 45x
Groceries: 30x

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