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Best Cash Back Credit Cards in Canada

Cash back credit cards keep rewards simple by earning money back on your everyday spending instead of points or miles.

Below are the cash back credit cards currently covered on PointsWise, including their earn rates, welcome bonuses, annual fees and full reviews.

Cash Back Credit Cards

Which Cash Back Credit Card Should You Choose?

The best cash back card depends on where you spend the most and whether the rewards you earn justify the annual fee.

When comparing cards, look at:

  • Cash back rates in the categories where you spend most
  • Annual fee
  • Welcome bonus
  • Spending caps or limits on higher earn rates
  • Insurance and other card benefits

The highest advertised cash back rate is not always the best value if it only applies to a small portion of your spending.

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PointsWise helps Canadians find the best Amex cards and maximize every point.

Compare offers, track welcome bonus trends, and use proven strategies to earn more rewards on everyday spending and travel.

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