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Best Cash Back Credit Cards in Canada 2026

Wwerixopeko5086·March 4, 2026·1 min read
Card Score
4.7/ 5.0

Bankrate's Take

Compare the top cash back credit cards in Canada and find the card that pays you the most.

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By werixopeko5086

💳Top Canadian Pick

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Pros

  • High cash back in multiple categories
  • No foreign transaction fee options
  • Newcomer-friendly, no credit history required

Cons

  • Premium cards carry high annual fees
  • APR increases significantly after intro period
  • Limited redemption options for points
Annual Fee$0 – $120
Intro APR0% intro APR (1st year)
Regular APR19.99% – 22.99%
Rewards Rate1.5% – 4% cash back
Welcome BonusEarn $200 after $500 spend
Recommended CreditGood to Excellent

💡Key Takeaways

  • Compare the top cash back credit cards in Canada and find the card that pays you the most

Cash back credit cards are one of the easiest ways to earn rewards on everyday spending.

Top Picks

The Scotia Momentum Visa Infinite offers 4% cash back on groceries.

W

werixopeko5086

Financial Content Editor · MoneySmart

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