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Cash back site: strategy for optimizing your online purchases

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Cash back site: strategy for optimizing your online purchases
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With the inflation of recent years making itself felt in our wallets, it’s worth revisiting our strategies for saving more on our purchases, whether through discounts or cash back.

If you prefer online shopping to in-store purchases, this strategy will help you earn cash back at your favorite retailers, while getting the best prices.

Cashback – The strategy

Fortunately, there’s no shortage of options when it comes to rewarding yourself for your online purchases. Shopping portals make it easy to accumulate cash back and points or miles linked to various reward programs.

Many of these portals are linked to rewards programs: Aeroplan eStore, Avion Rewards, Scene+ by Rakuten, airmilesshops.ca and many others. These are great for earning travel rewards, for example, but in the current economic climate, many people prefer to earn cash back rather than points from rewards programs.

If this is your case, we advise you to turn to our strategy, which combines :

Optimize your cashback on online purchases

Boomerang Club

Club Boomerang is a Quebec-based online shopping portal launched by François Charron. By joining the Club Boomerang, you gain access to cash rebates offered by numerous retailers on your online purchases.

A large number of merchants partner with the Club Boomerang to offer cashback. These are divided into different categories:

  • At home
  • Beauty and well-being
  • Office
  • Electronics
  • Kids
  • Leisure and entertainment
  • Fashion
  • Sports and outdoors
  • Vacation
Cash back site: strategy for optimizing your online purchases - Boomerang 6

Club Boomerang also offers a « Coupons and promo codes » section, where you can get the best prices in addition to cash back, or other benefits such as free delivery. Don’t miss these exclusive offers!

Cash back site: strategy for optimizing your online purchases - Club Boomerang coupons rabais

As with other portals (Rakuten, Aeroplan eStore, Avion Rewards), you can add the Chrome extension to your browser. When you shop online, it will alert you when there’s an opportunity to get cash back from a merchant. You can then activate the discount with a single click!

Cash back site: strategy for optimizing your online purchases - Club Boomerang extension chrome

For several months now, Club Boomerang has also been offering the Ambassador program, which allows users to share their favorite products with affiliate links, allowing them to earn even more cash back.

Carte de crédit Remises Tangerine

La Carte Remises Tangerine Mastercard est sans frais annuels et offre des remises en argent.

Avec cette offre de bienvenue d’une durée limitée, vous pouvez obtenir 10 % de remises supplémentaires (jusqu’à 100 $) quand vous dépensez jusqu’à 1 000 $ en achats courants pendant les 2 premiers mois.

Vous pouvez choisir deux à trois catégories d’achats qui vous intéressent (épicerie, essence, ameublement, rénovation, factures récurrentes, pharmacie etc.) afin d’accumuler 2 % de remise en argent ! Et ce, sans aucune limite annuelle de remises en argent. C’est d’ailleurs l’une des meilleures cartes de crédit pour les rénovations.

De plus, la Carte Remises Tangerine Mastercard offre plusieurs assurances pour vos achats :

  • Assurance achat de 90 jours
  • Garantie prolongée d’un an

Enfin, au cours des 30 premiers jours où vous détenez la carte, transférez des soldes de carte de crédit et payez seulement 1,95 % d’intérêt sur ces soldes pendant les 6 premiers mois.

Économies sur le carburant chez Shell

Tous les titulaires de carte Tangerine peuvent profiter de rabais et de récompenses sur le carburant chez Shell et avec Scène+MC en liant leurs cartes à leur compte Shell Go+. Obtenez une valeur allant jusqu’à 8 ¢/L avec une World Mastercard Remises ou une carte de crédit Remises Tangerine liée :

  • Rabais instantané de 3 ¢ par litre sur tous les types d’essence Shell.
  • Jusqu’à 3 ¢ par litre en remise lorsque l’essence est sélectionnée comme catégorie à 2 %.
  • 1 ¢ par litre en valeur de points Scène+MC sur tous les types d’essence Shell, ou 2 ¢ par litre en valeur de points Scène+MC sur le carburant Shell V-PowerMD lorsque votre compte Scène+MC est lié à Shell Go+.

Tangerine Money-Back Credit Card

TangerineCash Back
Annual fee
$0
Our valuation
$100
Milesopedia first-year estimateFirst-year valueWelcome bonus$100Total$100Rewards 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 $100
Ends Sep 30, 2026
Apply Now

on Tangerine's website

Terms of the offer

  • No annual fee
  • 2% cashback on your choice of up to 3 categories, 0.5% money back on all other purchases
  • Change your 2% Money-back categories to suit your spending from your choice of 10 categories
  • Personalized categories and unlimited money-back rewards monthly
  • Automatic earning: Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
  • 1.95% on Balance Transfers for six months

 
Legal

*Conditions apply.

† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.

† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.

The Tangerine Money-Back Credit Card has no annual fee and offers cash back.

With this limited-time welcome offer, you can earn an additional 10% cash back (up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.

You can choose two to three purchase categories that interest you (groceries, gas, home furnishings, renovations, recurring bills, pharmacy, etc.) to earn 2% cash back ! And there’s no annual cash-back limit. It is one of the best credit cards for renovations.

In addition, the Tangerine Mastercard offers several insurance coverages for your purchases :

  • 90 days purchase insurance
  • One year extended warranty

Finally, during the first 30 days you hold the card, transfer credit card balances and pay only 1.95% interest on these balances for the first 6 months.

Save on fuel with Shell

All Tangerine cardholders can get savings and rewards on fuel with Shell and Scene+ when you link your cards to your Shell Go+ account. Get up to 8¢/L in value with a linked Money-Back World Mastercard or Money-Back Credit Card:

  • Instant savings of 3¢ per litre on all grades of Shell fuel.
  • Earn up to 3¢ per litre in cash back with fuel selected as a 2% category.
  • Earn 1¢ per litre in Scene+ points value on all grades of Shell fuel, or 2¢ per litre in Scene+ points value on Shell V-Power® when you link your Scene+ Account to Shell Go+.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$12,000
Household$12,000

Conversion fees

2.5%

Earning rate

  • 2xGas & EV
  • 2xGroceries
  • 0.5xAll spending

Value

1st Year Value$415
2nd Year Value$246

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years

Here are the 10 categories you can choose from to earn more cash back outside the Tangerine Money-Back Credit Card welcome offer period:

  • Groceries
  • Furniture
  • Restaurants
  • Hotels and motels
  • Gas
  • Recurring bills payments
  • Drugstores
  • Home Improvement
  • Entertainment
  • Public transportation and parking
Cash back site: strategy for optimizing your online purchases - Tangerine categories remises

Examples of maximizing cash back

For example, at the time of writing, you might get :

That’s a 20% discount combined with a total cashback of 14%! Although it is possible to get the Tangerine Money-Back Credit Card discount also with in-store purchases, the Club Boomerang cashback would not apply, nor some of the discounts offered, without making the purchase online through the portal.

Bottom Line

For those who prefer shopping from the comfort of home to in-store shopping, this strategy will enable you to get maximum cash back from many retailers, and to go after the best prices.

While you can often pick up lots of reward program points with similar online shopping portals, sometimes you’re looking for the simplicity of cash back, and that’s exactly what Club Boomerang does.

Our credit card selection
Credit cardAnnual feeWelcome offer
Tangerine® Money-Back World Mastercard®*
Apply Now
Annual fee$0Welcome offer
Up to $100Ends Sep 30, 2026
Apply Now
Tangerine Money-Back Credit Card
Apply Now
Annual fee$0Welcome offer
Up to $100Ends Sep 30, 2026
Apply Now

Our featured card

Scotia Momentum® Visa Infinite +* Card

ScotiabankCash BackFirst-Year Annual Fee Rebate
Annual fee
$0 $120
No annual fee the first year
Our valuation
$420
Milesopedia first-year estimateFirst-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
+ First Year Annual Fee Rebate
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

The Scotia Momentum® VISA Infinite*+ card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite+ Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum® VISA Infinite+ card, you get:

  • 4% cash back on grocery purchases and recurring payments
  • 2% cash back on gas purchases, public transit, carpooling, and food delivery
  • 1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

Legal

1 Offer Terms and Description: The 15% cash back, 0% introductory balance transfer rate, and first-year annual fee waiver offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite+ credit card accounts (the “Accounts”) opened, and any additional cards issued, between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the Account), subject to the terms and conditions set out below. We will waive the initial annual fees, for the first year only, for the primary card and for each additional card. The Offer may be changed, cancelled, or extended at any time, without notice, and cannot be combined with any other offer.

Description and Terms of the 15% Cash Back Offer: You will receive 15% cash back on the first $2,000 in eligible purchases charged to your new Account during the three months following its opening date (the “Promotional Period”). Eligible purchases mean purchases, minus refunds, returns, and any similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, and card and other fees. After the Promotional Period, you will earn the usual cash back on your purchases, at the regular rate (the “Program Cash Back Rate”) described in the Scotia Momentum Visa Infinite+ cash back program terms (the “Program Terms”). The 15% cash back rate for each category is the sum of the regular cash back rate (which varies by category) and the bonus cash back rate that varies during the Program Cash Back Rate (the “cash back rate”).

The cash back earned under this offer will be credited to your Account, provided it is open and in good standing on the cash back payment date.
1. Bonus Cash Back Rate: Cash back earned at the Bonus Cash Back Rate may be credited to your Account approximately 5 months following its opening date, or otherwise, in accordance with the Program Terms.
2. Regular Cash Back Rate: Cash back earned at the Program Regular Cash Back Rate may be used as described in the Program cash back.

EXAMPLE: If the Program Regular Cash Back Rate for grocery purchases and recurring payments is 4%, the Bonus Cash Back Rate will then be 11% for that purchase category, so that all eligible everyday purchases in this category will qualify for a total cash back of 15% during the Promotional Period, on the first $2,000 in purchases. If you make eligible everyday purchases at grocery stores and recurring payments totalling $2,000, the cash back credited to your Account for this category will be calculated as follows:
(1) a Bonus Cash Back of $220 (11% x $2,000), credited as an adjustment on your statement, and (2) the Regular Cash Back of $80 (4% x $2,000), which will appear on your monthly statements as it is earned.

All other program terms continue to apply during the Offer period.

Description and Terms of the 0% Introductory Balance Transfer Offer: The 0% introductory interest rate offer on balance transfers (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and quasi-cash transactions, collectively referred to as “cash advances”), subject to the conditions below. This introductory rate applies for 12 months from this date (the “Promotional Period”). After the Promotional Period, the interest rate on cash advances covered by the 0% promotional rate (including any outstanding balance of such cash advances at the end of the Promotional Period) will revert to the preferred interest rate applicable to cash advances (currently 22.99%). A fee corresponding to 2% of the amount of any cash advance made during the Promotional Period applies (minimum fee of $5.00).

The Offer is subject to any cash advance limit on your Account. This Offer is also based on your approved credit limit on the date of this Offer. This means that if the sum of transferred balances exceeds the approved credit limit, balance transfers may not be processed. This Offer cannot be used to transfer a balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account.

Cancellation of the promotional rate: If we do not receive your minimum payment by its due date shown on your statement twice in a row, you will lose the benefits of this special rate offer and your interest rates will revert to the annual rates normally applicable to your Account (currently 25.99% for purchases and 27.99% for cash advances).

Application of Payments: For residents of Quebec: In general, if one or more interest rates apply to your Account, we apply payments according to the interest rate(s) applicable to the transactions posted to your Account (from highest to lowest rate). For residents outside Quebec: In general, if you make a payment greater than the minimum amount shown on your statement, the difference is applied proportionally to the different groups of charges billed to your Account. Charges are grouped based on the interest rate applicable to them. Your payment cannot be applied to the balance of your choice. Consult your credit card agreement for more information on how payments are applied to your Account.

Description and Terms of the Annual Fee Waiver Offer: We will waive the annual fees, for the first year only, for the primary card and for each additional card issued between July 2, 2026, and November 1, 2026.

Eligibility and Exclusions: You are not eligible for this Offer if you are currently a primary or secondary holder of a Scotiabank personal credit card or have been within the last two years, including if you transfer your balance from a Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, holders of a Scotiabank small business credit card are eligible for this Offer. By accepting this Offer, you confirm that you meet all eligibility requirements. We reserve the right to revoke this Offer at any time if we determine that you do not meet the eligibility requirements, including after its acceptance or the opening of the Account.

Rates and Fees: The current annual fees are $120 for the primary card and $50 for each additional card (including those issued for co-account holders and additional cardholders). The current preferred annual interest rates applicable to the Account are: 20.99% on purchases and 22.99% on cash advances. Rates, fees, features, and benefits, which are described in the application disclosure, may be changed.

Annual fee

Primary card$120
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 4xGroceries
  • 4xBills & recurring payments
  • 4xTelecom
  • 2xGas & EV
  • 2xTransit
  • 2xStreaming
  • 1xAll spending

Value

1st Year Value$1,212
2nd Year Value$408

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 15 days
Travel medical (55-64)Up to $1,000,000 / 15 days
Trip InterruptionUp to $2,000
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.