Cash back site: strategy for optimizing your online purchases

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 :

Club Boomerang cash back portal
a cash-back credit card such as the Tangerine Money-Back Credit Card

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-Power^MD lorsque votre compte Scène+^MC est lié à Shell Go+.

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Tangerine Money-Back Credit Card

Tangerine Cash Back

Annual fee: $0
Our valuation: $100Milesopedia first-year estimate First-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.; 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

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.

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 :

4% cash back at Yves Rocher through Club Boomerang
10% cash back when you pay with your Tangerine Money-Back Credit Card during the welcome offer period.
A 20% discount according to the « Coupons and discounts » section

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 card	Annual fee	Welcome offer
Tangerine^® Money-Back World Mastercard^®* Apply NowCompare	Annual fee$0	Welcome offer Up to $100Ends Sep 30, 2026	Apply NowCompare
Tangerine Money-Back Credit Card Apply NowCompare	Annual fee$0	Welcome offer Up to $100Ends Sep 30, 2026	Apply NowCompare

FeaturedCompare

Marriott Bonvoy^® American Express^®* Card

American Express Marriott Bonvoy

Annual fee: $120
Our valuation: $990Milesopedia first-year estimate First-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards 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 110,000 points; Ends Sep 22, 2026

Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy^® American Express^®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy^® points with the current offer:

Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

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American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.