Top 10 Cash Back Credit Card Offers – April 2025

CIBC Dividend^® Visa Infinite* Card

The CIBC Dividend® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada.

Right now, with this welcome offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements) and a rebate on your first year’s annual fees^†!

Plus, receive $50 cash back when you set up a pre-authorized payment within the first 4 months.

With this CIBC cash back credit card, you earn:

• 4% cash back on gas, EV charging, and grocery purchases^†
• 2% cash back on eligible transportation, dining purchases and recurring payments^†
• 1% cash back on all other purchases^†

For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!

And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).

And this CIBC Cash Back Credit Card offers many insurance coverages:

• Auto Rental Collision/Loss Damage Insurance
• $500,000 Common Carrier Accident Insurance
• Out-of-Province Emergency Travel Medical Insurance
• Purchase Security and Extended Protection Insurance

TD Cash Back Visa Infinite* Card

With the TD Cash Back Visa Infinite* Card, you earn 3% in Cash Back Dollars on:

• Grocery stores
• Gas stations
• Recurring invoices

And 1% cash back on all other purchases.

It’s the best TD cash back credit card, especially for gas purchases.

With this new welcome offer, you could earn 10% cash back on gas and grocery purchases and pre-authorized payments for the first three months (up to $3,500 in purchases). So you can earn up to $350 cash back!

Plus, a first-year annual fee rebate for the Primary and Additional Cardholders.

Finally, you have good insurance coverage, such as travel medical insurance, delayed or lost baggage insurance, collision/loss damage insurance for car rentals and mobile device insurance.

BMO CashBack^® World Elite^®* Mastercard^®*

BMO CashBack® World Elite®* Mastercard®* is one of Canada’s best cash back Mastercard credit cards.

Right now, for a limited time, you’ll get up to 10% cash back for the first 3 months, for a maximum return of $260 on $2,600 in purchases.

You’ll also receive an additional $75 bonus if you spend at least $25,000 in the first year.

Plus, there is no annual fee for the first year!

With BMO CashBack® World Elite®* Mastercard®*, you get between 2% and 5% cash back on many categories of purchases:

• 5% on grocery purchases (on the first $500 you spend monthly)
• 4% on transit (on the first $300 you spend monthly)
• 3% on gas and electric vehicle charging (on the first $300 you spend monthly)
• 2% on recurring bill payments (on the first $500 you spend monthly)

Everywhere else, you’ll earn 1% cash back, including at Costco.

Finally, it is one of the only credit cards in its category to offer an extended warranty of 2 additional years.

RBC Cash Back Preferred World Elite Mastercard

For a limited time, earn 12% cash back on up to $2,000 in purchases. That’s a $240 bonus!

With the RBC Cash Back Preferred World Elite Mastercard, earn 1.5% cash back on all your purchases, including at Costco. And there’s no annual limit.

In addition, you get several benefits such as:

• Instant fuel savings at Petro-Canada
• 12 Months of Free Delivery With Doordash

Finally, the RBC Cash Back Preferred World Elite Mastercard is ideal for protecting your purchases. You get:

• Premium purchase protection for 120 days
• Extended warranty triples the manufacturer’s original Canadian warranty

Scotia Momentum^® VISA Infinite* Card

The Scotia Momentum® VISA Infinite* card is recognized year after year as one of the best cash-back credit cards in Canada.

Currently, there is no annual fee in the first year, including on additional cards. And you can earn 10% cash back on all purchases for the first three months (up to $2,000 in total purchases).

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

• 4% on groceries and recurring payments
• 2% on gas and daily transit
• 1% cash back on all other purchases

For example, if you spend $1,000 per month on groceries and/or recurring payments, you’ll earn $40 cash back per month, or $480 cash back per year with this card for this category of purchases! And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).

If you rent, for example, you could use the Scotia Momentum® Visa Infinite* Card on the Chexy website to pay your rent and get 4% cash back!

The Scotia Momentum® VISA Infinite* card is an excellent Visa credit card for cash back.

And its insurance benefits are excellent!

CIBC Dividend Platinum^® Visa* Card

If you don’t meet the income requirements for the CIBC Dividend® Visa Infinite* Card, you could apply for the CIBC Dividend® Platinum Visa* Card. The minimum annual income required for this card is $15,000 (household).

With this offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements) and a rebate for your first year’s annual fees!^†

Plus, receive $50 cash back when you set up a pre-authorized payment within the first 4 months.

With the CIBC Dividend® Platinum Visa* Card, you get:

• 3% cash back on eligible gas, EV charging, and grocery purchases.^†
• 2% cash back on eligible transportation, dining purchases and recurring payments^†
• 1% cash back on all other purchases^†

And this CIBC Cash Back Credit Card offers some insurance coverage:

• Auto Rental Collision/Loss Damage Insurance
• $500,000 Common Carrier Accident Insurance
• Purchase Security and Extended Protection Insurance

Rogers Red World Elite^® Mastercard^®

Rogers Red World Elite® Mastercard® is one of the best no-annual-fee cash-back credit cards in Canada.

With Rogers Red World Elite® Mastercard®, you get 2% cash back on all eligible purchases (including Costco) if you have an eligible service with Rogers, Fido or Shaw.

Alternatively, earn 1.5% unlimited cash back on all eligible purchases in currencies other than U.S. dollars.

Receive 3% cash back on all eligible purchases in U.S. dollars (making this credit card particularly suitable for snowbirds) and a 50% bonus on the value of your cash back every time you redeem it for Rogers, Fido or Shaw products.

Moreover, Rogers customers get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $80 value).

As Rogers Red World Elite® Mastercard® is a World Elite Mastercard, you benefit from a free subscription to Mastercard Travel Pass (offered by DragonPass) giving access to over 1,300 airport lounges worldwide (US$32 per person per visit).

Finally, you’re protected by a wide range of insurance coverages, such as :

• Extended Warranty and Purchase Protection
• Rental Car Collision/Damage
• Out-of-province/country emergency medical care
• Trip Interruption Insurance
• Trip Cancellation Insurance

Rogers Mastercard^®

Rogers Red Mastercard® is one of the best no-annual-fee credit cards in Canada, especially for Rogers, Fido and Shaw customers.

Right now, you can earn $60 cash back by making one purchase with your mobile wallet in the first 90 days AND 6 automatic payments from your Rogers, Fido or Shaw postpaid service in the first 8 months.

With Rogers Red Mastercard®, and having a single eligible service with Rogers, Fido or Shaw, you can earn 2% unlimited cash back on all eligible purchases.

Eligible services include :

• Rogers Mobile
• Fido Mobile
• Rogers, Fido, or Shaw Home (Internet, TV, home phone, home monitoring, or satellite)

This card is therefore also available to Quebec residents who have mobile service with Rogers or Fido!

Plus, you get 1.5 times the cash back every time you use it for eligible purchases at Rogers, Fido or Shaw – that’s 3% cash back!

Moreover, as a Rogers Red Mastercard® cardholder, you’ll get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $80 value)

If you’re not a Rogers, Fido or Shaw customer, you’ll earn 2% cash back on eligible U.S. dollar purchases and 1% cash back on all other eligible purchases.

American Express Cobalt^® Card

The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

The welcome bonus is distributed monthly for the first 12 months. You’ll earn 1,250 Membership Rewards points for every $750 in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That’s up to 15,000 Membership Rewards points.

You can easily use these points as statement credits for everyday or travel purchases. The value is the same for both: 1,000 points = $10.

Alternatively, transfer them to Aeroplan points, Avios (British Airways/Qatar Airways), Flying Blue, Marriott Bonvoy, or Hilton Honors.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

• 15,000 Aeroplan points
• 15,000 Avios points
• 11,250 Flying Blue Miles
• 18,000 Marriott Bonvoy points

With the American Express Cobalt® Card, you can earn between 1 and 5 points per dollar:

This is a 1 to 5% return on all these purchases.

For example, if you spend $1,000 per month on groceries and/or restaurants and/or food delivery, you’ll earn $50 cash back per month, or $600 cash back per year with this card for this category of purchases!

And if you decide to transfer your points to other programs like Aeroplan, you could get even more value!

In addition, this card provides excellent insurance coverage: rental car theft and damage, baggage delay, lost or stolen baggage, flight delay, $250,000 travel accident, hotel or motel burglary, Mobile Device Insurance, Purchase Security, Purchase Protection Insurance.

Like all American Express Canada Cards, there is no minimum income requirement.

SimplyCash Preferred from American Express

The SimplyCash® Preferred Card from American Express is the only credit card in Canada to earn 2% cash back on all purchases. In addition, you get :

• 4% cash back on gas purchases
• 4% cash back on grocery purchases

With this welcome offer, you can earn 10% cash back on all purchases (up to $2,000) for the first 3 months, or up to $200. Plus, receive a $50 statement credit after making a purchase in the 13th month.

The SimplyCash® Preferred Card from American Express Card is especially popular with those who have significant purchases to make: home improvement, furniture or appliance purchases since it offers 2% cash back at all stores.

This Card is stands out by the many insurances it offers : rental car theft and damage, $100,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delay and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

BMO AIR MILES World Elite Mastercard

With this exclusive offer for the BMO AIR MILES World Elite Mastercard, earn up to 7,000 bonus AIR MILES:

• 3,000 miles after $4,500 in purchases in the first 110 days
• 2,000 additional miles after $10,000 in total purchases (including the $4,500 from the previous condition) within 180 days
• 2,000 additional miles after $20,000 in total purchases (including all expenses under the previous conditions) in the first year

What’s more, you pay no annual fee for the first year. This is the highest offer ever seen for this card! Plus, save up to 32¢/L at Shell for a limited time only!

With this card, you earn 3 miles for every $12 spent at participating AIR MILES Partners. Then, earn 2 miles for every $12 in purchases at any eligible grocery store and wholesale club (warehouse like Costco) or alcohol retailer (SAQ, LCBO, etc.). Everywhere else, you’ll earn 1 AIR MILES mile for every $12 in purchases, including Walmart.

What’s more, it’s the only AIR MILES credit card in Canada to offer a 25% discount on AIR MILES flights to any destination during the calendar year.

The BMO® AIR MILES® World Elite®* Mastercard®* card also offers:

• 7 ¢/L discount on Shell V-Power fuel and 2 ¢/L discount on all other Shell fuels
• Excellent insurance for your travels and purchases
• 2X miles for car rentals with National or Alamo