{"id":494263,"date":"2026-05-05T07:00:00","date_gmt":"2026-05-05T11:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=494263"},"modified":"2026-05-05T07:32:35","modified_gmt":"2026-05-05T11:32:35","slug":"best-cash-back-cards","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/best-cash-back-cards\/","title":{"rendered":"Best Cash Back Credit Cards in Canada: Which One Is Right for You?"},"content":{"rendered":"\n<p>Credit card reward programs are an incredible tool to help you save money on your day-to-day purchases, but for many of us, the idea of navigating a complicated points program can often feel like another chore added to an already much-too-long list.<\/p>\n\n\n\n<p>For those of us who are looking to get rewarded when we spend, but without having to learn about saving and redeeming points, cash back credit cards are a great solution.<\/p>\n\n\n\n<p>Cash back credit cards offer a simple, straightforward earning structure and guaranteed value, making it easy to track and enjoy your savings.<\/p>\n\n\n\n<p>In this article, we&#8217;ll introduce <strong>5 of our favourite cash back credit cards in Canada<\/strong>, and give you some side-by-side comparisons and spending examples to help you choose the best possible card.<\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/04\/Woman-paying-bills-on-her-laptop.png\" alt=\"Woman paying bills on her laptop\" loading=\"lazy\" width=\"1012\" height=\"532\">\n\t\t\t<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-cash-back-card\">How to Choose the Right Cash Back Card<\/h2>\n\n\n\n<p>With so many credit card options available, it can sometimes feel overwhelming trying to figure out exactly which card is best for you. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-considerations\">Key Considerations<\/h3>\n\n\n\n<p>To choose the right cash back card for your financial situation and spending habits, there are a few key things to consider:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>Annual fee<\/strong>: How do you feel about paying an annual fee? Will you earn enough cash back to justify this cost? Most cash back credit cards have annual fees that range from $0 to $120, with some offering the first year&#8217;s fee for free to new cardholders.<\/li>\n\n\n\n<li><strong>Minimum income requirement:<\/strong> Before applying for a new credit card, it&#8217;s a good idea to make sure that you meet the minimum income requirement. By choosing a card that fits your income, you&#8217;ve got the best chance of being approved.<\/li>\n\n\n\n<li><strong>Earning rates and styles<\/strong>: Cash back cards offer a variety of different earning styles and rates, from flat-rate earnings to tiered category earnings to a choose-your-favourite-category structure. To maximize your return, it&#8217;s a good idea to take a look at your past spending to see which style will be most lucrative for you.<\/li>\n\n\n\n<li><strong>Spending category caps:<\/strong> Some cards limit their elevated cash back earning rates to a set monthly\/yearly spending amount. It&#8217;s worthwhile confirming these limits so that you don&#8217;t miss out on the best earning rates.<\/li>\n\n\n\n<li><strong>Redemption process<\/strong>: How do you prefer to get your cash back? Depending on the card, your cash back may be deposited automatically once a month or year, or you may need to request your funds at specific intervals and\/or amounts.<\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-cash-back-credit-cards-in-canada\">Best Cash Back Credit Cards in Canada<\/h2>\n\n\n\n<p>Now, with the above characteristics in mind, let&#8217;s take a look at our picks for the best cash back credit cards in Canada and their key details:<\/p>\n\n\n\n<div class=\"component component__list links\"><ul class=\"wp-block-list is-style-links\">\n<li><a href=\"#h-tangerine-money-back-credit-card\">Tangerine Money-Back Credit Card<\/a><\/li>\n\n\n\n<li><a href=\"#h-simplycash-preferred-card-from-american-express\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/a><\/li>\n\n\n\n<li><a href=\"#h-scotiabank-momentum-visa-infinite-card\">Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/a><\/li>\n\n\n\n<li><a href=\"#h-rogers-red-world-elite-mastercard\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/a><\/li>\n\n\n\n<li><a href=\"#h-bmo-cashback-world-elite-mastercard\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>In addition to all the cash back earning opportunities and benefits that we&#8217;ll mention below, <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\" target=\"_blank\" rel=\"noreferrer noopener\">each of these cards also typically offers a valuable welcome offer<\/a> to amp up your savings as soon as you start spending.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207228\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22687,22626,22637,22765,22676\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tangerine-money-back-credit-card\">Tangerine Money-Back Credit Card<\/h3>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/tangerine-money-back-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tangerine Money-Back Credit Card<\/a> comes with no annual fee and a low minimum income requirement of $12,000 personal income.<\/p>\n\n\n\n<p>This card is unique among its peers because you get to customize your earning categories to best suit your spending habits. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-earning-and-redeeming\">Earning and Redeeming<\/h4>\n\n\n\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-money-back-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tangerine Money-Back Credit Card<\/a>, you earn cash back on your purchases as follows:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Earn unlimited 2% cash back on 2 spending categories of your choosing<\/li>\n\n\n\n<li>Earn 0.5% cash back on all other purchases<\/li>\n\n\n\n<li>Unlock a third 2% cash back category if you have a <a href=\"https:\/\/milesopedia.com\/en\/savings-accounts\/tangerine-savings-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tangerine Savings Account<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>You can also change your 2% earning categories every 90 days to adapt to any changes in your spending habits. The spending categories that you can choose from are:<\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/04\/Best-Cash-Back-2026-Tangerine-spending-categories-EN-1024x312.png\" alt=\"Tangerine credit card spending categories\" loading=\"lazy\" width=\"1012\" height=\"308\">\n\t\t\t<\/figure>\n\n\n\n<p>The cash back you earn with the <a href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-money-back-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tangerine Money-Back Credit Card<\/a> is then deposited automatically every month either as a credit card statement or to your <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/tangerine-a-case-study\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tangerine Savings Account.<\/a><\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"181906\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-card-benefits\">Card Benefits<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-money-back-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tangerine Money-Back Credit Card<\/a> doesn&#8217;t offer much in the way of added benefits, though it is in line with many <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/no-fee\/\" target=\"_blank\" rel=\"noreferrer noopener\">no-annual-fee cards<\/a>.<\/p>\n\n\n\n<p>As a cardholder, you get a 15% discount at H&amp;R Block, plus extended warranty and purchase protection coverage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-who-s-the-card-best-for\">Who&#8217;s the Card Best For?<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-money-back-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tangerine Money-Back Credit Card<\/a> is good for someone who&#8217;s after a no-annual-fee card, or those with a lower income, <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/students\/\" target=\"_blank\" rel=\"noreferrer noopener\">like a student<\/a> or someone who&#8217;s only working part-time.<\/p>\n\n\n\n<p>It&#8217;s also a helpful card if you know that you mostly spend your money in 2 or 3 specific categories, or if you can take advantage of the ability to switch up the categories to match upcoming expenses. For example, if you know you have a big trip abroad and switch to the Foreign Currency Spend category, or you have a large home project and switch to the Home Improvement category.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22687\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"304422,207265\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-simplycash-preferred-card-from-american-express\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/h3>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/simplycash-preferred-from-american-express\/\" target=\"_blank\" rel=\"noreferrer noopener\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express <\/a>has a monthly fee of $9.99, except in Quebec, where the fee is $119 charged annually. The card also has no minimum income requirement, making it fairly accessible.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-earning-and-redeeming-0\">Earning and Redeeming<\/h4>\n\n\n\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/go\/amex-simplycash-preferred\/\" target=\"_blank\" rel=\"noreferrer noopener\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/a>, you can enjoy elevated cash back earning in two categories and a strong base rate on all other purchases:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>Earn 4% cash back on gas<\/strong><\/li>\n\n\n\n<li><strong>Earn 4% cash back on groceries*<\/strong><\/li>\n\n\n\n<li><strong>Earn 2% cash back on everything else<\/strong><\/li>\n<\/ul><\/div>\n\n\n\n<p>Take note that for the grocery earning category, the 4% cash back rate is available on the first $30,000 you spend each year, which is equivalent to $1,200 in cash back. After you hit this limit, the earning rate in this category becomes 2% for the rest of your account year.<\/p>\n\n\n\n<p>In terms of receiving your cash back: it&#8217;s automatically distributed once a year and will show up on the credit card statement you receive in September. Your balance will then reset.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-card-benefits-0\">Card Benefits<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/amex-simplycash-preferred\/\" target=\"_blank\" rel=\"noreferrer noopener\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/a> comes with a number of valuable benefits, including:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">Comprehensive travel insurance<\/a>, including emergency medical insurance, flight delay insurance, baggage insurance, hotel burglary insurance, lost and stolen baggage insurance, and travel accident insurance<\/li>\n\n\n\n<li>Car rental loss and damage insurance<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/insurance-mobile-devices\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mobile device insurance<\/a> and purchase protection coverage<\/li>\n\n\n\n<li>Access to Amex Experiences, Amex Front of the Line presales, Amex Reserved Tickets, and <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\" target=\"_blank\" rel=\"noreferrer noopener\">Amex Offers<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"70999,137724,192394\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-who-s-the-card-best-for-0\">Who&#8217;s the Card Best For?<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/amex-simplycash-preferred\/\" target=\"_blank\" rel=\"noreferrer noopener\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/a> is ideal for someone whose biggest spending categories are gas and groceries, and who shops at a grocery store that accepts American Express.<\/p>\n\n\n\n<p>The card&#8217;s lack of a minimum income requirement also makes it quite accessible\u2014as long as you&#8217;re okay with paying an annual fee.<\/p>\n\n\n\n<p>It can also be a very useful addition to your wallet if you can make use of the Amex Offers and Amex&#8217;s array of event\/experience benefits.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22626\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-scotiabank-momentum-visa-infinite-card\">Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/h3>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/a> is a good cash back Visa option for people whose biggest spending categories include gas and groceries. <\/p>\n\n\n\n<p>This card comes in with an annual fee of $120 (which is often waived), and a minimum income requirement of $60,000\u201380,000 individual or $100,000\u2013150,000 household, making it accessible to many.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-earning-and-redeeming-1\">Earning and Redeeming<\/h4>\n\n\n\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/a>, you can enjoy the following elevated earning rates across key spending categories:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>Earn 4% cash back<\/strong> <strong>on groceries, recurring bill payments and eligible subscriptions<\/strong> (with an annual spend limit of $25,000)<\/li>\n\n\n\n<li><strong>Earn 2% cash back on gas, EV charging, transit, taxis, rideshares, and food delivery<\/strong> (with an annual spend limit of $25,000)<\/li>\n\n\n\n<li><strong>Earn 1% cash back on everything else<\/strong><\/li>\n<\/ul><\/div>\n\n\n\n<p>Your earned cash back can be redeemed at any time as long as you have the minimum redemption amount of $25 (though smaller amounts are allowed at the bank&#8217;s discretion).<\/p>\n\n\n\n<p>Redemption requests are easily made through the <a href=\"https:\/\/www.scotiabank.com\/global\/en\/global-site.html\" target=\"_blank\" rel=\"noreferrer noopener\">Scotiabank app or website<\/a>, and you can have your cash back deposited as a statement credit on your Momentum card or into your <a href=\"https:\/\/milesopedia.com\/en\/offers\/bank-accounts\/forfaits-bancaires-scotia\/\" target=\"_blank\" rel=\"noreferrer noopener\">eligible Scotiabank chequing or savings account<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"84496\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-card-benefits-1\">Card Benefits<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/a> also gives cardholders a number of notable perks, including:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Comprehensive travel insurance: Emergency medical insurance, trip cancellation\/interruption insurance, flight delay insurance, <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/baggage-loss-rights-compensations\/\" target=\"_blank\" rel=\"noreferrer noopener\">delayed and lost baggage insurance<\/a>, travel accident insurance<\/li>\n\n\n\n<li>Car rental collision loss\/damage insurance<\/li>\n\n\n\n<li>Mobile device insurance, purchase protection, and extended warranty<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/shell-scene-partnership\/\" target=\"_blank\" rel=\"noreferrer noopener\">Save up to 10 cents per litre at Shell gas stations<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/news\/finance\/scotia-visa-infinite-free-gigsky-data-and-2026-updates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Complimentary 10 GB global data for up to 15 consecutive days through GigSky<\/a>, plus further free data and discounts; Visa Infinite travel benefits; and discounts on Avis and Budget car rentals<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"482431,491648,247858\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-who-s-the-card-best-for-1\">Who&#8217;s the Card Best For?<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/a> is a great card choice for someone who spends frequently on groceries and gas and would like the convenience of a Visa card.<\/p>\n\n\n\n<p>Offering similar earning rates (though ever-so-slightly lower) to the <a href=\"https:\/\/milesopedia.com\/en\/go\/amex-simplycash-preferred\/\" target=\"_blank\" rel=\"noreferrer noopener\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/a> above, but with the wider acceptance of Visa, the <a href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/a> is another great way to save on key expenses each month.<\/p>\n\n\n\n<p>This card is also a solid choice for a traveller who&#8217;s looking to <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-credit-cards-gas\/\" target=\"_blank\" rel=\"noreferrer noopener\">save on gas<\/a> for their road trip, and on travel insurance, car rental insurance, and data for a trip abroad.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"194696\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rogers-red-world-elite-mastercard\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/h3>\n\n\n\n<p>The next cash back credit card on our list is the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/rogers-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/a>, another strong no-annual-fee contender. <\/p>\n\n\n\n<p>This card is particularly valuable for customers of Rogers, Fido, Shaw, and Comwave, for travellers, and for those who spend in US dollars, thanks to the earning rates and benefits on offer.<\/p>\n\n\n\n<p>As a World Elite Mastercard, the card does require a minimum income of $80,000 individual or $150,000 household, so this may be a limiting factor for some. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-earning-and-redeeming-2\">Earning and Redeeming<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/rogers-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/a> has a unique rewards structure that gives extra earning and redeeming power to eligible Rogers, Fido, Shaw, and Comwave customers. <\/p>\n\n\n\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/go\/rogers-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/a>, you earn as follows:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Earn 3% cash back on eligible purchases made in US dollars<\/li>\n\n\n\n<li>Earn 2% cash back on all eligible purchases if you have a qualifying service with Rogers, Fido, Shaw, or Comwave<\/li>\n\n\n\n<li>Earn 1.5% if you&#8217;re not a Rogers, Fido, Shaw, or Comwave customer<\/li>\n<\/ul><\/div>\n\n\n\n<p>Plus, you get 1.5x your cash back when you redeem your cash back for eligible Rogers, Fido, Shaw, or Comwave purchases. This means that <strong>eligible customers get up to 3% in value<\/strong> (2% cash back + 1.5x redemption value).<\/p>\n\n\n\n<p>Additionally, redeeming your cash back is easily done, whenever you want, via the Rogers Bank app and website.<\/p>\n\n\n\n<p>The minimum redemption amount is $10, and eligible customers can apply their cash back to their Rogers, Fido, Shaw, or Comwave bill for 1.5x the value. Otherwise, you can redeem your cash back at face value for purchases made on the card in the last 90 days.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-card-benefits-2\">Card Benefits<\/h4>\n\n\n\n<p>The perks that come with the <a href=\"https:\/\/milesopedia.com\/en\/go\/rogers-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/a> are fairly travel-focused, nicely complementing the 3% earning rate on US dollar spend.<\/p>\n\n\n\n<p>With this card, you can enjoy the following:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>5 Roam Like Home Days (value of $80+)<\/li>\n\n\n\n<li>Travel insurance, including emergency medical insurance, <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/cancellation-interruption-travel-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">trip interruption and cancellation insurance<\/a><\/li>\n\n\n\n<li>Rental car collision\/damage insurance<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">Extended warranty<\/a> and purchase protection<\/li>\n\n\n\n<li>Save on eligible Rogers or Fido services with Auto-Pay<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"132067,130338\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-who-s-the-card-best-for-2\">Who&#8217;s the Card Best For?<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/rogers-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/a> is a strong choice for eligible Rogers, Fido, Shaw, and Comwave customers who can take advantage of both the 2% cash back rate AND the 1.5x redemption rate.<\/p>\n\n\n\n<p>It&#8217;s also great for travellers who spend a lot of time in the US or those who spend frequently in US dollars, thanks to the strong 3% earning rate on USD.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22765\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bmo-cashback-world-elite-mastercard\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/h3>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-cashback-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a> is an excellent premium card, offering the highest cash back rates of this comparison.<\/p>\n\n\n\n<p>The card has an annual fee of $120 and a minimum income requirement of $80,000 individual and $150,000, which is standard for World Elite Mastercards.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-earning-and-redeeming-3\">Earning and Redeeming<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/bmo-cashback-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a> earns cash back in a tiered structure, with spending caps on the elevated categories:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Earn 5% cash back on groceries (on the first $500 you spend per statement cycle)<\/li>\n\n\n\n<li>Earn 4% cash back on transit (on the first $300 you spend per statement cycle)<\/li>\n\n\n\n<li>Earn 3% cash back on gas and EV charging(on the first $300 you spend per statement cycle)<\/li>\n\n\n\n<li>Earn 2% cash back on recurring bill payments (on the first $500 you spend per statement cycle)<\/li>\n\n\n\n<li>Earn 1% cash back on all other purchases<\/li>\n<\/ul><\/div>\n\n\n\n<p>Once you&#8217;re ready to cash in your rewards, you can request one-time cash back deposits of as little as $1, via the BMO app or website. You can also set up a recurring redemption of $25 or more that will be deposited monthly (if there&#8217;s sufficient cash back available) 2\u20135 business days after your statement cycle ends.<\/p>\n\n\n\n<p>Cash back will be deposited into your eligible BMO chequing, savings, or InvestorLine account, or as a statement credit on your card.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-card-benefits-3\">Card Benefits<\/h4>\n\n\n\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/go\/bmo-cashback-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a>, you can take advantage of the following perks:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Discounts on car rentals with National, Alamo, and Enterprise, and a complimentary roadside assistance program<\/li>\n\n\n\n<li>Emergency medical insurance, flight delay insurance, baggage insurance, hotel burglary insurance, common carrier insurance, and rental car collision\/loss damage insurance<\/li>\n\n\n\n<li>Complimentary Mastercard Travel Pass provided by <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noreferrer noopener\">DragonPass<\/a>, giving you <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/free-airport-lounge-access\/\" target=\"_blank\" rel=\"noreferrer noopener\">access to the network of 1,400 airport lounges<\/a> (each visit costs around $32 USD per person)<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/bmo-instacart-partnership-savings\/\" target=\"_blank\" rel=\"noreferrer noopener\">6 months of Instacart+ for free<\/a>, plus $10\/month Instacart credit when you link your BMO credit card<\/li>\n\n\n\n<li>Purchase protection, extended warranty, and Mastercard Travel Rewards perks and benefits<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"470377,204105,49443\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-who-s-the-card-best-for-3\">Who&#8217;s the Card Best For?<\/h4>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/bmo-cashback-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a> is a solid choice if you want to enjoy high cash back earning rates and your monthly spending fits within the card&#8217;s capped amounts in each spending category. <\/p>\n\n\n\n<p>The card also offers helpful travel perks like travel insurance coverage, discounts on car rentals, and airport benefits, which make it attractive to any traveller looking to save money and enjoy some extra comfort.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='swiper-m'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--swiper-m container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22676\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"swiper-slide\">\n\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div><\/div>\n\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-cash-back-can-you-earn\">How Much Cash Back Can You Earn?<\/h2>\n\n\n\n<p>With so many categories and variants around earning rates, it can be difficult to sort out which card is REALLY best for you.<\/p>\n\n\n\n<p>To help get a realistic sense of the cash back you could earn, let&#8217;s look at a couple of monthly spending examples to see what you might expect.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-example-1-family-of-four\">Example 1 &#8211; Family of Four<\/h3>\n\n\n\n<p>For this first example, let&#8217;s see how much cash back a family of four might earn each month, with groceries as their largest expense and lots of money being spent in the &#8220;all other purchases&#8221; category:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Spending Category + Amount $<\/th><th class=\"has-text-align-center\" data-align=\"center\"> Tangerine Money-Back Credit Card<\/th><th class=\"has-text-align-center\" data-align=\"center\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/th><th class=\"has-text-align-center\" data-align=\"center\">Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/th><th class=\"has-text-align-center\" data-align=\"center\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Groceries: $1,200<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $24<\/td><td class=\"has-text-align-center\" data-align=\"center\">4% = $48<\/td><td class=\"has-text-align-center\" data-align=\"center\">4% = $48<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $24<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%, then 1% after $500 = $32<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Gas: $400<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><td class=\"has-text-align-center\" data-align=\"center\">4% = $16<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><td class=\"has-text-align-center\" data-align=\"center\">3%, then 1% after $300 = $10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Recurring bills: $400<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><td class=\"has-text-align-center\" data-align=\"center\">4% = $16<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Dining out: $300<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5% = $1.50<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $6<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% = $3<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $6<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% = $3<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>All other purchases: $1,000<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5% = $5<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $20<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% = $10<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $20<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% = $10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total monthly cash back<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$46.50<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$98<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$85<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$66<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$63<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Annual cash back<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$558<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$1,176<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$1,020<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$792<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$756<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-example-2-urban-couple\">Example 2: Urban Couple<\/h3>\n\n\n\n<p>For this second example, let&#8217;s look at the potential cash back for a couple in the city with no car, who go out to restaurants\/bars a few times a week:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Spending Category + Amount $<\/th><th class=\"has-text-align-center\" data-align=\"center\"> Tangerine Money-Back Credit Card<\/th><th class=\"has-text-align-center\" data-align=\"center\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/th><th class=\"has-text-align-center\" data-align=\"center\">Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/th><th class=\"has-text-align-center\" data-align=\"center\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Groceries: $700<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $14<\/td><td class=\"has-text-align-center\" data-align=\"center\">4% = $28<\/td><td class=\"has-text-align-center\" data-align=\"center\">4% = $28<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $14<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%, then 1% after $500 = $27<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Transit $300:<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5 = $1.50<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $6<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $6<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $6<\/td><td class=\"has-text-align-center\" data-align=\"center\">4% = $12<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Recurring bills: $400<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><td class=\"has-text-align-center\" data-align=\"center\">$4% = $16<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $8<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Dining out: $900<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $18<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $18<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% = $9<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $18<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% = $9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>All other purchases: $500<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5% = $2.50<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $10<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% = $5<\/td><td class=\"has-text-align-center\" data-align=\"center\">2% = $10<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% = $5<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total monthly cash back<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$44<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$70<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$64<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$56<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$61<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Annual cash back<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$528<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$840<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$768<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$672<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$732<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-card-comparison\">Card Comparison<\/h2>\n\n\n\n<p>Now, to bring together much of what we&#8217;ve covered above, let&#8217;s compare key aspects of our 5 cash back card choices in one spot:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">category<\/th><th class=\"has-text-align-center\" data-align=\"center\"> Tangerine Money-Back Credit Card<\/th><th class=\"has-text-align-center\" data-align=\"center\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/th><th class=\"has-text-align-center\" data-align=\"center\"><br>Scotiabank Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<br><\/th><th class=\"has-text-align-center\" data-align=\"center\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<\/th><th class=\"has-text-align-center\" data-align=\"center\">BMO CashBack<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Annual fee<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$0<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">$119 (Quebec), and $9.99\/month (rest of Canada)<\/td><td class=\"has-text-align-center\" data-align=\"center\">$120*<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$0<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">$120*<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Minimum income requirement<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$12,000 individual<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>None<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">$60,000\u201380,000 individual or $100,000\u2013$150,000 houshold<\/td><td class=\"has-text-align-center\" data-align=\"center\">$80,000 individual or $150,000 household<\/td><td class=\"has-text-align-center\" data-align=\"center\">$80,000 individual or $150,000 household<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Top earning rates<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">4%<\/td><td class=\"has-text-align-center\" data-align=\"center\">4%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>5%<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Caps on elevated categories?<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>No<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes, on groceries<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes, on all<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Yes, starting August 2026<\/strong>**<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes, on all<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Redemption frequency\/amount<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Deposited automatically every month<\/td><td class=\"has-text-align-center\" data-align=\"center\">Cash back distributed once a year<\/td><td class=\"has-text-align-center\" data-align=\"center\">By request (min. $25)<\/td><td class=\"has-text-align-center\" data-align=\"center\">By request (min. $10)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Monthly (min. $25), or by request (min. $1)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Redemption option<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit card statement or Tangerine Savings Account<\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit card statement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit card statement or eligible Scotiabank account<\/td><td class=\"has-text-align-center\" data-align=\"center\">Use for eligible bill payment or for card purchases<\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit card statement or Eligible BMO account<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Best\/unique perks<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Extended warranty &amp; purchase protection<\/td><td class=\"has-text-align-center\" data-align=\"center\">Amex Front of the Line\/Amex Offers<\/td><td class=\"has-text-align-center\" data-align=\"center\">Save up to 10 cents per litre at Shell<\/td><td class=\"has-text-align-center\" data-align=\"center\">5 free Roam like Home days<\/td><td class=\"has-text-align-center\" data-align=\"center\">Complimentary Mastercard Travel Pass via DragonPass<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><\/tfoot><\/table><\/figure><\/div>\n\n\n\n<p>*These annual fees are often waived as part of the welcome offers.<\/p>\n\n\n\n<p>**Starting August 4, 2026, an annual spending cap of $61,000 will apply to the accelerated 2% cash back rate for Rogers, Fido, Shaw, and Comwave customers. Beyond this limit, the rate drops to the base rate of 1.5%. The 1.5x redemption bonus on eligible Rogers purchases remains unchanged.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22687,22626,22637,22765,22676\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>Cash back credit cards are a great way to enjoy simple and straightforward rewards on all your day-to-day expenses.<\/p>\n\n\n\n<p>By adding a cash back credit card to your wallet, you can enjoy guaranteed savings every time you make a purchase, keeping more of your hard-earned money in your pocket.<\/p>\n\n\n\n<p>To learn more ways to <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-save-grocery\/\" target=\"_blank\" rel=\"noreferrer noopener\">save money on groceries<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/save-and-earn-points-miles-at-gas-stations\/\" target=\"_blank\" rel=\"noreferrer noopener\">at the gas station<\/a>, and <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-to-save-money-every-day\/\" target=\"_blank\" rel=\"noreferrer noopener\">on other regular expenses<\/a>, check out our other guides and articles below.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"188635,494068,126405\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"who_should_use_a_cash_back_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWho should use a cash back credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Cash back credit cards are great for anyone who wants to save money on all their expenses without having to navigate a rewards program. <\/p>\n\n\n\n<p>Cash back credit cards provide simple, straightforward earnings with a guaranteed redemption value.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_redeem_my_cash_back_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I redeem my cash back?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Each credit card has its own way of redeeming its cash back. Some cards give you your cash back automatically each month or once a year, while others wait until you request that the money be released. <\/p>\n\n\n\n<p>Additionally, some cards only let you use the cash back for statement credits, and others let you choose between this and depositing your earnings into an eligible bank account.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Compare 5 of the best cash back credit cards in Canada and learn how you can save across your top spending categories and beyond.<\/p>","protected":false},"author":2499,"featured_media":496841,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"367978,461098,398142,268474,253050,470359","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[4250],"class_list":["post-494263","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_loyalty_program-cashback"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best Cash Back Credit Cards in Canada: Which One Is Right for You? 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