Credit Cards with Cash Back: Discover the Best Ones

In the world of credit cards, there are different types, each targeted at different audiences.

Among them, cashback credit cards are some of the most sought after. This is because, when used for purchases, you gain more advantages since you accumulate points and also receive money back in various forms. 

Because of this, in this article, we will show you the best credit cards with cash back for you to choose from and have at home. Follow along and check it out.

Scotia Momentum Visa Infinite

The Scotia Momentum Visa Infinite is a premium credit card that offers travel rewards and unlimited cashback on all purchases. 

It’s ideal for those who travel frequently and seek to maximize their spending. There are several benefits offered. 

The main one is the Scotia Rewards Points: You earn 1 Scotia Reward point for every $1 spent on purchases, and 2 points for every $1 spent on travel and dining. 

Additionally, you have unlimited cashback by converting your Scotia Rewards points into cashback at any time, at a rate of 1 point = $1. 

You can also earn up to 25,000 Scotia Rewards points after the first $3,000 spent on purchases in the first 3 months, providing even more advantages. 

You also have travel insurance, including trip cancellation insurance, trip interruption insurance, baggage loss insurance, and travel medical insurance.

BMO Cashback World Elite Mastercard

The BMO Cashback World Elite Mastercard is a premium credit card that offers unbeatable cashback in everyday spending categories such as groceries, transportation, and gasoline. 

It’s ideal for those who want to save on their frequent purchases and don’t compromise on exclusive benefits. 

Its main benefit lies in high cashback: 

• 5% cashback on the first $500 spent monthly on groceries. 
• 4% cashback on the first $300 spent monthly on transportation, including ride-sharing services, taxis, and public transportation. 
• 3% cashback on the first $300 spent monthly on gasoline and electric vehicle charging. 
• 2% cashback on the first $500 spent monthly on recurring bills, such as phone and streaming services. 
• 1% unlimited cashback on all other purchases. 

You also get a welcome bonus, where you can earn up to 10% cashback on your spending in the first 3 months, in addition to the first-year annual fee waiver. 

The card also offers free travel insurance coverage, including travel medical insurance, trip cancellation insurance, and trip interruption insurance. 

You also have purchase protection and access to airport VIP lounges. Therefore, it is a great tip for credit cards with cash back.

TD Cash Back Visa Infinite

The TD Cash Back Visa Infinite is a credit card that offers easy-to-understand and earn cashback in common spending categories. 

It’s ideal for those who want a hassle-free card that rewards their essential spending. In terms of cashback, you get the following benefits: 

• 3% cashback on groceries, gas stations, and recurring bills (such as phone and internet) set up for automatic payment. 
• 1% cashback on all other purchases. 

Additionally, you have welcome bonuses, travel insurance, and purchase protection. In short, it’s an excellent card for your everyday life.

Tangerine World Mastercard

The Tangerine World Mastercard is a no-annual-fee credit card that offers a flexible cashback program. 

It allows you to choose categories that yield more cashback according to your consumption habits. Here’s what it offers: 

• Personalized cashback: Choose up to 3 categories to earn 2% cashback on each one. Available categories include groceries, restaurants, furniture, hotels, gasoline, recurring bills, pharmacy, home renovation, and more. 
• Base cashback: Earn 0.5% cashback on all other purchases. 
• Welcome bonus: Earn up to $100 in extra cashback by spending $1,000 in the first 2 months. 
• Free insurance: Free travel insurance for unexpected events such as flight delays, baggage loss, and emergency medical assistance. 
• No annual fee: There is no annual charge to have this card. 

For those who want real credit cards with cash back, this is the right card.

CIBC Costco Mastercard

The CIBC Costco Mastercard is an ideal credit card for those who frequent Costco and fill up at Costco gas stations. 

It offers advantageous cashback in these categories and has no annual fee. Here’s what you’ll get: 

• Costco cashback: Earn 2% cashback on all purchases made at Costco stores and on Costco.ca website. 
• Gas cashback: Earn 3% cashback at Costco gas stations. 
• Other purchases cashback: Earn 1% cashback on all other eligible purchases. 
• Annual reward: Receive an annual reward certificate with the value of your accumulated cashback from the previous year. 
• Secure purchase: Have protection against fraudulent purchases and accidental damage. 
• No annual fee: There is no annual charge to have this card.

SimplyCash Preferred Card American Express

The SimplyCash Preferred Card American Express is a credit card that offers unlimited cashback on all purchases, as well as advantageous extra benefits. 

It’s ideal for those who want a versatile card for everyday use and value cash rewards. 

In terms of cashback, it’s unlimited. You earn 4% cashback on groceries and gas stations, plus 2% cashback on all other purchases with no spending limit. 

You also get mobile device insurance, purchase protection, and various other benefits such as Concierge and differentiated American Express customer service. 

Finally, you enjoy discounts and promotions offered by Amex Offers.

Simplii Financial Cash Back Visa

The Simplii Financial Cash Back Visa is a no-annual-fee credit card that offers a simple and straightforward cashback program in common everyday categories. 

It’s ideal for those looking for an easy-to-use card that rewards their daily expenses without annual fees. Here are the cashback advantages:

•  4% cashback on the first $5,000 spent annually on restaurants, bars, and cafeterias. 
• 1.5% cashback on the next $15,000 spent annually on grocery, gas, and pharmacy purchases, as well as pre-authorized payments. 
• 0.5% cashback on all other eligible expenses. 

You also earn a 20% bonus cashback on gas, grocery, pharmacy, and pre-authorized payments in the first 3 months, up to $500 spent. 

Additionally, there is no annual fee to have this card.

With these credit cards with cash back, you save more and have the assurance that you’ll secure a better price, along with money to use as you wish. 

Choose the best one and apply now. And check out other cards for you on our website.