The best cash back credit cards in Canada for 2025

MoneySense curated this list of the best cash back credit cards in Canada to help you maximize your rewards on your everyday purchases. Whether you’re looking for high earn rates, low fees and/or other benefits, our credit card guide will help you find the perfect card to boost your cash-back savings.

Featured cash back credit cards

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Gold: Best cash back card

Rogers Red World Elite Mastercard

Earn a minimum of 1.5% cash back on all purchases, and 3% on U.S. dollar purchases. Redeem rewards when you want.

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Annual Fee: $0

Interest Rates: 25.99% purchase, 27.99% cash advance, 27.99% balance transfer

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Silver: Best cash back card

CIBC Dividend Visa Infinite Card

Earn 4% cash back on gas and groceries, and save at the pump with exclusive fuel discounts.

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Annual Fee: $120

Interest Rates: 20.99% purchase, 22.99% cash advance, 22.99% balance transfer

Welcome offer: $250 value Join and earn over $400 in value including a first year annual fee rebate.†

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Bronze: Best cash back card

SimplyCash Preferred Card from American Express

Get a minimum of 2% cash back on all your purchases—one of the highest base rates in Canada.

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Annual Fee: $120

Interest Rates: 21.99% purchase, 21.99% cash advance, N/A balance transfer

Welcome offer: $250 value Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months.

Compare popular cash back credit cards

Compare the best travel credit card options in Canada with our interactive tool and filter credit cards based on your spending needs, including rewards value, annual fees, income requirements and more. Use this tool to compare credit card options, or keep scrolling for our editors’ top picks.