Cashback Cards · March 2026

Best Cashback Credit Cards
in Canada 2026

Earn real money back on every purchase. Here are the best cashback credit cards in Canada ranked by earn rate, welcome bonuses, and fees — including options for people with no credit history.

No fee everyday banking

Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.

See how it works

Top Cashback Cards Ranked

1
KOHO Free — Best No Credit Check Option
Prepaid Visa · No credit check · Instant approval
1%
Base cashback
$100
Signup bonus
$0
Annual fee
None
Credit check
1% cashback on all purchases, 0.5% on groceries/transport. Plus a $20 signup bonus with code BREMO2026. No credit check, works for newcomers, no minimum income. The prepaid design means you can never overspend. Best starter cashback card — especially if you're building credit or new to Canada.
No credit checkNewcomer-friendlyPrepaid (not credit)
Get KOHO — code BREMO2026 ($100) →
2
Rogers World Elite Mastercard
Credit card · Best unlimited cashback rate
1.5%
Unlimited cashback
3%
Foreign currency
$0
Annual fee
$15k+
Income req.
Best flat-rate cashback card in Canada with no fee. 1.5% on everything, 3% on foreign currency purchases (net of 2.5% FX fee = 0.5% net benefit). Requires $15,000+ annual household income or $25,000+ annual spend on Rogers products. Best for those who want simplicity over category bonuses.
Income requirementNo annual fee
3
Tangerine Money-Back Credit Card
Credit card · Best flexible category cashback
2%
On 2 categories
0.5%
Everything else
$0
Annual fee
$12k+
Income req.
2% cashback on 2 categories of your choice (groceries, gas, restaurants, drug stores, etc.), 0.5% on everything else. No fee. Add a 3rd 2% category by depositing into a Tangerine savings account. Highly flexible — best for people who want to optimize categories without paying a fee.
Pick your categoriesNo annual fee
4
Scotia Momentum Visa Infinite
Credit card · Best groceries & gas cashback
4%
Groceries + gas
2%
Drug + transit
$120
Annual fee
$60k+
Income req.
Highest grocery cashback rate in Canada at 4%. Also 4% on gas, 2% on drug stores and transit. $120 annual fee pays off if you spend $500+/month on groceries and gas combined. Best for families with high grocery spend.
5
Neo Financial Mastercard
Credit card · Best retail partner cashback
5%+
At Neo partners
1%+
Everywhere
$0
Annual fee
$75
Signup bonus
5%+ cashback at 10,000+ Canadian partner merchants (Esso, Sport Chek, Goodfood, etc.), 1%+ everywhere else. No annual fee. Easy approval. Great second card to stack with a flat-rate card — use Neo at partners, use Rogers or Tangerine everywhere else.

Quick Comparison

CardBest RateBase RateAnnual FeeWelcome Bonus
Scotia Momentum Visa Infinite4% groceries1%$120$200 first year
Tangerine Money-Back2% (2 categories)0.5%$0$200 first year
Rogers World Elite1.5% everywhere1.5%$0None
KOHO Free1% + $20 bonus1%$0$100 (code BREMO2026)
Neo Financial5%+ at partners1%$0$75
CIBC Dividend Visa3% groceries1%$0$200 first year
BMO CashBack Mastercard3% groceries0.5%$05% first 3 months
PC Financial Mastercard3% groceries (PC stores)1%$0PC Optimum points

Frequently Asked Questions

What is the best cashback credit card in Canada for 2026?
For most Canadians: Tangerine Money-Back Card for flexible 2% categories with no fee. Rogers World Elite for unlimited flat-rate cashback. Scotia Momentum Visa Infinite for maximum groceries/gas cashback (if you spend enough to justify the $120 fee). KOHO for those who need no credit check or are building credit.
Can I get a cashback card with no credit history in Canada?
Yes. KOHO's prepaid Visa gives 1% cashback with absolutely no credit check. Neo's secured credit card gives up to 5% cashback at partners and requires a security deposit instead of credit history. Capital One also has secured credit card options for those building credit.
Should I use a cashback or travel points credit card?
Cashback cards are simpler and more flexible — 1% back is worth exactly 1 cent per dollar, always. Travel points cards can offer higher theoretical value but require knowing how to redeem well. If you travel frequently and will optimize redemptions, travel cards can be worth 2–5 cents per point. For most people, cashback is better.
How do I maximize cashback in Canada?
Use a category card (Tangerine or Scotia Momentum) for groceries and gas, and a flat-rate card (Rogers World Elite) for everything else. Add Neo Financial for partner merchants. Collect the KOHO signup bonus. This stack can earn 2–4% effective cashback on most spending without any annual fee.

Related guides

💜 KOHO referral code — $100 free, no credit check → 🏦 Best no-fee chequing accounts Canada 2026 → 💳 Best credit cards with no credit history Canada → 🇨🇦 All Canadian bank bonuses 2026 →

Start earning cashback today — no credit check needed

KOHO code BREMO2026 · $20 bonus · 1% cashback · No credit check

Get KOHO — code BREMO2026 →
Disclosure: Bremo earns referral commissions on KOHO signups. Credit card terms and rates subject to change — verify at each issuer's website. Information as of March 2026.

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