Home › Best Cash Back Credit Cards Canada 2025
Updated March 2025

Best Cash Back Credit Cards Canada 2025

Cash back credit cards are the simplest way to earn rewards in Canada: no complicated points systems, no expiry dates, just cash back deposited to your account. We've ranked Canada's top cash back cards for 2025.

Top Picks for 2025

Ranked by overall value — rates, fees, features, and Canadian-specific benefits.

KOHO Note: KOHO (code BREMO2026) offers up to 5% cashback at partner merchants with no credit check required — great for those who don't qualify for traditional credit cards or want to avoid credit card debt.

1
KOHO Extra
2% on groceries, dining, transit

Bonus/Welcome: $100 (code BREMO2026)

Pros: No credit check, no FX fees, $100 bonus, credit building option

Cons: Monthly fee for 2% rate, not a traditional credit card

Get $100 Bonus with KOHO →
Annual Fee$9/month or free tier available
Earn Rate2% on groceries, din
2
Tangerine Money-Back Mastercard
2% on 2 categories of your choice

Bonus/Welcome: 2% on select categories for first 3 months

Pros: No annual fee, flexible category choice, cashback deposited monthly

Cons: 2% only on 2 categories, 0.5% on everything else

Annual Fee$0
Earn Rate2% on 2 categories o
3
SimplyCash Preferred (Amex)
2% on everything

Bonus/Welcome: 4% for first 6 months

Pros: Flat 2% everywhere, strong rewards rate

Cons: $99 fee, Amex not accepted everywhere

Annual Fee$99/year
Earn Rate2% on everything
4
Rogers Mastercard
3% on US dollar purchases, 1.5% CAD

Bonus/Welcome: Up to $50 in first month spend

Pros: No annual fee, great for US purchases, 1.5% everywhere

Cons: Best benefit for Rogers/Shaw customers

Annual Fee$0
Earn Rate3% on US dollar purc
5
BMO CashBack World Elite
5% groceries, 4% transit, 2% recurring

Bonus/Welcome: $200 welcome bonus

Pros: High grocery rate, travel insurance

Cons: $120 fee, income requirement

Annual Fee$120/year
Earn Rate5% groceries, 4% tra
6
CIBC Dividend Visa Infinite
4% groceries, 2% gas/EV, 1% everywhere

Bonus/Welcome: 10% for first 4 months

Pros: Strong grocery rate, travel benefits

Cons: $99 fee, income requirements

Annual Fee$99/year
Earn Rate4% groceries, 2% gas

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

Get $120 with KOHO

$100 Cash Bonus

No credit check required. Earn cashback + interest. Canada's best everyday spending account.

BREMO2026


Claim Your $100 →

Frequently Asked Questions

What is the best no-fee cash back card in Canada?
The Tangerine Money-Back Mastercard is the top no-fee cash back card at 2% in up to 3 categories. Rogers Mastercard offers 1.5% on all CAD purchases with no annual fee. KOHO's free tier earns 1% on groceries and transit.
Is KOHO a cash back credit card?
KOHO is a Visa prepaid card — not technically a credit card but it earns cashback on purchases like one. KOHO doesn't require a credit check and earns up to 5% at partner merchants. Get $100 bonus with code BREMO2026.
How does cash back work in Canada?
Cash back is a percentage of your purchases returned to you. On a $1,000/month spend at 2% cash back, you earn $20 back. Annual cash back at 2% on $12,000 spending = $240. Cash back is typically credited monthly or annually to your credit card statement.
What is the best cash back card for groceries in Canada?
BMO CashBack World Elite offers 5% on groceries (capped). CIBC Dividend Visa Infinite offers 4% on groceries. Tangerine Money-Back offers 2% with groceries as a selectable category — all at different fee levels. Choose based on your annual grocery spend vs. card fee.