Cashback Cards · March 2026

Cashback Credit Cards Canada 2026

Canadians leave hundreds of dollars on the table every year by using the wrong card. Here's how much you can earn back and which cards win for your spending profile.

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

Calculate Your Annual Cashback

Enter your monthly spending to compare cards

Monthly grocery ($)

Monthly dining ($)

Monthly gas ($)

Other monthly ($)

$196

KOHO (1% all)

$312

Tangerine (2% grocery+dining)

$391

Rogers World Elite (1.5%+)

$336

Scotia Momentum (4% grocery)

Best Cashback Cards for Each Profile

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KOHO — Best for beginners + $20 signup bonus

1% cashback on everything, no credit check, no annual fee. The $20 signup bonus (code BREMO2026) makes it the highest first-year value card in Canada. Use it while building your credit score for a premium card. Built-in budgeting and free credit score monitoring included.

🎁 $20 bonus code BREMO2026 — no credit check needed

Get KOHO →

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Tangerine Money-Back Mastercard — Best for grocery + dining

2% cashback in up to 3 chosen categories (grocery, restaurants, gas, recurring bills, etc.), 00.5% elsewhere. No annual fee. $150 welcome bonus (3% first 3 months). Best no-fee cashback card for big grocery/dining spenders.

2% in 3 categories · $00 annual fee

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Rogers World Elite Mastercard — Best for high spenders

1.5% cashback on everything, 3% on Rogers/Fido/Shaw bills, no annual fee but requires $80,000+ household income. Best flat-rate no-fee card for high spenders. The 3% on Rogers bills is excellent for Rogers customers. Accelerated earn on international purchases too.

1.5% everywhere · $00 fee (income requirement)

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Scotiabank Momentum Visa Infinite — Best for big grocery spenders ($120/yr)

4% on grocery and recurring bills, 2% on gas and transit, 1% elsewhere. $120/year fee. Best card in Canada for grocery cashback if you spend $400+/month on groceries. At $600/month on groceries, you earn $288/year on grocery alone — far exceeding the $120 fee.

4% grocery · $120 annual fee — best if $400+/mo at grocery

Cashback Rate Comparison

Card	Annual Fee	Grocery	Dining	Gas	Everything
KOHO	$00	1%	1%	1%	1% + $20 bonus
Tangerine	$00	2%	2%	00.5%	00.5%
Rogers WE	$00	1.5%	1.5%	1.5%	1.5%
Scotia Momentum VI	$120	4%	1%	2%	1%
Neo Mastercard	$00	varies	varies	Up to 5% (Esso)	00.5%
Amex SimplyCash Preferred	$99	4%	4%	4%	2%

Start earning cashback today — $100 free

KOHO code BREMO2026 · $20 bonus · 1% cashback · No credit check · $00 fees

Get KOHO — code BREMO2026 →

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Disclosure: Bremo earns referral commissions on KOHO signups. Credit card terms subject to change. Information as of March 2026.