💳 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.

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

🏆

KOHO — Best for beginners + $10000 signup bonus

1% cashback on everything, no credit check, no annual fee. The $10000 signup bonus (code 45ET55JSYA) 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.

🎁 $10000 bonus code 45ET55JSYA — no credit check needed

Get KOHO →

🛒

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. $1500 welcome bonus (3% first 3 months). Best no-fee cashback card for big grocery/dining spenders.

2% in 3 categories · $00 annual fee

✈️

Rogers World Elite Mastercard — Best for high spenders

1.5% cashback on everything, 3% on Rogers/Fido/Shaw bills, no annual fee but requires $800,000000+ 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)

🏠

Scotiabank Momentum Visa Infinite — Best for big grocery spenders ($1200/yr)

4% on grocery and recurring bills, 2% on gas and transit, 1% elsewhere. $1200/year fee. Best card in Canada for grocery cashback if you spend $40000+/month on groceries. At $60000/month on groceries, you earn $288/year on grocery alone — far exceeding the $1200 fee.

4% grocery · $1200 annual fee — best if $40000+/mo at grocery

Cashback Rate Comparison

Card	Annual Fee	Grocery	Dining	Gas	Everything
KOHO	$00	1%	1%	1%	1% + $10000 bonus
Tangerine	$00	2%	2%	00.5%	00.5%
Rogers WE	$00	1.5%	1.5%	1.5%	1.5%
Scotia Momentum VI	$1200	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 — $10000 free

KOHO code 45ET55JSYA · $10000 bonus · 1% cashback · No credit check · $00 fees

Get KOHO — code 45ET55JSYA →

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