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By Credit Card Company
Canadian Travel Credit Card Comparison:
Cashback Credit Cards
 

This chart is part of Rewards Canada's Guide to Choosing a Travel Rewards Credit Card
and is a comparison of all the Cashback travel rewards credit cards in Canada.
Also be sure to visit our new feature: THE ULTIMATE CASH BACK CREDIT CARD PORTFOLIO!
"Technically speaking, a Cashback credit card is not considered to be a Travel Rewards credit card but due to the fact you can apply that cash dividend towards travel makes it only fitting we include these type of cards in our guide"
We also offer the following comparison charts:

Feature / Card
ATB Platinum Cash Rewards Mastercard
ATB Gold Cash Rewards Mastercard
BMO CashBack
World Elite
Mastercard
BMO CashBack World Mastercard
BMO CashBack Mastercard
Canadian Tire Cash Advantage Mastercard Capital One® Aspire Cash™ Platinum Mastercard®    
CIBC Dividend Visa Infinite
CIBC Dividend Visa
Platinum
CIBC Dividend Visa
HSBC Mastercard
MBNA SmartCash Mastercard
National Bank ECHO CashBack
Mastercard
National Bank Edition
Mastercard
President's Choice Financial
Mastercard
RBC Cash Back Preferred World Elite Mastercard
Feature / Card
RBC Cash Back Mastercard
Rogers Platinum Mastercard
Scotia Momentum VISA Infinite card
Scotia Momentum VISA card
Scotia Momentum no fee VISA card
SimplyCash™ Preferred Card from American Express®
SimplyCash™ Card from American Express® Tangerine Money-Back Mastercard
TD Cash Back Visa Infinite Card
TD Cash Back Visa Card
VanCity enviro Gold Visa
VanCity enviro Classic Visa
Feature / Card
/
Fees/Costs
/
Fees/Costs
/
Annual Fee
$120
$0
$120
$79
$0

SPC: $0
$0
$0
   
First year free than $99 (limited time offer)
First year free than $99 (limited time offer)
$0
No Fee as long as you have an HSBC Premier or Advance package
$0
$0
À la carte Rewards Plan: $20
No Fee: $0
$0
$99
Annual Fee
$0
 
First year free then $29
per year

or free if your Rogers bill is set up as an preauthorized payment on the card
First year free (apply by Jul 31) then $99
per year
$39
$0
$99
$0
$0
First year free then $120 per year
$0
$99
$0
Annual Fee
Supp. Card Fee
$25
$0
$50
$35
$0
$0
See Application
 
$30
$30
$0
$0
$0
$0
$0
$0
$0
Supp. Card Fee
$0
 
$30
$30
$15
$0
$0
$0
$0
$50
$0
$0
$0
Supp. Card Fee
Interest Rate
19.9%
19.9%
Purchase: 19.99%

Cash Advance:
22.99%
Purchase: 19.99%

Cash Advance:
22.99%
Purchase: 19.99%

Cash Advance:
22.99%
19.99%
19.8%
 
19.99%
19.99%
19.99%
Premier: 12.9%
Advance: 17.9%
19.99%
19.99%
19.5%
?
19.99%
Interest Rate
19.99%
 
19.99%
19.99%
19.99%
19.99%
19.99%
19.75%
19.95%
20.99%
19.99%
19.5%
19.5%
Interest Rate
Foreign Exchange Transaction Fee ? ? 2.5% 2.5% 2.5% 2.5%
?
  2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% ? 2.5% Foreign Exchange Transaction Fee 2.5%  

2.5%

2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.0% 2.5% Foreign Exchange Transaction Fee
Minimum Income
N/A
N/A
$70,000 Personal or $120,000 Household
$60,000 Personal or $100,000 Household
N/A
N/A
N/A
 
$60,000 Personal or $100,000 Household
$15,000
$15,000
N/A
$35,000 Household
N/A
N/A
?
$70,000 Personal or $120,000 Household
Minimum Income
N/A
 
N/A
$60,000 Personal or $100,000 Household
N/A
N/A
$15,000
$15,000
N/A
$60,000 Personal or $100,000 Household
N/A
$35,000
$15,000
Minimum Income
Minimum Credit Limit
$500
$500
N/A
N/A
N/A
N/A
N/A
 
N/A
N/A
N/A
N/A
N/A
N/A
$500
?
?
Minimum Credit Limit
N/A
 
N/A
$5,000
$500
$500
N/A
N/A
N/A
$5,000
$500
N/A
N/A
Minimum Credit Limit
/
Cash Back Earning
/
Cash Back Earning
/
Card
ATB Platinum Cash Rewards Mastercard
ATB Gold Cash Rewards Mastercard
BMO CashBack
World Elite
Mastercard
BMO CashBack World Mastercard
BMO CashBack Mastercard
Canadian Tire Cash Advantage Mastercard
Capital One® Aspire Cash™ Platinum Mastercard®
 
CIBC Dividend Visa Infinite
CIBC Dividend Visa
Platinum
CIBC Dividend Visa
HSBC Mastercard
MBNA SmartCash Mastercard
National Bank ECHO CashBack
Mastercard
National Bank Edition
Mastercard
President's Choice Financial
Mastercard
RBC Cash Back Preferred World Elite Mastercard
Card
RBC Cash Back Mastercard
 
Rogers Platinum Mastercard
Scotia Momentum VISA Infinite card
Scotia Momentum VISA card
Scotia Momentum no fee VISA card
SimplyCash™ Preferred Card from American Express®
SimplyCash™ Card from American Express® Tangerine Money-Back Mastercard
TD Cash Back Visa Infinite Card
TD Cash Back Visa Card
VanCity enviro Gold Visa
VanCity enviro Classic Visa
Card
Welcome Bonus
0
0
4% cash back on all purchases in the first 4 months - Max. $250 cashback
0

4% cash back on all purchases in the first 4 months - Max. $125 cashback

SPC: 4% cash back on all purchases in the first 4 months - Max. $125 cashback
0
0
 
0
0
0
0
0
0
0
$20 (awarded as four 5,000 point coupons)
1.75% cash back on all your spending up to $25,000 in the first 6 months
Welcome Bonus
0
 
$35 Cash back
0
0
0
0
0
0
6% Cash Back on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500
0
$45
(2,000 points on enrolment, 2,500 points on 1st purchase)
$20
(2,000 points on enrolment)
Welcome Bonus
Renewal Bonus
0
0
0
0
0
0
0
 
0
0
0
0
0
0
0
0
0
Renewal Bonus
0
 
0
0
0
0
0
0
0
0
0
$35
(3,500 points)
0
Renewal Bonus
Earning Ratio
1% Cash back on all purchases
1% Cash back on all purchases
1.5% Cash back on all purchases
1.25% Cash back on all purchases
1% Cash back on all purchases
0.25% on the first $1,500 in purchases

0.5% on purchases above $1,500 and up to $3,000

1% on purchases above $3,000

1.5% on purchases above $24,000.
Earn 1% cash rewards on all purchases
 
4% on Gas and Grocery Purchases

2% on Tim Hortons and TELUS purchases

1% on all other purchases
4% on Gas and Grocery Purchases

2% on Tim Hortons and TELUS purchases

1% on all other purchases
Tier one - 0.5% cash back for net annual card purchases up to $6,000

Tier two - - 1% cash back for net annual card purchases over $6,000

2% cash back on your first $6,000 in net annual grocery purchases
1% Cash back on all purchases
1% Cash back on all purchases
1% Cash back on all purchases
À la carte Rewards Plan:1% Cash back on all purchases

No Fee: 0.5% Cash back on all purchases
1% Cash Back on all purchases (awarded as PC Points)
1.5% Cash Back on all purchases up to $25,000 then 1% cash back
Earning Ratio
0.5% on the first $6,000 of spend then 1% Cash back on all purchases

2% Cash back on Grocery Purchases up to $6,000 annualy
 
1.75% Cash back on all purchases
4% on eligible gas station and grocery store purchases

2% on drug store purchases and recurring bills

1% cash back on all other
1% Cash back on all purchases
0.5% Cash back on all purchases

2% Cash back on all purchases

1.25% Cash back on all purchases 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice

0.5% Money-Back Rewards on all other purchases

Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
1.00% Cash back on all purchases
0.5% Cash back on all purchases
1% Cash back on all purchases
0.5% Cash back on all purchases
Earning Ratio
Bonus Features
N/A
N/A
N/A
N/A
N/A
N/A
N/A
 
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Bonus Features
N/A
 
N/A
N/A
N/A
N/A
10% cash back on eligible gas, grocery and restaurant purchases in Canada for the first 6 months of Cardmembership (up to $300 cash back)
N/A
N/A
N/A
N/A
N/A
N/A
Bonus Features
Maximum Annual Cash back limt
$3,000
Unlimited
Unlimited
1.25% back on up to $7,000 per month
Unlimited
Unlimited
Unlimited
 
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Maximum Annual Cash back limt
Unlimited
 
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Maximum Annual Cash back limt
/
Category Spend Bonuses
/
Category Spend Bonuses
/
Card
ATB Platinum Cash Rewards Mastercard
ATB Gold Cash Rewards Mastercard
BMO CashBack
World Elite
Mastercard
BMO CashBack World Mastercard
BMO CashBack Mastercard
Canadian Tire Cash Advantage Mastercard
Capital One® Aspire Cash™ Platinum Mastercard®
   
CIBC Dividend Visa Infinite
CIBC Dividend Visa
Platinum
CIBC Dividend Visa
HSBC Mastercard
MBNA SmartCash Mastercard
National Bank ECHO CashBack
Mastercard
National Bank Edition
Mastercard
President's Choice Financial
Mastercard
RBC Cash Back Preferred World Elite Mastercard
Card
RBC Cash Back Mastercard
 
Rogers Platinum Mastercard
Scotia Momentum VISA Infinite card
Scotia Momentum VISA card
Scotia Momentum no fee VISA card
SimplyCash™ Preferred Card from American Express®
SimplyCash™ Card from American Express® Tangerine Money-Back Mastercard
TD Cash Back Visa Infinite Card
TD Cash Back Visa Card
VanCity enviro Gold Visa
VanCity enviro Classic Visa
Card
Grocery
3%
N/A
N/A
N/A
N/A
N/A
N/A
 
4%
4%
2% cash back on your first $6,000 in net annual grocery purchases
Premier World only:
1.5%
5% for the first 6 months, 2% thereafter
1.5%
N/A
World Elite: 3% at Loblaw's, Real Canadian Superstore, etc.

N/A
Grocery
2% Grocery Purchases up to $6,000 annualy
 
N/A
4%*
2%*
1%*
10% for the first 6 months
5% for the first 6 months, 1.25% thereafter* 2%
(if you choose this as one of your bonus categories)
3%*
1%*
N/A
N/A
Grocery
Gas
3%
N/A
N/A
3% at Shell Stations only
N/A
up to 3% at Canadian Tire Gas Bars only
N/A
 
4%
4%
N/A
Premier World only:
1.5%
5% for the first 6 months, 2% thereafter
1.5%
N/A
World Elite: up to 3% at Esso

Regular
up to 2% at Esso
N/A
Gas
N/A
 
N/A
4%*
2%*
1%*
10% for the first 6 months
5% for the first 6 months, 1.25% thereafter* 2%
(if you choose this as one of your bonus categories)
3%*
1%*
N/A
N/A
Gas
Drug Store
3%
N/A
N/A
N/A
N/A
N/A
N/A
 
N/A
N/A
N/A
Premier World only:
1.5%
N/A
N/A
N/A
World Elite: 3% at Shoppers Drug Mart
N/A
Drug Store
N/A
 
N/A
2%**
2%*
1%*
N/A
N/A
2%
(if you choose this as one of your bonus categories)
N/A
N/A
N/A
N/A
Drug Store
Home Improvement
3%
N/A
N/A
N/A
N/A
up to 3% at Canadian Tire
N/A
 
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Home Improvement
N/A
 
N/A
N/A
N/A
N/A
N/A
N/A
2%
(if you choose this as one of your bonus categories)
N/A
N/A
N/A
N/A
Home Improvement
Restaurant
N/A
N/A
N/A
N/A
N/A
N/A
N/A
 
2% on Tim Hortons purchases
2% on Tim Hortons purchases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Restaurant
N/A
 
N/A
N/A
N/A
N/A
10% for the first 6 months
5% for the first 6 months, 1.25% thereafter* 2%
(if you choose this as one of your bonus categories)
N/A
N/A
N/A
N/A
Restaurant
Other
N/A
N/A
N/A
N/A
N/A
up to 3% at Canadian Tire, Mark’s Work Wearhouse, L’Équipeur
N/A
 
2% on TELUS purchases
2% on TELUS purchases
N/A
Premier World only:
2% on Foreign Currency Purchases
N/A
1.5% for
online
purchases
N/A

World Elite: 2% at PC Travel & PC Mobile

Regular:
2% at PC Travel
N/A
Other
N/A
 
4% on purchases made in foreign currencies
2% on recurring bill payments**
2% on recurring bill payments*
1% on recurring bill payments*
N/A
N/A
2% on Furniture or Hotel or Recurring Bill Payments or Public Transportation and parking or Entertainemnt
(if you choose them as one of your bonus categories)
3% on recurring bill payments*
1% on recurring bill payments*
N/A
N/A
Other
/
Benefits
/
Benefits
/
Card
ATB Platinum Cash Rewards Mastercard
ATB Gold Cash Rewards Mastercard
BMO CashBack
World Elite
Mastercard
BMO CashBack World Mastercard
BMO CashBack Mastercard
Canadian Tire Cash Advantage Mastercard
Capital One® Aspire Cash™ Platinum Mastercard®
   
CIBC Dividend Visa Infinite
CIBC Dividend Visa
Platinum
CIBC Dividend Visa
HSBC Mastercard
MBNA SmartCash Mastercard
National Bank ECHO CashBack
Mastercard
National Bank Edition
Mastercard
President's Choice Financial
Mastercard
RBC Cash Back Preferred World Elite Mastercard
Card
RBC Cash Back Mastercard
 
Rogers Platinum Mastercard
Scotia Momentum VISA Infinite card
Scotia Momentum VISA card
Scotia Momentum no fee VISA card
SimplyCash™ Preferred Card from American Express®
SimplyCash™ Card from American Express® Tangerine Money-Back Mastercard
TD Cash Back Visa Infinite Card
TD Cash Back Visa Card
VanCity enviro Gold Visa
VanCity enviro Classic Visa
Card
Common Carrier Travel Accident Insurance
$300,000
$300,000
No
No
No
No
Yes
 
$1,000,000
$500,000
$100,000
No
$1,000,000
No
No
No
No
Common Carrier Travel Accident Insurance
No
 
No
$500,000
No
No
$100,000
$100,000 No
No
No
up to $500,000
up to $200,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
No
No
Yes
Yes
No
No
No
 
Yes
No
No
Premier: Yes
Advance: No
No
No
No
No
No
Flight Delay Insurance
No
 
No
Yes
No
No
Yes
No
No
No
No
No
No
Flight Delay Insurance
Delayed, Lost, Stolen, and/or Damaged Baggage Insurance
No
No
Loss, Theft, Damage
Loss, Theft, Damage
No
No
Baggage Delay
 
Yes
No
No
Premier: Yes
Advance: No
No
No
No
No
No
Delayed, Lost, Stolen, Damaged Baggage Insurance
No
 
No
Delayed & Lost
No
No
Yes
No
No
Delayed & Lost
No
Yes
No
Delayed, Lost, Stolen, Damaged Baggage Insurance
Trip Cancellation Insurance
No
No
No
No
No
No
No
 
No
No
No
Premier: Yes
Advance: No
No
No
No
No
No
Trip Cancellation Insurance
No
 
No
No
No
No
No
No
No
No
No
No
No
Trip Cancellation Insurance
Trip Interruption Insurance
No
No
No
No
No
No
No
 
Yes
No
No
No
Yes
No
No
No
No
Trip Interruption Insurance
No
 
No
Yes
No
No
No
No
No
No
No
No
No
Trip Interruption Insurance
Travel Medical Insurance
No
No
Yes - 8 Days up to the age of 65
No
No
No
No
 
Yes
No
No
Premier: Yes
Advance: No
No
No
No
World Elite: Yes
10 Days up to 65 years old
No
Travel Medical Insurance
No
 
No
Yes
15 Days up to 65 years old
No
No
Yes
15 Days up to 65 years old
No
No
10 Days up to 64
4 Days 65+
No
No
No
Travel Medical Insurance
Auto Rental/Loss Damage Insurance
Yes
Yes
Yes
No
No
No
Yes
 
Yes
Yes
No
Yes
Yes
No
No
World Elite: Yes
Yes
Auto Rental/Loss Damage Insurance
No
 
No
Yes
No
No
Yes
Yes
No
Yes
No
Yes
No
Auto Rental/Loss Damage Insurance
Purchase Protection
Yes
Yes
Yes
Yes
Yes
No
Yes
 
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Purchase Protection
Yes
 
No
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Purchase Protection
Price Protection
No
No
No
No
No
No
Yes
 
No
No
No
No
World Version: Yes
No
No
No
No
Price Protection
No
 
No
No
No
No
No
No
No
No
No
No
No
Price Protection
Extended Warranty Plan
Yes
Yes
Yes
Yes
Yes
No
Yes
 
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Extended Warranty Plan
Yes
 
No
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Extended Warranty Plan
Travel Concierge Service
No
No
Yes
No
No
No
No
 
Yes
No
No
No
World Version: Yes
No
No
World Elite: Yes
Yes
Travel Concierge Service
No
 
No
Yes
No
No
No
No
No
Yes
No
No
No
Travel Concierge Service
Enhanced Hotel/Dining Services
No
No
No
No
No
No
No
 
Yes
No
No
No
No
No
No
No
No
Enhanced Hotel/Dining Services
No
 
No
Yes
No
No
No
No
No
Yes
No
No
No
Enhanced Hotel/Dining Services
Link to Apply
Apply Now  
Link to Apply
 
Link to Apply
Notes:
N/A
N/A
N/A
N/A
N/A
N/A
 
The 4% and 2% cash back offers are only available on the first $80,000 in net annual card purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account, whichever comes first
N/A
N/A
No
N/A
N/A
N/A
N/A
N/A
Notes:
N/A
 
* Up to the first $25,000 total spend on Gas & Grocery

** Up to the first $25,000 total spend on Drug Store & recurring bill payments
* Up to the first $25,000 total spend on Gas & Grocery

** Up to the first $25,000 total spend on Drug Store & recurring bill payments
* Up to the first $25,000 total spend on Gas & Grocery, Drug Store & recurring bill payments
* Up to the first $25,000 total spend on Gas & Grocery, Drug Store & recurring bill payments
* Up to $250 total  
* 3% up to annual caps of $15,000 on gas and grocery and another $15,000 on bill payments.
* 1% up to annual caps of $5,000 on gas and grocery and another $5,000 on bill payments
N/A
N/A
Notes:

 

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