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Credit Card Comparison - All Cash Back Rewards Cards

Last Updated on September 24, 2024


Here you can compare all of the Cash Back Rewards credit cards that are available in the Canadian market. The charts include costs, earn rates, redemption rules, insurance, benefits and more. Please note other rewards cards that have a cash back option (like travel cards) are not included in these charts.

Recommendation: Due to the size and detail of these charts they are best viewed on a desktop or tablet.

Mobile Users

If you are using a mobile phone, flip to landscape to better use the seach and view the details of the cards. Also clicking the icon will present the results in a list view instead of a chart

Instructions!

Selecting which Credit Cards to Compare

Click on the icon to get a list of the cards which you can select for your comparison

If you only want to compare a couple of cards I recommend unchecking "toggle all" which will clear out all the cards (except for the very first one alphabetically) and then you can select the cards you want to compare (and uncheck the very first if you don't want to have that in your comparison)

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While Rewards Canada strives to provide correct and the most up to date information in these charts, changes are inevitable that we may not have been made aware of or have not been able to update by the time you use these charts. We always advise our readers to check the issuer card page for the latest card details. If you do find an error, omission or out of date information in our charts please contact us with the details so that we can update our data as soon as possible.


Top 5 Credit Cards

 All Cash Back Rewards Credit Cards Comparison


Card Amazon Rewards Mastercard SimplyCash® Card from American Express SimplyCash® Preferred Card from American Express ATB Gold Cash Rewards Mastercard BMO CashBack® MasterCard®* BMO CashBack® World Elite®* MasterCard®* Brim Mastercard Brim World Elite Mastercard Capital One Aspire Cash Platinum Mastercard Capital One Smart Rewards Mastercard CIBC Costco Mastercard CIBC Dividend Platinum® Visa* Card CIBC Dividend® Visa* Card CIBC Dividend® Visa Infinite* Card CWB Rewards Mastercard CWB World Elite Mastercard Desjardins Cash Back Mastercard Desjardins Cash Back Visa Desjardins Cash Back World Elite® Mastercard® Envision Cash Back Mastercard Envision Cash Back World Elite Mastercard Home Trust Preferred Visa Card Koho Extra Prepaid Mastercard Koho Reloadable Prepaid Mastercard Laurentian Bank Visa Cashback Laurentian Bank Visa Infinite Card Laurentian Bank Visa Reward Me MBNA Smart Cash Platinum Plus® Mastercard® MBNA Smart Cash® World Mastercard® Meridian Visa Infinite* Cash Back Card National Bank of Canada Allure Mastercard National Bank of Canada ECHO Cashback Mastercard National Bank of Canada mycredit Mastercard Neo Card™ PC Mastercard PC World Mastercard PC World Elite Mastercard RBC Cash Back Preferred World Elite MasterCard RBC Cash Back MasterCard Rogers Mastercard Rogers World Elite Mastercard Scotia Momentum® Mastercard Scotia Momentum® No-Fee Visa* card Scotia Momentum® Visa* Card Scotia Momentum® Visa* Infinite Card Servus Credit Union Gold Mastercard Servus Credit Union No Fee Mastercard Servus Credit Union World Elite Mastercard Simplii Financial™ Cash Back Visa* Card Tangerine Money-Back Credit Card Tangerine World Mastercard® TD Cash Back Visa* Card TD Cash Back Visa Infinite* Card Triangle Mastercard Triangle World Elite Mastercard Walmart Rewards MasterCard Walmart Rewards World MasterCard
Card Type Shopping Rewards Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Shopping Rewards Shopping Rewards Shopping Rewards Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Cash Back Shopping Rewards Shopping Rewards Shopping Rewards Shopping Rewards
Annual Fee $0 $0 $9.99 per month ($119.88/year) $0 $0 $120 $0 $199 $0 $0 $0 $99 $0 $120 $0 $120 $0 $0 $100 $0 $120 $0 $9 per month or $84 per year $4 per month or $48 per year $65 $130 $0 $0 $39 $99 $0 $30 $0 $0 (monthly fee for add on bundles) $0 $0 $0 $99 $0 $0 $0 $0 $0 $39 $120 $75 $0 $150 $0 $0 $0 $0 $139 $0 $0 $0 $0
Limited Time Annual Fee Offer N/A N/A N/A N/A N/A $0 in the first year N/A $0 in the first year N/A N/A N/A $0 in the first year N/A $0 in the first year N/A $0 in the first year 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 $0 in the first year 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 $0 in the first year N/A N/A N/A N/A N/A N/A N/A $0 in the first year N/A N/A N/A N/A
Additional Card Fee $0 $0 $0 $0 $0 $50 $0 $50 $0 $0 $0 $30 $0 $30 $0 $50 $0 $0 $0 for members ($30 for non-members) $0 $50 $0 $0 $0 $0 $50 $0 $0 $0 $30 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $15 $50 $0 $0 $40 $0 $0 $0 $0 $50 for 1st card $0 for any additional $0 $0 $0 $0
Interest Rate 19.99% Purchase 22.99% Cash Advance 21.99% Purchase † 21.99% Cash Advance † 21.99% Purchase † 21.99% Cash Advance † 19.99% Purchase 22.99% Cash Advance 20.99% Purchase 23.99% Cash Advance 20.99% Purchase 23.99% Cash Advance 19.99% Purchase 21.50% Cash Advance 19.99% Purchase 21.50% Cash Advance 19.8% Purchase 21.9% Cash Advance 21.9% Purchase 21.9% Cash Advance 19.75% Purchase 21.49% Cash Advance 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 19.99% Purchase 21.50% Cash Advance 19.99% Purchase 21.50% Cash Advance 19.9% 19.9% 19.9% 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 21.99% Purchase 21.99% Cash Advance N/A N/A 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 19.99% Purchase 22.99% balance transfers / 24.99% Cash Advance 19.99% Purchase 22.99% balance transfers / 24.99% Cash Advance 19.50% Purchase 21.99% Cash Advance 20.99% Purchase 22.49% Cash Advance 20.99% Purchase 22.49% Cash Advance 20.99% Purchase 22.49% Cash Advance 19.99% - 29.99% Purchase 22.99% - 31.99% Cash Advance 20.97% Purchase 22.97% Cash Advance 20.97% Purchase 22.97% Cash Advance 20.97% Purchase 22.97% Cash Advance 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 19.99% Purchase 22.99% Cash Advance 19.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 19.99% Purchase 22.99% Cash Advance 19.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 19.99% Purchase 19.99% Purchase 19.99% Purchase 19.99% Purchase 22.99% Cash Advance 19.95% Purchase and Cash Advance 19.95% Purchase and Cash Advance 19.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 19.98% Purchase 22.97% Cash Advance 19.98% Purchase 22.97% Cash Advance
Foreign Transaction Fee 2.5% 2.5% 2.5% 2.9% 2.5% 2.5% 0% 0% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 0% 0% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
Minimum Income Requirements N/A N/A N/A N/A N/A $80,000 (individual)
or $150,000 (household)
N/A $80,000 (individual)
or $150,000 (household)
N/A N/A N/A $15,000 household $15,000 household $60,000 personal or $100,000 household annual income N/A $80,000 (individual)
or $150,000 (household)
N/A N/A $80,000 personal or $150,000 household annual income N/A $80,000 personal or $150,000 household annual income $15,000 N/A N/A N/A $60,000 personal or $100,000 household N/A N/A $60,000 personal or $100,000 household $60,000 personal or $100,000 household N/A N/A N/A N/A N/A $60,000 personal or $100,000 household annual income $80,000 personal or $150,000 household annual income $80,000 personal or $150,000 household annual income N/A N/A $80,000 personal or $150,000 household annual income N/A N/A N/A $60,000 personal or $100,000 household N/A N/A $80,000 personal or $150,000 household annual income $15,000 N/A $60,000 personal or $100,000 household N/A $60,000 personal or $100,000 household N/A $80,000 personal or $150,000 household annual income N/A $100,000 annual household income
Current Welcome Bonus 5% back for the first 6 months on your first $3,000 in eligible purchases at Amazon.ca, Whole Foods Market, grocery stores, and restaurants In your first 3 months as a new SimplyCash® Card from American Express Cardmember, you can earn a bonus 5% cash back on all purchases (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates. That’s up to $100 in bonus cash back. Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months. N/A Get 5% cash back in your first 3 months Get up to 10% cash back in your first 3 months Earn $200+ in first time purchase bonuses Earn $500+ in first time purchase bonuses N/A N/A N/A 10% cash back in the first 4 statement periods on up to $2,500 in spend 5% cash back in the first 4 statement periods 10% cash back in the first 4 statement periods on up to $2,500 in spend N/A N/A N/A N/A N/A N/A $150 (awarded as 15,000 points) N/A N/A N/A N/A N/A N/A Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500) Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500) N/A N/A N/A $75 cashback if $1,500 in net purchases is charged to the credit card account within the first three months $25 cash back upon approval 20,000 points 20,000 points 20,000 points N/A N/A $60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service N/A 7.99% introductory interest rate on purchases for the first 6 months Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases) Plus get a 0.99% introductory interest rate on balance transfers for the first 6 months Get a 0% introductory interest rate on balance transfers for the first 6 months Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases) 5,000 Servus Circle Rewards points N/A 25,000 Servus Circle Rewards points For your first 4 months with a Simplii Financial Cash Back Visa* Card, enjoy 10% cash back on eligible restaurants, food delivery and bar purchases. Up to $500 spend † Extra 10% back on up to $1,000 in everyday purchases made within your first 2 months. Extra 10% back on up to $1,000 in everyday purchases made within your first 2 months. N/A Earn 10% in Cash Back Dollars in the first 3 months on Gas Purchases, Grocery Purchases & Pre-authorized payments up to a total spend of $3,500 N/A N/A $45 $45
Welcome Bonus Value
$150 $100 $250 N/A $125 $260 Will vary based on the merchant offers you use Will vary based on the merchant offers you use N/A N/A N/A $250 $100 $250 N/A N/A N/A N/A N/A N/A $150 N/A N/A N/A N/A N/A N/A $150 $150 N/A N/A N/A $75 $25 $20 $20 $20 N/A N/A $100 N/A N/A $100 N/A $200 $50 N/A $250 $50 $100 $100 N/A $350 $0 $0 $45 $45
Renewal or Additional Bonus N/A N/A N/A N/A N/A N/A $20 (2,000 points) for referrals $20 (2,000 points) for referrals 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 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 50% bonus on your earned cash back value when redeemed for Rogers purchases 50% bonus on your earned cash back value when redeemed for Rogers purchases N/A N/A N/A N/A 25% of annual fee returned in Profit Share Rewards Cash paid each year N/A 25% of annual fee returned in Profit Share Rewards Cash paid each year N/A N/A N/A N/A N/A N/A Free roadside assitance Gold Plan N/A N/A
Travel Purchases Earn Rate 1%
(Prime members will earn 2.5% if the purchase is in a foreign currency)
1.25% 2% 1% 0.5% 1% 1% 2%^ 1% 0.67% 1% 1% 0.5% 1% 1% 2%^ 0.5% 0.5% 1% 0.5% 1% 1% (on purchases in Canada only) 0.5% 0.25% 1% 2% 0.5% 0.5% 1% 1% 0.5% 1% 0.5% 0.5% to 5% or more 2% for PC Travel otherwise 1% 2% for PC Travel otherwise 1% 3% for PC Travel otherwise 1% 1.5% up to the annual cap then 1% 0.5% on the first $6,000 in all spending outside of groceries then 1% for spending over $6,000 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 0.5% 0.5% 1% 1% 1% 0.5% 2% 0.5% 2% (Hotels only) if it is one of your selected categories to earn more otherwise 0.5% 2% (Hotels only) if it is one of your selected categories to earn more otherwise 0.5% 0.5% 1% 0.5% 1% 1% 1%
Grocery Purchases Earn Rate 1%
(Prime members will earn 2.5% at Whole Foods Market or if the purchase is in a foreign currency)
2%^ 4%^ 1% 3%^ 5%^ 1% 2%^ 1% 0.67% 1% 3%^ 2%^ 4%^ 1% 2%^ 0.5% 0.5% 4% 1% 4% 1% (on purchases in Canada only) 2% 1% 2% 2% 1% 2%^ 2%^ 4%^ up to annual cap then 1% 0.5% 1.5% 0.5% 0.5% to 5% or more 1% 2% for Loblaw family of stores otherwise 1% 3% for Loblaw family of stores otherwise 1% 1.5% up to the annual cap then 1% 2% up to annual cap then 1% 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 1% 1% 2% up to annual cap then 1% 1% 1% 0.5% 2% 1.5% up to the annual cap then 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 1% up to annual cap then 0.5% 3% up to annual cap then 1% 1.5% up to annual cap (excludes Costco and Walmart) 3% up to annual cap (excludes Costco and Walmart) 5% on select Walmart brands otherwise
1.25% at Walmart otherwise 1%
5% on select Walmart brands otherwise
1.25% at Walmart / 3% at Walmart.ca otherwise 1%
Dining / Food Delivery Purchases Earn Rate 1%
(Prime members will earn 2.5% if the purchase is in a foreign currency)
1.25% 2% 1% 0.5% 1% 1% 2%^ 1% 0.67% 3% 2%^ 1%^ 2%^ 1% 2%^ 2% 2% 3% 0.5% 2% 1% (on purchases in Canada only) 2% 1% 1% 1% 0.5% 0.5% 1% 1% 0.5% 1.5% if considered an online purchase otherwise 1% 0.5% 0.5% to 5% or more 1% 1% 1% 1.5% up to the annual cap then 1% 0.5% on the first $6,000 in all spending outside of groceries then 1% for spending over $6,000 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 0.5% 0.5% 1% 1% 1% 0.5% 2% 4% (restaurants, bars, coffee shops) up to the annual cap then 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 0.5% 1% 0.5% 1% 1% 1%
Entertainment Purchases Earn Rate 1%
(Prime members will earn 2.5% if the purchase is in a foreign currency)
1.25% 2% 1% 0.5% 1% 1% 2%^ 1% 0.67% 1% 1% 0.5% 1% 1% 2%^ 2% 2% 3% 1% 1% 1% (on purchases in Canada only) 0.5% 0.25% 1% 1% 0.5% 0.5% 1% 1% 0.5% 1.5% if considered an online purchase otherwise 1% 0.5% 0.5% to 5% or more 1% 1% 1% 1.5% up to the annual cap then 1% 0.5% on the first $6,000 in all spending outside of groceries then 1% for spending over $6,000 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 0.5% 0.5% 1% 1% 1% 0.5% 2% 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 0.5% 1% 0.5% 1% 1% 1%
Gas & Transit** Purchases Earn Rate
(** May include ride share, taxi, etc.)
1%
(Prime members will earn 2.5% if the purchase is in a foreign currency)
2% (Gas Only) 4% (Gas Only) 1% 0.5% 4% (Transit)
3%^ (Gas & EV Charging)
1% 2%^ 1% 0.67% 3% (Costco Gas only) otherwise 2% 3%^
(Gas & EV Charging only)
2%^ (Transit)
1%^ 4%^
(Gas & EV Charging only)
2%^ (Transit)
1% 2%^ 2% (Transit and alternative transportation only) 2% (Transit and alternative transportation only) 3% (Transit and alternative transportation only) 2% (Gas Only) 4% (on sustainable transportaiton only) otherwise 1% 1% (on purchases in Canada only) 2% 1% 2% (Gas Only) otherwise 1% 2% 1% (Gas Only) otherwise 0.5% 2%^ (Gas only) 2%^ (Gas only) 4%^ (Gas Only) otherwise 1% 0.5% 1.5% (Gas only) other wise 1% 0.5% 0.5% to 5% or more 1% with up to 20 points extra per litre at Esso Mobil 1% with up to 20 points extra per litre at Esso Mobil 1% with up to 20 points extra per litre at Esso Mobil 1.5% up to the annual cap then 1% 0.5% on the first $6,000 in all spending outside of groceries then 1% for spending over $6,000 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 1% (Gas only) 1% (Gas only) 2% (Gas Only) up to annual cap then 1% 2% 1% 0.5% 2% 1.5% (gas only) up to the annual cap then 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 1% (Gas only) up to annual cap then 0.5% 3% (Gas only) up to annual cap then 1% 5¢ per litre at Gas+ and Essence+ locations.
0.5% on all other gas
7¢ per litre in CT Money on premium fuel, 5¢ per litre on all other fuel types at Gas+ and Essence+ locations.
1% on all other gas
2% 2%
Drug Store Purchases Earn Rate 1%
(Prime members will earn 2.5% if the purchase is in a foreign currency)
1.25% 2% 1% 0.5% 1% 1% 2%^ 1% 0.67% 1% 1% 0.5% 1% 1% 2%^ 0.5% 0.5% 1% 0.5% 1% 1% (on purchases in Canada only) 0.5% 0.25% 1% 1% 0.5% 0.5% 1% 2%^ up to annual cap then 1% 0.5% 1.5% if considered an online purchase otherwise 1% 0.5% 0.5% to 5% or more 1% 2% at Shoppers Drug Mart otherwise 1% 3% at Shoppers Drug Mart otherwise 1% 1.5% up to the annual cap then 1% 0.5% on the first $6,000 in all spending outside of groceries then 1% for spending over $6,000 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 1% 1% 2% up to annual cap then 1% 1% 1% 0.5% 2% 1.5% up to the annual cap then 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 0.5% 1% 0.5% 1% 1.25% at Walmart otherwise 1% 1.25% at Walmart / 3% at Walmart.ca otherwise 1%
Streaming Services 1%
(Prime members will earn 2.5% if the purchase is in a foreign currency)
1.25% 2% 1% 1%^ (if considered a recurring bill) otherwise 0.5% 2%^ (if considered a recurring bill) otherwise 1% 1% 2%^ 1% 0.67% 1% 2%^ (if considered a recurring bill) otherwise 1% 1%^ (if considered a recurring bill) otherwise 0.5% 2%^ (if considered a recurring bill) otherwise 1% 1% 2%^ 2% (if considered a pre-authorized payment) otherwise 0.5% 2% (if considered a pre-authorized payment) otherwise 0.5% 1% 0.5% 2% 1% (on purchases in Canada only) 0.5% 0.25% 2% if considered a recurring bill otherwise 1% 2% if considered a recurring bill otherwise 1% 1% if considered a recurring bill otherwise 0.5% 0.5% 1% 1% 0.5% 1.5% if considered an online purchase (cannot be a subscription or automatic bill payment) otherwise 1% 1% if considered a recurring pre-authorized payments otherwise 0.5% 0.5% to 5% or more 1% 1% 1% 1.5% up to the annual cap then 1% 0.5% on the first $6,000 in all spending outside of groceries then 1% for spending over $6,000 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 1% if considered a recurring bill otherwise 0.5% 1% if considered a recurring bill otherwise 0.5% 2% if considered a recurring bill up to annual cap otherwise 1% 4% if considered a recurring bill otherwise 1% 1% 0.5% 2% 1.5% if considered a recurring bill up to the annual cap otherwise 0.5% 2% if considered a recurring bill and if it is one of your selected categories to earn more otherwise 0.5% 2% if considered a recurring bill and if it is one of your selected categories to earn more otherwise 0.5% 1% if considered a recurring bill up to annual cap then 0.5% 3% if considered a recurring bill up to annual cap otherwise 1% 0.5% 1% 1% 1%
Other Digital Media, Membership & Household Utility Purchases Earn Rate 1%
(Prime members will earn 2.5% if the purchase is in a foreign currency)
1.25% 2% 1% 1%^ (if considered a recurring bill) otherwise 0.5% 2%^ (if considered a recurring bill) otherwise 1% 1% 2%^ 1% 0.67% 1% 2%^ (if considered a recurring bill) otherwise 1% 1%^ (if considered a recurring bill) otherwise 0.5% 2%^ (if considered a recurring bill) otherwise 1% 1% 2%^ 2% (if considered a pre-authorized payment) otherwise 0.5% 2% (if considered a pre-authorized payment) otherwise 0.5% 1% 0.5% 2% on select merchants otherwise 1% 1% (on purchases in Canada only) 0.5% 0.25% 2% if considered a recurring bill otherwise 1% 2% if considered a recurring bill otherwise 1% 1% if considered a recurring bill otherwise 0.5% 0.5% 1% 2%^ (Utilities only) otherwise 1% 0.5% 1.5% if considered an online purchase (cannot be a subscription or automatic bill payment) otherwise 1% 1% if considered a recurring pre-authorized payments otherwise 0.5% 0.5% to 5% or more 1% 1% 1% 1.5% up to the annual cap then 1% 0.5% on the first $6,000 in all spending outside of groceries then 1% for spending over $6,000 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 1% if considered a recurring bill otherwise 0.5% 1% if considered a recurring bill otherwise 0.5% 2% if considered a recurring bill up to annual cap otherwise 1% 4% if considered a recurring bill otherwise 1% 1% 0.5% 2% 1.5% if considered a recurring bill up to the annual cap otherwise 0.5% 2% if considered a recurring bill and if it is one of your selected categories to earn more otherwise 0.5% 2% if considered a recurring bill and if it is one of your selected categories to earn more otherwise 0.5% 1% if considered a recurring bill up to annual cap then 0.5% 3% if considered a recurring bill up to annual cap otherwise 1% 0.5% 1% 1% 1%
Other Recurring Bills that are not part of the two rows above 1%
(Prime members will earn 2.5% if the purchase is in a foreign currency)
1.25% 2% 1% 1%^ 2%^ 1% 2%^ 1% 0.67% 1% 2%^ 1%^ 2%^ 1% 2%^ 2% (if considered a pre-authorized payment) otherwise 0.5% 2% (if considered a pre-authorized payment) otherwise 0.5% 1% 0.5% 2% on select merchants otherwise 1% 1% (on purchases in Canada only) 0.5% 0.25% 2% 2% 1% if considered a recurring bill otherwise 0.5% 0.5% 1% 1% 0.5% 1.5% if considered an online purchase (cannot be a subscription or automatic bill payment) otherwise 1% 1% if considered arecurring pre-authorized payments otherwise 0.5% 0.5% to 5% or more 1% 1% 1% 1.5% up to the annual cap then 1% 0.5% on the first $6,000 in all spending outside of groceries then 1% for spending over $6,000 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 1% 1% 2% up to annual cap then 1% 4% 1% 0.5% 2% 1.5% up to the annual cap then 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 1% if considered a recurring bill up to annual cap then 0.5% 3% up to annual cap then 1% 0.5% 1% 1% 1%
All Other Purchases Earn Rate 1%
(Prime members will earn 2.5% at Amazon.ca or if the purchase is in a foreign currency)
1.25% 2% 1% 0.5% 1% 1% 2%^ 1% 0.67% 1% except for Costco.ca purchases which are 2% 1% 0.5% 1% 1% 2%^ 0.5% 0.5% 1% 0.5% 1% 1% (on purchases in Canada only) 0.5% 0.25% 1% 1% 0.5% 0.5% 1% 1% 0.5% 1.5% if considered an online purchase (cannot be a subscription or automatic bill payment) otherwise 1% 1% if considered arecurring pre-authorized payments otherwise 0.5% 0.5% to 5% or more 1% 1% 1% 1.5% up to the annual cap then 1% 0.5% on the first $6,000 in all spending outside of groceries then 1% for spending over $6,000 2% if you are a Rogers Shaw or Fido customer otherwise 1% unless purchase is in US$ which will earn 2% 2% if you are a Rogers Shaw or Fido customer otherwise 1.5% unless purchase is in US$ which will earn 3% 0.5% 0.5% 1% 1% 1% 0.5% 2% 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 2% if it is one of your selected categories to earn more otherwise 0.5% 0.5% 1% 4% back in CT Money on almost everything at Canadian Tire, Sport Chek, Mark's, L’Équipeur, Party City, Atmosphere, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts.
otherwise 0.5% cash back
4% back in CT Money on almost everything at Canadian Tire, Sport Chek, Mark's, L’Équipeur, Party City, Atmosphere, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts.
otherwise 1% cash back
5% on select Walmart brands otherwise
1.25% at Walmart otherwise 1%
5% on select Walmart brands otherwise
1.25% at Walmart / 3% at Walmart.ca otherwise 1%
^ Annual cap on bonus category spending N/A $15,000 on groceries only $30,000 on groceries only N/A $500 per month groceries, $500 per month recurring bills $500 per month groceries, $300 per month transit, $300 per month gas, $500 per month recurring bills N/A $25,000 annually for 2% N/A N/A $5,000 annually on all gas (incl. Costco) and $8,000 annually for Costco.ca purchases $20,000 for the accelerated categories or $80,000 in gross annual spending $20,000 for the accelerated categories or $80,000 in gross annual spending $20,000 for the accelerated categories or $80,000 in gross annual spending N/A $25,000 annually for 2% N/A N/A N/A $5,000 annually for gas and $5,000 annually for entertainment $20,000 annually for 4% and $20,000 annually for 2% N/A N/A N/A N/A N/A N/A $500 per month for gas & groceries combined $500 per month for gas & groceries combined $25,000 annually for the 4% + $25,000 annually for the 2% categories N/A $25,000 annually for the 1.5% cash back N/A N/A N/A N/A N/A $25,000 annually for the 1.5% cash back $6,000 annually for the grocery 2% N/A N/A N/A N/A $25,000 annually for the 2% categories $25,000 annually for the 4% categories plus $25,000 annually for the 2% categories N/A N/A N/A $5,000 annually for the 4% and $15,000 for the 1.5% N/A N/A $5,000 annually on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payment $15,000 annually on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payment $12,000 annually on grocery purchases $12,000 annually on grocery purchases $5,000 annually on gas + transit $5,000 annually on gas + transit
Minimum cash back rewards amount required to cash out $20 (Cash back reward limited to Amazon Gift Cards) $0.01 $0.01 $0.01 $1 $1 $0.01 $0.01 $0.01 $1 $0.01 $25 $25 $25 $0.01 $0.01 $25 $25 $100 ? ? $0.01 $0.01 $0.01 $1 $1 $1 $50 $50 $1 $10 $10 $0.01 $0.01 $10 (Redemptions can only be made at PC Optimum partners) $10 (Redemptions can only be made at PC Optimum partners) $10 (Redemptions can only be made at PC Optimum partners) $25 $25 $10 $10 $0.01 $0.01 $0.01 $0.01 Unknown Unknown Unknown $0.01 $0.01 $0.01 $25 $25 $0.01
(Redemptions can only be made at stores participating in Triangle Rewards)
$0.01
(Redemptions can only be made at stores participating in Triangle Rewards)
$5 (Redemptions can only be made at Walmart) $5 (Redemptions can only be made at Walmart)
Cash Back Liquidity (When you can cash out) Anytime Once per year in September Once per year in September Once per year in January Anytime Anytime Anytime Anytime Anytime Anytime Once per year in January Anytime Anytime Anytime Anytime Anytime Automatically Credited Automatically Credited Automatically Credited Anytime Anytime Once per year in January Automatically Credited Automatically Credited Anytime Anytime Anytime Anytime Anytime Anytime Once per year Anytime Automatically credited Automatically credited Anytime Anytime Anytime Anytime Anytime Anytime Anytime Once per year Once per year Once per year Once per year Unknown Unknown Unknown Once per year Automatically credited (Monthly) Automatically credited (Monthly) Anytime Anytime Anytime Anytime Anytime Anytime
Annual Credit 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 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 N/A N/A N/A N/A N/A N/A N/A 5 Roam Like Home days at no cost every year 5 Roam Like Home days at no cost every year 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
Airport Lounge Access Membership No No No No No Yes No Yes No No No No No No No Yes No No Yes No Yes No No No No No No No Yes No No No No Available via an add on bundle No Yes Yes Yes No No Yes No No No No No No Yes No No Yes No No No Yes No Yes
Airport Lounge Access Annual Passes 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Free Global Wi-Fi No No No No No Yes Yes Yes     No No No No Yes Yes No No Yes No Yes No No No No No No No Yes No No No No No No Yes Yes Yes No No Yes No No No No No No Yes No No Yes No No No Yes No Yes
Common Carrier Travel Accident Insurance None $100,000 $100,000 $300,000 None $500,000 $300,000 $500,000 $250,000 $250,000 None $500,000 $100,000 $500,000 $300,000 $500,000 None None None None None   None None None $500,000 None $1,000,000 $1,000,000 $1,000,000 None None None None None None None None None None None None None None $500,000 $500,000 $100,000 $500,000 None None None None None None None None None
Flight Delay Insurance None None 4 hours
$500 in total
4 hours
$250/day $500 in total
None 4 hours
$500 in total
None 4 hours $500/day $1,000 in total None None None None None None None 4 hours $500/day $1,000 in total None None None None None None None None None None None None None None None None None Available via an add on bundle None None None None None None None None None None 4 hours
$500 in total
None None None None None None None None None None None None
Delayed Baggage Insurance None None 6 hours
$500 in total
4 hours
$250/day $500 in total
None 6 hours
$500 per trip
None 6 hours $500/day $1,000 in total 4 hours up to $300 4 hours up to $300 None None None None None 6 hours $500/day $1,000 in total 6 hour up to $500 per person 6 hour up to $500 per person 6 hour up to $500 per person None 6 hour up to $500 per trip None None None None 12 hours up to $500 per person $2,500 per trip None None None 6 hours
up to $500 per person
None None None Available via an add on bundle None None None None None None None None None None 4 hours
$500 in total
6 hours up to $100 per day / $300 in total 6 hours up to $100 per day / $300 in total 6 hours up to $100 per day / $300 in total None None None None up to $1,000 per person None None None None
Lost / Stolen Baggage Insurance None None $500 in total None None up to $750 per person / $2,000 max per trip None up to $1,000 per person / $2,000 max per trip None None None None None None None up to $1,000 per person / $2,000 max per trip up to $500 per person up to $500 per person up to $500 per person None up to $500 per trip None None None None None None None None Up to $1,000 per person None None None Available via an add on bundle None None None None None None None None None None $500 in total None None None None None None None up to $1,000 per person None None None None
Damaged Baggage Insurance None None $500 in total None None up to $750 per person / $2,000 max per trip None up to $1,000 per person / $2,000 max per trip None None None None None None None up to $1,000 per person / $2,000 max per trip up to $500 per person up to $500 per person up to $500 per person None up to $500 per trip None None None None None None None None Up to $1,000 per person None None None Available via an add on bundle None None None None None None None None None None None None None None None None None None None None None None None
Trip Cancellation Insurance None None None None None None None up to $2,000 per person / $5,000 max per trip None None None None None None None up to $2,000 per person / $5,000 max per trip up to $500 per person up to $500 per person up to $500 per person None None None None None None up to $2,000 per person None None None Up to $2,000 per person None None None Available via an add on bundle None None None None None None up to $1,000 per person / $5,000 max per trip None None None Yes $1,500 per person
(up to $10,000 per trip)
Up to $3,000 per trip None Up to $3,000 per trip None None None None None None None None None
Trip Interruption Insurance None None None None None

$2,000 per person (max $10,000 per trip)

None up to $5,000 per person / $25,000 max per trip None None None None None None None up to $5,000 per person / $25,000 max per trip up to $1,000 per person up to $1,000 per person up to $1,000 per person None None None None None None up to $5,000 per person None None None Up to $2,000 per person None None None Available via an add on bundle None None None None None None up to $1,000 per person / $5,000 max per trip None None None $2,000 per person
(up to $10,000 per trip)
Up to $2,000 per trip None Up to $2,000 per trip None None None None None None None None None
Travel Medical Insurance up to 64 years old None None 15 Days None None 8 days - up to $5 million None 15 days None None None None None 10 days None 15 days 3 days 3 days 3 days None 15 days None None None None 31 days None None None 48 days to age 59, 23 days ages 60-64 None None None Available via an add on bundle None None 10 days None None None 10 days None None None 15 Days 15 days None 15 days None None None None 10 days None None None None
Travel Medical Insurance 65+ None None None None None None None 3 days None None None None None None None 3 days 3 days to age 75 3 days to age 75 3 days to age 75 None None None None None None 15 days None None None 15 days to age 75 None None None Available via an add on bundle - 14 days up to age 60 None None None None None None 3 days to age 75 None None None None 15 days under age 75 None 15 days under age 75 None None None None 4 days None None None None
Auto Rental/Loss Damage Insurance None None 48 Days
Up to $85,000 MSRP
31 Days
Up to $65,000 MSRP
None 48 Days
Up to $65,000 MSRP
None 48 Days
Up to $85,000 MSRP
31 Days
Up to $65,000 MSRP
31 Days
Up to $65,000 MSRP
None 48 Days
Up to $65,000 MSRP
None 48 Days
Up to $65,000 MSRP
None 48 Days
Up to $85,000 MSRP
None None 48 Days
Up to $85,000 MSRP
None 48 Days
Up to $65,000 MSRP
None None None None 48 Days
Up to $65,000 MSRP
None 31 Days
Up to $65,000 MSRP
31 Days
Up to $65,000 MSRP
48 Days
Up to $65,000 MSRP
None None None None None None 31 Days
Up to $65,000 MSRP
48 Days
Up to $65,000 MSRP
None None 31 Days
Up to $65,000 MSRP
None None None 48 Days
Up to $65,000 MSRP
31 Days
Up to $65,000 MSRP
None 31 Days
Up to $65,000 MSRP
None None 31 Days
Up to $65,000 MSRP
None 48 Days
Up to $65,000 MSRP
None 31 Days
Up to $65,000 MSRP
None None
Hotel / Motel Burglary Insurance None None Up to $500 None None Up to $1,000 None Up to $2,500 None None None None None None None Up to $2,500 None None None None None None None None None None None None None None None None None Available via an add on bundle None None None None None None None None None None None None None None None None None None None None None None None
Purchase Protection 90 Days Up to $60,000 lifetime 90 Days
up to $1,000 per occurrence
90 Days
up to $1,000 per occurrence
90 Days Up to $50,000 lifetime 90 Days Up to $60,000 lifetime 90 Days
Up to $60,000 lifetime
90 Days
Up to $1,000 per occurrence
90 Days
Up to $1,000 per occurrence
120 Days
Up to $60,000 lifetime
120 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
90 Days
Up to $1,000 per occurrence
90 Days
Up to $1,000 per occurrence
90 Days
Up to $50,000 lifetime
90 Days
Up to $50,000 lifetime
120 Days Up to $50,000 lifetime 90 Days Up to $50,000 lifetime 90 Days Up to $50,000 lifetime 90 days Up to $5,000 per occurrence None None 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days
Max $50,000 in a lifetime
90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime Available via an add on bundle 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 120 Days Up to $50,000 annually 90 Days Up to $50,000 annually None 90 Days Up to $60,000 lifetime None None 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime None 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime None 90 Days Up to $10,000 per year None None
Price Protection None None None None None None None None Yes Yes None None None None None None None None None None None None None None None None None None Yes Yes None None None None None None None None None None None None None None None None None Yes None None None None None None None None None
Extended Warranty Plan Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 2 extra years Up to 2 extra years Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 2 extra years Up to 1 extra year Up to 1 extra year None None None Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Available via an add on bundle Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 2 extra years Up to 1 extra year None Up to 1 extra year None None Up to 1 extra year Up to 1 extra year Up to 2 extra years None Up to 2 extra years Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year Up to 1 extra year None Up to 1 extra year None None
Mobile Device Insurance None Up to $1,000 Up to $1,000 None None None Up to $500 Up to $1,500 None None Up to $1,000 None None Up to $1,000 Up to $500 Up to $1,500 Up to $1,000 Up to $1,000 Up to $1,500 Up to $1,000 Up to $1,000 None None None None None None None None Up to $1,000 None None Up to $1,000 Available via an add on bundle None None None None None None None None None None Up to $1,000 None None None None None Up to $1,000 None Up to $1,000 None None None None
Link to Apply ;
                                                                                                                   

This chart was first posted on September 17, 2004 and is updated on a regular basis.

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