We have used this card almost exclusively for a couple of years and quite like it. Looking for that elusive combination of rewards and low interest rates? All these different options make for a truly great credit card. You should always aim to find a credit card that offers bonus categories on the purchases you make the most often. Similarly, the Scotiabank Momentum Visa Infinite offers travel medical emergency for 15 days, not 25 days like on Scotia’s comparable travel cards. This offer, combined with the strong 2% flat-rate cash back on all purchases, makes this credit card a good option for high volume spenders. If you’re interested in a cash back credit card but you don’t want to pay an annual fee, the SimplyCash Card from American Express is a good option. Annual Rewards will change if the user adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. It’s an ambitious project that covers mortgages, saving and investing, and credit cards. Finally, redemptions are easy and often applied to your card’s statement balance automatically.

And you’ll also earn 4 points per $1 spent on gas, groceries, and restaurant purchases in the first 3 months. Editorial Disclaimer: The content here reflects the author's opinion alone. You’ll also have the ability to redeem cash back flexibly at any time (provided you first earn a minimum $25 cash back) instead of only once a year. The card’s 1% cash back rate on spending in Canada combined with its no foreign transaction fees makes it a great all-around cash back card. The Tangerine Money-Back Credit Card is our pick for the best no-fee cash back credit card for its rich rewards rate and flexibility. There’s also the odd fact it won’t earn any bonuses on Rogers payments – like cable or smart phone bills – even though it’s a Rogers branded card. We’ve made a list of the best cash back credit cards in Canada for 2020. For high cash back earn rates and a great welcome bonus, the is a card to take a look at. On top of that, you’ll earn 2 points per $1 spent on absolutely all of your purchases. It’s also worth noting only a tiny handful of cash back credit cards – primarily Tangerine and Simplii Financial – have dining as a bonus category. Afterwards, and on all your other purchases, you’ll get a straightforward 1% back. With the seasons changing, it can be a good time to take a look at your wallet. Hi not sure if you can clarify. Never miss an amazing deal ever again. You’ll earn 4% and 2% on the first $80,000 in total card purchases per year or up to the first $20,000 spent on either groceries, gas, Tim Hortons® or TELUS® purchases. We also wrote a post about best low income credit cards right here: https://creditcardgenius.ca/blog/best-low-income-credit-cards/. BMO allows you to redeem your cash back as a statement credit or directly deposit your rewards into either a BMO chequing, savings, or investment account. For one, it’s got a steep $80,000 income requirement and while it’ll save you on purchases in US dollars, it’s not a true no foreign transaction fee card as you’ll still come out in the negative when making purchases in any other international currency. For instance, you can get a premium Visa or American Express card with a fee along with a no-fee Mastercard as back-up. Certain recurring payments may not fall under this category however – monthly gym memberships and certain insurance payments may not, for example. Completing the CAPTCHA proves you are a human and gives you temporary access to the web property. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of Canadian credit cards. And you can earn up to $500 in first time bonuses when you shop with Brim’s partners. The card comes with a balance transfer offer of 1.99% for the first nine months (plus a flat 1% transfer fee), which can help you consolidate debts from your older cards.

There’s a wide range of gift cards available, including Amazon. My wife has a retired income of $1000 per month. Its redemption structure, which lets you access your cash back as soon as you accumulate $1, also can’t be beaten in terms of flexibility. 1 point per $1 spent on all other purchases. You’ll also have access American Express Invites, which unlocks front of line pre-sale and reserved tickets as well as access to exclusive theatre and show offers.
Why this is one of the best cash back credit cards: Getting 2% cash back is simple with the Citi Double Cash Card, which earns 1% cash back on card spending and 1% when for paying off your purchases.


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