Top 9 Recurring Transaction Credit Cards of 2025

From our editors: the top recurring transaction credit cards in Canada

1. Best Overall: Scotia Momentum Visa Infinite Card

The Scotia Momentum Visa Infinite Card offers impressive cashback rates on common categories like recurring purchases and groceries, so you can optimize bill payments and restocking the refrigerator at the same time. Topped off with strong insurance coverage, car rental discounts, and a first-year-annual-fee rebate, it's no wonder this Visa card takes first place.

Note, however, that there are some annual income requirements you'll need to meet to qualify. Get the full breakdown in our Scotia Momentum Visa Infinite Card Review.

2. Best for Boosted Cashback: Neo World Elite Mastercard

Sometimes, with Canadian credit cards, what you see isn't what you get. At first glance, the Neo World Elite Mastercard's cashback rates on recurring purchases, groceries, and gas are already tempting, but there's more than meets the eye. You can actually collect extra cashback on these categories, as well as others, when purchasing from Neo Partners. This means that recurring purchases, like subscription fees from Netflix, Spotify, and Amazon Prime, can be optimized even further.

The catch? This card comes with high annual income requirements, making it a little less accessible. Learn more in our Neo World Elite Mastercard Review.

3. Best for Streaming Services: Amex Cobalt Card

Eager to optimize streaming services specifically? Look no further than the American Express Cobalt Card, one of the best credit cards in Canada. With solid points per dollar spent on eligible streaming services in Canada, you can optimize every couch binge. The card also offers amazing points per dollar spent on eligible dining, grocery, and food delivery purchases.

Cardholders can also expect commendable coverage and a hotel travel credit, just mind the annual fee. Find out more in our American Express Cobalt Card Review.

4. Best for Household Utility Purchases: MBNA Rewards World Elite Mastercard

This contender grants you strong points per dollar spent on household utility purchases, plus digital media, and membership purchases, all of which can be considered recurring transactions. The MBNA Rewards World Elite Mastercard is also recognized as one of the best grocery credit cards in Canada. These reward rates are complemented by perks like an annual birthday bonus, car rental discounts, and price protection.

To qualify for this card, however, you'll need to pay an annual fee and meet high annual income requirements. See more in our MBNA Rewards World Elite Mastercard Review.

5. Best for Rogers Customers: Rogers Red World Elite Mastercard

Perhaps you're a qualifying Rogers, Fido, Comwave or Shaw customer. If so, you should consider the Rogers Red World Elite Mastercard, also know as one of Canada's best no annual fee credit cards. Qualifying members receive extraordinary cashback on all USD and non-USD purchases, plus even more cashback when they redeem their rewards towards eligible service purchases.

As if that wasn't enough, this card also includes an airport lounge Dragon Pass, no cost roaming opportunities, and valuable travel insurance like trip interruption, trip cancellation, and emergency medical coverage (which is rare for a no-fee card!). Of course, all of these perks come with one caveat: high annual income requirements. Discover more in our Rogers Red World Elite Mastercard Review.

6. Best for Best for Mid-Tier Cashback: TD Cash Back Visa Infinite Card

Sure, we've examined plenty of credit cards that optimize recurring purchases more than the TD Cash Back Visa Infinite Card, but this contender doesn't require high annual income requirements or memberships to collect that cashback, making it a good mid-tier option.

For relatively lower annual income requirements, cardholders receive admirable cashback on recurring bill payments and streaming, plus other common categories like gas, groceries, and transit. Another notable addition to this card is roadside assistance, offering 24-hour emergency road services through a Deluxe TD Auto Club membership. Read more in our TD Cash Back Visa Infinite Card Review.

7. Best for Customizable Cashback: Tangerine World Mastercard

Looking for more more control over how you earn cashback? The Tangerine World Mastercard has you covered, allowing cardholders to select 2 cashback categories out of the 13 offered by Tangerine, plus a third when you deposit your rewards into a Tangerine Savings Account. One of these available categories, of course, is recurring bill payments.

To tempt you even further, the Tangerine World Mastercard offers a Dragon Pass membership, avoids annual fees, and provides valuable coverage like mobile device insurance. Just make sure you meet the annual income requirements. For more information, check out our Tangerine World Mastercard Review.

8. Best for Benefits: BMO CashBack World Elite Mastercard

If you want a handful of helpful benefits on top of recurring transaction optimization, then the BMO CashBack World Elite Mastercard is for you. On top of decent cashback rates on recurring payments, plus solid rates on groceries, transit, and gas, this card includes valuable perks like an airport lounge Dragon Pass, roadside assistance, a global data roaming plan, and discounts on gas and rental cars.

To make the card more enticing, the first year fee is completely waived and BMO Premium Chequing Account holders can receive continuous yearly fee waivers. Just note that the card comes with high annual income requirements. Get all the information in our BMO CashBack World Elite Mastercard Review.

9. Best for No-Fee Boosted Cashback: Neo World Mastercard

If you liked the cashback-boosting opportunities presented by the Neo World Elite Mastercard, budget-friendly cardholders will love the Neo World Mastercard. For no annual fee and much smaller annual income requirements, this card offers decent cashback rates on recurring purchases, groceries, and gas. Both the specialized categories and additional categories can also receive extra cashback at Neo Partners, effectively earning you bonus cashback when you use your card for eligible subscription fees. Read the full report in our Neo World Mastercard Review.

How we picked these cards

To determine the best recurring transaction credit cards in Canada, our editors analyzed each card’s reward rate on recurring purchases such as streaming services, phone bills, and subscriptions. We also considered whether cards offered additional value in other essential spending categories like groceries and gas. Annual fees, ease of redeeming rewards, and accessibility based on income requirements played an important role, along with valuable perks such as insurance coverage, airport lounge access, and travel or mobile protection. Finally, we looked at which cards provided the most flexibility for Canadians who automate bill payments or prefer customized cashback options.

Best Credit Cards for utilities

Utilities are considered a recurring purchase or a non-recurring purchase depending on whether you allow the payment to be taken automatically from your credit card or not.

So, if you have pre-authorized payments in place for your utility bills, then most of the cards above are your good options, especially the MBNA Rewards World Elite Mastercard, which optimizes household utilities specifically.

What recurring transactions and bills qualify for increased rewards?

When you allow a merchant to automatically deduct money from your credit card for their product or service, this is considered a recurring transaction. Cards that optimize recurring transactions will effectively reward you for those payments.

A few examples of recurring transactions are:

• Subscriptions
• Phone bills
• Internet bills
• Streaming and audio services (Spotify, Netflix, etc)
• Membership (Gym memberships)

Some of these services might ask you to pay directly from your online banking. For example, many utilities don't take credit cards; therefore, when you pay from direct banking, you would not qualify for credit card rewards. Also, if some of these services offer you month-to-month payments manually instead of setting up automatic billing, your transaction might not qualify as a recurring transaction.

Reasons to avoid paying recurring transactions and recurring bills using a credit card

When you are given the option to pay your bills (like utilities) with your credit card, it's good to check whether there are any additional fees when you choose this option.

Most companies try to choose direct payments because they have very few fees, but if they choose to accept credit cards, associated fees can typically range between 1% and 3% to the credit card processors. Because of this, in many cases, companies may choose to pass on this fee to you, which makes the transaction more expensive than direct payments.

In these cases, do the math and see whether it's worth the rewards you get in return with a recurring transaction credit card or not.