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onaclaireplane Cashback Credit Cards
Published Aug 17, 2026 6:00 AM
• Updated Aug 18, 2026 2:54 AM
• 5 min read
My top picks if you're looking for a cashback card!
$150 cash offer
Scotiabank
4.6
Best value on recurring bills and groceries
American Express
4.6
Highest cash back for everyday spending
$100 cash offer
Neo Financial
4.6
High cash back on groceries & gas
$100 cash offer
Neo Financial
4.6
Customers who spend heavily on dining, takeout, and retail shopping
$100 cash offer
Neo Financial
4.6
Strong flat-rate cashback on all purchases
Wealthsimple
4.0
Rogers Bank
4.5
Flat cash back rate with some travel perks
Rogers Bank
3.8
Annual Fee
$120
$0 first year
$139
$0 first year
$119.88
$99
$120
$0 first year
$139
$0 first year
$149
$0 first year
$149
$0 first year
$149
$0 first year
$240
$0
$0
Interest Rates
Purchase
20.99%
Cash advance
22.99%
Balance transfer
22.99%
Purchase
21.99%
Cash advance
22.99%
Quebec
21.99%
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Purchase
20.99%
Cash advance
22.99%
Quebec
21.99%
Balance transfer
22.99%
Purchase
20.99%
Cash advance
22.99%
Quebec
21.99%
Balance transfer
22.99%
Purchase
21.99%
Cash advance
23.99%
Quebec
21.99%
Balance transfer
23.99%
Quebec
21.99%
Purchase
19.99% - 26.99%
Quebec
19.99% - 23.99%
Cash advance
22.99% - 28.99%
Balance transfer
22.99% - 31.99%
Purchase
19.99% - 26.99%
Quebec
19.99% - 23.99%
Cash advance
22.99% - 28.99%
Balance transfer
22.99% - 31.99%
Purchase
19.99% - 26.99%
Quebec
19.99% - 23.99%
Cash advance
22.99% - 28.99%
Balance transfer
22.99% - 31.99%
Purchase
20.99%*
Cash advance
22.99%*
Rate details
Purchase
21.99% - 25.99%*
Cash advance
22.99% - 27.99%*
Balance transfer
22.99% - 27.99%*
Rate details
Purchase
21.99% - 25.99%*
Cash advance
22.99% - 27.99%*
Balance transfer
22.99% - 27.99%*
Rate details
Welcome Bonus
Earn 15% Cash Back on all purchases for the first 3 months, a 0% introductory interest rate on balance transfers, and no annual card fees in the first year
Earn up to $600 in total value†
Up to $250 ($200 in first year)
Get 12% cash back for the first 3 months on up to $2,000 in total purchases^ Apply by September 30, 2026.
Earn up to $350 in value†
Get up to $650 in value*
$0 First-Year Annual Fee and $100 Welcome Bonus
$0 First-Year Annual Fee and $100 Welcome Bonus
$0 First-Year Annual Fee and $100 Welcome Bonus
—
Welcome Bonus varies
Welcome Bonus varies
Rewards
1% - 4%
1% - 3%
2% - 4%
1% - 1.5%
1% - 4%
1% - 5%
1% - 5%
1% - 5%
2%
2%
1.5% - 3%
1% - 3%
Finly Offer
Exclusive cash back
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Apply Now
on Scotiabank's website
Apply Now
on TD's website
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on American Express' website
Apply with Confidence — won't impact your credit score
Apply Now
on RBC's website
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on BMO's website
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on Neo Financial's website
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on Neo Financial's website
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on Neo Financial's website
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on Wealthsimple's website
Apply Now
on Rogers Bank's website
Apply Now
on Rogers Bank's website
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
About the author
Claire Haughian
Hi, I'm Claire 👋🏼, your one-stop shop for all things travel, and points and miles strategies, in Canada. I run @onaclaireplane because the points and miles world is loud, confusing, and full of hyp... See full bio
