Cash Back Credit Cards in Canada
Cash back cards by spending category, with fee break-even math.
Cash back is the simplest reward: a percentage of what you spend comes back as money, with no points to value. This hub is for Canadians who want the card that pays the most on the way they actually spend, whether that's groceries, gas, Costco or everything on one card.
Start with the best cash back cards guide, then the category guides. Every pick shows the math for a stated monthly budget, the annual fee break-even, and who the card doesn't suit. Earn rates, caps and fees come from the issuer's own page with the date checked, because card terms change often.
If you travel more than a couple of times a year, compare against the travel rewards hub before you apply.
What this hub helps you decide:
- Which cash back card pays most on my budget?
- Is an annual fee worth it at my spending?
- Which card works at Costco and grocery stores?
- Should I use one card or two?
Updated November 2026 · 3 guides by Andrew
Start here
- Best Cash-Back Credit Cards by Spending Category for 2026
- Best Credit Cards for Groceries in Canada (2026)
- Best Credit Card for Costco in Canada: The Mastercard-Only Math
New to credit cards? Read the overview first: Best Credit Cards in Canada for 2026: Picks by Spending Profile.
All Cash Back Cards guides
Best Credit Card for Costco in Canada: The Mastercard-Only Math
Costco warehouses take Mastercard, not Visa or American Express. As of September 2026 the CIBC Costco card is $0 and earns 1% in the warehouse.
Best Credit Cards for Groceries in Canada (2026)
As of September 2026, Cobalt earns 5 points per dollar on stand-alone groceries, Scotia Momentum earns 4 percent at Visa grocery merchants, and PC World Elite states 3 percent in points at participating stores.
Best Cash-Back Credit Cards by Spending Category for 2026
Best cash-back credit cards in Canada for 2026, with issuer rates checked October 21, 2026, a $30,000 net-of-fee example, and the Costco and Rogers catches.