Cash back cards

BMO CashBack® MasterCard®* for Students

Annual interest rate 19.99% annual interest rate, 22.99% on cash advances*
Rewards rate Earn 0.5 – 5% cash back
Annual fee $0 annual fee

Card details

Purchase 19.99% purchases, 22.99% cash advances*
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro N/A
Balance Transfer See Terms*
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement $0
Dishonoured Payment N/A
Grace Period 21 Days

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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Cash interest rate of 22.99%, 21.99% for Québec residents
Welcome offer: Get 5% cash back in your first 3 months*
Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
Now earn the highest cash back on groceries in Canada without paying an annual fee!†
Get cash back every time you spend, plus start building a healthy credit history
Best BMO CashBack Mastercard for Students
Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account*
No Annual fee*
Extended Warranty*
Purchase Protection*
Receive a discount on car rentals*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
†Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of March 1, 2022.

BMO CashBack® World Elite®* MasterCard®*

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Annual interest rate 20.99% annual interest rate, 23.99% on cash advance*
Rewards rate Earn 1 – 10% cash back
Annual fee $120 annual fee, waived for the first year

Card details

Purchase 20.99% purchases, 23.99% cash advances*
Annual $120 Waived for the first year
Balance Transfer 22.99%
Balance Transfer Intro N/A
Balance Transfer See Terms*
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement $80,000
Dishonoured Payment N/A
Grace Period 21 Days

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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Cash interest rate of 23.99%, 21.99% for Québec residents
Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Earn more cash back on the categories that mean the most: 5% on groceries*, 4% on transit including ride sharing, taxis and public transportation*, 3% on gas and electric vehicle charging*, 2% on recurring bill payments like your monthly phone bill or favourite streaming service*, 1% unlimited cashback on all other purchases*
Now earn the highest cash back on groceries in Canada!†
Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
Extended Warranty Plus*
Purchase Protection Plus*
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*
Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
Complimentary Roadside Assistance Program*
BMO CashBack World Elite Travel and Medical Protection*
BMO Concierge Service*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of March 1, 2022.

BMO CashBack® MasterCard®*

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Annual interest rate 19.99% annual interest rate, 22.99% on cash advances*
Balance transfer intro rate 9 months of 1.99% on balance transfers*
Rewards rate Earn 0.5 – 5% cash back*
Annual fee $0 annual fee*

Card details

Purchase 19.99% purchases, 22.99% cash advances*
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro 1.99% for the first 9 months*
Balance Transfer See Terms*
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement $15,000
Dishonoured Payment See Terms*
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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Cash interest rate of 22.99%, 21.99% for Québec residents
Welcome offer: Get up to 5% cash back in your first 3 months. Plus, a $50 cash back bonus – that’s up to $175 in cash back in your first year!*
Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
Now earn the highest cash back on groceries in Canada without paying an annual fee!†
Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred*
No Annual fee*
Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account*
Extended Warranty*
Purchase Protection*
Receive a discount on car rentals*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
†Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of March 1, 2022.

TD Cash Back Visa* Card

Offer not available in Québec

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Annual interest rate 19.99% annual interest rate, 22.99% on cash advance
Rewards rate Earn 0.5 – 1% cash back
Annual fee $0 annual fee

Card details

Purchase 19.99% purchases, 22.99% cash advances
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro See Terms*
Balance Transfer See Terms*
Balance Transfer Intro See Terms*
Rewards Cash Back
Security Deposit N/A
Foreign Transaction 2.5%
Minimum Income Requirement N/A
Dishonoured Payment $48
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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Earn Cash Back Dollars. Redeem them to help pay down your Account balance.†
For every eligible purchase you make, you earn Cash Back Dollars credit for a percentage of that purchase.
Earn 1% in Cash Back Dollars on eligible grocery Purchases and gas Purchases† and on regularly recurring bill payments† set up on your Account
Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card†
Once your balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance†.
Your Cash Back Dollars never expire as long as your account is open and in good standing.
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
This offer is not available for residents of Quebec. For Quebec residents, please click here

TD Cash Back Visa Infinite* Card
Offer not available in Québec.

Offer not available in Québec

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Annual interest rate 20.99% annual interest rate, 22.99% cash advances
Rewards rate Earn 1 – 10% cash back†
Annual fee $120 annual fee – rebate for the first year

Card details

Purchase 20.99% purchases, 22.99% cash advances
Annual $120 – Rebate for the first year
Balance Transfer 22.99%
Balance Transfer Intro N/A
Balance Transfer 3%
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit N/A
Foreign Transaction 2.5%
Minimum Income Requirement $60,000 or $100,000 HHI
Dishonoured Payment $48
Grace Period 21 days on new purchases

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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Apply online by September 5, 2022, and earn 10% Cash Back on all Purchases for the first 3 months† up to a total spend of $2,000. After your first $2,000 in Purchases, Gas Purchases, Grocery Purchases and Pre-Authorized Payments will continue to earn 6% up to a total spend of $3,500 for the first 3 months. Plus, no Annual Fee† for the first year for the Primary and Additional Cardholders. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
Earn Cash Back Dollars on every eligible purchase.
Emergency Road Services with Deluxe TD Auto Club Membership, valued at $79.00†, is included with the product.
Travel with confidence with Travel Medical Insurance†
Complimentary Visa Infinite* Concierge service† available 24/7
Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases†, and on regularly recurring bill payments† set up on your account
Earn 1% Cash Back Dollars on all other Purchases made with your Card†
Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours!†
Your Cash Back Dollars never expire as long as your account is open and in good standing
This offer is not available for residents of Quebec. For Quebec residents, please click here.
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

Fido™ Mastercard®

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Annual interest rate 19.99% annual interest rate, 22.99% on cash advances
Rewards rate Earn 1 – 1.5% cash back
Annual fee $0 annual fee

Card details

Purchase 19.99% on purchases, 22.99% on cash advances
Annual N/A
Balance Transfer 22.99%
Balance Transfer Intro N/A
Balance Transfer 3%
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit None
Foreign Transaction 2.5%
Minimum Income Requirement None
Dishonoured Payment $42
Grace Period See Terms

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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It pays to pay with Fido™ Mastercard®
The options are endless! Mastercard® is accepted at over 44 million locations worldwide, so it’s your choice how you wish to use your rewards, including Fido™ and Rogers™ products and services; Gas, groceries, restaurants and other everyday purchases; Flights, gifts, home improvements or other big ticket purchases – and more!
Earn 1.5% in unlimited cash back rewards on all your eligible Recurring Payments and subscriptions, including: your Fido bill, utilities, streaming services and more
Earn 1% in unlimited cash back rewards on all other eligible purchases

Rogers™ Platinum Mastercard®

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Annual interest rate 19.99% annual interest rate, 22.99% on cash advances
Rewards rate Earn 1 – 3% cash back
Annual fee $0 annual fee

Card details

Purchase 19.99% on purchases, 22.99% on cash advances
Annual N/A
Balance Transfer 22.99%
Balance Transfer Intro N/A
Balance Transfer 3%
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit None
Foreign Transaction 2.5%
Minimum Income Requirement None
Dishonoured Payment $42
Grace Period See Terms

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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You’ll love the feeling of free™
The options are endless! Mastercard® is accepted at over 44 million locations worldwide, so it’s your choice how you wish to use your rewards, including Fido™ and Rogers™ products and services; Gas, groceries, restaurants and other everyday purchases; Flights, gifts, home improvements or other big ticket purchases – and more!
Earn 3% in unlimited cash back rewards on all your eligible purchases made in U.S. dollars
Earn 1% in unlimited cash back rewards on all other eligible purchases

CIBC Dividend® Visa* Card for Students

Offer not available in Québec

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Annual interest rate 20.99% annual interest rate†, 22.99% on cash advances‡
Rewards rate Earn 0.5 – 2% cash back†
Annual fee $0 annual fee

Card details

Purchase 20.99% purchases†, 22.99% cash‡ 
Annual $0
Balance Transfer 22.99%‡
Balance Transfer Intro N/A
Balance Transfer See Terms†
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit N/A
Foreign Transaction See Terms†
Minimum Income Requirement $0 for Students
Dishonoured Payment See Terms†
Grace Period See Terms†

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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‡ Cash interest rate of 22.99%, 21.99% for Québec residents 
20.99% purchases
Get $60 cash back after you make your first purchase within the first 4 months.†
$60 cash back on first purchase†
Plus, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more.†
Get all the student-life essentials on a budget
Eligible student clients can get a free SPC+ membership, and receive over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways. Start banking with CIBC and make student life more rewarding.†
CIBC is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click on the “Apply now” link.
†Conditions Apply. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques

Rogers™ World Elite® Mastercard®

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Annual interest rate 19.99% annual interest rate, 22.00% on cash advances
Rewards rate Earn 1.5 – 3% cash back
Annual fee $0 annual fee

Card details

Purchase 19.99% on purchases, 22.99% on cash advances
Annual N/A
Balance Transfer 22.99%
Balance Transfer Intro N/A
Balance Transfer 3%
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit None
Foreign Transaction 2.5%
Minimum Income Requirement $80,000 ($150,000 HHI)
Dishonoured Payment $42
Grace Period See Terms

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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More cash back rewards plus insurance benefits
The options are endless! Mastercard® is accepted at over 44 million locations worldwide, so it’s your choice how you wish to use your rewards, including Fido™ and Rogers™ products and services; Gas, groceries, restaurants and other everyday purchases; Flights, gifts, home improvements or other big ticket purchases – and more!
Credit approval PLUS minimum income requirement of $80,000 annual personal income or $150,000 annual household income.
Earn 3% in unlimited cash back rewards on all your eligible purchases made in U.S. dollars
Earn 1.5% in unlimited cash back rewards on all other eligible purchases

CIBC Dividend® Visa Infinite* Card

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Annual interest rate 20.99% annual interest rate†, 22.99% on cash advances‡
Rewards rate Earn 1 – 10% cash back†
Annual fee $120 annual fee – 1st Year Rebate†

Card details

Purchase 20.99% purchases†, 22.99% cash‡
Annual $120 – 1st Year Rebate†
Balance Transfer 22.99%‡
Balance Transfer Intro N/A
Balance Transfer See Terms†
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit N/A
Foreign Transaction See Terms†
Minimum Income Requirement $60,000 personal or $100,000 household
Dishonoured Payment See Terms†
Grace Period See Terms†

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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More details

‡ Cash interest rate of 22.99%, 21.99% for Québec residents
20.99% purchases
Get a first-year annual fee rebate for you and up to three Authorized Users † and 10% cash back for the first 4 statements on net purchases of up to $2500.†
10% cash back for the 1st 4 months ($ 250 cap) & Fee Rebate†
After that, get 4% cash back on eligible gas and grocery purchases.†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Ultramar, Fas Gas and Chevron gas stations.†
CIBC is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click on the “Apply now” link.
†Conditions Apply. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques

CIBC Dividend® Visa* Card

Offer not available in Québec

Apply Now

Annual interest rate 20.99% annual interest rate†, 22.99% on cash advances‡
Rewards rate Earn 0.5 – 5% cash back†
Annual fee $0 annual fee

Card details

Purchase 20.99% purchases†, 22.99% cash‡ 
Annual $0
Balance Transfer 22.99%‡
Balance Transfer Intro N/A
Balance Transfer See Terms†
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit N/A
Foreign Transaction See Terms†
Minimum Income Requirement $15,000 household
Dishonoured Payment See Terms†
Grace Period See Terms†

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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‡ Cash interest rate of 22.99%, 21.99% for Québec residents
 20.99% purchases
Get 5% cash back for the first 4 statements on net purchases of up to $2,000.†
5% cash back for the 1st 4 months ($100 cap)†
After that, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more.†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Dividend® Visa* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
CIBC is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click on the “Apply now” link.
†Conditions Apply. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques

CIBC Dividend Platinum® Visa* Card

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Annual interest rate 20.99% annual interest rate†, 22.99% on cash advances‡
Rewards rate Earn 1 – 10% cash back†
Annual fee $99 annual fee – First Year Rebate†

Card details

Purchase 20.99% purchases†, 22.99% cash‡ 
Annual $99 – First Year Rebate†
Balance Transfer 22.99%‡
Balance Transfer Intro N/A
Balance Transfer See Terms†
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit N/A
Foreign Transaction See Terms†
Minimum Income Requirement $15,000 household
Dishonoured Payment See Terms†
Grace Period See Terms†

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

‡ Cash interest rate of 22.99%, 21.99% for Québec residents’
20.99% purchases
Get a first-year annual fee rebate for you and up to three Authorized Users † and 10% cash back for the first 4 statements on net purchases of up to $2500.†
10% cash back for the 1st 4 months ($ 250 cap) & Fee Rebate†
After that, get 3% cash back on eligible gas and grocery purchases.†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Dividend Platinum® Visa* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
CIBC is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click on the “Apply now” link.
†Conditions Apply. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques.

Cash back cards

BMO CashBack® MasterCard®* for Students

BMO CashBack® World Elite®* MasterCard®*

BMO CashBack® MasterCard®*

TD Cash Back Visa* Card

TD Cash Back Visa Infinite* CardOffer not available in Québec.

Fido™ Mastercard®

Rogers™ Platinum Mastercard®

CIBC Dividend® Visa* Card for Students

Rogers™ World Elite® Mastercard®

CIBC Dividend® Visa Infinite* Card

CIBC Dividend® Visa* Card

CIBC Dividend Platinum® Visa* Card

Best Cards For…

Credit cards

Balance transfer cards

Rewards cards

Low-interest cards

Build credit

TD Cash Back Visa Infinite* Card
Offer not available in Québec.