#1
KOHO Core Mastercard
KOHO · rated 4.9/5
Welcome offer: New clients can earn 10% cash back using promo code FW10C26
+$100 extra cash back through FinlyWealth
Annual fee$0
Purchase ratePrepaid
FX fee2.5%
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Cash back credit cards in Canada
Cash back is the simplest reward: no points to value, no transfer partners. Compare the earn rates on each issuer's page; the table shows fees, rates and current offers.
Top 3 picks
#2
Students – BMO CashBack Mastercard
BMO · rated 4.8/5
Highest cashback for students
Welcome offer: 5% cash back for the first 3 months, up to $2,500 in spend
Annual fee$0
Purchase rate21.99%
FX fee2.5%
#3
Secured Neo World Mastercard – Everywhere
Neo Financial · rated 4.8/5
Customers who want simplicity with strong flat-rate cashback on all purchases
Welcome offer: Get a $25 account credit
+$50 extra cash back through FinlyWealth
Annual fee$119.88
Purchase rate19.99%
FX fee3%
All 39 compared
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
KOHO Core Mastercard KOHO | New clients can earn 10% cash back using promo code FW10C26 | +$100 cash back | $0 | Prepaid | — | 2.5% | Apply → |
Students – BMO CashBack Mastercard BMO | 5% cash back for the first 3 months, up to $2,500 in spendEst. value $125 | — | $0 | 21.99% | 23.99% | 2.5% | Apply → |
Secured Neo World Mastercard – Everywhere Neo Financial | Get a $25 account creditEst. value $25 | +$50 cash back | $119.88 | 19.99% | 22.99% | 3% | Apply → |
 Secured Neo World Mastercard – Gas & Grocery Neo Financial | Get a $25 account creditEst. value $25 | +$50 cash back | $119.88 | 19.99% | 22.99% | 3% | Apply → |
 Secured Neo World Mastercard – Shop & Dine Neo Financial | Get a $25 account creditEst. value $25 | +$50 cash back | $119.88 | 19.99% | 22.99% | 3% | Apply → |
 SimplyCash Preferred Card from American Express American Express | Up to $250 ($200 in first year)Est. value $200 | — | $119.88 | 21.99% | 21.99% | 2.5% | Apply → |
 Neo World Elite Mastercard – Everywhere Neo Financial | Get your first year annual fee waived ($149 value) exclusively through us.Est. value $149 | +$100 cash back | $1491st year free | 19.99% | 22.99% | 2.75% | Apply → |
 Neo World Elite Mastercard – Gas & Grocery Neo Financial | Get your first year annual fee waived ($149 value) exclusively through us.Est. value $149 | +$100 cash back | $1491st year free | 19.99% | 22.99% | 2.75% | Apply → |
 Neo World Elite Mastercard – Shop & Dine Neo Financial | Get your first year annual fee waived ($149 value) exclusively through us.Est. value $149 | +$100 cash back | $1491st year free | 19.99% | 22.99% | 2.75% | Apply → |
 Tangerine Money-Back World Mastercard Tangerine | Get $120 with a Tangerine® Money-Back World Mastercard® and a limited time promo rate on balance transfersEst. value $120 | +$75 cash back | $0 | 20.95% | 22.95% | 2.5% | Apply → |
 Scotia Momentum Visa Infinite + Card Scotiabank | — | +$150 cash back | $1201st year free | 20.99% | 22.99% | 2.5% | Apply → |
 KOHO Everything Mastercard KOHO | New clients can earn 10% cash back using promo code FW10C26 | +$100 cash back | $177 | Prepaid | — | 0% | Apply → |
 Neo Secured Mastercard Neo Financial | Get a $25 account creditEst. value $25 | +$50 cash back | $119.88 | 19.99% | 22.99% | 3% | Apply → |
 Ramp Corporate Card Ramp | — | — | $0 | Prepaid | — | 3% | Apply → |
 Tangerine Money-Back Mastercard Tangerine | 10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 monthsEst. value $100 | +$75 cash back | $0 | 20.95% | 22.95% | 2.5% | Apply → |
 Secured Neo World Elite Mastercard – Everywhere Neo Financial | Get a $25 account creditEst. value $25 | +$100 cash back | $149 | 19.99% | 22.99% | 3% | Apply → |
 Secured Neo World Elite Mastercard – Gas & Grocery Neo Financial | Get a $25 account creditEst. value $25 | +$100 cash back | $149 | 19.99% | 22.99% | 2.75% | Apply → |
 Secured Neo World Elite Mastercard – Shop & Dine Neo Financial | Get a $25 account creditEst. value $25 | +$100 cash back | $149 | 19.99% | 22.99% | 2.75% | Apply → |
 EQ Bank Card EQ Bank | N/A | — | $0 | Prepaid | — | 0% | Apply → |
 Wealthsimple Visa Infinite Privilege Wealthsimple | Get 5% cash back for the first 35 days | — | $240 | 20.99% | 22.99% | 0% | Apply → |
 Simplii Financial Cash Back Visa Card Simplii Financial | Double your cash back on Resturants, Bars and Coffee Shops in your first 3 months.Est. value $40 | +$50 cash back | $0 | 20.99% | 22.99% | 2.5% | Apply → |
 BMO CashBack World Elite Mastercard BMO | Get up to $650 in valueEst. value $650 | +$120 cash back | $1391st year free | 21.99% | 23.99% | 2.5% | Apply → |
 KOHO Extra Mastercard KOHO | New clients can earn 10% cash back using promo code FW10C26 | +$100 cash back | $144 | Prepaid | — | 0% | Apply → |
 TD Cash Back Visa Infinite Card TD | Earn up to $600 in total value including an Annual Fee rebate for the first year. Conditions apply.Est. value $600 | +$50 cash back | $1391st year free | 21.99% | 22.99% | 2.5% | Apply → |
 Wealthsimple Visa Infinite + Wealthsimple | Get 5% cash back for the first 35 days | — | $240 | 20.99% | 22.99% | 0% | Apply → |
 SimplyCash Card from American Express American Express | Up to $100 in Statement CreditsEst. value $100 | — | $0 | 21.99% | 21.99% | 2.5% | Apply → |
 Neo World Mastercard – Everywhere Neo Financial | — | +$50 cash back | $0 | 19.99% | 22.99% | 2.75% | Apply → |
 Neo World Mastercard – Shop & Dine Neo Financial | — | +$50 cash back | $0 | 19.99% | 22.99% | 2.75% | Apply → |
 Neo World Mastercard – Gas & Grocery Neo Financial | — | +$50 cash back | $0 | 19.99% | 22.99% | 2.75% | Apply → |
 BMO CashBack Mastercard BMO | 5% cash back for the first 3 months, up to $2,500 in spendEst. value $125 | — | $0 | 21.99% | 23.99% | 2.5% | Apply → |
 Neo Mastercard Neo Financial | — | +$50 cash back | $0 | 19.99% | 22.99% | 3% | Apply → |
 Scotia Momentum No-Fee Visa Card Scotiabank | Earn 5% Cash Back on all purchases for the first 3 months, plus get 0.99% introductory interest rate on balance transfers for the first 9 monthsEst. value $100 | +$50 cash back | $0 | 19.99% | 22.99% | 2.5% | Apply → |
 Scotia Momentum Visa Card Scotiabank | 0.99% introductory interest rate on balance transfers for the first 9 months | +$60 cash back | $39 | 19.99% | 22.99% | 2.5% | Apply → |
 National Bank ECHO Cashback Mastercard National Bank | — | — | $30 | 20.99% | 22.49% | 2.5% | Apply → |
 RBC Cash Back Preferred World Elite Mastercard RBC | Get 15% extra cash back on your first $2,000 in spend for 3 months. Apply by March 1, 2027. | — | $120 | 21.99% | 22.99% | 2.5% | Apply → |
 TD Cash Back Visa Card TD | — | — | $0 | 21.99% | 22.99% | 2.5% | Apply → |
 RBC Cash Back Mastercard RBC | — | — | $0 | 21.99% | — | 2.5% | Apply → |
 National Bank Allure Mastercard National Bank | — | — | $0 | 20.99% | 22.49% | 2.5% | Apply → |
 National Bank mycredit Mastercard National Bank | — | — | $0 | 20.99% | 22.49% | 2.5% | Apply → |
Offer data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often and may differ from what the issuer shows you — always confirm the current terms on the issuer's site before applying. "Extra cash back" is paid by FinlyWealth when you apply through our link and are approved; conditions are on the FinlyWealth page. Rankings use FinlyWealth's rating, then welcome-offer value. crediteasy.ca is independent and does not provide financial advice.