Best Cashback Credit Card in Canada 2025: Top Picks & Expert Guide

Cashback credit cards are one of the best ways to earn money while spending on everyday purchases. With rising costs in Canada, maximizing rewards has never been more important. In 2025, several standout cashback credit cards offer unbeatable rewards on groceries, gas, dining, and more—some even with no annual fee.

But which one is the best cashback credit card in Canada for 2025? In this guide, we’ll break down:
✅ Top cashback credit cards (including hidden perks)
✅ Who should get each card (based on spending habits)
✅ How to maximize rewards (pro tips & tricks)
✅ Annual fee vs. no-fee options (which is worth it?)

Whether you want 4% back on groceries, 3% on everything, or premium travel perks, we’ve got you covered. Let’s dive in!

Best Cashback Credit Cards in Canada (2025)

1. American Express SimplyCash Preferred Card – Best Overall Cashback Card

💳 Annual Fee: $120($10/month)
💰 Cashback Rates:
✔ 4% on gas & groceries (up to $30K/year,then1✔\ast \ast 2🎁\ast \ast Bonus:\ast \ast \ast \ast$400 welcome bonus** (if you spend $750/month for 10 months)

Why It’s the Best?

• Highest flat cashback rates in Canada (beats most no-fee cards).

• Phone protection (covers up to $1,000 in repairs over 2 years).

• Travel insurance (emergency medical, flight delays, rental car coverage).

🔹 Best For: High spenders who want maximum cashback + premium perks.

2. Scotiabank Momentum® Visa Infinite – Best for Groceries & Bills

💳 Annual Fee: $120
💰 Cashback Rates:
✔ 4% on groceries & recurring bills
✔ 2% on gas & transit
✔ 1% on everything else

Why It’s Great?

• Best for household expenses (groceries, utilities, subscriptions).

• No caps on 4% categories (unlike Simplii’s $500/month limit).

🔹 Best For: Families & budgeters who spend heavily on groceries & bills.

3. Rogers World Elite Mastercard – Best Flat-Rate Cashback (No Fee)

💳 Annual Fee: $0
💰 Cashback Rates:
✔ 1.5% on everything (standard)
✔ 3% on everything (if redeemed for Rogers/Fido/Shaw bills)

Why It’s Unique?

• No annual fee but still offers near-premium rewards.

• 3% effective cashback if you’re a Rogers/Fido customer.

🔹 Best For: Those who want simple, high cashback with no fees.

4. Simplii Financial Cash Back Visa – Best for Restaurants (No Fee)

💳 Annual Fee: $0💰\ast \ast CashbackRates:\ast \ast ✔\ast \ast 4$500/month)
✔ 1.5% on gas, groceries, & drugstores
✔ 0.5% on everything else

Why It’s Worth It?

• Best dining card (4% back at restaurants).

• No annual fee (great for occasional spenders).

🔹 Best For: Foodies & social spenders who dine out often.

5. Canadian Tire World Elite Mastercard – Best for Bills & Roadside Assistance

💳 Annual Fee: $0
💰 Cashback Rates:
✔ 3-5% at Canadian Tire, SportChek, & partners
✔ 1% on everything else
🛠 Bonus: Free roadside assistance (Gold Plan)

Why It’s Special?

• Pays for property taxes & utility bills (where most cards don’t).

• Roadside assistance (towing, battery boosts, etc.).

🔹 Best For: Canadian Tire shoppers & those needing roadside help.

Which Cashback Card is Right for You?

Pro Tips to Maximize Cashback

1. Stack with loyalty programs (e.g., PC Optimum + credit card rewards).

2. Use multiple cards (e.g., Simplii for dining, Amex for groceries).

3. Pay bills with cashback cards (where allowed).

4. Redeem strategically (some cards give bonus redemption for certain purchases).

Final Verdict: Best Cashback Card in Canada (2025)

🏆 Best Overall: Amex SimplyCash Preferred (highest rewards + perks).
💳 Best No-Fee Card: Rogers World Elite MC (3% with Rogers bills).
🛒 Best for Groceries: Scotiabank Momentum Visa Infinite.

Which One Will You Choose?

If you want maximum cashback, the Amex SimplyCash Preferred is unbeatable. But if you prefer no annual fees, the Rogers WE MC or Simplii Visa are excellent alternatives.

Got questions? Drop them in the comments! 👇