If you’re looking to save money on your purchases, cashback credit cards are a great option. With cashback rebates, you can earn back a percentage of what you spend, making it easy to save as you shop. In this post, we’ll go over the top 5 cashback credit cards in Canada for 2025. Whether you shop for groceries, gas, or online purchases, there’s a card to fit your needs.
Let’s dive in!
Why it stands out:
● Customizable categories for cashback.
● No annual fee.
Key Benefits:
● Earn 2% cashback rebates on two categories of your choice (like groceries, gas, or dining).
● Earn 0.5% on all other purchases.
● Option to add a third 2% category if you deposit rewards into a Tangerine savings account.
This card is perfect for people who want flexibility with their cashback.
Why it stands out:
● High cashback rebates on everyday spending.
Key Benefits:
● 4% cash back on groceries and recurring bills.
● 2% cashback on gas and transit purchases.
● 1% cashback on all other spending.
● Insurance coverage for travel and purchases.
Although this card comes with a $120 annual fee, the high cashback on essentials can quickly make up for it.
Why it stands out:
● Amazing cashback rates on groceries.
Key Benefits:
● Earn 5% cashback rebates on grocery purchases.
● 4% on transit (taxis, buses, and rideshares).
● 3% on gas.
● 1% on all other purchases.
● Offers excellent perks like rental car insurance and extended warranty.
This card is ideal for families or anyone who spends a lot on groceries and transportation.
Why it stands out:
● Great cashback rates on gas and groceries.
Key Benefits:
● 4% cashback on groceries and gas.
● 2% cashback on dining, transportation, and recurring bills.
● 1% cashback on all other purchases.
● Complimentary travel and purchase protection.
With its generous cashback structure and a $120 annual fee, this card delivers solid value for everyday spending.
Why it stands out:
● Best for cashback on international purchases.
Key Benefits:
● 1.5% unlimited cashback rebates on all purchases.
● 3% cashback on purchases made in U.S. dollars.
● No annual fee.
● Travel perks, including access to airport lounges.
If you frequently travel or shop in U.S. dollars, this card can help you maximize your savings.
When selecting a cashback credit card, here are some tips to consider:
1. Spending habits: Choose a card that rewards you for the categories you spend most on, like groceries, gas, or dining.
2. Annual fees: Weigh the annual fee against the benefits. Sometimes, a higher fee is worth it for bigger cashback rebates.
3. Perks and features: Look for additional perks, such as travel insurance, purchase protection, or no foreign transaction fees.
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Cashback credit cards are an excellent way to earn rewards for your everyday spending. The top 5 cashback credit cards in Canada for 2025 offer great benefits, high cashback rebates, and flexible options for all types of spenders. Whether you’re shopping for groceries, paying bills, or traveling, there’s a card on this list that can help you save money.
Take a closer look at these options and choose the one that best fits your needs!
