Cash Back

Special offer:

• Enter the code KOHOMILES when applying for your card.
• Get 3 months' subscription to the Extra Plan for free (a discount of $18 per month) and $20 cash back

Features:

• Earn 1.5% cash back on 3 main spending categories (food, bills & services, meals and beverages) plus a minimum 0.25% cash back on all purchases.
• Accepted at Costco
• Earn 2.5% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $18 per month billed monthly or $144 per year billed annually ($12 per month)
• No conversion fees on foreign purchases
• 1 free international ATM withdrawal per month
• Credit enhancement for $7/month instead of $10
• Access all KOHO account features such as Safe, Goals and Rounding Amounts
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

Special offer:

• Enter the code MILESOPEDIA when you apply for your card
• Earn a $20 cash bonus when you sign up for a KOHO account with our link and make your first purchase within 30 days of registration

Features:

• Get 1% cash back on groceries, meals, drinks and transportation
• Accepted at Costco
• Get 2% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $4 per month billed monthly or $48 per year billed annually
• Access all KOHO account features such as Safe, Goals and Rounding Amounts
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

Accelerate cash back on common purchases!

• Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 1% cash back‡ on all other eligible purchases
• $39 annual fee
• Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers✪, and 21.99% on cash advances
• Your personal annual income must be over $50,000, or your household annual income must be $80,000 or more††††

Enjoy a card offering cash back on eligible purchases. Apply now for the Smart Cash® World credit card.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

Accelerate cash back on common purchases!

• No annual fee
• Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 0.5% Cash Back‡ for all other eligible purchases
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for a Smart Cash Mastercard.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).^†

Plus, get 2% cash back on eligible grocery purchases!†

• 1% cash back on eligible gas, electric vehicle charging, transportation, and dining purchases and on eligible recurring payments^†
• 0.5% cash back on all other purchases^†
• Get cash back on demand - redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking®

Save on gas with CIBC and Journie Rewards:

Link and use your CIBC Dividend Platinum Visa Card with Journie Rewards to save up to 10 cents per litre^† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

Save over $600 with CIBC and Skip

Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Dividend Visa Card with Skip. ^†

• Get a bonus of 10% cash back on all your purchases during your first 3 months (up to $2,000 in purchases). Plus, get a $50 account credit when you make a purchase in the 13th month. You could accumulate up to $250 in bonus value during your first 13 months.
• Get enhanced earning rates on eligible gas and grocery purchases
• Get 4% cash back on eligible gas purchases in Canada, 4% cash back on eligible grocery purchases in Canada (up to $1,200 cash back per year), and 2% cash back on all other purchases
• Annual Fee: $9.99 per month (totaling $119.88 per year) for residents outside Quebec. $119 per year for residents of Quebec
• Access events and special offers curated for Cardmembers with Amex Experiences^TM
• Benefit from extensive insurance coverage and 24/7 customer service

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Special offer : 5% cash back on all purchases (up to $2,000 in total purchases) for the first three months.

0% introductory rate on balance transfers for the first six months (2% cash advance fee; after that: 22.99% and no annual fees).

• Get 1% cash back on purchases at grocery stores and pharmacies, as well as on meal delivery services and subscriptions to ready-to-cook meal services
• Get 1% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and ridesharing trips
• Get 1% cash back on eligible recurring bill payments such as utilities and gym memberships
• Get 1% cash back on eligible subscriptions such as video streaming or music streaming services
• Get 0.5% cash back on all other eligible purchases, with no cash back cap
• You will earn 1% on all eligible purchases of Transit, Rideshare and Food Delivery^¹.
• New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)^¹.

Get an introductory interest rate of 2.99% with a 0% balance transfer fee for the first 6 months (22.99% thereafter; $49 annual fee).

• Get 2% cash back on groceries, food delivery and food subscription services, and drugstore purchases
• Get 2% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and rideshare trips
• Get 2% cash back on eligible recurring bill payments such as utilities and the gym
• Get 2% cash back on eligible subscriptions such as video streaming services or music streaming
• Get 1% cash back on all other eligible purchases, with no cash back limit
• New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery^¹.
• New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)^¹.

Welcome offer: Get up to $650 in value including $40 cash back each month in your first year. Plus we’ll waive the $120 annual fee in the first year.
Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

• 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*
  • Unlimited 1% cash back on all other purchases*.
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
• Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
• Complimentary Roadside Assistance Program*
• Extended Warranty Plus*
• Purchase Protection Plus*
• BMO CashBack World Elite Travel and Medical Protection*
• Shop, eat and relax with our partners to receive offers when you travel and make purchases with your BMO World Elite Mastercard outside Canada.

This product is not available for Quebec residents.

Welcome offer:

• Earn 20% cashback† for your first 3 months on up to $500 spend on eligible gas, groceries, drugstore purchases and pre-authorized payments.

Earn:

• 4% cash back on eligible restaurant, bar and coffee shop purchases up to $5,000 spend per year^†.
• 1.5% cash back on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year^†.
• 0.5% cash back on all other credit card purchases with no limit on how much you can earn^†.

Other features:

• Purchase Security and Extended Protection Insurance.^† Protect your purchases with double the manufacturer’s warranty, up to one additional year.
• Get cash back when you send a Global Money Transfer and pay with your Visa* Card.^†
• Send money abroad for no fee with your Simplii Visa using Simplii Global Money Transfer.
• No annual fee