Best Cashback Credit Cards for Canadian Shoppers 2025
Best Cashback Credit Cards for Canadian Shoppers 2025
The secret to maximizing your returns isn't just finding the best portal rate—it's stacking. By using the right credit card on top of a portal like Rakuten, you can easily hit 5-10% returns.
Here are the best cards to have in your wallet for online shopping in 2025.
Best No-Fee Card: Tangerine Money-Back Mastercard
* Earn Rate: 2% in up to 3 categories of your choice.
* Annual Fee: $0
* Why we love it: You can choose "Recurring Bills", "Groceries", and "Furniture" as your categories. It is flexible and free.
Best for Groceries & Recurring Bills: Scotia Momentum Visa Infinite
* Earn Rate: 4% on Groceries and Recurring Bills.
* Annual Fee: $120 (often waived first year).
* Why we love it: One of the highest earn rates in Canada. If you spend $500/month on groceries, this card earns you $240/year just on that.
Best Flat-Rate Card: Rogers World Elite Mastercard
* Earn Rate: 1.5% on everything (3% on US purchases).
* Annual Fee: $0 (Income requirement: $80k personal / $150k household).
* Why we love it: No thinking required. You get 1.5% back on every single purchase, including those weird Amazon categories that don't qualify for other bonuses.
Best for Amazon Shoppers: MBNA Amazon.ca Rewards Mastercard
* Earn Rate: 2.5% on Amazon.ca (for Prime members).
* Annual Fee: $0.
* Why we love it: It is the only card that gives you a solid return on everything at Amazon, even categories excluded by cashback portals.
The Stacking Math
Here is how a Pro Shopper buys a $1,000 laptop at Dell:
- Portal: Finds Dell on Canada Cashback Monitor -> Sees Rakuten offering 10%. ($100)
- Card: Pays with Rogers World Elite -> Earns 1.5%. ($15)
- Total: $115 back (11.5% return).
Without stacking, you would only get the $15 or the $100. Always double dip!