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Current 10% and Above Cash Back Offers for January 2023

by Real Investing Skills
January 15, 2023
in Credit Cards
Reading Time: 7 mins read
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15Jan2023

For this month, Tangerine prolonged its supply that expired final month to run out this month as a substitute. The remainder of the affords stay the identical.

Understand that we nonetheless have the High Money Again Credit score Playing cards web page, which incorporates everlasting and short-term affords should you want to see a extra full listing of playing cards, not simply playing cards that provide at the very least 10% money again.

Be aware that we’ve got break up up the listing into short-term (restricted time) and everlasting affords (indefinite, however can finish any time with out discover).

Short-term 10% and above money again affords

These are corporations that at the moment supply 10% money again bonuses with particular finish dates. We listed the playing cards primarily based on the expiry dates of the promotion by placing the newest one on high.

January 2023

Tangerine Cash-Again Credit score Card

  • No annual payment
  • Earn 15% money again on the primary $1,000 in spending on all purchases or as much as 2 months (apply earlier than January 31, 2023)
  • Earn 2% money again on alternative of two classes (third alternative should you deposit the money again into your Tangerine Financial savings Account)
  • Earn 0.5% money again on all different purchases

Since there isn’t any annual payment, the whole 15% money again on all spending is $150 (15% x $1,000) money again within the first yr.

Tangerine World MasterCard

  • No annual payment
  • Earn 15% money again on the primary $1,000 in spending on all purchases or as much as 2 months (apply earlier than January 31, 2023)
  • Earn 2% money again on alternative of two classes (third alternative should you deposit the money again into your Tangerine Financial savings Account)
  • Earn 0.5% money again on all different purchases

Since there isn’t any annual payment, the whole 15% money again on all spending is $150 (15% x $1,000) money again within the first yr.

February 2023

HSBC Money Rewards MasterCard® (non-QC residents solely)*

  • No annual payment
  • Earn an extra 12.5% money again on all purchases for the primary 180 days (as much as $1,000 in complete purchases) (apply by February 28, 2023) 
    • Earn as much as 14% money again on eligible on-line purchases
    • Earn as much as 13.5% money again on eligible fuel, grocery and drugstore
    • Earn as much as 13% money again on all different on a regular basis purchases
  • Ongoing money again earnings after the primary 180 days:
    • 1.5% money again on as much as $6,000 of on-line purchases (together with streaming providers, on-line subscriptions and meals supply)
    • 1% money again on fuel, grocery and drugstore purchases.
    • 0.5% money again on (nearly) all the pieces else
  • *Phrases and Situations apply
  • ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard Worldwide Included. Used pursuant to license.

Since there isn’t any annual payment and the very best money again class offers 14% money again on $1,000 in spending, there’s a most of $140 (14% x $1,000) money again within the first yr. 

HSBC Money Rewards Mastercard (QC residents solely)*

  • No annual payment
  • Earn $125 money again on protecting account open and energetic for six months (apply by February 28, 2023)
    • Earn 1.5% money again on as much as $6,000 of on-line purchases (together with streaming providers, on-line subscriptions and meals supply)
    • Earn 1% money again on fuel, grocery and drugstore purchases.
    • 0.5% money again on (nearly) all the pieces else
  • *Phrases and Situations apply
  • ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard Worldwide Included. Used pursuant to license.

Since there isn’t any annual payment, there’s a $125 money again with none spending requirement within the first yr.

April 2023

Scotia Momentum Visa Infinite Card

  • $120 annual payment (first yr payment waived for making use of earlier than April 30, 2023)
  • $50 annual payment for a supplementary cardholder
  • Earn 10% money again on all buy within the first 3 months or as much as $2,000 in spending (apply earlier than April 30, 2023)
  • Earn 4% money again for each $1 spent on grocery purchases and recurring invoice funds
  • Earn 2% money again for each $1 spent on fuel and every day transit
  • Earn 1% money again for each $1 spent on all different purchases
  • Have at the very least $60,000 in private annual revenue, $100,000 in annual family revenue or $250,000 in property below administration

Because the $120 annual payment is waived, the online most 10% money again on all spending is $200 (10% x $2,000) money again within the first yr.

  • $120 annual payment (first yr payment waived should you apply earlier than Could 28, 2023)
  • $50 annual payment for supplementary cardholders
  • Earn 10% money again on all purchases (for the primary 3 months, as much as $2,000 in spending or $200 in money again) (apply earlier than Could 28, 2023)
  • Earn 3% money again on fuel, grocery and recurring invoice funds thereafter (on first $15,000 in annual spending per class, together with the three month bonus promotion)
  • Earn 1% money again on all different purchases
  • Have at the very least $60,000 in private annual revenue or $100,000 in annual family revenue

Because the $120 annual payment is waived, the online most 10% money again on all spending is $200 (10% x $2,000) money again within the first yr.

July 2022

BMO CashBack World Elite MasterCard

  • $120 annual payment (waived the primary yr for making use of earlier than July 31, 2023)
  • Earn 10% money again on all buy within the first 3 months or as much as $2,000 in spending (apply earlier than July 31, 2023)
  • Earn 1.5% money again on all purchases
  • Have at the very least $80,000 in private annual revenue or $150,000 in annual family revenue

Because the $120 annual payment is waived, the online most 10% money again on all spending is $200 (10% x $2,000) money again within the first yr.

Everlasting 10% and above money again affords

There are the credit providing at the very least 10% money again with no expiry date. However word that this additionally implies that the bonuses will be modified at any time with out discover.

Rogers Connections Mastercard

  • $29 annual payment (first yr payment waived)
  • Earn 10% money again on all purchases made within the first 3 months (as much as $1,000 spend)
  • Earn 2% money again on eligible U.S. greenback purchases
  • Earn 1% money again on all different purchases
  • Earn 30% additional cash again redemption for Rogers purchases
  • Obtain 5 free “Roam Like Dwelling” days yearly

Because the $29 annual payment is waived, the online most 10% money again on all spending is $100 (10% x $1,000) money again within the first yr.

  • No annual payment
  • Earn 10% money again on eating places and bars purchases on as much as $500 in spending or throughout the first 4 months (whichever comes first)
  • Earn 4% money again on eating places and bars (after the bonus supply expires)
  • Earn 1.5% money again on fuel, groceries, drugstore purchases and pre-authorized funds
  • Earn 0.5% money again on all different purchases
  • Have at the very least $15,000 in private annual revenue

There isn’t a annual payment, so the online most 10% money again on restaurant and bars spending is $50 (10% x $500) money again within the first yr.

Additionally, word that we even have two different high month-to-month lists ongoing:

Did we miss any bank cards? Please tell us within the remark part under!

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About The Writer

Matt

Chief Editor

Matt has been an avid factors collector since 1992 (an elementary college pupil), when his dad signed up for the brand new (on the time) Air Miles program. Since then, Matt took a eager curiosity in studying how the miles and factors world works. He rapidly discovered that there’s a lot of worth in leveraging miles and factors to fund his ardour for travelling.




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