You’ll have seen by now that we began including or increasing our commentaries to our month-to-month posts. Right this moment isn’t any totally different as we record the highest money again bank cards presently providing at the very least a ten% money again bonus promotion. There are lots of different money again provides on the market too, however as a result of the market may be very aggressive now, solely the ten% and above promotions make it to our month-to-month record.
Take into account that we nonetheless have the High Money Again Credit score Playing cards web page for a extra full record of playing cards.
By way of this month-to-month record, we cut up the playing cards up into two lists: non permanent (restricted time) and everlasting provides (indefinite, however can finish any time with out discover).
Non permanent 10% and above money again provides
These are monetary establishments that presently provide 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 latest one on high.
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 whole 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 gasoline, 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 companies, on-line subscriptions and meals supply)
- 1% money again on gasoline, grocery and drugstore purchases.
- 0.5% money again on (nearly) every little thing else
- *Phrases and Circumstances apply
- ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard Worldwide Integrated. Used pursuant to license.
If the cardholder earns an extra 12.5% bonus money again on the primary $1,000 of spending and no annual payment, they might earn $125 (12.5% x $1,000) of bonus money again within the first yr.
HSBC Money Rewards Mastercard (QC residents solely)*
- No annual payment
- Earn $125 money again on holding 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 companies, on-line subscriptions and meals supply)
- Earn 1% money again on gasoline, grocery and drugstore purchases.
- 0.5% money again on (nearly) every little thing else
- *Phrases and Circumstances apply
- ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard Worldwide Integrated. Used pursuant to license.
Since there isn’t any annual payment, there’s a $125 money again bonus 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 gasoline and each day transit
- Earn 1% money again for each $1 spent on all different purchases
- Have at the very least $60,000 in private annual earnings, $100,000 in annual family earnings or $250,000 in belongings underneath administration
Cardholders can earn as much as $200 (10% x $2,000) in money again on the ten% money again. By factoring within the annual payment waiver and let’s say they maximise the 4% multiplier bonus (4% x $2,000 = $80), they might earn $120 ($200 – $80) in bonus money again within the first yr.
Might 2023
Tangerine Cash-Again Credit score Card
- No annual payment
- Earn 10% money again on the primary $1,000 in spending on all purchases or as much as 2 months (apply earlier than Might 2, 2023)
- Earn 2% money again on alternative of two classes (third alternative if you happen to deposit the money again into your Tangerine Financial savings Account)
- Earn 0.5% money again on all different purchases
Tangerine lately ended their final provide on January 31, 2023. Now they’ve a decreased provide.
Cardholders can earn as much as $100 (10% x $1,000) in money again on the ten% money again. By subtracting the two% (2% x $1,000 = $20) money again they in any other case would have earned, and with no annual payment, that comes out to $80 ($100 – $20) in bonus money again within the first yr.
Tangerine World MasterCard
- No annual payment
- Earn 10% money again on the primary $1,000 in spending on all purchases or as much as 2 months (apply earlier than Might 2, 2023)
- Earn 2% money again on alternative of two classes (third alternative if you happen to deposit the money again into your Tangerine Financial savings Account)
- Earn 0.5% money again on all different purchases
Tangerine lately ended their final provide on January 31, 2023. Now they’ve a decreased provide.
Cardholders can earn as much as $100 (10% x $1,000) in money again on the ten% money again. By subtracting the two% (2% x $1,000 = $20) money again they in any other case would have earned, and with no annual payment, that comes out to $80 ($100 – $20) in bonus money again within the first yr.
TD Money Again Visa Infinite Card
- $120 annual payment (first yr payment waived if you happen to apply earlier than Might 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 Might 28, 2023)
- Earn 3% money again on gasoline, 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 earnings or $100,000 in annual family earnings
Cardholders can earn as much as $200 (10% x $2,000) in money again on the ten% money again. By factoring within the annual payment waiver and let’s say they maximise the three% multiplier bonus (3% x $2,000 = $60), they might earn $140 ($200 – $60) in bonus 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 earnings or $150,000 in annual family earnings
Cardholders can earn as much as $200 (10% x $2,000) in money again on the ten% money again. By factoring within the annual payment waiver and if they’d earned the common 1.5% (1.5% x $2,000 = $30), they might earn $170 ($200 – $30) in bonus money again within the first yr.
Everlasting 10% and above money again provides
The record beneath are playing cards that supply at the very least 10% money again with no expiry date. Having no expiry date additionally signifies that the characteristic might be modified at any time with none discover, so they’re primarily day-by-day.
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% more money again redemption for Rogers purchases
- Obtain 5 free “Roam Like House” days yearly
Cardholders can earn as much as $100 (10% x $1,000) in money again on the ten% money again. By factoring within the annual payment waiver and if they’d earned the utmost 2% (2% x $1,000 = $20), they might earn $80 ($100 – $20) in bonus 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 provide expires)
- Earn 1.5% money again on gasoline, 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 earnings
Cardholders can earn as much as $50 (10% x $500) in money again on the ten% money again. By subtracting the utmost 4% (4% x $500 = $20) money again they in any other case might have earned, and with no annual payment, they might earn $30 ($50 – $20) in bonus money again within the first yr.
Different lists
Additionally, notice that we even have two different high month-to-month lists ongoing. Beneath are probably the most present ones:
Did we miss any bank cards? Please tell us within the remark part beneath!