Credit
Current 10% and Above Cash Back Offers for April 2023 – Pointshogger
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Cardholders can earn up to $200 (10% x $2,000) in cash back on the 10% cash back. By factoring in the annual fee waiver and let’s say they maximise the 4% multiplier bonus (4% x $2,000 = $80), they would earn $120 ($200 – $80) in bonus cash back in the first year.
May 2023
Tangerine Money-Back Credit Card
- No annual fee
- Earn 10% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before May 2, 2023)
- Earn 2% cash back on choice of 2 categories (3rd choice if you deposit the cash back into your Tangerine Savings Account)
- Earn 0.5% cash back on all other purchases
Tangerine recently ended their last offer on January 31, 2023. Now they have a reduced offer.
Cardholders can earn up to $100 (10% x $1,000) in cash back on the 10% cash back. By subtracting the 2% (2% x $1,000 = $20) cash back they otherwise would have earned, and with no annual fee, that comes out to $80 ($100 – $20) in bonus cash back in the first year.
- No annual fee
- Earn 10% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before May 2, 2023)
- Earn 2% cash back on choice of 2 categories (3rd choice if you deposit the cash back into your Tangerine Savings Account)
- Earn 0.5% cash back on all other purchases
Tangerine recently ended their last offer on January 31, 2023. Now they have a reduced offer.
Cardholders can earn up to $100 (10% x $1,000) in cash back on the 10% cash back. By subtracting the 2% (2% x $1,000 = $20) cash back they otherwise would have earned, and with no annual fee, that comes out to $80 ($100 – $20) in bonus cash back in the first year.
TD Cash Back Visa Infinite Card
- $120 annual fee (first year fee waived if you apply before May 28, 2023)
- $50 annual fee for supplementary cardholders
- Earn 10% cash back on all purchases (for the first 3 months, up to $2,000 in spending or $200 in cash back) (apply before May 28, 2023)
- Earn 3% cash back on gas, grocery and recurring bill payments thereafter (on first $15,000 in annual spending per category, including the 3 month bonus promotion)
- Earn 1% cash back on all other purchases
- Have at least $60,000 in personal annual income or $100,000 in annual household income
Cardholders can earn up to $200 (10% x $2,000) in cash back on the 10% cash back. By factoring in the annual fee waiver and let’s say they maximise the 3% multiplier bonus (3% x $2,000 = $60), they would earn $140 ($200 – $60) in bonus cash back in the first year
HSBC Cash Rewards MasterCard® (non-QC residents only)*
- No annual fee
- Earn an additional 12.5% cash back on all purchases for the first 180 days (up to $1,000 in total purchases) (apply by May 31, 2023)
- Earn up to 14% cash back on eligible online purchases
- Earn up to 13.5% cash back on eligible gas, grocery and drugstore
- Earn up to 13% cash back on all other everyday purchases
- Ongoing cash back earnings after the first 180 days:
- 1.5% cash back on up to $6,000 of online purchases (including streaming services, online subscriptions and food delivery)
- 1% cash back on gas, grocery and drugstore purchases.
- 0.5% cash back on (almost) everything else
- *Terms and Conditions apply
- ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
If the cardholder earns an additional 12.5% bonus cash back on the first $1,000 of spending and no annual fee, they would earn $125 (12.5% x $1,000) of bonus cash back in the first year.
HSBC Cash Rewards Mastercard (QC residents only)*
- No annual fee
- Earn $125 cash back on keeping account open and active for six months (apply by May 31, 2023)
- Earn 1.5% cash back on up to $6,000 of online purchases (including streaming services, online subscriptions and food delivery)
- Earn 1% cash back on gas, grocery and drugstore purchases.
- 0.5% cash back on (almost) everything else
- *Terms and Conditions apply
- ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
Since there is no annual fee, there is a $125 cash back bonus without any spending requirement in the first year.
July 2022
BMO CashBack World Elite MasterCard
- $120 annual fee (waived the first year for applying before July 31, 2023)
- Earn 10% cash back on all purchase in the first 3 months or up to $2,000 in spending (apply before July 31, 2023)
- Earn 1.5% cash back on all purchases
- Have at least $80,000 in personal annual income or $150,000 in annual household income
Cardholders can earn up to $200 (10% x $2,000) in cash back on the 10% cash back. By factoring in the annual fee waiver and if they had earned the regular 1.5% (1.5% x $2,000 = $30), they would earn $170 ($200 – $30) in bonus cash back in the first year.
Permanent 10% and above cash back offers
The list below are cards that offer at least 10% cash back with no expiry date. Having no expiry date also means that the feature can be changed at any time without any notice, so they are essentially day-by-day.
- $29 annual fee (first year fee waived)
- Earn 10% cash back on all purchases made in the first 3 months (up to $1,000 spend)
- Earn 2% cash back on eligible U.S. dollar purchases
- Earn 1% cash back on all other purchases
- Earn 30% more cash back redemption for Rogers purchases
- Receive 5 free “Roam Like Home” days every year
Cardholders can earn up to $100 (10% x $1,000) in cash back on the 10% cash back. By factoring in the annual fee waiver and if they had earned the maximum 2% (2% x $1,000 = $20), they would earn $80 ($100 – $20) in bonus cash back in the first year.
Simplii Financial Cash Back Visa Card
- No annual fee
- Earn 10% cash back on restaurants and bars purchases on up to $500 in spending or within the first 4 months (whichever comes first)
- Earn 4% cash back on restaurants and bars (after the bonus offer expires)
- Earn 1.5% cash back on gas, groceries, drugstore purchases and pre-authorized payments
- Earn 0.5% cash back on all other purchases
- Have at least $15,000 in personal annual income
Cardholders can earn up to $50 (10% x $500) in cash back on the 10% cash back. By subtracting the maximum 4% (4% x $500 = $20) cash back they otherwise could have earned, and with no annual fee, they would earn $30 ($50 – $20) in bonus cash back in the first year.
Other lists
Also, note that we also have two other top monthly lists ongoing. Below are the most current ones:
Did we miss any credit cards? Please let us know in the comment section below!
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Matt
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