Top 10 Credit Cards in Canada for 2025 – With Massive Cashback Rewards

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 If you're looking to make every dollar count in 2025, choosing the right credit card can earn you serious cashback. Here are the top 10 credit cards in Canada that give the most value, rewards, and perks:

1. Scotia Momentum® Visa Infinite

  • 4% cashback on groceries and recurring bills.

  • Welcome bonus up to $200.

  • Annual Fee: $120 (waived first year).

2. Tangerine Money-Back Credit Card

  • 2% on 3 spending categories of your choice.

  • No annual fee.

  • Flexible redemption options.

3. BMO CashBack World Elite Mastercard

  • 5% cashback on groceries (first 3 months).

  • Travel insurance and concierge services.

  • $120 annual fee (waived 1st year).

4. Rogers World Elite Mastercard

  • 1.5% cashback on everything, 3% on USD purchases.

  • Great for online shoppers and freelancers.

5. American Express SimplyCash Preferred

  • 2% flat cashback on all purchases.

  • Premium AmEx benefits.

  • Annual fee: $120.

6. CIBC Dividend Visa Infinite

  • 4% on groceries and gas.

  • Roadside assistance included.

7. MBNA Smart Cash World Mastercard

  • 2% cashback on gas and groceries.

  • 0% balance transfers (6 months).

8. Capital One Costco Mastercard

  • Exclusive to Costco shoppers.

  • 3% at restaurants, 2% on gas.

9. HSBC World Elite Mastercard

  • Best for travelers.

  • Points can be used for flights, hotels.

10. PC Financial World Elite

  • Best for Loblaws, Shoppers, Esso.

  • Earns PC Optimum points fast.

✅ Tip: Apply during promotional periods to grab higher bonuses.

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