Best cash back credit cards for excellent credit

Reap the rewards of having an excellent credit score with these cash back credit cards.

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With an excellent credit score of 800 or higher, your credit card choices are nearly limitless.
Add a high income to the mix and you’ll likely be able to consider any card on the market.

Cash back credit cards reward you for your spending, but to find the right one, you’ll need to consider what categories you spend the most in, how much you value signup offers and whether or not you want to pay an annual fee.

How we chose the best cash back cards for excellent credit

We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. Our top cash back cards for excellent credit offer flat-rate or accelerated cash back, bonus perks such as balance transfer offers and complimentary insurance coverage, and a signup bonus. We’ve also considered annual fees and balance transfer fees.

No single cash back card will be the best choice for everyone, so compare your options before picking your new card.

Best for earning accelerated cash back: Scotia Momentum Visa Infinite Card

The Scotia Momentum Visa Infinite Card offers accelerated cash back on purchases at eligible grocery stores and on recurring bill payments, which includes subscription services like Netflix. Plus, earn accelerated cash back on gas station and daily transit purchases.

With this card, you’ll get access to a comprehensive suite of travel insurance coverage. In addition, the annual fee is waived in the first year – a value of $120.

Best for earning flat-rate cash back: SimplyCash Preferred Card from American Express

The SimplyCash Preferred Card from American Express offers unlimited 2% cash back on everything you buy, plus a bonus signup offer of 5% cash back during your first 6 months as a cardholder.

If you’re looking to consolidate some debt, the optional balance transfer offer can sweeten the deal and save you money on interest. Included with the card are standard Amex perks, including travel accident insurance, purchase protection, entertainment access and more.

Best for choosing your own spending categories: Tangerine Money-Back Credit Card

The Tangerine Money-Back Credit Card is a no annual fee credit card offering unlimited 2% cash back on two spending categories of your choice. Choose from groceries, furniture, restaurants, hotel/motel, gas, recurring bill payments, drug store, home improvement, entertainment and public transportation/parking.

Get cash back rewards in three spending categories by depositing your cash back rewards directly into your Tangerine savings account.

Best for signup bonus: TD Cash Back Visa Infinite Card

With the TD Cash Back Visa Infinite Card, you’ll earn 3% cash back on all eligible grocery store purchases, gas purchases and regularly recurring bill payments. Plus, you’ll earn 1% on all other purchases.

If you’re a frequent traveller, the Visa Infinite perks can come in handy. Enjoy travel insurance coverage, a complimentary concierge service, roadside assistance and access to exclusive experiences and discounts.

Best for travel: BMO CashBack World Elite MasterCard

This card offers typical World Elite benefits including airport lounge access, comprehensive travel insurance coverage and an attractive signup bonus. The annual fee of $120 is waived in the first year and the accelerated cash back signup bonus allows you to earn up to $200 extra in cash back – a value of $320 in the first year.

But with a relatively low cash back of just 1.5%, do the other benefits of this card make it worthy of the annual fee?

Best for balance transfer offer: BMO CashBack MasterCard

With this basic no annual fee cash back card, you’ll earn a flat rate of 1% on all eligible purchases. Plus, take advantage of an optional balance transfer offer and earn an accelerated 5% cash back in the first three months.

How to choose the right cash back card for you

To choose the best cash back credit card, ask yourself:

With excellent credit, the doors to almost any credit card are wide open. When it comes to cash back credit cards, your choices include earning flat-rate cash back on all purchases or earning accelerated cash back on specific categories like gas and groceries. Your decision should heavily weigh on your spending habits and needs.

If you don’t think any of these cards are right for your needs, take a look at other cash back credit cards to broaden your options.

Compare more cash back credit cards

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee
Receive 5% cashback (up to $300 cashback) in the first six months.
19.99%
22.99%
2%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
22.99%
1.25%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
First year annual fee waived for new cardholders. Ends 31 October 2019.

20.99%
22.99%
4%
$0 annual fee for the first year ($120 thereafter)
Save with no annual fee for the first year. Ends 31 October 2019.
Receive a 7.99% introductory interest rate on all spend for the first six months. Ends 31 October 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 31 October 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 31 October 2019.
19.99%
22.99%
2%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
2%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Earn 10% cash back on all purchases for the first 3 months (up to a total spend of $2,000). Ends 1 December 2019.
20.99%
22.99%
3%
$0 annual fee for the first year ($120 thereafter)
Get 3% cash back on eligible groceries, gas and bill payments and 1% cash back on all other purchases.
N/A
19.99%
22.99%
1%
$0
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
19.99%
22.99%
1.5%
$0
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.

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