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Compare Visa cash back credit cards 2022

Get rewarded for your spending with a Visa cash back credit card.

Name Product Welcome Offer Cash Back Rate Purchase Interest Rate Annual Fee Min. Credit Score Reward Description
Simplii Financial Cash Back Visa Card
10% cash back
Up to 4% cash back
9.99% intro APR for the first 6 months, 19.99% thereafter
$0
Min. recommended credit score: 650
Earn 10% cash back on dining experiences when you spend up to $500 in your first 4 months.
Scotia Momentum Visa Infinite Card
10% cash back
Up to 4% cash back
2.99% intro APR for the first 6 months, 20.99% thereafter
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 750
Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring bill payments, 2% per $1 spent on eligible gas purchases & public transit, and 1% per $1 spent on all other eligible purchases.
Scotia Momentum No-Fee Visa Card
Up to 5% cash back
1% cash back
2.99% intro APR for the first 6 months, 19.99% thereafter
$0
Min. recommended credit score: 660
Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
Scotiabank GM Visa Card
N/A
Up to 5% cash back
19.99%
$0
Min. recommended credit score: 660
Earn 5% in GM Earnings on all eligible purchases on the first $5,000 annual spend, and 2% in GM Earnings on all eligible purchases thereafter.
Scotiabank GM Visa Infinite Card
No first year annual fee
Up to 5% cash back
19.99%
$0 annual fee for the first year ($79 thereafter)
Min. recommended credit score: 660
Earn 5% in GM Earnings on the first $10,000 annual spend, and earn 2% in GM Earnings thereafter.
Scotia Momentum Visa Card
2.99% low introductory rate
Up to 2% cash back
2.99% intro APR for the first 6 months, 19.99% thereafter
$39
Min. recommended credit score: 660
Earn 2% cash back on all eligible gas station, grocery store and drug store purchases and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annual spend is reached).
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Compare up to 4 providers

If you have a preference for the world’s biggest credit card network, you can rest easy knowing you have many stellar options when it comes to Visa’s cash back credit card offerings.

Get a flat-rate Visa card that offers a fixed percentage of cash back on all spending, or, opt for an accelerated cash back card, where you can earn more cash back on specific spending categories like gas, groceries, dining and travel.

How to choose the right Visa cash back card for you

To choose the best Visa cash back credit card, consider the following factors:

  • Annual fee. Cards with annual fees often have much higher cash back rewards and better signup bonuses. However, you’ll want to consider whether you’ll spend enough for your rewards to surpass the annual fee. A no annual fee cash back card can reward you for your spending without having to pay a cent.
  • Interest rates. With a cash back card, it’s a great idea to pay off your balance in full each month to ensure that you’ll get the maximum value from your rewards – instead of losing them to interest payments. If you plan on carrying a balance on your card, consider a low interest rate card or a balance transfer credit card.
  • Signup bonus. A signup bonus can give you a quick burst of rewards. Before you choose a card with a strong welcome offer, be sure you’ll get sufficient value from it after you’ve earned the bonus. Additionally, you’ll want to make sure you can meet the spend requirement to receive the bonus in full.
  • Cash back rewards. Consider whether you’re going to earn a flat-rate of cash back on all purchases or whether you will earn accelerated cash back on specific spending categories. It’s important to consider your spending habits when choosing between a flat-rate card and an accelerated cash back card. You’ll also want to make sure the accelerated categories on offer match up with your spending habits.
  • Cash back earnings. How much cash back will you earn per $1 spent? Cards with higher annual fees typically offer the highest amount of cash back per dollar spent.
  • Balance transfer offer. Some credit cards will have an optional balance transfer offer. If you carry debt on other credit cards, you may be able to move it to your new card. By doing this, you can typically take advantage of a 0% or low interest rate on the transferred balance for a set period of time – usually between six to 10 months.
  • Extra perks. What other perks does your card offer? Consider complimentary travel insurance, car rental insurance, airport lounge access, concierge services and shopping discounts.

Find out how Visa Infinite credit cards work

With plenty of cards on the market, it’s likely that you can find a Visa cash back card that fits your lifestyle. When comparing cards, consider your spending habits and your financial situation.If you’re unsure if any of these Visa cash back cards in the table above are right for your needs, check out our comparisons on cash back cards with no annual fee or our picks for the best cash back cards.

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