{"id":1075657,"date":"2026-04-13T11:58:33","date_gmt":"2026-04-13T15:58:33","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1075657"},"modified":"2026-04-13T12:06:13","modified_gmt":"2026-04-13T16:06:13","slug":"cashback-methods","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/make-money-online\/cashback-methods","title":{"rendered":"6 Cashback Methods to Stack &#038; Maximize Rewards"},"content":{"rendered":"<p>Different cashback methods can help you earn money back on everyday purchases, from groceries and gas to travel and online shopping. In Canada, there are several ways to earn cashback, including cashback credit cards, cashback platforms and retailer programs. By understanding how each method works, you can choose the best cashback strategy to maximize your rewards and overall savings.<\/p><h3>Summary: 6 cashback methods<\/h3><ol><li><a href=\"#cashback-credit-cards\">Cashback credit cards<\/a><\/li><li><a href=\"#cashback-sites\">Cashback sites<\/a><\/li><li><a href=\"#cashback-apps\">Cashback apps<\/a><\/li><li><a href=\"#cashback-browser-extensions\">Cashback browser extensions<\/a><\/li><li><a href=\"#retailer-cashback\">Retailer cashback programs<\/a><\/li><\/ol><h3 id=\"cashback-credit-cards\">1. Cashback credit cards<\/h3><p>Cashback credit cards are one of the most straightforward ways to earn money back. You earn a percentage of what you spend, typically higher in categories like groceries, gas or recurring bills. Then, cashback is usually paid monthly or annually as a statement credit or deposit.<\/p><div class=\"rewards-banner-container\n   rewards--container   \" data-campaign-name=\"tangerine_caccf_march_2026\" data-end-soon-date=\"2026-04-24T04:59:59.000Z\" data-niche=\"CACCF\" data-rewards-component=\"banner\">\n  <div class=\"rewards-banner\">\n    <div class=\"rewards-banner__top\">\n      <div class=\"rewards-banner__badge\">\n        FINDER REWARDS EXCLUSIVE\n      <\/div>\n    <\/div>\n    <div class=\"rewards-banner__content\">\n      <div class=\"rewards-banner__logo-and-share\">\n                  <div class=\"rewards-banner__logo-wrapper\">\n            <img decoding=\"async\" src=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo\" class=\"rewards-banner__logo\" alt=\"Tangerine logo\" srcset=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=180 180w, https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=360 360w, https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=600 600w, https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=900 900w, https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n          <\/div>\n        \n        <button class=\"rewards-banner__share-btn rewards-banner__share-btn--mobile\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-march-promotion\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n      <div class=\"rewards-banner__main-content\">\n        <div class=\"rewards-banner__text-content\">\n          <div class=\"rewards-banner__badges\">\n                                    <div class=\"rewards-banner__ends-soon\">\n              <svg class=\"luna-icon rewards-banner__ends-soon-icon\" style=\"--fill: var(--color-foreground-main)\">\n                <use href=\"#lightning\"><\/use>\n              <\/svg>\n              ENDS SOON\n            <\/div>\n                      <\/div>\n          <div class=\"rewards-banner__title-and-copy\">\n            <div class=\"rewards-banner__title\">\n                              Get <span class=\"rewards-banner__title-highlight\">$200<\/span> from Finder\n                          <\/div>\n            <div class=\"rewards-banner__copy\">\n        <span class=\"rewards-banner__copy-text\">\n          Get a <b>Tangerine Money-Back Credit Card<\/b> online through Finder and receive a <b>$200 digital Visa card + up to $100*<\/b> in welcome bonuses from Tangerine. Offer ends April 30, 2026.\n        <\/span>\n              <a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-tangerine-promotion-terms-and-conditions-march\" class=\"rewards-banner__terms-link\" target=\"_blank\" rel=\"noopener noreferrer\">\n                *Separate T&amp;Cs apply.\n              <\/a>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"rewards-banner__cta-wrapper\">\n                              <link rel=\"preload\" href=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo\" as=\"image\" type=\"image\/svg+xml\">\n     <script>window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"tangerine_caccf_march_2026\"] = {\"startDate\":\"2026-03-02T09:00:00.000Z\",\"endDate\":\"2026-05-01T04:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $200 from Finder\",\"titleHighlight\":\"$200\",\"copyText\":\"Get a \\u003Cb\\u003ETangerine Money-Back Credit Card\\u003C\\\/b\\u003E online through Finder and receive a \\u003Cb\\u003E$200 digital Visa card + up to $100*\\u003C\\\/b\\u003E in welcome bonuses from Tangerine. Offer ends April 30, 2026.\",\"termsText\":\"*Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"f49ed730-e748-4a33-9b07-53e67e4020b7\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-tangerine-logo\",\"nicheCode\":\"CACCF\",\"value\":\"200\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/tangerine-march-promotion\",\"validationDate\":\"2026-05-30T19:00:00.000Z\",\"fulfillmentDate\":\"2026-06-15T19:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-tangerine-promotion-terms-and-conditions-march\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $200 from Finder\",\"subtitleText\":\"\",\"items\":[{\"icon\":\"user\",\"text\":\"Create a Finder account for free in under 1 minute\"},{\"icon\":\"shopping-bag\",\"text\":\"Sign up for a Tangerine Money-Back Credit Card online through Finder\"},{\"icon\":\"confetti\",\"text\":\"Receive your $200 digital Visa card from Finder\"}],\"heading\":\"Get $200 from Finder\",\"membersHeading\":\"Get $200 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Create a Finder account for free in under 1 minute\\n* Sign up for a \\u003Cb\\u003ETangerine Money-Back Credit Card\\u003C\\\/b\\u003E online through Finder\\n* Receive your $200 digital Visa card from Finder\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Sign up for a \\u003Cb\\u003ETangerine Money-Back Credit Card\\u003C\\\/b\\u003E online through Finder\\n* Receive your $200 digital Visa card from Finder\",\"emailCaption\":\"\",\"continueText\":\"GET $200 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO TANGERINE\",\"copyText\":\"Ends on April 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-tangerine-logo\",\"nicheCode\":\"CACCF\",\"value\":\"200\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/tangerine-march-promotion\",\"validationDate\":\"2026-05-30T19:00:00.000Z\",\"fulfillmentDate\":\"2026-06-15T19:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-tangerine-promotion-terms-and-conditions-march\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null}};window[\"rewardsConfig_tangerine_caccf_march_2026\"] = {\"startDate\":\"2026-03-02T09:00:00.000Z\",\"endDate\":\"2026-05-01T04:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $200 from Finder\",\"titleHighlight\":\"$200\",\"copyText\":\"Get a \\u003Cb\\u003ETangerine Money-Back Credit Card\\u003C\\\/b\\u003E online through Finder and receive a \\u003Cb\\u003E$200 digital Visa card + up to $100*\\u003C\\\/b\\u003E in welcome bonuses from Tangerine. Offer ends April 30, 2026.\",\"termsText\":\"*Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"f49ed730-e748-4a33-9b07-53e67e4020b7\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-tangerine-logo\",\"nicheCode\":\"CACCF\",\"value\":\"200\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/tangerine-march-promotion\",\"validationDate\":\"2026-05-30T19:00:00.000Z\",\"fulfillmentDate\":\"2026-06-15T19:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-tangerine-promotion-terms-and-conditions-march\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $200 from 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TO TANGERINE\",\"copyText\":\"Ends on April 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-tangerine-logo\",\"nicheCode\":\"CACCF\",\"value\":\"200\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/tangerine-march-promotion\",\"validationDate\":\"2026-05-30T19:00:00.000Z\",\"fulfillmentDate\":\"2026-06-15T19:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-tangerine-promotion-terms-and-conditions-march\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null}};<\/script>\n          <a type=\"button\" class=\"rewards-banner__cta rewards--cta rewards--element-container\" data-product-id=\"f49ed730-e748-4a33-9b07-53e67e4020b7\" data-product-name=\"Tangerine Money-Back Credit Card\" data-offer-id=\"26831\" data-provider-name=\"Tangerine\" data-provider-id=\"c11c71f1-61cb-4875-8b9b-69baa75b5e0b\" 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class=\"rewards-banner\">\n    <div class=\"rewards-banner__top\">\n      <div class=\"rewards-banner__badge\">\n        FINDER REWARDS EXCLUSIVE\n      <\/div>\n    <\/div>\n    <div class=\"rewards-banner__content\">\n      <div class=\"rewards-banner__logo-and-share\">\n                  <div class=\"rewards-banner__logo-wrapper\">\n            <img decoding=\"async\" src=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo\" class=\"rewards-banner__logo\" alt=\"Tangerine logo\" srcset=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=180 180w, https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=360 360w, https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=600 600w, https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=900 900w, https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n          <\/div>\n        \n        <button class=\"rewards-banner__share-btn rewards-banner__share-btn--mobile\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-march-promotion\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n      <div class=\"rewards-banner__main-content\">\n        <div class=\"rewards-banner__text-content\">\n          <div class=\"rewards-banner__badges\">\n                                    <div class=\"rewards-banner__ends-soon\">\n              <svg class=\"luna-icon rewards-banner__ends-soon-icon\" style=\"--fill: var(--color-foreground-main)\">\n                <use href=\"#lightning\"><\/use>\n              <\/svg>\n              ENDS SOON\n            <\/div>\n                      <\/div>\n          <div class=\"rewards-banner__title-and-copy\">\n            <div class=\"rewards-banner__title\">\n                              Get <span class=\"rewards-banner__title-highlight\">$200<\/span> from Finder\n                          <\/div>\n            <div class=\"rewards-banner__copy\">\n        <span class=\"rewards-banner__copy-text\">\n          Get a <b>Tangerine Money-Back World Mastercard<\/b> online through Finder and receive a <b>$200 digital Visa card + get $120*<\/b> in welcome bonuses from Tangerine. Offer ends April 30, 2026.\n        <\/span>\n              <a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-tangerine-promotion-terms-and-conditions-march\" class=\"rewards-banner__terms-link\" target=\"_blank\" rel=\"noopener noreferrer\">\n                *Separate T&amp;Cs apply.\n              <\/a>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"rewards-banner__cta-wrapper\">\n                              <link rel=\"preload\" href=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-tangerine-logo\" as=\"image\" type=\"image\/svg+xml\">\n     <script>window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"tangerine_world_caccf_march_2026\"] = {\"startDate\":\"2026-03-02T09:00:00.000Z\",\"endDate\":\"2026-05-01T04:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $200 from Finder\",\"titleHighlight\":\"$200\",\"copyText\":\"Get a \\u003Cb\\u003ETangerine Money-Back World Mastercard\\u003C\\\/b\\u003E online through Finder and receive a \\u003Cb\\u003E$200 digital Visa card + get $120*\\u003C\\\/b\\u003E in welcome bonuses from Tangerine. 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Finder\",\"subtitleText\":\"\",\"items\":[{\"icon\":\"user\",\"text\":\"Create a Finder account for free in under 1 minute\"},{\"icon\":\"shopping-bag\",\"text\":\"Sign up for a Tangerine Money-Back World Mastercard online through Finder\"},{\"icon\":\"confetti\",\"text\":\"Receive your $200 digital Visa card from Finder\"}],\"heading\":\"Get $200 from Finder\",\"membersHeading\":\"Get $200 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Create a Finder account for free in under 1 minute\\n* Sign up for a \\u003Cb\\u003ETangerine Money-Back World Mastercard\\u003C\\\/b\\u003E online through Finder\\n* Receive your $200 digital Visa card from Finder\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Sign up for a \\u003Cb\\u003ETangerine Money-Back World Mastercard\\u003C\\\/b\\u003E online through Finder\\n* Receive your $200 digital Visa card from Finder\",\"emailCaption\":\"\",\"continueText\":\"GET $200 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO TANGERINE\",\"copyText\":\"Ends on April 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-tangerine-logo\",\"nicheCode\":\"CACCF\",\"value\":\"200\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/tangerine-march-promotion\",\"validationDate\":\"2026-05-30T19:00:00.000Z\",\"fulfillmentDate\":\"2026-06-15T19:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-tangerine-promotion-terms-and-conditions-march\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null}};<\/script>\n          <a type=\"button\" class=\"rewards-banner__cta rewards--cta rewards--element-container\" data-product-id=\"ebc96dcb-d5d4-4e3b-add3-97bf2bc57e88\" data-product-name=\"Tangerine Money-Back World Mastercard\" data-offer-id=\"27042\" data-provider-name=\"Tangerine\" data-provider-id=\"c11c71f1-61cb-4875-8b9b-69baa75b5e0b\" data-rewards-campaign-name=\"tangerine_world_caccf_march_2026\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/tangerine-world-mastercard-secure.html?nb=1&amp;src_country=ca\">\n            GET DEAL\n          <\/a>\n                <button class=\"rewards-banner__share-btn rewards-banner__share-btn--desktop\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-march-promotion\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"has-padding-xsmall\"><\/div><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><strong>Credit card<\/strong><\/th><th scope=\"col\"><strong>Cashback rate<\/strong><\/th><th scope=\"col\"><strong>Bonus cashback<\/strong><\/th><th scope=\"col\"><strong>Monthly or annual fee<\/strong><\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td data-title=\"Credit card\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard\">BMO CashBack Mastercard<\/a><\/td><td data-title=\"Cashback rate\">Up to 3% cashback<\/td><td data-title=\"Bonus cashback\">5% cashback for the first 3 months<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-world-elite-mastercard\">BMO CashBack World Elite Mastercard<\/a><\/td><td data-title=\"Cashback rate\">Up to 5% cash back<\/td><td data-title=\"Bonus cashback\">Get $40 cash back each month for your first year<\/td><td data-title=\"Monthly or annual fee\">$120 a year<\/td><\/tr><tr><td data-title=\"Credit card\">BMO Cashback Business Mastercard<\/td><td data-title=\"Cashback rate\">Up to 1.5% cash back<\/td><td data-title=\"Bonus cashback\">10% cash back for the first 3 months<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard-for-students\">BMO CashBack Mastercard For Students<\/a><\/td><td data-title=\"Cashback rate\">Up to 3% cash back<\/td><td data-title=\"Bonus cashback\">5% cash back for the first 3 months<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\">TD Cash Back Visa Card<\/td><td data-title=\"Cashback rate\">Up to 1%<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\">TD Cash Back Visa Infinite Card<\/td><td data-title=\"Cashback rate\">Up to 3%<\/td><td data-title=\"Bonus cashback\">10% cashback for the first 3 months<\/td><td data-title=\"Monthly or annual fee\">$139 a year<\/td><\/tr><tr><td data-title=\"Credit card\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rbc-credit-cards\/rbc-cash-back-mastercard-review\">RBC Cash Back Mastercard<\/a><\/td><td data-title=\"Cashback rate\">Up to 2% cash back<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\">RBC Cash Back Preferred World Elite Mastercard<\/td><td data-title=\"Cashback rate\">Up to 1.5% cash back<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$99 a year<\/td><\/tr><tr><td data-title=\"Credit card\">RBC Business Cash Back Mastercard<\/td><td data-title=\"Cashback rate\">Up to 2% cash back<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\">CIBC Dividend Visa Card<\/td><td data-title=\"Cashback rate\">Up to 2% cash back<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\">CIBC Dividend Platinum Visa Card<\/td><td data-title=\"Cashback rate\">Up to 3% cash back<\/td><td data-title=\"Bonus cashback\">Up to 10% cash back for the first 4 statements<\/td><td data-title=\"Monthly or annual fee\">$99 a year<\/td><\/tr><tr><td data-title=\"Credit card\">CIBC Dividend Visa Infinite Card<\/td><td data-title=\"Cashback rate\">Up to 4% cash back<\/td><td data-title=\"Bonus cashback\">Up to 10% cash back for the first 4 statements<\/td><td data-title=\"Monthly or annual fee\">$120 a year<\/td><\/tr><tr><td data-title=\"Credit card\">Scotia Momentum Visa Card<\/td><td data-title=\"Cashback rate\">Up to 2% cash back<\/td><td data-title=\"Bonus cashback\">2.99% balance transfer for 6 months<\/td><td data-title=\"Monthly or annual fee\">$49 a year<\/td><\/tr><tr><td data-title=\"Credit card\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\">Scotia Momentum Visa Infinite Card<\/a><\/td><td data-title=\"Cashback rate\">Up to 4% cash back<\/td><td data-title=\"Bonus cashback\">10% cash back for the first 3 months<\/td><td data-title=\"Monthly or annual fee\">$120 a year<\/td><\/tr><tr><td data-title=\"Credit card\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cash-back-credit-cards\/simplii-financial-cash-back-visa-card\">Simplii Financial Cash Back Visa Card<\/a><\/td><td data-title=\"Cashback rate\">Up to 4% cash back<\/td><td data-title=\"Bonus cashback\">Up to 20% cash back for the first 3 months<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\/tangerine-money-back-credit-card\">Tangerine Money-Back Credit Card<\/a><\/td><td data-title=\"Cashback rate\">Up to 2% cash back<\/td><td data-title=\"Bonus cashback\">Bonus 10% cash back for the first 2 months<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\/tangerine-world-mastercard-review\">Tangerine Money-Back World Mastercard<\/a><\/td><td data-title=\"Cashback rate\">Up to 2% cash back<\/td><td data-title=\"Bonus cashback\">Get $120 if you spend $1,500 in the first 3 months<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\">Neo Mastercard<\/a><\/td><td data-title=\"Cashback rate\">Up to 1%<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\">Neo World Mastercard<\/td><td data-title=\"Cashback rate\">Up to 2%<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\">Neo World Elite Mastercard<\/td><td data-title=\"Cashback rate\">Up to 5%<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$125<\/td><\/tr><tr><td data-title=\"Credit card\">National Bank mycredit Mastercard<\/td><td data-title=\"Cashback rate\">Up to 1% cash back<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\">National Bank Allure Mastercard<\/td><td data-title=\"Cashback rate\">Up to 1 point per $2 spent<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$0<\/td><\/tr><tr><td data-title=\"Credit card\">National Bank ECHO Cashback Mastercard<\/td><td data-title=\"Cashback rate\">Up to 1.5% cash back<\/td><td data-title=\"Bonus cashback\">N\/A<\/td><td data-title=\"Monthly or annual fee\">$30 a year<\/td><\/tr><\/tbody><\/table><h3>What are the best cashback credit cards in Canada?<\/h3><p>The best cashback credit card in Canada depends on your spending habits, preferred reward categories and how you plan to redeem your rewards. For example, if you drive a lot, you may want a credit card that offers higher cashback on gas.<\/p><p>That being said, some of the most popular cashback credit cards in Canada include the BMO Cashback Mastercard, TD Cashback Visa Infinite, CIBC Dividend Visa Infinite Card and the Scotia Momentum Visa Infinite Card as they offer competitive cashback rates with low or no annual fees.<\/p><h3 id=\"cashback-sites\">2. Cashback websites<\/h3><p>Cashback websites let you earn money back by shopping through their platform. You simply visit the site, click through to a retailer and complete your purchase as usual. The site earns a commission and shares part of it with you as cashback. It\u2019s free to sign up and use a cashback website, but it can take a few weeks or months to receive your rewards.<\/p><div class=\"signpost-cta type-default u-bg--lime-500\" data-component=\"signpost-cta\" data-component-type=\"default\" data-component-placement=\"in-content\" data-click-target=\"https:\/\/www.finder.com\/ca\/exclusive-offers\">\n\n    <div class=\"signpost-cta__content\">\n\n        <div class=\"signpost-cta__display-col\">\n                            <svg class=\"signpost-cta__icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"64\" height=\"42\" viewbox=\"0 0 32 21\" fill=\"none\">\n                    <path d=\"M21.6706 1.15503H0.555176V10.6001C0.555176 15.8165 4.78381 20.0452 10.0002 20.0452C12.2144 20.0452 14.2511 19.2793 15.8604 17.9974L15.9325 18.1084C17.5197 19.3237 19.5119 20.0452 21.6651 20.0452C26.8815 20.0452 31.1101 15.8165 31.1101 10.6001C31.1101 5.38366 26.8815 1.15503 21.6651 1.15503H21.6706Z\" fill=\"white\"><\/path>\n                    <path d=\"M25.704 5.12274C25.0325 5.12274 24.4054 5.37801 23.856 5.81641C24.3055 6.16602 24.6052 6.70431 24.6052 7.32029C24.6052 8.37468 23.7506 9.22928 22.6962 9.22928C22.4687 9.22928 22.2578 9.18489 22.0525 9.11275C21.9581 9.58445 21.9082 10.0839 21.9082 10.6C21.9082 13.6244 23.6063 16.0828 25.704 16.0828C27.8017 16.0828 29.4998 13.6299 29.4998 10.6C29.4998 7.57002 27.8017 5.11719 25.704 5.11719V5.12274Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M21.6704 0.600098H0V10.6001C0 16.1162 4.48391 20.6001 10 20.6001C12.1754 20.6001 14.1842 19.8953 15.8269 18.7133C17.5361 19.9453 19.5449 20.6001 21.6648 20.6001C27.1809 20.6001 31.6648 16.1162 31.6648 10.6001C31.6648 5.084 27.1809 0.600098 21.6648 0.600098H21.6704ZM1.10988 10.6056V1.71553H10C14.9001 1.71553 18.8901 5.70554 18.8901 10.6056C18.8901 15.5058 14.9001 19.4958 10 19.4958C5.09989 19.4958 1.10988 15.5058 1.10988 10.6056ZM21.6704 19.4958C19.8835 19.4958 18.1909 18.9741 16.7259 17.9863C18.7347 16.155 20.0055 13.5302 20.0055 10.6001C20.0055 6.72662 17.7913 3.36924 14.5616 1.70998H21.6704C26.5705 1.70998 30.5605 5.69999 30.5605 10.6001C30.5605 15.5002 26.5705 19.4902 21.6704 19.4902V19.4958Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M14.0404 5.12274C13.3689 5.12274 12.7419 5.37801 12.1925 5.81641C12.642 6.16602 12.9416 6.70431 12.9416 7.32029C12.9416 8.37468 12.087 9.22928 11.0326 9.22928C10.8051 9.22928 10.5942 9.18489 10.3889 9.11275C10.2946 9.58445 10.2446 10.0839 10.2446 10.6C10.2446 13.6244 11.9427 16.0828 14.0404 16.0828C16.1381 16.0828 17.8362 13.6299 17.8362 10.6C17.8362 7.57002 16.1381 5.11719 14.0404 5.11719V5.12274Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n                    <\/div>\n\n        <div class=\"signpost-cta__text\">\n    <p class=\"signpost-cta__heading\">Get Paid Twice for Your Financial Moves<\/p>\n            <p class=\"signpost-cta__description\">Stack digital Visa gift cards from Finder Rewards on top of your provider's sign-up bonuses.<\/p>\n    <\/div>\n\n    <\/div>\n\n    <div class=\"signpost-cta__action\">\n            <a href=\"https:\/\/www.finder.com\/ca\/exclusive-offers\" class=\"luna-button luna-button--primary signpost-cta__button\" data-tracking=\"signpost-cta-click\">Discover deals<\/a>\n        <\/div>\n<\/div>\n\n<table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><strong>Website<\/strong><\/th><th scope=\"col\"><strong>Cashback rate<\/strong><\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td data-title=\"Website\">Finder Canada<\/td><td data-title=\"Cashback rate\">$25 to $250+ per transaction<\/td><\/tr><tr><td data-title=\"Website\">moneyGenius<\/td><td data-title=\"Cashback rate\">$25 to $350<\/td><\/tr><tr><td data-title=\"Website\"><a href=\"https:\/\/www.finder.com\/ca\/make-money-online\/rakuten-review\">Rakuten<\/a><\/td><td data-title=\"Cashback rate\">1% \u2013 10%<\/td><\/tr><tr><td data-title=\"Website\"><a href=\"https:\/\/www.finder.com\/ca\/make-money-online\/great-canadian-rebates-review\">Great Canadian Rebates<\/a><\/td><td data-title=\"Cashback rate\">from 1% to 5%<\/td><\/tr><tr><td data-title=\"Website\"><a href=\"https:\/\/www.finder.com\/ca\/make-money-online\/topcashback-review\">TopCashback<\/a><\/td><td data-title=\"Cashback rate\">0.5% to 16.16%<\/td><\/tr><\/tbody><\/table><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/make-money-online\/cashback-sites-canada\" style=\"text-decoration:underline; font-size:0.9em;\">Cashback sites in Canada<\/a>\n<\/div>\n<\/article><h3 id=\"cashback-apps\">3. Cashback apps<\/h3><p>Cashback apps are similar to cashback websites, but they let you earn rewards on the go. Some require you to activate offers before shopping online or in person, while others reward you for uploading receipts with eligible purchases.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><strong>App<\/strong><\/th><th scope=\"col\"><strong>Cashback rate<\/strong><\/th><th scope=\"col\"><strong>How to earn<\/strong><\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td data-title=\"App\">Checkout 51<\/td><td data-title=\"Cashback rate\">$0.50 \u2013 $5.00 cashback per specific item<\/td><td data-title=\"How to earn\">Browse the app for updated offers each Thursday, add them to your shopping list, then redeem the offer and upload a photo of your receipt after purchase.<\/td><\/tr><tr><td data-title=\"App\">BeFrugal<\/td><td data-title=\"Cashback rate\">Up to 40%<\/td><td data-title=\"How to earn\">Find a cashback rate or coupon from a retailer you like, click <strong>Shop<\/strong> and complete your purchase on the retailer\u2019s website as normal.<\/td><\/tr><tr><td data-title=\"App\">Snaplii<\/td><td data-title=\"Cashback rate\">5\u201312%<\/td><td data-title=\"How to earn\">Purchase a gift card from a Snaplii partner retailer and you\u2019ll receive cashback immediately.<\/td><\/tr><tr><td data-title=\"App\">Swagbucks<\/td><td data-title=\"Cashback rate\">Up to $12<\/td><td data-title=\"How to earn\">Look through current Magic Receipts offers, add one to your list, then submit a receipt with an eligible purchase.<\/td><\/tr><tr><td data-title=\"App\">Rakuten<\/td><td data-title=\"Cashback rate\">1% \u2013 10%<\/td><td data-title=\"How to earn\">Rakuten is one of the only cashback apps in Canada that offers in-store cashback. To take advantage of these offers, link an eligible Visa card to your account, activate an offer, then pay in-store.<p>For online purchases, just select an available offer, tap <strong>Continue<\/strong> and you\u2019ll be redirected to the retailer\u2019s website to make your purchase.<\/p><\/td><\/tr><tr><td data-title=\"App\">Great Canadian Rebates<\/td><td data-title=\"Cashback rate\">from 1% to 5%<\/td><td data-title=\"How to earn\">Tap on an available offer and you\u2019ll be immediately redirected to the retailer\u2019s website to complete your purchase.<\/td><\/tr><tr><td data-title=\"App\">TopCashback<\/td><td data-title=\"Cashback rate\">0.5% to 16.16%<\/td><td data-title=\"How to earn\">Choose an offer, tap <strong>Get Cash Back<\/strong> and you\u2019ll be redirected to the retailer\u2019s website to make a purchase.<\/td><\/tr><\/tbody><\/table><div class=\"rewards--element-container rewards--container\" data-product-id=\"945d5c2f-febb-465f-93f3-fe3a197fac90\" data-product-name=\"Swagbucks\" data-niche=\"Make Money Online\" data-provider-name=\"Swagbucks\" data-rewards-campaign-name=\"\">\r\n\r\n<style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n.uk-hero-rates h3 { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n  \/* 1. Centers the button container and its text\/button *\/\r\n.applylinks {\r\n    display: flex;\r\n    flex-direction: column;\r\n    align-items: center;\r\n    justify-content: center;\r\n    text-align: center;\r\n}\r\n\r\n\/* 2. Ensures the button doesn't stretch and has equal margins *\/\r\n.applylinks .luna-button {\r\n    margin-left: auto;\r\n    margin-right: auto;\r\n    display: inline-block;\r\n    width: fit-content;\r\n}\r\n<\/style>\r\n\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\"><\/span>\r\n<a class=\"disclaimer_popup\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n  <span class=\"disclaimer_popup--text\" style=\"font-size: inherit;\">Promoted<\/span>\r\n  <svg class=\"luna-icon luna-icon--small luna-icon--primary\" aria-hidden=\"true\">\r\n    <use xlink:href=\"#info\"><\/use>\r\n  <\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/ca\/make-money-online\/swagbucks-make-money-online-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22945d5c2f-febb-465f-93f3-fe3a197fac90%22%2C%22product_name%22%3A%22Swagbucks%22%2C%22offer_id%22%3A%2226066%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_CA_COMPACT_CONTENT%22%2C%22niche_code%22%3A%22CAFSD-MMO%22%2C%22post_id%22%3A%221075657%22%2C%22post_path%22%3A%22make-money-online%252Fcashback-methods%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"nofollow\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/69cbe7e07391a.png\" alt=\"Swagbucks\" class=\"has-margin-bottom-xsmall has-padding-xxxsmall no-padding-top has-margin-top-xsmall\" style=\"width: 250px; min-width: 200px; max-height: 250px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69cbe7e07391a.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69cbe7e07391a.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69cbe7e07391a.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/69cbe7e07391a.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<h3 class=\"has-margin-bottom-xsmall\" style=\"font-weight: 400;\">Get Cashback From Swagbucks <\/h3>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n<li>Earn 1% \u2013 10% cashback<\/li>\r\n<li>Multiple ways to earn, such as cashback, surveys and games<\/li>\r\n<li>Cash-outs from $3<\/li>\r\n\r\n\r\n<\/ul>\r\n\r\n \r\n\r\n<\/div> \r\n  \r\n  <div class=\"applylinks u-grid__col u-1\/4@s\"><a href=\"https:\/\/www.finder.com\/redirect\/ca\/make-money-online\/swagbucks-make-money-online-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22945d5c2f-febb-465f-93f3-fe3a197fac90%22%2C%22product_name%22%3A%22Swagbucks%22%2C%22offer_id%22%3A%2226066%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_CA_COMPACT_CONTENT%22%2C%22niche_code%22%3A%22CAFSD-MMO%22%2C%22post_id%22%3A%221075657%22%2C%22post_path%22%3A%22make-money-online%252Fcashback-methods%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"nofollow\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button rewards--cta\">Go to site<\/a>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article>\r\n  <\/div>\r\n\r\n<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/make-money-online\/how-to-use-cashback-sites\" style=\"text-decoration:underline; font-size:0.9em;\">How to use cashback platforms<\/a>\n<\/div>\n<\/article><h3 id=\"cashback-browser-extensions\">4. Cashback browser extensions<\/h3><p>Many cashback platforms have browser extensions you can install, which automatically alert you to available cashback offers when you search for a participating retailer or visit their website. With one click, you can activate the offer, ensuring your purchase is tracked so you earn cashback without needing to go through the cashback platform\u2019s website first.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\" style=\"text-align: center; width: 50%;\"><strong>Browser extension<\/strong><\/th><th scope=\"col\" style=\"text-align: center; width: 50%;\"><strong>Cashback rate<\/strong><\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td data-title=\"Browser extension\">Rakuten<\/td><td data-title=\"Cashback rate\">1% \u2013 10%<\/td><\/tr><tr><td data-title=\"Browser extension\">TopCashback<\/td><td data-title=\"Cashback rate\">0.5% to 16.16%<\/td><\/tr><tr><td data-title=\"Browser extension\">BeFrugal<\/td><td data-title=\"Cashback rate\">Up to 40%<\/td><\/tr><tr><td data-title=\"Browser extension\">ShopPlus (only available for Safari)<\/td><td data-title=\"Cashback rate\">Up to 40%<\/td><\/tr><\/tbody><\/table><h3>Can you have multiple cashback browser extensions at the same time?<\/h3><p>Yes, you can have multiple cashback browser extensions installed at the same time, but you can only use one per purchase. Cashback tracking relies on cookies, and the last offer you activate before completing your purchase typically gets the credit. To maximize your earnings, use different browser extensions to find the best rate before activating an offer and completing your purchase.<\/p><h3>Cashback browser extension preview: Rakuten<\/h3><p><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2026\/04\/BestBuySiteRakutenCashback_Finder_1733x723.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-1075693\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/04\/BestBuySiteRakutenCashback_Finder_1733x723.jpg\" alt=\"Best Buy homepage with Rakuten cashback\" width=\"1733\" height=\"723\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/04\/BestBuySiteRakutenCashback_Finder_1733x723.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/04\/BestBuySiteRakutenCashback_Finder_1733x723.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/04\/BestBuySiteRakutenCashback_Finder_1733x723.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/04\/BestBuySiteRakutenCashback_Finder_1733x723.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/04\/BestBuySiteRakutenCashback_Finder_1733x723.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/04\/BestBuySiteRakutenCashback_Finder_1733x723.jpg?fit=5199 5199w\" sizes=\"(max-width: 5199px) 100vw, 5199px\" loading=\"lazy\"><\/a><\/p><h3 id=\"card-linked-cashback\">5. Card-linked cashback<\/h3><p>Card-linked cashback programs allow you to link your debit or credit card and earn cashback automatically when shopping at participating retailers. This is a \u201cset it and forget it\u201d strategy since once your card is linked, you don\u2019t need to activate offers or upload receipts to earn cashback.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><strong>Program<\/strong><\/th><th scope=\"col\"><strong>Cashback rate<\/strong><\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td data-title=\"Program\">Avion Rewards<\/td><td data-title=\"Cashback rate\">Varies by retailer<\/td><\/tr><tr><td data-title=\"Program\">Paymi<\/td><td data-title=\"Cashback rate\">Up to 30%<\/td><\/tr><tr><td data-title=\"Program\">Rakuten<\/td><td data-title=\"Cashback rate\">5%<\/td><\/tr><\/tbody><\/table><h3>How do you qualify for card-linked cashback?<\/h3><p>To qualify for card-linked cashback programs, you typically need to:<\/p><ul><li>Create a free account with the platform<\/li><li>Link an eligible debit or credit card<\/li><li>Agree to data-sharing terms so the platform can track your purchases securely<\/li><\/ul><p>Requirements for specific platforms:<\/p><ul><li><strong>Avion Rewards:<\/strong> Anyone can join, but RBC cardholders can unlock higher earning rates.<\/li><li><strong>Paymi:<\/strong> Open to Canadians with a linked debit or credit card from one of 17 eligible financial institutions.<\/li><li><strong>Rakuten:<\/strong> Card-linked offers are optional and require linking a Visa card and activating in-store offers.<\/li><\/ul><h3 id=\"retailer-cashback\">6. Retailer cashback programs<\/h3><p>Retailers often run their own loyalty programs that function like cashback systems, offering points or credits that you can redeem for future purchases or other rewards, like a flight booking or free movie.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><strong>Program<\/strong><\/th><th scope=\"col\"><strong>Cashback rate<\/strong><\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td data-title=\"Program\">PC Optimum<\/td><td data-title=\"Cashback rate\">Up to 40 PC Optimum points per $1 on qualifying purchases<\/td><\/tr><tr><td data-title=\"Program\">Scene+<\/td><td data-title=\"Cashback rate\">1\u20135 points for every $1 spent<\/td><\/tr><tr><td data-title=\"Program\">Triangle Rewards<\/td><td data-title=\"Cashback rate\">0.4% base rate<\/td><\/tr><tr><td data-title=\"Program\">AIR MILES<\/td><td data-title=\"Cashback rate\">Varies by retailer<\/td><\/tr><\/tbody><\/table><h3>What are the popular cashback programs from retailers?<\/h3><p>Two of the most popular cashback programs from retailers in Canada are PC Optimum and Scene+. PC Optimum lets you earn points at participating grocery stores, pharmacies and gas stations that you can then redeem for products from participating retailers, such as Loblaws or Fortinos.<\/p><p>With a Scene+ card, you can earn points at participating grocery stores, Cineplex theatres, gas stations and restaurants. You can then redeem these points for travel, dining, entertainment or groceries.<\/p><h3>Can you stack the different cashback methods?<\/h3><p>Yes, you may be able to stack certain cashback methods if the platform allows it. Here are some ways you can stack different cashback methods:<\/p><ul><li>Cashback credit card + cashback website, app or browser extension<\/li><li>Cashback credit card + receipt cashback app<\/li><li>Cashback website + receipt cashback app<\/li><li>Cashback credit card + gift card purchase with cashback (e.g. from Snaplii)<\/li><li>Card-linked cashback program + cashback credit card<\/li><li>Scan receipts on multiple cashback apps (though not all platforms allow this)<\/li><\/ul><p>So, the best way to stack cashback methods is to get a cashback credit card and use it for cashback-qualifying purchases. Just be sure to check the platform\u2019s terms and conditions before stacking different methods so you don\u2019t invalidate your cashback.<\/p><h3>What is the easiest cashback strategy to start with?<\/h3><p>Using a cashback credit card is the simplest option since it requires no extra steps after setup. And you can combine it with other cashback strategies, like purchasing an eligible item through a cashback platform (e.g. Rakuten or Great Canadian Rebates).<\/p><h3>Bottom line<\/h3><p>Cashback programs in Canada offer a simple, and often passive, way to earn rewards on your everyday purchases. Choose one of the cashback strategies that matches your spending habits, whether it\u2019s a cashback credit card, app or retailer program, and try to stack methods when possible. Just review the terms and conditions of each strategy before making your purchase to ensure you qualify for cashback and compare different cashback platforms to find the best rate.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Do cashback rewards expire?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on the provider. Some credit cards and cashback platforms have expiry policies, so it's important to check the terms and conditions. In many cases, cashback earned on credit cards doesn't expire as long as your account remains open and in good standing, while some apps or retailer programs may require you to redeem rewards within a certain timeframe or maintain account activity to keep your balance active.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Are cashback earnings taxable in Canada?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Cashback earnings are generally not taxable in Canada when they come from personal spending, such as credit card rewards or cashback apps. The Canada Revenue Agency (CRA) treats these rewards as a rebate or discount on your purchases, rather than as income, so you don't need to report them on your tax return.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">How long does it take to receive cashback?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Credit cards may pay cashback monthly or annually, while cashback platforms can take weeks or months to confirm your purchase and pay out cashback.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000003\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000003\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Learn practical cashback strategies to maximize savings on credit cards, apps and everyday purchases in Canada.<\/p>\n","protected":false},"author":1395,"featured_media":1032625,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":[],"blockTemplateId":"","_post_hreflang":"","related_url":"","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[107297],"tags":[],"asset_tag":[],"class_list":["post-1075657","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-make-money-online"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>6 Cashback Methods to Maximize Rewards | Finder Canada<\/title>\n<meta name=\"description\" content=\"Discover cashback strategies to earn more from credit cards, apps and online shopping platforms. 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