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★ ANNUAL CASH BACK MAXIMIZER ★ Your spend. Six cards. One winner. Type your monthly spend by category. The leaderboard updates live. Caps, fees, and rebate categories all included — same math the issuers run.
★ MAX ANNUAL CASH BACK · NET OF FEE $ 0
with Amex SimplyCash Preferred · based on $29,640 annual spend
★ LIVE LEADERBOARD
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AMX Amex SimplyCash Preferred NO-CAP CHAMPION
$682 net · $120 fee
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SCM Scotia Momentum Visa Infinite BILL CRUSHER
$622 net · $120 fee
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CIB CIBC Dividend Visa Infinite BALANCED ALL-ROUNDER
$574 net · $120 fee
#4
BMO BMO CashBack World Elite GROCERY KING
$450 net · $139 fee
#5
RGW Rogers Red World Elite NO-FEE WINNER
$445 net · $0 fee
#6
TGM Tangerine Money-Back CUSTOMIZER
$431 net · $0 fee
★ THE 6 TOP CARDS · DETAILED ★ Earn rates, caps, and the fine print Read the rate table before you apply. Caps are where issuers hide the trick.
BMO BMO CashBack World Elite BMO · $139/yr
GROCERY KING 🛒 Groceries 5.0%
⛽ Gas 3.0%
🍽 Dining 1.0%
📺 Bills 1.0%
🛍 Other 1.0%
WELCOME BONUS $200
5% groceries · 4% transit · 3% gas · $139 fee · $80k income required
Apply now → CIB CIBC Dividend Visa Infinite CIBC · $120/yr
BALANCED ALL-ROUNDER 🛒 Groceries 4.0%
⛽ Gas 4.0%
🍽 Dining 2.0%
📺 Bills 2.0%
🛍 Other 1.0%
WELCOME BONUS $400
4% groc & gas · 2% dining + transit + recurring · 1st-yr fee waived
Apply now → AMX Amex SimplyCash Preferred American Express · $120/yr
NO-CAP CHAMPION 🛒 Groceries 4.0%
⛽ Gas 4.0%
🍽 Dining 2.0%
📺 Bills 2.0%
🛍 Other 2.0%
WELCOME BONUS $250
No caps · 2% on EVERYTHING else · Amex acceptance gap is the only catch
Apply now → SCM Scotia Momentum Visa Infinite Scotiabank · $120/yr
BILL CRUSHER 🛒 Groceries 4.0%
⛽ Gas 2.0%
🍽 Dining 2.0%
📺 Bills 4.0%
🛍 Other 1.0%
WELCOME BONUS $250
4% groc · 4% recurring bills (Netflix, Hydro, phone) · 2% gas + transit
Apply now → RGW Rogers Red World Elite Rogers Bank · $0/yr
NO-FEE WINNER 🛒 Groceries 1.5%
⛽ Gas 1.5%
🍽 Dining 1.5%
📺 Bills 1.5%
🛍 Other 1.5%
WELCOME BONUS $100
Flat 1.5% on every purchase · 3% on USD · zero annual fee · cross-border favourite
Apply now → TGM Tangerine Money-Back Tangerine · $0/yr
CUSTOMIZER 🛒 Groceries 2.0%
⛽ Gas 2.0%
🍽 Dining 2.0%
📺 Bills 2.0%
🛍 Other 0.5%
WELCOME BONUS $100
Pick your top 3 categories at 2% · no fee · no income minimum · monthly payouts
Apply now → ★ 2-CARD STACKS · POWER USER ★ One card maxes 2 categories. Two cards max five. Pair strategically — cover every spend bucket at 3-5%.
4% bills + 5% groc The Bill Optimizer Scotia Momentum (bills)
+ BMO CashBack (groceries)
EST. ANNUAL VALUE $1,380/yr
4% home + 3% USD The Travel-Friendly Stack Amex SimplyCash (4% groc/gas)
+ Rogers Red (1.5% + 3% USD)
EST. ANNUAL VALUE $1,140/yr
2% smart + 1.5% rest The No-Fee Power Move Tangerine (2% chosen 3)
+ Rogers Red (1.5% everything)
EST. ANNUAL VALUE $820/yr
YOUR QUESTIONS
Cash back · straight answers Do cash back caps actually matter for normal spenders? − Yes, almost always. BMO CashBack World Elite caps groceries at $500/month — after that you earn 1% instead of 5%. The average Canadian family spends $1,100/mo on groceries, meaning over half is uncapped at 1%. The CIBC Dividend Infinite has an $80k spending cap shared across categories — easy to hit. Read the cap fine print before applying. Our maximizer above models them. Are no-fee cards always the right choice? + Can I stack multiple cash back cards? + When do I get my cash back? + Does cash back affect my taxes? + Should I cancel my card when the welcome bonus posts? + What's the difference between Visa Infinite, World Elite, and Amex? + How do I redeem cash back as cash (not statement credit)? +