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September is here, and fall will be underway shortly. School is about to go back in session after an extended time away, with our new normal firmly in place.

With the seasons changing, it can be a good time to take a look at your wallet. Our credit cards listed here will earn loads of cash back, get flexible reward points, or save on credit card interest rates. The choice is yours.

Credit Card Credit Card Offer Annual Fee Income Requirements Apply Now
SimplyCash Preferred Card from American Express * 10% cash back on all purchases for 4 months, up to $4,000 in spend (terms) $99 None Apply Now
MBNA Rewards Platinum Plus® Mastercard® * Up to 10,000 welcome bonus points
* 4 points per $1 on gas, groceries, and restaurants in the first 3 months, up to $5,000 spent per category (terms)
$0 None Apply Now
BMO® CashBack® World Elite®* Mastercard®* * 10% cash back on all purchases for the first 3 months, up to $2,000 spent (terms)
* Offer ends October 31, 2020
$120, first year free $80K personal/$150K household Apply Now
Brim World Elite Mastercard * Up to $500 worth of points (terms) $199, first year free $80K personal/$150K household Apply Now
American Express Cobalt * Up to 30,000 welcome bonus points (terms)
* Best credit card in Canada
$120, charged out as $10 per month None Apply Now
HSBC World Elite Mastercard * Up to 100,000 bonus points (terms)

$149, annual fee rebate for the first year $80K personal/$150K household Apply Now
BMO® CashBack® Mastercard®* * 5% cash back for 3 months, up to $2,500 spent (terms)
* 1.99% interest on balance transfers for 9 months
* Offer ends October 31, 2020
$0 $15K personal Apply Now
HSBC +Rewards Mastercard® * 20,000 bonus points (terms)

$25, annual fee rebate for the first year None Apply Now
Brim Mastercard * Up to $200 worth of points (terms) $0 $15K personal Apply Now
TD Cash Back Visa Infinite** * 10% cash back on all purchases for the first 3 months, up to $2,000 spent (terms)
* Offer ends September 8, 2020
$120, annual fee rebate for the first year free $60K personal/$100K household Apply Now
MBNA Rewards World Elite® Mastercard® * Up to 30,000 bonus points (terms) $120 $80K personal/$150K household Apply Now

10% cash back on all purchases for 4 months with one of our top cards for online shopping

For high cash back earn rates and a great welcome bonus, the is a card to take a look at.

To get you started, you can earn 10% cash back on every purchase in the first 4 months, on the first $4,000 in spend. That’s $400 in cash back ($320 more than you’d earn at the normal 2% earn rate). It’s one of the best cash back welcome offers out there right now.

After your bonus rate ends, you’ll earn 2% cash back on every purchase – no categories or caps to worry about. It’s the highest flat rate earn rate among cash back cards.

This high earn rate makes it one of our top choices for online shopping.

And even though it’s a cash back card, you’ll still get access to great Amex benefits like Amex Offers, which offers more savings, as well as 9 types of insurance.

It’s for an annual fee of $99, lower than most premium credit cards.

When you get your cash back: Every September.

10,000 bonus points, 2x the points in the first 3 months, and no annual fee

One of our top no fee credit cards, the , is offering a great sign-up bonus.

You can earn up to 10,000 bonus points:

  • 5,000 after you spend at least $500 in the first 3 months, and
  • 5,000 after signing up for e-statements.

And you’ll also earn 4 points per $1 spent on gas, groceries, and restaurant purchases in the first 3 months.

On top of that, you’ll earn MBNA Reward points at these great regular rates:

  • 2 points per $1 on gas, groceries, and restaurants (up to $5,000 spent annually in each category), and
  • 1 point per $1 on all other purchases.

Pretty sweet for a no fee card.

You’ll be able to use your MBNA Rewards for a host of redemptions, including travel, merchandise, gift cards, and statement credits.

And what’s more, this card has no income requirements, making it available to more Canadians.

10% cash back for the first 3 months and the first year free

Premium high flat rate cash back credit cards that are also accepted at Costco are hard to come by, and that describes the precisely.

To start, you’ll earn 10% cash back on every purchase for the first 3 months, up to $2,000 spent.

After that, a straightforward 1.5% earn rate on everything awaits you. No caps or categories to think about.

And it comes with some premium perks as well:

To top it off, the first year is currently free as well.

When you get your cash back: Any time you want, as long as you have $1 accumulated.

Earn up to 2% cash back on every purchase and pay no foreign exchange fees

Shop online frequently? Want to earn a high flat rate on all purchases? The is a credit card that offers both of these, and a whole lot more.

For rewards on all your purchases, you’ll earn a flat 2 points per $1 spent on the first $25,000 in annual spend (1 point per $1 afterwards). With Brim Rewards points worth 1 cent each, it’s a return of up to 2% on every purchase. And since you can use your points towards any purchase you make with the card, your rewards are basically cash back.

And there’s more. Shop with any of Brim’s 150+ retail partners, and you can earn up to 40% back on your purchases.

But that’s not all. It also has no foreign exchange fees, saving you 2.5% on your purchases not made in Canadian dollars, and a stunning 15 types of insurance, more than any other credit card.

And you can earn up to $500 in first time bonuses when you shop with Brim’s partners.

It’s all for an annual fee of $199, that’s currently waived for the first year.

When you get your cash back: Apply your cash back as a statement credit or towards a purchase anytime you like.

Best credit card in Canada, up to 30,000 bonus points

The is our #1 ranked credit card in Canada.

Why? Not only can you earn tons of points, but each one is also super valuable.

With the welcome bonus, you’ll earn 2,500 bonus points every month you spend $500 in the first year. That’s a total of 30,000 points.

On top of that, you’ll get:

  • 5 points per $1 spent on grocery, bar, and restaurant purchases,
  • 2 points per $1 spent on gas and travel purchases (including daily transit), and
  • 1 point per $1 spent on all other purchases.

And it’s all for a super manageable $10 monthly fee, instead of an annual fee of $120.

But, what are your points worth?

American Express Membership Rewards can be redeemed for travel and to get the best value, you can use the Fixed Points Travel Program for flight bookings. A point is worth up to 1.75 cents each this way.

The next most valuable option is transferring your points to Marriott Bonvoy. Amex points transfer at a ratio of 5:6, effectively giving you a 20% bonus. With a Bonvoy point worth 0.97 cents each when redeemed for hotel stays, an Amex point is worth 1.16 cents when transferred over.

Finally, you can also redeem points for any travel booking you can find, from any provider. Each point is worth 1 cent when redeemed this way.

All these different options make for a truly great credit card.

Up to 100,000 bonus points and no foreign exchange fees

For flexible rewards, a great welcome bonus, unique perks, and no foreign exchange fees, the checks all the boxes.

You’ll be earning 3 HSBC Reward points for every $1 spent on the card, which is doubled on eligible travel purchases.

The welcome bonus? Earn 20,000 points after the first purchase, and another 80,000 points when you spend $5,000 in the first 6 months. That’s worth $500 when redeemed for travel.

Want some perks? There are a few perks offered with this credit card:

  • $100 annual travel enhancement credit,
  • free membership in Mastercard Airport experiences (each visit costs US$32), and
  • 10% off select hotels booked through HSBC’s Expedia and Agoda portals.

Finally, it has the holy grail of waived fees – foreign exchange fees. You’ll save the typical 2.5% fee most other credit cards charge on purchases made in currencies other than CAD. With this card, only the exchange rate applies.

It’s a well rounded, flexible rewards credit card.

5% cash back on all purchases for first 3 months, 1.99% on balance transfer for 9 months and no annual fee

Want some cash back rewards, but want to skip on the annual fee? The is a great option to consider.

The welcome bonus is great for a no fee card. You’ll earn 5% cash back on all purchases for the first 3 months, until you’ve earned $100 cash back.

Once your welcome bonus is over, you’ll earn:

  • 3% cash back on groceries (up to $500 per month in spend),
  • 1% cash back on recurring bill payments (up to $500 per month in spend), and
  • 0.5% on all other purchases.

No other no fee cash back card is offering 3% on grocery purchases.

And if that 0.5% earn rate on all other purchases bums you out, simply pair it with another top no fee cash back card to boost that earn rate.

Need some savings on credit card debt instead? This card has you covered with a balance transfer promotion of 1.99% for 9 months.

If you’re a student, there’s an identical version of this card just for you.

When you get your cash back: Anytime you want, with a minimum redemption of $1.

Earn rewards and get low interest rates

Looking for that elusive combination of rewards and low interest rates? The is a rare card that offers both.

For rewards, you’ll earn a welcome bonus of 20,000 points after spending $2,000 in the first 6 months.

And on your purchases you’ll get:

  • 2 points per $1 on restaurants and entertainment, and
  • 1 point per $1 on all other purchases.

On the interest side of things, you’ll see a low permanent interest rate of 11.9% on purchases, cash advances, and balance transfers.

Only 4 credit cards that we track in Canada offer both rewards and low interest rates. This is one of the best of them considering the low $25 annual fee, which is also rebated for the first year.

Earn bonus rewards for online shopping and pay no foreign exchange fees

For the frequent online shopper, the is worth considering.

On all your purchases, you’ll earn 1 point per $1 spent – which can be directly converted to statement credits (so it’s essentially 1% cash back).

Plus when you shop online, you’ll get access to Brim Rewards, where you’ll be able to earn bonus rewards at over 100 online retailers – up to 40% more, depending on the retailer (just note that if you earn bonus rewards you forgo the regular earn rate).

Plus, the card has no foreign transaction fees and 5 types of insurance coverage.

When you get your cash back: Apply your cash back as a statement credit or towards a purchase anytime you like.

10% cash back and an annual fee rebate for the first year

One of the top cash back cards in Canada is also running a great sign-up bonus.

The is offering 10% cash back on absolutely all your purchases in the first 3 months, up to $2,000 in spend. That’s a potential $200 in rewards.

Plus, you don’t have to dish any of it out on an annual fee, because it’s rebated for the first year.

After your welcome bonus has been used up, you’ll be earning 3% cash back on gas, groceries, and recurring bills – capped at $15,000 in spending per year for each category. Afterwards, and on all your other purchases, you’ll get a straightforward 1% back.

One of the best features of this card? Complimentary roadside assistance. And while you may not be driving much right now, it’s one less thing you’ll have to pay if something happens to your car.

When you get your cash back: Anytime you like, as long as you have $25 accumulated.

Earn 30,000 bonus points and a return of up to 2% on all purchases


For flexible rewards and a high earn rate on every purchase, the may be up your alley – especially if you’re a Costco shopper.

To get started, you’ll get:

  • 20,000 points after spending $2,000 in the first 3 months, then
  • 10,000 more when you sign up for e-statements.

On top of that, you’ll earn 2 points per $1 spent on absolutely all of your purchases. With an MBNA Rewards point worth 1 cent when redeemed for travel, that’s a flat 2% return on every purchase.

For more immediate savings, you can also get gift cards. There’s a wide range of gift cards available, including Amazon. Each gift card redemption has a value of approximately 0.89 cents per point, for a return of 1.78%.

Or, you can get statement credits or cheques mailed to you instead. Each point in this case is worth 0.83 cents, for a return of 1.67%.

And as a Mastercard, it’s a great card for Costco lovers.

We want to hear from you

What deal will you take advantage of this month?

Is there one we haven’t mentioned?

Let us know in the comments below.