Top 7 BEST Credit Cards in CANADA (2024) - My Cash Back Combo

What are the Best Credit Cards in Canada in 2024? What are the Best CASH BACK rates in Canada? How can I Maximize my Cash Back? How many Credit Cards should I have? What combination should I use?

I’ll break down the 7 CANADIAN Cash Back Credit Cards that I use EVERYDAY in 2024 to maximize my total Cash Back. I use a combination of these cards to saves THOUSANDS every single year. Last year alone, I earned almost $3000 in cash back just by using the right card for each purchase! Not only is this free money but it also boosts my credit score! I go over each card’s cash back, benefits, annual fees and signup bonuses. I include referral links to each card down below 👇

CREDIT CARD LINKS & SKIP AHEAD: ⏩
-Intro: 0:00

1. SCOTIABANK Momentum Visa Infinite: 0:53
👆 Use my referral link to get 10% bonus cashback for the first 3 months 👆
Also, the annual fee will be waived for the first year!

CHEXY - 4% Cash Back on Your RENT! 🏠: 1:22
👆 Use Chexy to pay your rent with the Scotia Visa and earn 4% 👆

Use code: CANADIANTSHIRT
Get the First Month Free! 👆

-Scotia Visa Infinite - Cash Back: 2:04

2. AMERICAN EXPRESS SimplyCash Preferred: 3:51
👆Use my referral link to get up to $400 as a signup bonus 👆

No-Fee Version: AmEx SimplyCash 👇

-Credit Score: 5:35


3. SIMPLII Financial Cash Back Visa: 5:59
Use my referral link for GREAT signup bonuses👇

High Interest Savings 💰
5.9% - First 5 Months

Chequing Account - No Fee 💵
Up to $400 Bonus

4. TRIANGLE World Elite Mastercard: 7:04

5. HOME TRUST Preferred Visa: 8:16

6. PC Financial World Elite Mastercard: 8:56
Enter my Referral Code below to help me earn some PC Points 🙂
AB60098897

DROPOUT - SCENE+ Visa: 9:48
👇Use my referral link below to get 7,500 Scene Points 👇
Worth $75 for groceries or movies! 🍿

7. ROGERS Red World Elite Mastercard: 10:18
👆No signup bonus (yet) but you’ll help support my channel 👆

-Summary / Comparison: 12:18

Check Your CREDIT SCORE for FREE: 💳

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DISCLAIMER: I am NOT your financial advisor! My videos and the topics discussed are my opinions and are presented for entertainment purposes only. This information should not be construed as legal or financial advice. It is always up to YOU to do your own due diligence. It’s YOUR money so make YOUR own decisions!
I will NEVER ask you to send me money nor will I ever provide my phone number or personal email address. If you see this, that is a fake account and please report any suspicious activity or scam accounts claiming to be me.

DISCLAIMER: Links included in this description may contain affiliate links.
I will only ever suggest services or products that I use myself and I personally believe in.
If you sign up using my affiliate link, I will receive a small referral bonus at no extra cost to you!
Thank you for supporting The Canadian in a T-Shirt! =)

#CreditCard #CanadianCreditCard #CanadianCashBack #AmericanExpress #SimplyCash #InfiniteVisa #WorldEliteMastercard #Chexy #CashBack

[CanadianTShirt]

Referral links to all these cards are in the Description box below the video, I'll pin the top ones here 😊

SCOTIABANK Momentum Visa Infinite - 10% signup bonus 👇

CHEXY - Cash Back on Your RENT! 🏠

Discount Code: CANADIANTSHIRT

SIMPLII Financial Cash Back Visa 👇

ROGERS Red World Elite Mastercard 👇

AMERICAN EXPRESS SimplyCash Preferred - $400 signup bonus 👇

Borrowell - Free Credit Check 👇

[joyeeyang]

the "this is worth it as long as you spend $xxx" is so helpful cuz im too lazy to do the math

[derektale]

I just applied for the World Elite Canadian tire card and got approved instantly, the utilities and property tax option is insane! They also have a $150 sign up bonus carried over from the base CT card included until the end of May 2024 with any qualifying purchase at Canadian Tire retailers. Thank you!

[cjs]

Huge shout out! Just applied for the 4% cash back with Scotia Momentum Visa! Thank you!

[Tykoon]

Another great video! Rogers WE is my main CC because of Costco. I guess it’s time to move to Fido for the 2%. Still trying to get use to Adrian without Glasses 🤓

[AL.BUNDY.]

Very informative. I had no idea there were so many great credit cards. Paying rent with a credit card? Paying property taxes with a credit card? Wow, those are huge game changers! 💯💯💯💯💯💯💯💯

[SidResistance]

This guy is FIRE... explained it real quick without any confusion. I was expecting Scotia Passport credit card as the top contender.

[jussumgai]

I've been using the Visa Infinite for 2 years since seeing your last credit card video. For me it replaces a couple of the other cards on this list because I use the gift card hack for some restaurants, gas stations and shops like Canadian Tire (and their gas stations; using my triangle card for more points and discounts), Marks, London Drugs, Cineplex, Red Robins, etc., etc.. I've saved hundreds of dollars because of you, thanks!

[MegaZoomeZ]

Incredibly organized and straight forward. Youve earned yourself a new follower

[ibrahimarif]

Do a video for travel cards pls. Also cibc dividend infinite and bmo cash back work elite are amazing as well

[RyanThomasWoods]

Great video as always! I find the Wealthsimple cash card is the best travel card for foreign purchases as you save 2.5% foreign exchange fee AND get 1% cash back so really a 3.5% cashback savings vs the HomeTrust visa (based on my own analysis) - plus it’s also free

Also love my no-fee tangerine card as you get 2% cashback on 3 categories of choice (great to use on categories that you don’t get cashback on with other cards)

[WildHL]

Watching your 2022 video got me convinced to switch to cashback credit cards and I grabbed the Scotia Infinite and the Amex Preferred cards (and signed up for Chexy!!). I'm tempted to pick up the Simplii Visa and when I start traveling, I'll grab the Home Trust Visa thanks to this update video! I kinda wish I were a Rogers customer for their card but my phone bill is way cheaper with Public Mobile so oh well.

[DanielHernandezCa]

Hi! Thanks for all the info. I always follow you. I just found out that simplii doesn’t work in Quebec. You should do one like this very complete with all credit cards for people who work in Quebec.😊

[tommclaren]

Congratulations on the lasik, brother!
Must be a huge difference people can't even comprehend.

[eliesednawi]

Rogers World Elite MC, no fees, 2% cash back on everything or 3% if used to pay Rogers/Fido + 5 days/year free roaming

[MrTC-rvjo]

I buy mainly at Walmart and Costco so Amex wont gets u 4% there... Rogers will gets u 3% there! I have both Rogers home internet and Fido for mobile so 3% all the way!
I also have a mortgage and not rent so no card can help me there... great video Adrian! Btw- my grandparents were born in Romania too! Cheers!!

[arathaemaxus]

Thanks to your vids, my card pays for Xmas every year

[spikymidoo]

Great list.

I have Rogers WE for flat 3% on everything (I redeem against internet and phone bill).

I have Scotiabank Visa Momentum to pay the rent and in places coded as grocery store.

I use WS cash card for the no foreign currency conversion fee + 1% cashback.

I have just got the Triangle WE with the 150 CT money WB. I don't shop at CT regularly and I have only one bill to pay with it but the free roadside assistance worth it.

[BrkmatrixNeo]

I have been watching you for years and you always share great info. True Canadian !!

[freshfreshfreshfresh]

Pretty sure Scotia doesn’t consider Walmart and No Frills as “grocery store” unlike BMO (5%) and Tangerine (2% - no fee).