Best cash back credit cards in Canada for 2026

Verified Oct 16, 2026CAD

Cash back cards ranked by 3-year value on a couple's spending. Each card shows Year 1 against every year after, so a card that's mostly its welcome bonus is easy to spot.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

Spending: Couple · $2,555/moRank these on my own spending

#1
American Express
SimplyCash Preferred
$119.88 feeGroceries 4%Gas 4%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$873
Year 2+$673
3 years $2,270 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$873
Year 2+$673
Welcome or anniversary bonus$200 / $0Rewards on spending$793 / $793Fees (taken off the end)−$120 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
4%
Groc
Groceries
2%
Dine
Dining and takeout
4%
Gas
Gas and EV charging
2%
Air
Flights
2%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
2%
Drug
Drugstores
2%
Online
Online shopping
2%
Bills
Phone, internet and utilities
2%
Other
Everything else
Why it's ranked here
Ranked #1 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $2,270 after fees.
Year 1. $873 = welcome bonus $200 + rewards $793 − fee $120.
Each year after. $673 = rewards $793 − fee $120.
Against #2. Beats Scotiabank Momentum Visa Infinite by $210 over 3 years, mostly on rewards on spending (+$380).
Verified Oct 16, 2026Every term and assumption
#2
Scotiabank
Momentum Visa Infinite
$120 fee · yr 1 freeGroceries 4%Bills 4%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$967
Year 2+$547
3 years $2,060 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$967
Year 2+$547
Welcome or anniversary bonus$300 / $0Rewards on spending$667 / $667Fees (taken off the end)-$0 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
4%
Groc
Groceries
1%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
4%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
4%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #2 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $2,060 after fees.
Year 1. $967 = welcome bonus $300 + rewards $667.
Each year after. $547 = rewards $667 − fee $120.
Against #1. Trails American Express SimplyCash Preferred by $210 over 3 years, mostly on rewards on spending (−$380).
Against #3. Beats CIBC Dividend Visa Infinite by $104 over 3 years, mostly on welcome bonus (+$100).
Verified Oct 16, 2026Every term and assumption
#3
CIBC
Dividend Visa Infinite
$120 fee · yr 1 freeGroceries 4%Dining 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$865
Year 2+$545
3 years $1,956 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$865
Year 2+$545
Welcome or anniversary bonus$200 / $0Rewards on spending$665 / $665Fees (taken off the end)-$0 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
4%
Groc
Groceries
2%
Dine
Dining and takeout
4%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
2%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #3 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,956 after fees.
Year 1. $865 = welcome bonus $200 + rewards $665.
Each year after. $545 = rewards $665 − fee $120.
Against #2. Trails Scotiabank Momentum Visa Infinite by $104 over 3 years, mostly on welcome bonus (−$100).
Against #4. Beats TD Cash Back Visa Infinite by $144 over 3 years, mostly on rewards on spending (+$256).
Verified Oct 16, 2026Every term and assumption
#4
TD
Cash Back Visa Infinite
$139 fee · yr 1 freeGroceries 3%Bills 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$930
Year 2+$441
3 years $1,813 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$930
Year 2+$441
Welcome or anniversary bonus$350 / $0Rewards on spending$580 / $580Fees (taken off the end)-$0 / −$139
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
3%
Groc
Groceries
1%
Dine
Dining and takeout
3%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
3%
Transit
Transit and rideshare
3%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
3%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #4 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,813 after fees.
Year 1. $930 = welcome bonus $350 + rewards $580.
Each year after. $441 = rewards $580 − fee $139.
Against #3. Trails CIBC Dividend Visa Infinite by $144 over 3 years, mostly on rewards on spending (−$256).
Against #5. Beats RBC Cash Back Preferred World Elite Mastercard by $96 over 3 years, mostly on annual fees (+$82).
Verified Oct 16, 2026Every term and assumption
#5
RBC
Cash Back Preferred World Elite Mastercard
$120 feeGroceries 3%Dining 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$772
Year 2+$472
3 years $1,717 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$772
Year 2+$472
Welcome or anniversary bonus$300 / $0Rewards on spending$592 / $592Fees (taken off the end)−$120 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
3%
Groc
Groceries
3%
Dine
Dining and takeout
3%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
3%
Transit
Transit and rideshare
3%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #5 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,717 after fees.
Year 1. $772 = welcome bonus $300 + rewards $592 − fee $120.
Each year after. $472 = rewards $592 − fee $120.
Against #4. Trails TD Cash Back Visa Infinite by $96 over 3 years, mostly on annual fees (−$82).
Against #6. Beats Desjardins Cash Back World Elite Mastercard by $154 over 3 years, mostly on welcome bonus (+$300).
Verified Oct 16, 2026Every term and assumption
#6
Desjardins
Cash Back World Elite Mastercard
$100 feeGroceries 4%Dining 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$521
Year 2+$521
3 years $1,563 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$521
Year 2+$521
Rewards on spending$621 / $621Fees (taken off the end)−$100 / −$100
Pays for itself in month 2 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
4%
Groc
Groceries
3%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
3%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #6 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,563 after fees.
Year 1. $521 = rewards $621 − fee $100.
Each year after. $521 = rewards $621 − fee $100.
Against #5. Trails RBC Cash Back Preferred World Elite Mastercard by $154 over 3 years, mostly on welcome bonus (−$300).
Against #7. Beats PC Financial PC World Elite Mastercard by $111 over 3 years, mostly on rewards on spending (+$461).
Verified Oct 16, 2026Every term and assumption
#7
PC Financial
PC World Elite Mastercard
No annual feeGroceries 30xDrugstores 45x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$517
Year 2+$467
3 years $1,452 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$517
Year 2+$467
Welcome or anniversary bonus$50 / $0Rewards on spending$467 / $467Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
30x
Groc
Groceries
10x
Dine
Dining and takeout
10x
Gas
Gas and EV charging
10x
Air
Flights
10x
Hotel
Hotels and car rentals
10x
Transit
Transit and rideshare
10x
Stream
Streaming
45x
Drug
Drugstores
10x
Online
Online shopping
10x
Bills
Phone, internet and utilities
10x
Other
Everything else
Why it's ranked here
Ranked #7 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,452 after fees.
Year 1. $517 = welcome bonus $50 + rewards $467.
Each year after. $467 = rewards $467.
Against #6. Trails Desjardins Cash Back World Elite Mastercard by $111 over 3 years, mostly on rewards on spending (−$461).
Against #8. Beats Simplii Financial Cash Back Visa by $59 over 3 years, mostly on rewards on spending (+$109).
Points valued at 0.10¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#8
Simplii Financial
Cash Back Visa
No annual feeDining 4%Groceries 1.5%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$531
Year 2+$431
3 years $1,393 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$531
Year 2+$431
Welcome or anniversary bonus$100 / $0Rewards on spending$431 / $431Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5%
Groc
Groceries
4%
Dine
Dining and takeout
1.5%
Gas
Gas and EV charging
0.5%
Air
Flights
0.5%
Hotel
Hotels and car rentals
0.5%
Transit
Transit and rideshare
0.5%
Stream
Streaming
1.5%
Drug
Drugstores
0.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #8 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,393 after fees.
Year 1. $531 = welcome bonus $100 + rewards $431.
Each year after. $431 = rewards $431.
Against #7. Trails PC Financial PC World Elite Mastercard by $59 over 3 years, mostly on rewards on spending (−$109).
Against #9. Beats Rogers Bank Red World Elite Mastercard by $14 over 3 years, mostly on welcome bonus (+$100).
Verified Oct 16, 2026Every term and assumption
#9
Rogers Bank
Red World Elite Mastercard
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$460
Year 2+$460
3 years $1,380 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$460
Year 2+$460
Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5%
Groc
Groceries
1.5%
Dine
Dining and takeout
1.5%
Gas
Gas and EV charging
1.5%
Air
Flights
1.5%
Hotel
Hotels and car rentals
1.5%
Transit
Transit and rideshare
1.5%
Stream
Streaming
1.5%
Drug
Drugstores
1.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
1.5%
Other
Everything else
Why it's ranked here
Ranked #9 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,380 after fees.
Year 1. $460 = rewards $460.
Each year after. $460 = rewards $460.
Against #8. Trails Simplii Financial Cash Back Visa by $14 over 3 years, mostly on welcome bonus (−$100).
Against #10. Beats Scotiabank Momentum Visa by $182 over 3 years, mostly on annual fees (+$147).
Verified Oct 16, 2026Every term and assumption
#10
Scotiabank
Momentum Visa
$49 feeGroceries 2%Bills 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$399
Year 2+$399
3 years $1,198 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$399
Year 2+$399
Rewards on spending$448 / $448Fees (taken off the end)−$49 / −$49
Pays for itself in month 2 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
1%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
2%
Drug
Drugstores
1%
Online
Online shopping
2%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #10 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,198 after fees.
Year 1. $399 = rewards $448 − fee $49.
Each year after. $399 = rewards $448 − fee $49.
Against #9. Trails Rogers Bank Red World Elite Mastercard by $182 over 3 years, mostly on annual fees (−$147).
Against #11. Beats Tangerine Money-Back Credit Card by $125 over 3 years, mostly on rewards on spending (+$372).
Verified Oct 16, 2026Every term and assumption
#11
Tangerine
Money-Back Credit Card
No annual feeGroceries 2%Dining 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$424
Year 2+$324
3 years $1,073 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$424
Year 2+$324
Welcome or anniversary bonus$100 / $0Rewards on spending$324 / $324Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
0.5%
Air
Flights
2%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
0.5%
Stream
Streaming
2%
Drug
Drugstores
0.5%
Online
Online shopping
2%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #11 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $1,073 after fees.
Year 1. $424 = welcome bonus $100 + rewards $324.
Each year after. $324 = rewards $324.
Against #10. Trails Scotiabank Momentum Visa by $125 over 3 years, mostly on rewards on spending (−$372).
Against #12. Beats RBC Cash Back Mastercard by $151 over 3 years, mostly on rewards on spending (+$151).
Verified Oct 16, 2026Every term and assumption
#12
RBC
Cash Back Mastercard
No annual feeGroceries 2%Gas 1%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$374
Year 2+$274
3 years $922 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$374
Year 2+$274
Welcome or anniversary bonus$100 / $0Rewards on spending$274 / $274Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
0.5%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
0.5%
Air
Flights
0.5%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
0.5%
Stream
Streaming
0.5%
Drug
Drugstores
0.5%
Online
Online shopping
0.5%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #12 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $922 after fees.
Year 1. $374 = welcome bonus $100 + rewards $274.
Each year after. $274 = rewards $274.
Against #11. Trails Tangerine Money-Back Credit Card by $151 over 3 years, mostly on rewards on spending (−$151).
Against #13. Beats Scotiabank Momentum No-Fee Visa by $149 over 3 years, mostly on rewards on spending (+$149).
Verified Oct 16, 2026Every term and assumption
#13
Scotiabank
Momentum No-Fee Visa
No annual feeGroceries 1%Bills 1%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$324
Year 2+$224
3 years $772 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$324
Year 2+$224
Welcome or anniversary bonus$100 / $0Rewards on spending$224 / $224Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
0.5%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
0.5%
Air
Flights
0.5%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
0.5%
Online
Online shopping
1%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #13 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $772 after fees.
Year 1. $324 = welcome bonus $100 + rewards $224.
Each year after. $224 = rewards $224.
Against #12. Trails RBC Cash Back Mastercard by $149 over 3 years, mostly on rewards on spending (−$149).
Against #14. Beats Brim Financial World Elite Mastercard by $120 over 3 years, mostly on annual fees (+$267).
Verified Oct 16, 2026Every term and assumption
#14
Brim Financial
World Elite Mastercard
$89 fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$218
Year 2+$218
3 years $653 after fees· pays for itself in month 4
Apply
Breakdown, earn rates and why it's ranked here
Year 1$218
Year 2+$218
Rewards on spending$307 / $307Fees (taken off the end)−$89 / −$89
Pays for itself in month 4 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
1%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #14 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $653 after fees.
Year 1. $218 = rewards $307 − fee $89.
Each year after. $218 = rewards $307 − fee $89.
Against #13. Trails Scotiabank Momentum No-Fee Visa by $120 over 3 years, mostly on annual fees (−$267).
Against #15. Beats TD Cash Back Visa by $21 over 3 years, mostly on rewards on spending (+$288).
Verified Oct 16, 2026Every term and assumption
#15
TD
Cash Back Visa
No annual feeGroceries 1%Bills 1%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$211
Year 2+$211
3 years $632 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$211
Year 2+$211
Rewards on spending$211 / $211Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
0.5%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
0.5%
Air
Flights
0.5%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
0.5%
Drug
Drugstores
0.5%
Online
Online shopping
1%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #15 of 15. By 3-year value on the couple preset's spending. Over 3 years it's worth $632 after fees.
Year 1. $211 = rewards $211.
Each year after. $211 = rewards $211.
Against #14. Trails Brim Financial World Elite Mastercard by $21 over 3 years, mostly on rewards on spending (−$288).
Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

More best-of lists

The ranking in numbers

Couple preset, $2,555 a month, after fees. "~" marks estimates.

Card	Year 1	Year 2+	3 years
American Express SimplyCash Preferred	$873	$673	$2,270
Scotiabank Momentum Visa Infinite	$967	$547	$2,060
CIBC Dividend Visa Infinite	$865	$545	$1,956
TD Cash Back Visa Infinite	$930	$441	$1,813
RBC Cash Back Preferred World Elite Mastercard	$772	$472	$1,717
Desjardins Cash Back World Elite Mastercard	$521	$521	$1,563
PC Financial PC World Elite Mastercard	$517	$467	$1,452
Simplii Financial Cash Back Visa	$531	$431	$1,393
Rogers Bank Red World Elite Mastercard	$460	$460	$1,380
Scotiabank Momentum Visa	$399	$399	$1,198

Frequently asked questions

What are the best cash back credit cards?

On couple spending ($2,555 a month), American Express SimplyCash Preferred ranks first: $873 in year 1 and $673 a year after fees.

How were these cards picked?

Cash back cards ranked by 3-year value on a couple's spending. The order comes from the same calculation as the comparison tool, with the same tie-breakers; commission never changes it.

Will the order be the same for me?

Only if you spend like the preset. Spending more in a card's bonus categories moves it up. Set your own numbers in the tool to see your order.

Sources

Estimates for information only; not financial advice. See how cards are ranked.