Top Cash Back Credit Cards


Credit card companies are working harder than ever to get your business by offering rewards. All of the credit cards below offer rewards such as travel, merchandise, balance transfer and cash back. This list has credit cards that offer cash back upon approval.

What are the best ways to maximize your savings?

  • Do you usually pay cash at the grocery store?  Start using your cash-back credit card.
  • The average Canadian has 3 credit cards in their wallet. Only use the one that gives you the cash back.
  • Place payments that come directly from your bank account on your credit card. It adds up quickly.

And our BEST TIP of all, always pay the balance at the end of the month. There is no point in getting 2.5% back if you end up having to pay over 10 percent in interest on the unpaid balance that results.

Here are the Great Canadian Rebates Top 10 Cash Back Credit Cards (in no particular order)

* Please be sure to visit the Credit Card Application page for full details/limitations on each card listed.

* Carefully follow directions on Great Canadian Rebates links to ensure you receive your GCR cash back rebate.

Great Canadian Rebates Cash Back Rebate: $60.00

  • Earn Sony Points on qualifying net retail purchases made using your Sony Card MasterCard.
  • Get 2,000 Sony Points after your first qualifying transaction
  • Earn Double Sony Points with every qualifying net retail purchase of Sony products at or the Sony store/ Maison Sony
  • Redeem Sony Points toward any Sony product at
  • Browse through the complete catalogue including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media and so much more!
  • Enhanced security and protection with Chip & PIN technology and PayPass

Great Canadian Rebates Cash Back Rebate: $40.00

  • A full 2% cash back on all eligible gas, groceries, recurring payments and drug store purchases
  • A full 1% cash back on all other eligible purchases
  • Purchase Security and Extended Warranty protection on most purchases

Great Canadian Rebates Cash Back Rebate: $65.00

  • Earn 25,000 Welcome Points (enough for a round-trip flight to almost anywhere in North America) if you reach $3,000 in purchases within the first 3 months of Card membership. You can also earn a Thank You Bonus of up to 40,000 Bonus Points each year
  • Earn 1 Membership Rewards® point for virtually every $1 in purchases charged to your Card
  • Use your points to save money by investing back into your business. Redeem Membership Rewards points toward your American Express Card balance with Points for Credit to pay for your everyday purchases.
  • Transfer your points with no fee to many frequent flyer and loyalty programs and 1:1 to Aeroplan
  • Go online to access the paperless Expense Management Reports delivered quarterly and annually, for flexible tracking and simple tax preparation

* As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.

Great Canadian Rebates Cash Back Rebate: $60.00

  • Around-the-clock fraud protection
  • Online access to your credit card account
  • Unparalleled 24-hour customer service
  • International acceptance at millions of locations
  • No annual fee
  • Enhanced security and protection with Chip & PIN technology and PayPass

Great Canadian Rebates Cash Back Rebate: $50.00

  • Earn a Welcome Bonus of 15,000 Membership Rewards points when you charge $500 in purchases to your Card in your first 3 months of Card membership
  • Earn double points on eligible travel and everyday purchases
  • Transfer your points to frequent flyer programs, or 1:1 to Aeroplan and Avios
  • 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster

* As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.

Great Canadian Rebates Cash Back Rebate: $40.00

Maximum cash back on everyday spending


  • 4% on eligible gas station and grocery store purchases
  • 2% on drug store purchases and recurring bills
  • 1% cash back on all other eligible purchases
  • VISA Infinite Complimentary Concierge Service – available 24/7
  • Access to VISA Infinite Luxury Hotel Collection
  • VISA Infinite Dining Series – Unique dining experiences in some of Canada’s top restaurants
  • Special access to unique offers and experiences
  • Rental car collision insurance
  • Purchase security and extended warranty protection

Great Canadian Rebates Cash Back Rebate: $60.00

  • Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months
  • Up to 2% cash back on eligible gas and grocery purchases thereafter
  • Up to 1% cash back on all of your other eligible purchases
  • 1.99% annual interest rate (AIR) on balance transfers, access cheques and deposits for the first 10 full months
  • Enjoy free online access to your credit card account

And, with no annual fee and free additional cards you’ll start to see the benefits right away.

Once your cash back totals at least $50 at the end of a monthly billing cycle, MBNA will automatically mail you a cheque – it’s that simple.

Product availability and information is provided by the merchants. We take no responsibility for the accuracy of content. Promotional discounts and cash back rebates may be available when purchased through Great Canadian Rebates. This is not a review of products. Products were not tested. Our selection process gathers customer feedback and ratings from many retailer websites and tabulates their responses into one list. They do not reflect our opinions.

The interest rates, fees, rewards details, benefits and other details of the Capital One product(s) described in the article may have changed since the time of publication. Please consult the product information pages on the Capital One website for accurate product details. In the event of any conflict between the product details in this article and the Capital One website, the details on the Capital One website shall prevail.

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Visual reminders can ease the stress of debt

Saving money is something everyone should mark as a priority at the beginning of each year. It is never too early, or late, to start saving but the question is how to make it a habit. Knowing what your current debt levels are can help you achieve a greater savings rate.

Connecting your debt levels to your savings rate is not as weird as it may seem at first. Whether your debt is in the form of a mortgage, credit card, or student loan, these companies require that you make your monthly payments in cash. Unlike going to the grocery store where you have the option to use credit, your debts will take cash directly away from your ability to begin saving or increase your savings rate.

So the next logical step is to find a way to keep track of your debt levels. Visual reminders are often the best, as they cause us to pause and think about what we are seeing. Technology can play an important role here, as every smartphone and many cell phones have ways to enter daily reminders that create visual alerts. If you are a person whose first thing to do upon waking up is to turn on your computer, you can awake from your sleep by starting up with a spreadsheet of your monthly finances. If your first instinct in the morning is to watch television, be sure that the channel is changed to a financial or money themed channel before going to bed.

There are a number of non-technology visual reminders that can be used as well. If you still get your credit card bills in the mail, instead of just paying the bill, take a minute to look at the total amount of your debt – and what you are using your credit cards for. The higher your debt, the greater amount of your monthly payment. You may also try some mental trickery by placing your credit cards behind your debit and bank cards. The idea is to remind you that whatever you buy will cost you cash, whether it is now or in the future. If you hesitate before reaching back for that credit card, it is a small step towards adding to your savings.

Remember, the reason for a visual debt reminder is to reduce your debt and free up the cash paying down debt and redirect it to a savings account. And the reminders do not have to be daily, but should be at a regular time of the day, week, or month.

A caution needs to be issued here about these debt reminders. Obsessing about debt is not the purpose of these reminders. Nor is it intended to have you obsess about money in general. In fact, if you are obsessing about debt or money you do not need any reminders. In this regard, perhaps you can use these debt reminders as a way to decompress about your debt worries and switch your focus to a positive view of saving money.

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Cuisinart ICE-30BC Pure Indulgence 2 Qt. Frozen Yogurt-Sorbet & Ice Cream Maker

Cuisinart ICE-30BC Pure Indulgence 2 Qt. Frozen Yogurt-Sorbet & Ice Cream Maker

Cuisinart ICE 30BC is an excellent ice cream maker that is the desire of everybody to own. The double quartz sorbet maker is simple and very easy to use. The machine is a remarkable improvement from the traditional ice cream makers in the market today because of its unique features. Unlike other treat makers, users of Cuisinart ICE 30BC do not need to apply ice, salt, or even churning the machine.

You can find this ice cream maker on the Great Canadian Rebates website. Click here to get it and to take advantage of the cash back rebates that have to offer.

Everybody who has used the ice cream maker has attested to its excellence and high quality performance. It remains a unique counter top maker to have in a home. Users enjoy it in all seasons, and it is well used in the summertime.

The machine works efficiently such that once any dessert or drink is put into the machine it starts to work immediately. Dessert will be done within half an hour. With the machine, you could prepare your special homemade menu or prepare frozen yogurt in a matter of minutes. Many homemakers love the machine because it is faster in freezing. It is very simple to use and very specially designed. It makes your best treats quickly.

Here are some of the features that make Cuisinart ICE 30BC unique. First is that there is hardly any ice cream maker that compares with it in making sorbet and ice cream. It is the leader in the market. Secondly, many people like to use it because it is easy and simple to assemble. Even a novice could assemble and use the machine.

Thirdly, unlike most other ice cream makers in the market, the machine regulates itself. It stops automatically when the motor becomes very hot. Moreover, the cord is not exposed, as it is stored within the system. This makes it very safe to use. Even a novice could use it in preparing a favorite dessert; the manual would guide anybody with many recipes for frozen treats and ice cream. The customer service is excellent. This means the makers could be contacted any time if there is an issue or challenge of the machine.

The only challenge users have reported about the ice cream maker is that its canister requires pre-freezing. Apart from this, the machine is a great home appliance everybody would be proud to purchase.

The machine is durable because of the finest materials used in its manufacture. The body is composed of stainless steel material and has a double walled container. This canister container should be pre-frozen for about six hours before using.

The ice cream maker, which has a dimension of 8.25″ x 8.00″ x 11.25″ and weighs 13.5 pounds is BPA free. It has a three-year warranty if purchased from a reliable dealer. Because of the heavy-duty machine, dessert or anything put into it like yogurt would freeze in 25 minutes. It is fully automatic and very convenient to use. It is the best ice cream maker that anybody can lay hands on in the market today.

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Royce Leather Deluxe Toiletry Bag

Royce Leather Deluxe Toiletry Bag

This a functional and neat bag which features three zippered compartments. The opening of the middle compartment is like that of a flap. Inside it you will find two see through mesh compartments which have a small zippered hide-away pocket and a hang hook. Additional storage on its outside has been catered for by the provided 2 lateral compartments.

You can find this toiletry bag on the Great Canadian Rebates website. Click here to get it and to take advantage of the cash back rebates that we offer.

Features of the Royce Leather Deluxe Toiletry Bag

• it is made of genuine leather
• has a center compartment with a flap-like opening manner
• presence of a hang hook
• 2-lateral compartments
• 2-small zippered hide-away pocket
• Has a weight of 1 lb
• Has dimensions of 9″ x 3.4″ x 9.5″
• Has linear inches of 21.9″
• Waterproof lining

Benefits of using the Royce Leather Deluxe Toiletry Bag

• It is accompanied by a lengthy warranty that covers against defects in workmanship and material
• Specific items can be kept in different areas since it has a number of compartments
• It has an interior that unzips for one to see virtually everything as opposed to bags with hidden spots in them
• It is accompanied by a hook and a nice handle for hanging it in the area of preference of the user.
• Provided in a number of colors
• In case of rain or any form of water, the water proof lining will ensure your items are well secured.
• Can be used for both formal and informal functions
• It is offered at prices which are relatively affordable to many
• Its weight offers a lot of convenience as it is still manageable even when loaded. That means it can be as heavy as what you are carrying inside it.

Cons of using the Royce Leather Deluxe Toiletry Bag
• Some believe that is not big enough to carry as much items as they would desire

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Volunteer your time and save money

Joining a volunteer program is a great way to save money and give your most valuable asset back to the community, which is your time. You can join certain volunteer groups around your community and save money while you are helping a good cause.

Ways to save money while volunteering your time

While you are helping others you can save money on your utilities at your home because when you are not home you can turn the thermostat up while you are gone. You can also save money on food bills because meals you eat while volunteering are completely tax deductible.

The IRS also gives tax deductions for certain volunteer community programs and you can have your mileage deducted for trips you make in certain volunteering groups. Any expenses including meals are tax deductions. Your meals are not limited to the fifty percent that normal business deductions have. All the expenses including mileage on your car or overnight stays when you are doing charitable volunteer work in your community are deductible on your taxes.

How nonprofit businesses save money from volunteer programs

A Volunteer program is a way to give back to the community and also a way for businesses to save money in the process. If you have retired citizens in your neighborhood who need something to do with their time this is a great opportunity.

There is no need to worry with insurance or taxes paid on your volunteer employees and most of all they give of their time because they want to. This attitude brings a whole new platform to your business. The best advice when hiring volunteers who volunteer with your nonprofit business is use the talent you are given.

A lot of people donate their talent to nonprofit businesses and that should be utilized and will save nonprofit businesses money on different things. So make sure when you have volunteers who volunteer their services you know just what talents they bring to the table so you can use this valuable resource and save money.

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No need to spend lots of money for entertainment

Spend, spend, spend…that’s what mass media makes us believe is necessary for happiness. If you don’t spend money, you can’t have fun, right? Wrong! Don’t fall into the trap of spending unnecessary money to have a good time. There are so many activities you can do at home, or for little money.

Look for the Bargains

You don’t have to give up everything you enjoy just to stay on a budget. You just need to plan ahead and choose wisely. Here are a few things you can do to have fun without breaking the bank:

Having Fun Away from Home

• Matinee movies: Most movie theaters offer lower prices for early showings of movies. Be sure to eat before you go so you won’t be tempted to spend all your money on an overpriced $10.00 bucket of popcorn! If you just can’t pass up on the buttery popcorn, get one to share. It’s usually more than one person can eat anyway!

• Have a Picnic in the Park: The current generation doesn’t know much about picnics. With the convenience of fast foods, it’s easier just to drive thru and take it home. Plan a picnic with old-time simple favorites such as sandwiches, chips, apples, and cookies. It’s cheaper and healthier too. Be sure to take a blanket so you can lay down after lunch and watch the clouds roll by.

• Local Theater: Watch for theater productions from local high schools, colleges, and community centers. The ticket price is usually a few dollars, or free. Not only is the price right for your budget, but it supports the organizations that put on the plays.

Good Times at Home

• Family Game Night: Make some memories with the family by scheduling a family game night with your favorite board or card games. Try classics such as Monopoly, Sorry, Clue, and Scrabble. Find a pizza coupon, and order one with your family’s favorite toppings.

• Camping in the Backyard: Camping can actually get expensive. Between park fees, gasoline, and packing convenience foods, it all starts to add up. Plan a camping trip close to home, in the backyard. Grill up some hot dogs, and serve with chips, watermelon and lemonade. Then, get everyone together to pitch the tent and sit around and tell ghost stories. If you live in an area where you can have outdoor fires, make the experience extra special by making s’mores together. Yum!

• Get Active: Round-up your family and friends and plan a group sports activity. Couch potatoes are welcome too! Pick a sport that everyone can enjoy and participate in easily. Good ideas are kickball and wiffleball. Or, if you have kids, plan a neighborhood scavenger hunt. Have them use cameras or cell phones to capture their finds rather than bringing their treasures home.

As of August 2014, the average family’s household credit card debt is approximately $15,480. In part this debt can be attributed to regular entertainment spending and vacations. It’s not necessary to sink into debt to have fun. It’s time to step back and look for ways to enjoy friends and family while staying within your budget.

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Horizontal Refuse Storage Shed

Horizontal Refuse Storage Shed

The Horizontal Refuse Storage Shed is ideal for organizing trash cans and recycle bins and for keeping them neat and out-of-the-way. It is well-designed and highly functional. Plus, the floor-less bottom makes it easy to roll garbage cans and recycle bins in and out of the shed.

You can find this storage shed on the Great Canadian Rebates website. Click here to get it and to take advantage of the cash back rebates that we offer.

There are several benefits of these beautifully crafted and durable wooden sheds. For one, when the weather is bad the cans will be protected from rain, ice and snow and will not be knocked over by heavy winds. The lid is spring-loaded and will stand up independently, which makes it easy to open and close with one hand.

The shed doors and curved lid are both lockable, which is perfect for people who do not have a garage. It will protect garbage cans from animals that appear at night and knock over cans as they rummage through the garbage. It will also keep wildlife from scattering garbage all over the yard.

Another benefit of having an outdoor refuse shed is that they can be used for storage. The shed can be fitted with lockable shelves to keep items such as garden tools, hoses and power tools safe and secure.

This well-crafted storage shed is made from solid wood that has a weather resistant coating that will protect the shed from various environmental elements all year round. Plus, the curved lid helps prevent the buildup of ice and snow. The shed is also extremely durable and is fade, moisture and rust resistant.

In addition to their durability, these outdoor sheds are roomy and can hold various sized garbage cans and bins. They are also strongly built, functional and will add an elegant flair to any yard.

Horizontal Refuse Storage Sheds come with simple to follow instructions and are easy to assemble. The sheds are not overly expensive and can be shipped to any North American address.

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LG Black Blu-ray Burner SATA WH16NS40

LG Black Blu-ray Burner SATA WH16NS40

In the market, there are a number of popular Blue-ray burners that lots of people around the globe are opting to purchase because of their unique designs and feature innovations, but there is one Blu-ray burner that is causing a lot heads to turn for its high customer ratings, affordability, and innovation: Black Blu-ray Burner SATA WH16NS40 by LG.

Since 1947, the South Korean corporation LG, which was once formerly known as Lucky Goldstar, has been designing and manufacturing one of the most innovative electronics in the market. This corporation sells its products in over 80 countries. This brand’s sales seem to be augmenting more and more every year, as their creativity in high-tech devices is increasing at a fast pace and people and the media around the globe are noticing it.

This burner in particular has a buffer memory of 4 MB, weighs just 1.8 pounds, and can be used on Windows 7, Vista or XP. It can burn both Blu-ray and DVDs at a 16x speed. Some individuals are calling this device to be the best burner under $100 USD.

As one can tell, this device has a lot of pros, but it also has a con that might be irritating to some individuals. This particular model from LG can sometimes be a bit noisy when burning, but this type of noise that it makes is not loud enough to the point of being able to wake somebody up from their dreams.

This burner is one of the fastest in the market. It currently has dozens and dozens of positive reviews from people who have already purchased it and used it. For this matter, we strongly suggest this affordable device to anybody who is in search of a fast burner that lives up to its description. You can find it on the Great Canadian Rebates website. Click here to get it and to take advantage of the cash back rebates that we offer.

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Give the gift of service instead of trinkets

Whenever the holidays come around people usually purchase each other gifts. We often purchase things that people do not need and may not use. Instead of spending a lot of money on gifts that a person may not need or even like try giving the gift of service. This means giving your time and expertise to others instead of a tangible present.

There are some services that will be greatly appreciated. Couples with children need to get out now and enjoy being with each other. Going out is difficult especially for new parents. Instead of giving them a present offer to babysit for the evening. This is a gift the parents will appreciate more than anything else. Babysitter fees are not cheap anymore. Having someone they trust watch their child will be a big help and one of the best gifts that they received.

Another great gift of service to give someone is to offer to do yard work for them. Mowing the lawn can be time consuming for busy people. Offering to mow the lawn or rake the leaves is a great gift. This is something that will help save time and energy. Having professionals do the same services can cost a lot of money so getting it as a gift will be a big help.

When people go away they have to find someone to take care of their pets. Pet boarding can cost a lot of money and it is hard to trust a stranger to look after a pet. Offering to watch the pet while they are away is a great gift of service. Not only will a person save money on pet boarding but they know their pet will be well taken care of.

Cleaning the home is a hated chore for most people but is another great gift of service. Helping clear out the clutter and helping a person get organized is a great gift. Instead of purchasing a gift certificate to a maid service help them out by cleaning. This gift will make the receiver instantly happier.

Giving gifts of service will not only save money but are helpful as well. The gifts will be appreciated and needed much more than any items that come in a box.

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Motorola TX500 In-Car Bluetooth Speaker

Motorola TX500 In-Car Bluetooth Speaker

In-car Bluetooth speakers are taking the industry by storm with their innovative designs and technologies. The market offers endless options on these types of devices, but with so many options to choose from, confusion might evolve when trying to decide the one that is the best bet for one’s wallet and needs. At the moment, there is one in-car Bluetooth speaker in particular that is being the talk of the town for its high quality features and talk time: TX500 In-Car Bluetooth Speaker by Motorola.

Since 1928, the brand Motorola has been designing and manufacturing one of the most innovative high-tech devices in the market. The staff in this company strives to bring consumers the latest in technology, and their passion to provide the best of the best to costumers really shows when they present a new device to the public.

The TX500 In-Car Bluetooth Speaker, which only weighs 3.04 ounces, uses Bluetooth 2.1 technology, provides up to 45 hours of talk time, 6 months of standby time, one-mic audio that offers noise reduction, world class echo, and has the capability of connecting up to two phones. It features MultiPoint technology, which allows users to take calls from paired phones at the same moment. Every unit comes with car charger and quick start guide so that anybody can get started using this Bluetooth speaker in no time.

As one can tell, this model by Motorola has a handful of pros, but it also has an effect that might possibly cause a down fall for some individuals. When making a call, the voice of the person at the other end might sound different, which is totally normal, as this model has noise reduction; therefore, it makes voices sound clearer.

Currently, the TX500 In-Car Bluetooth Speaker by Motorola has a handful of positive reviews on various online sites where people are allowed to rate and review products. It is safe to state that this model from this giant brand totally lives up to the hype that surrounds it. You can find it on the Great Canadian Rebates website. Click here to get it and to take advantage of the cash back rebates that we offer.

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De-stress without spending money

People can get stressed out for a variety of reasons, such as work, school, family problems, financial issues, etc. Some people handle stress better than others and can relax very quickly afterwards, but some people have to use more effort to de-stress. Shopping or spending money on eating out or other activities are common ways that people de-stress. With the busy and stressful lives that many people lead, this can get quite expensive if it becomes habitual. Luckily, habits can be broken and spending money isn’t the only way to relieve yourself of everyday stresses.

If you get stressed out at work regularly, that could lead to excessive snacking. Not only is this unhealthy, but it can also be costly for the bank account. Instead, when you feel stressed and get the urge to snack, get up and walk around the office or go outside for a couple of minutes if you are able to. Sometimes getting out of the stressful environment for a few minutes can help you regroup and come back with a fresh mind. If walking around isn’t an option, then try putting your head down in your arms and closing your eyes for just a couple of minutes. This has a similar effect and could give you a clearer mind when you get back to working.

Not spending money is difficult for some people when they are stressed. Eating out or shopping is a common alternative, both of which cost money. Try to go for a walk, run or go to the gym when you’ve had a stressful day. Even if you don’t work out regularly, just focusing your attention on other people or the outdoors when you are walking can help get your mind off the daily stresses. Spending time by yourself is a great way to relieve stress because if you talk to someone, then you will likely talk about your day, which will lead to your stressful situations and make matters worse.

On the other hand, if you are part of a team or social club, this could be a great way to de-stress. Focusing your attention on other people or the environment is a natural de-stresser, but being around people that you have fun with is another way to forget about your stresses. If you are not a naturally outgoing person and being around people is just another thing that stresses you out, then meditating may be the way to go. Meditation can really help clear your mind and relax your body to the point that you feel like a new person and can handle any situation.

People handle stress differently so try different things until you figure out what is best for you. These are only a few ways to de-stress without spending money, but there are many other things you can do. Being stressed is bad enough, but you definitely don’t want bad spending habits to stress you out even more!

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