Current 10% and Above Cash Back for November 2021

By | November 15, 2021


This is the last month for the record high 15% cash back offer with Tangerine’s 2 cards: Tangerine Money-Back Credit Card and Tangerine World MasterCard. Now the 10% cash back offers with Scotiabank and BMO seem less significant, but they are also expiring this month as well.

Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers if you wish to see a more complete list of cards, not just cards that offer at least 10% cash back.

Note that we have split up the list into temporary (limited time) and permanent offers (indefinite, but can end any time without notice).

Temporary 10% and above cash back offers for November 2021

These are companies that have or currently offer 10% cash back bonuses on their cards which specific start and end dates. So for this list, we listed the cards based on expiry dates of the promotion, by putting the most recent one on top.

Scotia Momentum Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply before November 21, 2021)
  • $50 annual fee for a supplementary cardholder
  • Earn 10% cash back on all purchase in the first 3 months or up to $2,000 in spending (apply before November 21, 2021)
  • Earn 4% cash back for every $1 spent on grocery purchases and recurring bill payments
  • Earn 2% cash back for every $1 spent on gas and daily transit
  • Earn 1% cash back for every $1 spent on all other purchases
  • Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management

Since the $120 annual fee is waived, the net maximum 10% cash back on all spending is $200 (10% x $2,000).

Tangerine Money-Back Credit Card

  • No annual fee
  • Earn 15% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before November 30, 2021)
  • Earn 2% cash back on choice of 2 categories (3rd choice if you deposit the cash back into your Tangerine Savings Account)
  • Earn 0.5% cash back on all other purchases

Since there is no annual fee, the total 10% cash back on all spending is $150 (15% x $1,000).

Tangerine World MasterCard

  • No annual fee
  • Earn 15% cash back on the first $1,000 in spending on all purchases or up to 2 months (apply before November 30, 2021)
  • Earn 2% cash back on choice of 2 categories (3rd choice if you deposit the cash back into your Tangerine Savings Account)
  • Earn 0.5% cash back on all other purchases
  • Receive Boingo Wi-Fi

Since there is no annual fee, the total 10% cash back on all spending is $150 (15% x $1,000).

BMO CashBack World Elite MasterCard

  • $120 annual fee (waived the first year if you apply before December 6, 2022)
  • Earn 10% cash back on all purchase in the first 3 months or up to $2,000 in spending (apply before December 6, 2022)
  • Earn 1.5% cash back on all purchases
  • Receive cash back: (1) direct deposit into a BMO chequing, savings or InvestorLine account; or (2) a statement credit
  • Redeem: (1) annually; (2) when a recurring amount has accumulated a minimum of $50 and in increments of $10; or (3) a one-time lump sum with a minimum of $50 and in increments of $10
  • Have at least $80,000 in personal annual income or $150,000 in annual household income

Since the $120 annual fee is waived, the net maximum 10% cash back on all spending is $200 (10% x $2,000).

Permanent 10% and above cash back offers for September 2021

Below are the companies who currently offer permanent 10% bonuses. Permanent also means that there is no end date on the offer, which also means that they can end the offer anytime without notice.

For this list, we have listed the credit cards in alphabetical order.

American Express SimplyCash Preferred Card

  • $99 annual fee
  • No annual fee for a supplementary cardholder
  • Earn 10% cash back on all purchases in the first 4 months or up to $4,000 on all purchases (whichever comes first)
  • Earn 2% cash back on all other purchases and when the 10% bonus ends

With a $99 annual fee, the net maximum 10% cash back on all spending is $301 (10% x $4,000 – $99).

  • No annual fee
  • Earn 10% cash back on restaurants and bars purchases on up to $500 in spending or within the first 4 months (whichever comes first)
  • Earn 4% cash back on restaurants and bars (after the bonus offer expires)
  • Earn 1.5% cash back on gas, groceries, drugstore purchases and pre-authorized payments
  • Earn 0.5% cash back on all other purchases
  • Have at least $15,000 in personal annual income

There is no annual fee, so the net maximum 10% cash back on restaurant and bars spending is $50 (10% x $500).

Also, note that we also have two other top monthly lists ongoing:

Did we miss any credit cards? Please let us know in the comment section below!


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