Present 10% and Above Money Again Affords for January 2022



On the starting of the month, we predicted that the money again market goes to warmth up this 12 months. So I’m anticipating to be very busy with updating this month-to-month submit this 12 months. To begin the 12 months off, the 2 Tangerine 15% money again presents finish this month, whereas Scotiabank has added its Momentum card to the checklist.

Remember the fact that we nonetheless have the High Money Again Credit score Playing cards web page, which incorporates everlasting and short-term presents in case you want to see a extra full checklist of playing cards, not simply playing cards that provide no less than 10% money again.

Word that we’ve cut up up the checklist into short-term (restricted time) and everlasting presents (indefinite, however can finish any time with out discover).

Short-term 10% and above money again presents

These are corporations that presently provide 10% money again bonuses with particular finish dates. We listed the playing cards based mostly on the expiry dates of the promotion by placing the latest one on prime.

Tangerine Cash-Again Credit score Card

  • No annual price
  • Earn 15% money again on the primary $1,000 in spending on all purchases or as much as 2 months (apply earlier than January 31, 2022)
  • Earn 2% money again on alternative of two classes (third alternative in case you deposit the money again into your Tangerine Financial savings Account)
  • Earn 0.5% money again on all different purchases

Since there isn’t a annual price, the whole 10% money again on all spending is $150 (15% x $1,000) within the first 12 months.

Tangerine World MasterCard

  • No annual price
  • Earn 15% money again on the primary $1,000 in spending on all purchases or as much as 2 months (apply earlier than January 31, 2022)
  • Earn 2% money again on alternative of two classes (third alternative in case you deposit the money again into your Tangerine Financial savings Account)
  • Earn 0.5% money again on all different purchases

Since there isn’t a annual price, the whole 10% money again on all spending is $150 (15% x $1,000) within the first 12 months.

Scotia Momentum Visa Infinite Card

  • $120 annual price (first 12 months price waived for making use of earlier than February 28, 2022)
  • $50 annual price for a supplementary cardholder
  • Earn 10% money again on all buy within the first 3 months or as much as $2,000 in spending (apply earlier than February 28, 2022)
  • Earn 4% money again for each $1 spent on grocery purchases and recurring invoice funds
  • Earn 2% money again for each $1 spent on gasoline and every day transit
  • Earn 1% money again for each $1 spent on all different purchases
  • Have no less than $60,000 in private annual earnings, $100,000 in annual family earnings or $250,000 in property underneath administration

For the reason that $120 annual price is waived, the web most 10% money again on all spending is $200 (10% x $2,000) within the first 12 months.

BMO CashBack World Elite MasterCard

  • $120 annual price (waived the primary 12 months for making use of earlier than December 6, 2022)
  • Earn 10% money again on all buy within the first 3 months or as much as $2,000 in spending (apply earlier than December 6, 2022)
  • Earn 1.5% money again on all purchases
  • Have no less than $80,000 in private annual earnings or $150,000 in annual family earnings

For the reason that $120 annual price is waived, the web most 10% money again on all spending is $200 (10% x $2,000) within the first 12 months.

Everlasting 10% and above money again presents

Under are the businesses who presently provide everlasting 10% bonuses. A everlasting provide implies that there isn’t a finish date on the promotion, nevertheless it additionally implies that it could possibly finish any time with out discover.

For this checklist, we’ve listed the bank cards in alphabetical order.

American Specific SimplyCash Most well-liked Card

  • $99 annual price
  • No annual price for a supplementary cardholder
  • Earn 10% money again on all purchases within the first 4 months or as much as $4,000 on all purchases (whichever comes first)
  • Earn 2% money again on all different purchases and when the ten% bonus ends

With a $99 annual price, the web most 10% money again on all spending is $301 (10% x $4,000 – $99) within the first 12 months.

  • No annual price
  • Earn 10% money again on eating places and bars purchases on as much as $500 in spending or inside the first 4 months (whichever comes first)
  • Earn 4% money again on eating places and bars (after the bonus provide expires)
  • Earn 1.5% money again on gasoline, groceries, drugstore purchases and pre-authorized funds
  • Earn 0.5% money again on all different purchases
  • Have no less than $15,000 in private annual earnings

There is no such thing as a annual price, so the web most 10% money again on restaurant and bars spending is $50 (10% x $500) within the first 12 months.

Additionally, notice that we even have two different prime month-to-month lists ongoing:

Did we miss any bank cards? Please tell us within the remark part beneath!


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