Capital · Credit Cards
Cash Back,
And Where It Stops.
Four cards on this site pay in money or convert to it. Three of them cap the accelerated rate, and on those the cap is the number that decides the card. The fourth publishes no cap at all. Every figure is off the issuer, read 6 September 2026.
Four cards published on this site pay cash back or convert points to cash: the Rogers Red World Elite, the Tangerine Money-Back World Mastercard, the CIBC Dividend Visa Infinite and the MBNA Rewards World Elite. Three carry an annual cap on the accelerated rate. Tangerine publishes none. Not advice.
4 Cards, Side By Side
Sorted by annual fee, cheapest first. Every figure is off the issuer, and every card name links to its own page.
| Card | Annual Fee | Purchases | Cash Advance | Foreign Fee | Income Test | The Headline Rate | The Cap |
|---|---|---|---|---|---|---|---|
| Rogers Red World Elite | $0 | 20.99% and 21.99%, both published | 22.99% | 2.5% | $80,000 personal or $150,000 household | 3% on US dollars, 2% with a Rogers service | $61,000 a year |
| Tangerine Money-Back World Mastercard | $0 | 20.95%, and 19.95% on one Tangerine page | 22.95% | 2.50% | $50,000 personal or $80,000 household | 2% in two categories, three with a savings account | None |
| MBNA Rewards World Elite | $120 | 21.99% | 22.99% | Not published for this card | $80,000 personal or $150,000 household | 5x on five categories | $50,000 per category, per calendar year |
| CIBC Dividend Visa Infinite | $120 | 21.99% | 22.99% | 2.5% | $60,000 personal or $100,000 household | 4% on gas, EV charging and groceries | $20,000 sub cap inside a $50,000 cap |
The Pages Behind The Table
Rogers Red World Elite
$0 a year. 3% on US dollars, 2% with a Rogers service. Cap: $61,000 a year.
Tangerine Money-Back World Mastercard
$0 a year. 2% in two categories, three with a savings account. Cap: none.
MBNA Rewards World Elite
$120 a year. 5x on five categories. Cap: $50,000 per category, per calendar year.
CIBC Dividend Visa Infinite
$120 a year. 4% on gas, EV charging and groceries. Cap: $20,000 sub cap inside a $50,000 cap.
Read the cap, not the headline. Three of these four stop somewhere between $20,000 and $61,000 of spend. The one that does not is also the one paying the lowest headline rate, which is the trade.
The Other Card Lists
Same standard on every one of them. Every figure off the issuer, every card linked to its own page.
Compare All Sixteen
Every card on this site, every published figure, side by side.
No Annual Fee
The 6 cards on this site that fit, ordered by annual fee.
Travel And Points
The 10 cards on this site that fit, ordered by annual fee.
Low Interest
The 3 cards on this site that fit, ordered by annual fee.
Business Cards
The 2 cards on this site that fit, ordered by annual fee.
Foreign Fees
The 3 cards on this site that fit, ordered by annual fee.
Common Questions
4 cards, every one of which has its own page on this site carrying the issuer wording behind each figure.
By annual fee, cheapest first. This is not a ranking. Ranking would require weighing the cards against a spending pattern, and this site does not have yours.
Each card’s own issuer page in Canada, read on 6 September 2026. No figure on any of these pages comes from a comparison site.
Probably. This list covers the cards written up on this site, each read off its issuer. A card with no page here is a card whose figures have not been read yet, not a card that failed a test.
A List Is Not
A Recommendation.
These are the cards on this site that meet the description, ordered by annual fee. Nothing here is advice.
Not financial advice.