{"id":79364,"date":"2026-04-07T07:12:00","date_gmt":"2026-04-07T11:12:00","guid":{"rendered":"https:\/\/hardbacon.ca\/?post_type=product-page&#038;p=79364"},"modified":"2026-04-08T14:21:09","modified_gmt":"2026-04-08T18:21:09","slug":"best-cash-back-credit-cards-in-canada","status":"publish","type":"product-page","link":"https:\/\/hardbacon.ca\/en\/best-cash-back-credit-cards-in-canada\/","title":{"rendered":"Best Cash Back Credit Cards"},"content":{"rendered":"\n<section  class=\"section-p \">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h1 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Best Cash Back <span>Credit Cards<\/span> in Canada for 2026<\/h1>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Earning rewards should be simple. The right cash back credit card turns everyday spending on groceries, gas, dining, and bills into real savings you can use immediately.<\/p>\n<p>We compare Canadian cash back cards based on earn rates, fees, category limits, and first-year value so you can choose the one that fits your spending habits with clarity and confidence.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/?cc_ct%5B%5D=CASHBACK\" class=\"whitespace-nowrap button-link-base button-link-filled mt-8\" target=\"_self\">Compare Cash Back Credit Cards<\/a>\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/11\/credit-cards-illustration.svg\" class=\"w-full h-auto max-w-[600px] mx-auto rounded-sm\" alt=\"credit-cards-illustration\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n\n\n\n\t<div x-data=\"stickyTocByRange('.sticky-toc-start', '.sticky-toc-end', '!flex')\" :class=\"bannerClasses()\"  @click=\"$store.tocToggle = !$store.tocToggle\" class=\"hidden fixed top-5 lg:bottom-5 lg:top-auto right-5 border-1 border-white text-white rounded-sm bg-accent-green flex p-2 gap-1 cursor-pointer z-[999] shadow-(--shadow)\">\n\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/toc.BnfYFLp4.svg\" loading=\"lazy\" alt=\"Table of content\" class=\"w-3 h-auto\">\n\t\t<span class=\"text-xs\">Table of content<\/span>\n\t<\/div>\n\n\t\t<div x-data class=\"fixed top-0 bottom-0 right-0 z-[999] translate-x-full transition-transform duration-300 ease-out will-change-transform\" :class=\"$store.tocToggle &#038;&#038; '!translate-x-0'\" >\n\t\t<div class=\"relative bg-white h-full py-10 px-8 lg:px-20 flex flex-col justify-center shadow-(--shadow)\">\n\t\t\t<div class=\"flex justify-between items-center mb-10\">\n\t\t\t\t<span class=\"font-medium\">Table of content<\/span>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" loading=\"lazy\" alt=\"Close\" class=\"block p-2 w-12 h-auto cursor-pointer\" @click=\"$store.tocToggle = !$store.tocToggle\">\n\t\t\t<\/div>\n\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_1\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Overall<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_2\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best No-Fee<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_3\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best for Gas &#038; Groceries<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_4\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best for Students &#038; New Immigrants<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_5\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Premium<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_6\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Cashback Credit Cards Basics<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_7\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Types of Cashback Credit Cards<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_8\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Annual Fee Vs No Fee<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_9\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Key Factors<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_10\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Common Mistakes to Avoid<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_11\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Canadian-Specific Considerations<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_12\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">How to Maximize Earnings<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_13\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">FAQs<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<section  class=\" relative overflow-hidden section-p\">\n\t<div class=\"container\">\n\t\t\t\t\t<header class=\"section-head-center mb-21 lg:mb-36\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-7\">Top Cash Back Credit Cards in Canada: <span>Quick Overview<\/span><\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div>\n\t\t\t<div x-data=\"horizontalScrollShadows\" x-init><div x-ref=\"scroller\" @scroll.passive=\"onScroll\" class=\"overflow-x-auto\"><table class=\"simple-table\"><caption class=\"sr-only\">Quick overview of the best cash back credit cards<\/caption><thead><tr><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Category<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>First year value<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Score<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Winner<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Card<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Learn more<\/span>\n                <\/span>\n            <\/th><\/tr><\/thead><tbody><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best Overall<\/th><td>$846<\/td><td>4.8<\/td><td>CIBC Dividend Visa Infinite Card<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f3432a892ec22115033b2fc_card\" alt=\"CIBC Dividend Visa Infinite Card\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_1\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/cibc\/cibc-dividend-visa-infinite-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Best No-Fee<\/th><td>$540<\/td><td>4.5<\/td><td>Rogers Red World Elite Mastercard<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f9043f69499f16c55a7c5c0_card\" alt=\"Rogers Red World Elite Mastercard\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_2\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/rogers-bank\/rogers-world-elite-mastercard\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best for Gas &amp; Groceries<\/th><td>$433<\/td><td>4.4<\/td><td>Tangerine Money-Back Credit Card<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f34494292ec22115033b302_card\" alt=\"Tangerine Money-Back Credit Card\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_3\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/tangerine\/money-back-credit-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Best for Students &amp; New Immigrants<\/th><td>$757<\/td><td>4.3<\/td><td>Simplii Financial Cash back VISA* Card<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/61a1344886fe7e29f7ee241c_card\" alt=\"Simplii Financial Cash back VISA* Card\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_4\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/simplii\/simplii-financial-cash-back-visa-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best Premium<\/th><td>$582<\/td><td>4.5<\/td><td>BMO CashBack\u00ae World Elite\u00ae* Mastercard\u00ae*<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31593392ec22115033b2b6_card\" alt=\"BMO CashBack\u00ae World Elite\u00ae* Mastercard\u00ae*\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_5\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/bmo\/bmo-cashback-world-elite-mastercard\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_1\" class=\"sticky-cta-start sticky-toc-start bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\"><span>Best Overall<\/span> Cash Back Card<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>For most Canadians, the \u201cbest overall\u201d cash back card is the one that hits the biggest everyday expenses \u2014 gas, groceries, dining \u2014 without adding complexity.<\/p>\n<p>Cards in this category tend to offer strong earn rates where families spend the most, useful welcome bonuses, and a fee structure that pays for itself quickly.<\/p>\n<p>It\u2019s the sweet spot between value, simplicity, and broad usefulness.<\/p>\n<h3>Methodology<\/h3>\n<p>We ranked the top overall cash back card by evaluating earn rates in essential categories, first-year value, and long-term return after fees.<\/p>\n<h3>Winner: CIBC Dividend\u00ae Visa Infinite<\/h3>\n<p>The CIBC Dividend Visa Infinite ranks as Canada\u2019s best overall cash back card for its balanced category mix, 4% on gas and groceries, 2% on dining and transit, and 1% elsewhere.<\/p>\n<p>It includes a first-year fee rebate valued at $120 and a welcome bonus of up to $300 cash back (consisting of up to $250 for meeting spending requirements in the first 4 months, plus $50 for setting up a pre-authorized payment).<\/p>\n<p>Cash back can be redeemed through CIBC Online or Mobile Banking once your balance reaches ten dollars, and the card includes Visa Infinite purchase assurance, extended warranty, and rental car coverage.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Overall<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">CIBC Dividend Visa Infinite Card<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f3432a892ec22115033b2fc_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn cash back across major everyday categories including gas, groceries, dining, and transit. Rewards are applied as statement credits, and the first-year fee rebate increases overall value for new cardholders.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$846<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-5f3432a892ec22115033b2fc')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$726<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-5f3432a892ec22115033b2fc')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $120<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"font-light\">(First year rebated)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>21.99% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on cash advance<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: 21.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on balance transfer<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: 21.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Strong everyday earn rates, a fee rebate, and a welcome bonus deliver excellent first-year value for most Canadian households.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Families with significant gas and grocery spending who prefer a traditional bank card.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You prefer a no-fee structure or spend outside core bonus categories.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>BMO CashBack World Elite Mastercard:<\/em> 5% on groceries (capped) with anytime redemptions.<\/li>\n<li><em>Tangerine Money-Back Mastercard:<\/em> Custom 2% categories and no annual fee.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/cibc\/cibc-dividend-visa-infinite-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \" >Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/www.cibc.com\/en\/personal-banking\/credit-cards\/all-credit-cards\/dividend-visa-infinite-card.html\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-5f3432a892ec22115033b2fc'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f3432a892ec22115033b2fc_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">CIBC Dividend Visa Infinite Card &#8211; CIBC<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$846<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$240<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$288<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$240<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$846<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-5f3432a892ec22115033b2fc'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f3432a892ec22115033b2fc_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">CIBC Dividend Visa Infinite Card &#8211; CIBC<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$846<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$240<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$288<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$240<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$120<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$726<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_2\" class=\" bg-white relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>No-Fee<\/span> Cash Back Card<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>If you want rewards without ever worrying about whether you\u2019re \u201cearning enough to offset the annual fee,\u201d no-fee cash back cards are where simplicity and convenience meet.<\/p>\n<p>These cards often deliver solid flat-rate earning or unique bonus structures\u2014without costing a penny to keep in your wallet year after year.<\/p>\n<h3>Methodology<\/h3>\n<p>We compared no-fee cash back cards based on ongoing earn rates, redemption flexibility, welcome offers, and ease of everyday use.<\/p>\n<h3>Winner: Rogers World Elite\u00ae Mastercard<\/h3>\n<p>The no-fee Rogers Red World Elite Mastercard earns 3% cash back on U.S.-dollar purchases and 2% on all other purchases for customers with an active Rogers, Fido, Shaw, or Comwave service.<\/p>\n<p>All other users earn 1.5% cash back. Rewards can be redeemed at 1.5\u00d7 value toward eligible Rogers purchases, with a $10 minimum redemption.<\/p>\n<p>Cash back is automatically applied as a statement credit once the balance reaches $20, and the enhanced USD earn rate helps offset foreign exchange costs.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best No-Fee<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">Rogers Red World Elite Mastercard<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f9043f69499f16c55a7c5c0_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn cash back on every purchase with elevated rewards for Rogers customers and strong base rates for all cardholders. Redemptions are applied as statement credits, and the no-fee structure makes ongoing rewards easy to maintain.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$540<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-5f9043f69499f16c55a7c5c0')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$540<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-5f9043f69499f16c55a7c5c0')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $0<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>20.99% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>High flat-rate earnings and no annual fee make it one of the most rewarding simple cash back cards in Canada.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Frequent USD purchasers, flat-rate seekers, and Rogers customers.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You rarely spend in USD or want higher category multipliers.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Tangerine Money-Back Mastercard:<\/em> No fee with 2% custom categories.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/rogers-bank\/rogers-world-elite-mastercard\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/650ca515dc0410001b2e64a4\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-5f9043f69499f16c55a7c5c0'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f9043f69499f16c55a7c5c0_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Rogers Red World Elite Mastercard &#8211; Rogers Bank<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$540<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$24<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$144<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$132<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$540<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-5f9043f69499f16c55a7c5c0'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f9043f69499f16c55a7c5c0_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Rogers Red World Elite Mastercard &#8211; Rogers Bank<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$540<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$24<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$144<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$132<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$540<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_3\" class=\" bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best for <span>Gas<\/span> &#038; <span>Groceries<\/span><\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>Gas and groceries are two of the biggest spending categories for most households, so cards built specifically to maximize those purchases can generate meaningful savings fast.<\/p>\n<p>This category highlights cards that push earn rates to the highest levels\u2014sometimes 4\u20135% or more\u2014while staying easy to manage.<\/p>\n<h3>Methodology<\/h3>\n<p>We ranked the best gas &amp; grocery cash back cards by focusing on top-tier earn rates, merchant acceptance, category flexibility, and reliability of coding.<\/p>\n<h3>Winner: Tangerine Money-Back Mastercard<\/h3>\n<p>The Tangerine Money-Back Mastercard lets you choose two 2% money-back categories, or three categories if you deposit rewards to a Tangerine Savings Account.<\/p>\n<p>All other purchases earn 0.5% cash back, and rewards are paid monthly as a statement credit or deposited to your savings account.<\/p>\n<p>Categories can be updated every 90 days to match seasonal spending, giving cardholders flexibility unmatched by most competitors.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best for Gas &#038; Groceries<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">Tangerine Money-Back Credit Card<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f34494292ec22115033b302_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn cash back in customizable categories, with the option to add a third 2 percent category when rewards are deposited into a Tangerine Savings Account. Cash back is paid monthly as a statement credit, offering simple and flexible everyday value.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid grid-cols-2 lg:grid-cols-3 gap-4\">\n\t\t\t\t\t<div class=\"relative col-span-2 lg:col-span-1 bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$433<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-5f34494292ec22115033b302')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Welcome bonus<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-xl\">Up to $100<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$333<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-5f34494292ec22115033b302')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $0<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>20.95% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.95% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.95% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Flexible category selection and monthly redemptions offer strong control and easy cash flow benefits at zero cost.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Budget-minded users who want to focus rewards on their largest expenses.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You consistently spend in more than three high-earning categories.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>CIBC Dividend Visa Infinite:<\/em> 4% on gas and groceries with first-year fee rebate.<\/li>\n<li><em>BMO CashBack Mastercard:<\/em> 3% on groceries, no fee, unlimited redemptions.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/tangerine\/money-back-credit-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/y2LWoWjmP\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-5f34494292ec22115033b302'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f34494292ec22115033b302_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Tangerine Money-Back Credit Card &#8211; Tangerine<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$433<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$6<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$30<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$244<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$33<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$433<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-5f34494292ec22115033b302'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f34494292ec22115033b302_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Tangerine Money-Back Credit Card &#8211; Tangerine<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$333<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$6<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$30<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$144<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$33<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$333<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_4\" class=\" bg-white relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best for <span>Students<\/span> &#038; <span>New Immigrants<\/span><\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>Students and newcomers often need a card that offers <strong>real rewards<\/strong> without strict income requirements or long credit histories.<\/p>\n<p>Cards in this category are designed to be accessible while still delivering meaningful cash back on everyday spending like dining, transit, and groceries.<\/p>\n<h3>Methodology<\/h3>\n<p>We evaluated student and newcomer cash back cards by looking at accessibility, low income requirements, entry-level approval odds, and high-value everyday categories.<\/p>\n<h3>Winner: Simplii Financial Cash Back Visa<\/h3>\n<p>The Simplii Financial Cash Back Visa offers 4% on restaurants and bars, 1.5% on gas and groceries, and 0.5% elsewhere, all with no annual fee.<\/p>\n<p>A minimum $15,000 income makes it accessible to those building credit, and cash back applies automatically as a statement credit when the balance reaches $25.<\/p>\n<p>This card provides strong value in categories where younger Canadians spend most, while helping new users establish positive credit history.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best for Students &#038; New Immigrants<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">Simplii Financial Cash back VISA* Card<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/61a1344886fe7e29f7ee241c_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn cash back on everyday spending with higher rewards on dining, groceries, and gas. With no annual fee and automatic statement credit redemptions, this card provides straightforward value for those building their credit history.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$757<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-61a1344886fe7e29f7ee241c')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$657<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-61a1344886fe7e29f7ee241c')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $0<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>21.99% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>High earn rates on dining and groceries with easy approval and no fee make it ideal for entry-level users.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Students, newcomers, or those building credit with everyday spending.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You already qualify for premium cards with higher multipliers.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Neo Secured Mastercard:<\/em> Credit-builder option with up to 5% merchant rewards.<\/li>\n<li><em>Tangerine Money-Back Mastercard:<\/em> Flexible 2% categories and no income requirement.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/simplii\/simplii-financial-cash-back-visa-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/692f452ae85b72a08cf5f504\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-61a1344886fe7e29f7ee241c'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/61a1344886fe7e29f7ee241c_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Simplii Financial Cash back VISA* Card &#8211; Simplii Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$757<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$6<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$135.45<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$342.55<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$240<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$33<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$757<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-61a1344886fe7e29f7ee241c'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/61a1344886fe7e29f7ee241c_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Simplii Financial Cash back VISA* Card &#8211; Simplii Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$657<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$6<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$90<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$288<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$240<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$33<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$657<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_5\" class=\" bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>Premium<\/span> Cash Back Credit Card<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>The premium cash back category highlights credit cards that offer higher earn rates, stronger benefits, and more flexible rewards than standard options.<\/p>\n<p>This level of card is built for Canadians with higher monthly spending who want elevated perks such as enhanced insurance, top-tier category multipliers, and low-friction redemption rules.<\/p>\n<p>The goal is simple: deliver enough value through rewards and benefits to comfortably justify the annual fee. Only one card stands out as the strongest overall choice in this segment.<\/p>\n<h3>Winner: BMO CashBack\u00ae World Elite\u00ae Mastercard<\/h3>\n<p>With earn rates of 5% on groceries (first $500 per statement), 4% on transit (first $300), 3% on gas and EV charging (first $300), 2% on recurring bills (first $500), and 1% on everything else, the BMO CashBack World Elite Mastercard is a strong premium pick.<\/p>\n<p>You can redeem any time from $1, and an income of $80,000 personal or $150,000 household is required.<\/p>\n<p>Cash back can be redeemed at any time, starting at just $1, providing flexibility that fits day-to-day budgeting needs.<\/p>\n<p>The card comes with comprehensive travel and purchase insurance, extended warranty, and rental car protection, making it one of the most complete premium cash back options available.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Premium<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">BMO CashBack\u00ae World Elite\u00ae* Mastercard\u00ae*<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31593392ec22115033b2b6_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn elevated cash back on groceries, gas, transit, and recurring bills, with flexible redemptions starting at one dollar. Premium insurance benefits and higher earn rates deliver strong day-to-day value for cardholders who meet the income requirements.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$582<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-5f31593392ec22115033b2b6')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$462<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-5f31593392ec22115033b2b6')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $120<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"font-light\">(First year rebated)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>21.99% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>23.99% <span class=\"font-light\">on cash advance<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: 21.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t\t<span>23.99% <span class=\"font-light\">on balance transfer<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: 21.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Top-tier earn rates on groceries and gas, flexible redemptions, and strong insurance benefits deliver outstanding overall value for premium users.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Households with high grocery and fuel spending who want to maximize returns on essential purchases.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You prefer a no-fee option or spend less in grocery and gas categories.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>CIBC Dividend Visa Infinite:<\/em> 4% on gas and groceries, up to $300 welcome bonus, first-year fee rebate.<\/li>\n<li><em>Rogers World Elite Mastercard:<\/em> No annual fee, 2% flat rate, 3% on USD purchases.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/bmo\/bmo-cashback-world-elite-mastercard\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/2-cashback-offers\/?ecid=af-US33262CC4-SJBMO15&#038;utm_source=BMOMastercard-AffiliateTracking&#038;utm_medium=Hardbacon&#038;utm_campaign=Hardbacon_1x1_EN_CPA_PROS_IN-MARKETSEGMENT_ROS_FINANCEANDINVESTMENTS_ALL_CBWE_10-CASHBACK_December2020&#038;utm_content=CC_CBWE_1x1_120AnnualFee_EN_5-CASHBACK_APPLYNOW\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-5f31593392ec22115033b2b6'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31593392ec22115033b2b6_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">BMO CashBack\u00ae World Elite\u00ae* Mastercard\u00ae* &#8211; BMO<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$582<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$132<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$312<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$582<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-5f31593392ec22115033b2b6'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31593392ec22115033b2b6_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">BMO CashBack\u00ae World Elite\u00ae* Mastercard\u00ae* &#8211; BMO<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$582<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$132<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$312<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$120<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$462<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section class=\" bg-surface-pink py-8 shadow-(--shadow)\">\n\t<div class=\"container-wide flex items-center gap-5\">\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-150x150.webp\" width=\"80\" height=\"80\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-300x300.webp 2x\" alt=\"Mathieu Laliberte-Robert\" class=\"avatar avatar-80 wp-user-avatar wp-user-avatar-80 alignnone photo rounded-full\" \/>\t\t<div class=\"flex flex-col gap-1 text-sm\">\n\t\t\t<span>Written by <strong>Mathieu Laliberte-Robert<\/strong><\/span>\n\t\t\t<span>Updated on <strong>April 8, 2026<\/strong><\/span>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_6\" class=\" section-p rounded\">\n\t<div class=\"container\">\n\t\t\t\t<header class=\"section-head-center\">\n\t\t\t<h2 class=\"capitalize tracking-[-2px] mb-20\"><span>Understanding<\/span> Cashback Credit Cards in Canada<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"bg-surface-blue py-11 px-9 lg:p-20 rounded prose prose-primary max-w-[var(--section-head-w)] mx-auto\">\n\t\t\t<p>Cash back credit cards operate on a simple principle: you earn a percentage of your spending back as cash rewards.<\/p>\n<p>For every dollar you spend on eligible purchases, you receive between 1% and 5% back, typically credited to your credit card account as a statement credit or deposited directly into your bank account.<\/p>\n<p>The Canadian market features several distinct earning structures that affect how much cash you can earn:<\/p>\n<p><strong>Flat-rate cashback<\/strong> provides a consistent percentage on all spending.<\/p>\n<p>For example, earning 2% on every purchase regardless of category.<\/p>\n<p>This structure offers simplicity and predictability, making it easy to calculate your potential annual rewards.<\/p>\n<p><strong>Category-based cashback<\/strong> offers higher rates on specific spending categories like grocery store purchases, gas, dining, or recurring bill payments, with a lower base rate for other purchases.<\/p>\n<p>Many cards earn 3-5% on bonus categories and 0.5-1% on everything else.<\/p>\n<p><strong>Tiered rewards<\/strong> structures combine elements of both, often providing increasing rates based on annual spending thresholds or offering different rates across multiple categories without caps.<\/p>\n<p>Redemption methods in Canada typically include automatic statement credits applied monthly or annually, direct deposits to your linked savings account, or physical cheques mailed to your address.<\/p>\n<p>Most cards have minimum redemption thresholds ranging from $25 to $50, though some offer instant cash redemption through mobile banking apps.<\/p>\n<p>Unlike points-based rewards that can fluctuate in value, cash back rewards provide guaranteed value that\u2019s immediately useful for reducing your credit card balance or increasing your monthly cash flow.<\/p>\n<p>This transparency makes cashback particularly appealing to Canadian consumers who prefer straightforward value over complex redemption strategies.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_7\" class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Types<\/span> of Cashback Credit Cards Available to Canadians<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Understanding the different types of cashback structures helps you select the right card for your spending habits and maximize your annual rewards potential.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([0])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Flat-Rate Cashback Cards<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Flat-rate cashback cards offer the same earn rate on every eligible purchase, usually between 1% and 2.5%. They are ideal for simplicity-seekers who prefer not to track categories or spending caps. The <strong>Rogers Red World Elite Mastercard<\/strong> is a great example, providing 2% cash back on all purchases and steady value for diverse spending.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Category-Specific Cards<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>These cards reward you more for certain types of purchases, such as groceries, gas, dining, or recurring bills, while offering lower rates on other spending. The <strong>CIBC Dividend Visa Infinite<\/strong> is a top choice for families, offering 4% cash back on gas and groceries, which makes it especially valuable for households with higher monthly essentials spending.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Rotating Category Cards<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Rotating cards change their bonus categories every quarter. They can deliver strong rewards but require more active management to maximize returns. Although common in the United States, this model is less frequent in Canada and typically appears through seasonal or limited-time promotions.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Flexible Category Cards<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Flexible cards let you choose your own bonus categories from a preset list. The <strong>Tangerine Money-Back Card<\/strong> allows up to three categories earning 2% cash back, giving cardholders more control to match rewards with their personal spending habits.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"anchor_8\" class=\" section-p rounded\">\n\t<div class=\"container\">\n\t\t\t\t<header class=\"section-head-center\">\n\t\t\t<h2 class=\"capitalize tracking-[-2px] mb-20\">Annual Fee <span>vs<\/span> No-Fee Cashback Cards<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"bg-surface-blue py-11 px-9 lg:p-20 rounded prose prose-primary max-w-[var(--section-head-w)] mx-auto\">\n\t\t\t<p>The choice between annual fee and no fee cash back credit cards represents a fundamental trade-off between upfront costs and earning potential.<\/p>\n<p>Understanding the mathematics behind this decision helps optimize your wallet strategy.<\/p>\n<p><strong>No-fee cashback cards<\/strong> eliminate the annual cost barrier, making them accessible to all income levels and spending amounts.<\/p>\n<p>Cards like the Tangerine Money-Back and Rogers Red offer competitive earning rates without annual fees, but typically provide lower maximum rates than premium alternatives.<\/p>\n<p>These cards work particularly well for:<\/p>\n<ul>\n<li>New credit users building their credit history<\/li>\n<li>Lower-income households wanting guaranteed value<\/li>\n<li>Secondary cards in a multi-card strategy<\/li>\n<li>Consumers who prefer simplicity over optimization<\/li>\n<\/ul>\n<p><strong>Annual fee cards<\/strong> typically range from $99 to $150 in Canada but offer higher earning rates and additional benefits like extended warranty, purchase protection, and travel insurance.<\/p>\n<p>The key calculation involves determining your break-even point:<\/p>\n<p><strong>Break-even formula:<\/strong> Annual fee \u00f7 (Enhanced rate &#8211; Base rate) = Required spending<\/p>\n<p>For example, if a $120 annual fee card offers 4% on groceries versus 1% on a no-fee card, you need $4,000 in annual grocery spending to justify the fee ($120 \u00f7 3% = $4,000).<\/p>\n<p>Premium cards become increasingly valuable as spending increases, particularly when welcome bonuses and first-year fee waivers provide immediate returns.<\/p>\n<p>The CIBC Dividend Visa Infinite\u2019s up to $300 welcome bonus (including bonuses for both spending and setting up pre-authorized payments) and first-year fee rebate create positive value before considering ongoing earnings.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_9\" class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Key Factors<\/span> When Choosing a Cashback Card in Canada<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Choosing the right cashback credit card means matching your income, credit profile, and spending habits to the card\u2019s rewards and features. These key factors help ensure the card delivers real value rather than added costs.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([0])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Income and Credit Score Requirements<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Premium cards like World Elite Mastercard and Visa Infinite require higher income and strong credit scores for approval. Standard cards have lower thresholds, making them more accessible to Canadians building credit or managing modest budgets.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Spending Patterns<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Track your monthly spending on groceries, gas, dining, and recurring bills to identify where you spend most. Choosing a card that rewards your highest categories ensures steady cashback accumulation throughout the year.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Category Caps and Earn Rates<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Many cashback cards set monthly or annual limits on bonus categories that affect your total earnings. Understanding these caps helps you select a card that fits your regular spending volume.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Annual Fee vs. Reward Potential<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Calculate whether your yearly rewards outweigh the annual fee by comparing typical spending to the card\u2019s earn rates. Premium cards can offer higher returns, but only if you spend enough to offset the cost.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(4)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Supplementary Benefits<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(4)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(4)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(4)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Extended warranty, purchase protection, and mobile device insurance can add hundreds in value each year. For frequent travelers, car rental and travel coverage can provide additional savings and peace of mind.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(5)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Foreign Transaction Fees<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(5)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(5)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(5)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Businesses or individuals who make frequent international purchases should consider cards with no foreign exchange fees. These savings can add up quickly for online shopping or cross-border travel.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(6)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Redemption Flexibility<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(6)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(6)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(6)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Some cards apply cashback automatically as statement credits, while others allow deposits or transfers to linked accounts. Flexible redemption options give you better control over how rewards support your financial goals.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n\n<section id=\"anchor_10\" class=\" section-p\">\n\t<div class=\"container-wide section-p rounded xl:bg-surface-green\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Common <span>Mistakes<\/span> to Avoid<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Even experienced credit card users make costly errors that reduce or eliminate cashback value. Understanding these pitfalls helps maintain profitable reward earning strategies.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ol class=\"bg-surface-green rounded p-7 py-12 lg:px-10 lg:py-14 xl:pb-0 grid lg:max-w-[var(--container-default-2xl)] lg:mx-auto lg:grid-cols-2 auto-rows-auto gap-x-20 gap-y-16 xl:gap-y-20 xl:gap-x-32\">\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">01<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Paying Annual Fees Without Enough Use<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>If your extra earnings don\u2019t exceed the annual fee by at least $50 to $100, a no-fee cashback card is the smarter choice. Always compare your actual spending and reward return before renewing a premium card.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">02<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Carrying a Balance<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Interest rates of 19.99% to 22.99% can quickly cancel out months of cashback earnings. Paying your balance in full every month ensures your rewards remain genuine savings rather than offsetting debt costs.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">03<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Ignoring Spending Caps<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Some cards limit bonus-category spending each month, after which rewards drop to base rates. Tracking these limits helps you maximize your cashback without wasting potential on lower earn rates.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">04<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Choosing Cards Out of Brand Loyalty<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Selecting a card solely from your main bank can lead to weaker rewards and fewer benefits. Comparing across issuers ensures you find the best match for your spending habits, not just your existing accounts.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">05<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Missing Welcome Bonuses<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Failing to meet minimum spending requirements or overlooking first-year offers can cost you hundreds in lost value. Time major purchases strategically to capture full welcome bonus potential.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">06<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Misunderstanding Merchant Categories<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Not all merchants code as expected, causing missed bonus rewards. Check how your card defines categories like groceries, gas, or warehouse stores to avoid surprises on your statements.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_11\" class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Canadian-Specific <span>Considerations<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Canada\u2019s financial environment and regional differences play a major role in how cashback credit cards perform. Understanding these factors helps you choose a card that fits both national regulations and your everyday spending habits.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([0])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Provincial and Federal Regulations<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>The federal government enforces strict transparency rules on fees, rates, and reward changes under the Bank Act, helping protect consumers from hidden costs. Quebec residents face additional rules enforced by the Office de la protection du consommateur (OPC), which can limit eligibility for some promotions or card offers.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Interchange Fees and Open Banking<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Ongoing discussions about lowering interchange fees may influence future reward program generosity, as reduced merchant fees can shrink cashback margins. Open banking initiatives in development could eventually enable more integrated financial tools and new ways to earn or redeem rewards.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Currency and Cross-Border Spending<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Foreign transactions typically add a 2.5% conversion fee in Canada, so factor that into your cash back. Cards with no FX fees or enhanced USD earning rates, like the Rogers Red, help maintain positive returns for cross-border or online shopping.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Regional Acceptance and Network Differences<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Card network acceptance varies across Canada, influencing where you can earn rewards. Visa and Mastercard provide near-universal usability, while American Express offers strong benefits but limited acceptance in smaller businesses and rural regions.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n\n<section id=\"anchor_12\" class=\" section-p\">\n\t<div class=\"container-wide section-p rounded xl:bg-surface-green\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Strategies to <span>Maximize<\/span> Cashback Earnings<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Maximizing cashback rewards goes beyond simply choosing the right card. Applying strategic techniques can help you earn more on regular spending without adding unnecessary complexity.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ol class=\"bg-surface-green rounded p-7 py-12 lg:px-10 lg:py-14 xl:pb-0 grid lg:max-w-[var(--container-default-2xl)] lg:mx-auto lg:grid-cols-2 auto-rows-auto gap-x-20 gap-y-16 xl:gap-y-20 xl:gap-x-32\">\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">01<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Welcome Bonus Optimization<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Welcome bonuses often deliver the highest short-term value, making timing essential. Plan large purchases like travel or insurance payments right after opening a new card to meet minimum spend requirements and secure full bonus value.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">02<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Application Timing<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Space out new applications by three to six months to protect your credit score. Coordinating card openings with natural spending peaks, such as holidays or home upgrades, ensures you qualify for bonuses without overspending.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">03<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Multi-Card Strategy<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Using two or more cashback cards can fill category gaps and boost total rewards. Pair a high-earning category card with a flat-rate option to maximize returns while keeping your setup manageable.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">04<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Fee Optimization<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Combine a premium card for top-tier earn rates with a no-fee card for everyday purchases. This approach captures higher-value rewards where they matter most while avoiding unnecessary annual costs.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">05<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Seasonal Spending Adjustments<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Adjust card usage as your expenses change throughout the year. Holiday shopping, summer travel, or back-to-school spending can each align with specific card bonuses for better returns.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">06<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Gift Card and Bill Payment Tactics<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Buying gift cards at grocery stores can extend grocery category rewards to other retailers. Routing recurring bills, subscriptions, or eligible services through cashback cards creates consistent, low-effort earnings.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_13\" class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Frequently Asked Questions<\/span> about Cashback Credit Cards in Canada<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([0])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">How much cashback can I realistically earn per year?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Recent surveys show average monthly credit card spend around 1,300 to 1,550 dollars. At a 1.5% flat rate that is roughly $235 to $280 a year. With a two-card setup that targets groceries and gas, many households can reach about $400 to $700 a year.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Are cashback cards better than points cards in Canada?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Cashback cards offer superior value for most Canadian consumers due to guaranteed value, simplicity, and immediate utility.<\/p>\n<p>Cashback advantages include transparent 1:1 value ratios, no redemption restrictions, and automatic optimization without complex award charts. Cash back rewards never expire or devalue due to program changes.<\/p>\n<p>Points cards may excel for frequent travelers who can achieve outsized value through strategic redemptions, particularly for international premium cabin flights. However, these scenarios apply to fewer than 10% of Canadian cardholders.<\/p>\n<p><strong>Cashback wins for:<\/strong> simplicity preference, guaranteed value seeking, non-travelers, and users wanting automatic optimization without active management.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">How do I redeem cashback rewards?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Most Canadian cash back cards offer multiple redemption options designed for convenience and flexibility.<\/p>\n<p><strong>Automatic statement credits<\/strong> represent the most common redemption method, applying rewards monthly or annually to reduce your credit card balance. This approach requires no action from cardholders and provides immediate value.<\/p>\n<p><strong>Direct deposits<\/strong> to linked bank accounts or savings accounts provide cash access rather than credit balance reduction. Tangerine offers seamless transfers to Tangerine savings accounts, while other issuers may require manual redemption requests.<\/p>\n<p><strong>Minimum thresholds<\/strong> typically range from $25-50 before redemption becomes available, though some cards offer instant redemption through mobile banking applications.<\/p>\n<p><strong>Tax implications:<\/strong> Cash back rewards are not considered taxable income in Canada, making them more valuable than cash bonuses or employment income on an after-tax basis.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Can I get approved for multiple cashback cards?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Most Canadians can successfully maintain multiple cashback cards with proper application timing and credit management.<\/p>\n<p><strong>Credit score impact<\/strong> from multiple applications typically ranges from 5-10 points per hard inquiry, with effects diminishing over 12-24 months. Spacing applications 3-6 months apart minimizes cumulative impacts.<\/p>\n<p><strong>Available credit<\/strong> increases from multiple card approvals can actually improve credit utilization ratios when managed responsibly, potentially boosting credit scores over time.<\/p>\n<p><strong>Income verification<\/strong> may become more stringent with multiple applications, particularly for premium cards requiring high income thresholds. Ensure your reported income can support multiple premium card applications.<\/p>\n<p><strong>Management complexity<\/strong> increases with multiple cards, requiring attention to different billing cycles, annual fees, and category structures. Successful multi-card users typically limit themselves to 2-4 active cashback cards to maintain manageable oversight.<\/p>\n<p><strong>Optimal strategy<\/strong> involves starting with one strong card, optimizing usage for 6-12 months, then adding complementary cards that fill category gaps or provide enhanced value in specific spending areas.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n<section  class=\"section-p sticky-cta-start sticky-toc-end\">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Final <span>Thoughts<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Canada\u2019s cashback credit card market offers excellent potential for those who align card features with their everyday spending habits.<\/p>\n<p>Canadians who choose wisely and use their cards strategically can turn routine purchases into meaningful annual rewards.<\/p>\n<p>Track your expenses, choose one card that matches your key spending categories, and learn its reward structure before expanding your lineup.<\/p>\n<p>A focused, consistent approach delivers stronger results than chasing multiple short-term offers.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/?cc_ct%5B%5D=CASHBACK\" class=\"whitespace-nowrap button-link-base button-link-filled mt-8\" target=\"_self\">Compare Cash Back Credit Cards<\/a>\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/11\/credit-cards-illustration.svg\" class=\"w-full h-auto max-w-[600px] mx-auto rounded-sm\" alt=\"credit-cards-illustration\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n<section class=\" section-p\">\n\t<div class=\"container-wide bg-surface-pink relative section-p px-5 sm:px-10 lg:px-20 rounded relative lg:flex items-start gap-20\">\n\t\t<div class=\"shrink-0\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-300x300.webp\" width=\"190\" height=\"190\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-768x768.webp 2x\" alt=\"Mathieu Laliberte-Robert\" class=\"avatar avatar-190 wp-user-avatar wp-user-avatar-190 alignnone photo rounded-full mb-7 lg:mb-0\" \/>\t\t<\/div>\n\t\t<div class=\"grow\">\n\t\t\t<div class=\"flex items-end justify-between mb-4 border-b pb-4\">\n\t\t\t\t<h6 class=\"leading-none text-2xl\">Mathieu Laliberte-Robert<\/h6>\n\n\t\t\t\t\t\t\t\t\t<div class=\"absolute lg:static top-16 right-6 items-end flex flex-col lg:flex-row gap-4\">\n\t\t\t\t\t\t<a href=\"mailto:info@plutera.ca\" class=\"whitespace-nowrap button-link-sm-base button-link-outline \" >Email<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"mt-8 2xl:flex items-start justify-between\">\n\t\t\t\t\t\t\t\t\t<p class=\"2xl:max-w-[800px]\">Mathieu is a finance and digital marketing professional with experience across banking, investment services, and financial product marketing. He previously worked with organizations such as National Bank, Manulife Securities, and Accenture. He is part of the leadership team at Hardbacon, where he contributes to editorial strategy and financial content aimed at helping Canadians make informed decisions.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" bg-white section-p overflow-hidden\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Insights<\/span> and Useful Articles<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Hardbacon makes managing your money easier by combining comprehensive financial tools, unbiased comparisons and personalized insights.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div x-data=\"tabs(0)\">\n\t\t\t<div class=\"flex flex-wrap justify-center gap-4 lg:gap-6 mb-20 lg:mb-24 borer-b border-primary-dark\">\n\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 0 )\" :class=\"isActive( 0 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Credit Cards<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 1 )\" :class=\"isActive( 1 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Banking<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 2 )\" :class=\"isActive( 2 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Budget<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 3 )\" :class=\"isActive( 3 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Investing<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 4 )\" :class=\"isActive( 4 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Financial planning<\/button>\t\t\t\t\t\t\t<\/div>\n\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(0)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/wealthsimple-cash-review-2021-go-or-no-go\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Wealthsimple prepaid card showed on an iPhone screen and besides is a pile of coins\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Wealthsimple Prepaid Mastercard: My Experience with Wealthsimple Chequing account                <\/h3>\n\n                                    <p class=\"excerpt\">Wealthsimple is a Canadian fintech known for its investment app. Today, it offers many other products. I&#8217;ve had a Wealthsimple account for several years and applied for the Wealthsimple prepaid Mastercard in August 2025. How does it compare with the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/koho-visa-vs-wealthsimple-cash\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"KOHO prepaird card on the left againts yellow background and Wealthsimple Cash card on the right against a blue background\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO Mastercard Versus Wealthsimple Cash: Which Prepaid Card Is Right for You?                <\/h3>\n\n                                    <p class=\"excerpt\">KOHO and Wealthsimple are some of the first names that come to mind when you think of prepaid cards in Canada. These two companies are often compared despite the fact that they are not similar. On the one hand, KOHO\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/black-card\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"black credit cards\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Best Black Credit Cards in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Black credit cards are the ultimate status symbol. Often rare and exclusive, they\u2019re designed for the rich and are considered prestigious. Plus, they come with some great perks including special discounts and premium benefits not available with a standard card.\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/easiest-credit-card-to-get-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1024x576.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Credit Cards\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1024x576.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-300x169.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-768x432.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1536x864.jpg 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-2048x1152.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Easiest Credit Cards to Get in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Qualifying for a new credit card can be tough. What are the easiest credit cards to get in Canada? Whether you have insufficient credit history or a poor credit score, it can be difficult to determine exactly which cards you\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/costco-credit-card\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"New CIBC Costco Credit Card\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The CIBC Costco Credit Card: Benefits and Alternatives                <\/h3>\n\n                                    <p class=\"excerpt\">The CIBC Costco credit card comes with great rewards and can reduce your bill if you shop at Costco often. But if you shop at several different locations, take the time to compare it to other store credit cards. Quick\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/credit-cards\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(1)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/easiest-bank-to-get-a-loan-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Logos of various banks and credit cards displayed together, representing financial institutions.\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Easiest Banks to Get a Loan From in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">If you have ever found yourself in need of a personal loan, you probably found that different banks have different criteria for being approved. When you are in a financial pinch, you want to know exactly which institution will approve\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/koho-vs-eq-bank\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"KOHO vs EQ Bank\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank-300x200.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO vs EQ Bank: Which One Takes the Crown?                <\/h3>\n\n                                    <p class=\"excerpt\">It\u2019s time to compare two of Canada\u2019s leading neobanks &#8211; KOHO vs EQ Bank. Loyalty is an excellent quality to have, except when it comes to your cash. Sticking to one of the Big Five without exploring other options is\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/best-bank-for-students-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Best Banks for Students in Canada\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 10 Best Banks for Students in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">The best bank for students in Canada shouldn\u2019t just give you a free account with unlimited transactions, it should reward you too. Why? Because people rarely change banks, even when there are better deals out there. That makes you a\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/koho-vs-neo-financial\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Koho vs Neo Financial\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO vs Neo Financial: Who Wins the Battle for Your Buck?                <\/h3>\n\n                                    <p class=\"excerpt\">Both KOHO and Neo are Canadian fintech startups that offer out-of-the-box digital banking services. These two platforms are becoming increasingly popular among millennials and younger Canadians because they provide an alternative to traditional banking with low or no fees, a\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/online-banks\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Online Banks\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 6 Best Online Banks in Canada for 2024                <\/h3>\n\n                                    <p class=\"excerpt\">Online banks are digital institutions that do not rely on physical branches. With lower operating costs than their brick-and-mortar counterparts, online banks are able to pass the savings on to us in the form of lower fees and higher interest\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/banking\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(2)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/tariffs-canada-what-costs-more\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-300x200.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Tariffs in Canada, explained: which ones actually raise your prices (and what to do)                <\/h3>\n\n                                    <p class=\"excerpt\">Prices are up, and every headline says &#8220;tariffs&#8221;. But two sets of tariffs are in the news, and only one of them can show up on a store shelf. This guide explains which one reaches your cart, how to tell\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/couponing-sites-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"canadian couponing\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 25 Best Canadian Coupon Sites and Apps in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Whether you need to or just like to save, there are countless canadian coupon sites and apps that offer the same thing: savings, points, coupons, or some combination of the three. In times like these, saving money is at the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/sell-gift-cards-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"a group of cards with flowers on them next to a green plant\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-768x513.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Websites to Sell Gift Cards in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Gee, thanks for the gift card. I mean, a gift card is a nice gift to receive but it may not always be the right one. There are many reasons why someone may wish to sell gift cards in Canada.\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/its-time-to-say-goodbye\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-300x300.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-150x150.png 150w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-768x768.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere.png 1079w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The End of a Chapter for Hardbacon                <\/h3>\n\n                                    <p class=\"excerpt\">It is with a heavy heart that I write my last post for Hardbacon. Indeed, all employees of Hardbacon (Bacon Financial Technologies Inc.) have been let go, and our operations are now suspended. The company will declare bankruptcy in the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/how-much-does-it-cost-to-support-a-future-figure-skating-athlete\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    How Much Does it Cost to Support a Future Figure Skating Athlete?                <\/h3>\n\n                                    <p class=\"excerpt\">With only 1 in 5 young people in Quebec considered active, the cost of recreational sports is one of the main factors holding them back. Having the support of their parents, on the other hand, acts as a propellant for\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/budget\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(3)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/best-options-trading-platforms-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"a black square with white text on it next to a pen and calculator\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Best Options Trading Platforms in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Navigating the labyrinthine world of options trading can be a daunting task in Canada. From the uninitiated beginner to the seasoned investor, everyone needs a reliable platform that aligns with their trading goals, offers robust tools, and doesn\u2019t break the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/questrade-vs-wealthsimple\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple.webp\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple-300x200.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Questrade VS Wealthsimple: Which Online Broker Should You Choose?                <\/h3>\n\n                                    <p class=\"excerpt\">Online brokerage has grown in popularity in recent years, driving down trading costs between fiercely competitive platforms. There are now a wide variety of online brokers on the Canadian market, with different prices, features and tools. With the arrival of\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/a-review-of-wealthsimple\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"624\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1024x624.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"review of wealth simple\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1024x624.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-300x183.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-768x468.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1536x936.jpg 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    A review of Wealthsimple                <\/h3>\n\n                                    <p class=\"excerpt\">Wealthsimple is an online investing service founded by Michael Katchen in 2014 in Toronto. Today the company has over $70 billion in assets under administration. Wealthsimple stood out from the start by offering smart and simple investing without the high\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/the-ultimate-guide-to-etfs-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"exchange traded funds\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Understanding Canadian ETFs to Increase your Wealth                <\/h3>\n\n                                    <p class=\"excerpt\">Exchange-traded funds (ETFs) are the new darling of self-directed investors. Although they were first introduced several years ago, the democratization of investing has made it easier than ever to buy ETFs. Are ETFs really beneficial? What are their limitations? How\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/guide-to-rrsp-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"RRSP- a yellow piggy bank with a coin and a dollar sign\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    How to Use the RRSP to Save on Taxes and Retire Rich                <\/h3>\n\n                                    <p class=\"excerpt\">A registered retirement saving plan (RRSP) is, for most of us, the first step towards saving for our golden years. The RRSP is a registered investment account that carries many tax benefits. The primary purpose is to shelter a portion\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/investing\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(4)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/free-canadian-tax-softwares\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"719\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Desk with tax forms and calculator for financial planning\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-300x211.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-768x540.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Free Canadian Tax Softwares                <\/h3>\n\n                                    <p class=\"excerpt\">For most people, doing their taxes is a thankless task. Fortunately, there are free tax software programs that make it easy to calculate and file your taxes online. We recommend that you choose a software that is easy to use,\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/best-tax-return-software-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 6 Best Tax Return Software in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">To file quickly, easily, and without a blinding migraine, choosing the best tax return software in Canada is crucial. Tax season is the most dreaded time of year, with many of us hoping to bypass the annual state of confusion\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/old-age-security\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Guide to old age security in 2023\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The New Guide to Old Age Security                <\/h3>\n\n                                    <p class=\"excerpt\">What is Old Age Security? Times are tough, especially when you stop working. Your income goes down while prices go up. Old Age Security (OAS), sometimes called Old Age Pension, is money you might receive from the government when you\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/cost-of-divorce-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"A man and woman standing face to face, displaying depression and anxiety between them\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    What Is the Cost of a Divorce in Canada?                <\/h3>\n\n                                    <p class=\"excerpt\">Going through a divorce can drain you emotionally and financially. By understanding the costs involved, you can decide what to fight for and what to do yourself. In Canada, divorce costs can vary from $1,000 to $25,000 and up, depending\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/staycation-tax-credit\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Ontario staycation tax credit\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Ontario Staycation Tax Credit: What You Need To Know in 2022                <\/h3>\n\n                                    <p class=\"excerpt\">If you are a resident of Ontario and are planning a short trip anytime soon, you may consider opting for a staycation in the province. At least you get to receive some money back from the Ontario government for enjoying\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/financial-planning\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n<section  class=\" bg-primary-dark section-p\">\n\t<div class=\"container-wide bg-white section-p  rounded py-16 pb-0 md:pb-16 relative overflow-hidden\">\n\t\t<div class=\"mb-20 xl:mb-0 px-6 md:px-12 lg:px-20 xl:max-w-[50%] 2xl:max-w-[45%]\">\n\t\t\t\t\t\t<header class=\"section-head mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Your Financial Journey Starts <span>Here<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Sign up for our newsletter and take control of your money, your way. Access exclusive tips, tools and personalized insights delivered straight to your inbox.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<div class=\"mt-18\" x-data=\"newsletterSubscribe\">\n\t\t\t\t<form x-show=\"!submitted\" class=\"max-w-[650px] mx-auto\" @submit.prevent=\"onSubmit\">\n\t\t\t\t\t<!-- Step 1 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 1\" x-cloak>\n\t\t\t\t\t\t<label for=\"newsletter-privince\" class=\"font-medium text-lg\">Select your province<\/label>\n\t\t\t\t\t\t<select x-model=\"province\" name=\"province\" id=\"newsletter-privince\" class=\"shadow-(--shadow) rounded-(--radius-2xl) h-[66px] bg-white px-6 focus:outline-none w-full\">\n\t\t\t\t\t\t\t<option value=\"\" disabled>Your province<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ab\">Alberta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"bc\">British Columbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"mb\">Manitoba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"nb\">New Brunswick<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ns\">Nova Scotia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"on\">Ontario<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"pe\">Prince Edward Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"qc\">Quebec<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"sk\">Saskatchewan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!-- Step 2 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 2\" x-cloak>\n\t\t\t\t\t\t<span class=\"font-medium text-lg\">What are you looking for?<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-wrap gap-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-SAVE_MONEY\" name=\"interests[]\" value=\"SAVE_MONEY\" class=\"sr-only 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name=\"interests[]\" value=\"INSURANCE\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-INSURANCE\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Insurance<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-HOMEOWNERSHIP\" name=\"interests[]\" value=\"HOMEOWNERSHIP\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-HOMEOWNERSHIP\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Homeownership<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" 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