Depending on the context, most people love getting more than what they bargained for. So let’s put it this way. You use a credit card to make purchases. Would you prefer to simply get what you paid for? Or would you like to get what you paid for PLUS some money back for making the purchases? The answer is easy. Who wouldn’t want cash back?

There are many different cash back credit cards to choose from.

The concept of cash back credit cards is one that is loved all throughout Canada. But as Amy Bergen contends on, you should have a good idea about your spending habits before you sign up for any credit card.

“Cash back cards are often designed with certain types of spenders in mind,” she writes, “Some cards, for instance, give you cash back whenever you travel. Others reward you for purchases at specific stores. The card will work best for you if its reward structure fits a buying habit you already have.”

Choose the cash back credit card that is right for you.

Do you do a lot of driving? If so, you obviously spend a lot of money on gas. That would make the CIBC Dividend® Visa Infinite* Card an ideal cash back credit card for you. On, Jordann Brown lists this card among the top 7 best cash back credit cards in Canada. She provides two key reasons.

“1. It earns impressive cash back rates of between 4% and 2% across five popular spending categories,” she explains, “And 2. its welcome offer includes a first-year annual fee rebate and the ability to rack up 10% cash back for your first four months.”

You can earn cash back just for signing up.

Once you’ve decided on the cash back card for you, it’s time to start spending. It’s a bit ironic, isn’t it? In order to earn money, you have to spend money. Well, think of it this way. We all NEED to spend money at some point. We require necessities such as clothing, food and household items. Why not make such spending even more worth your while? A cash back credit card makes spending money a lot easier. It pretty much provides you with non-stop discounts!

A big time perk involved with cash back credit cards is the sign up bonuses that many offer. Bergen warns, however, that you should read the fine print before signing up. “You may have to spend a specific amount within a certain time frame to earn the bonus. The Chase Freedom Flex, for example, gives a $200 cash back bonus—if you spend $500 in the first three months from account opening. If you weren’t planning to spend the amount otherwise, the bonuses can end up costing you more than you’d save!”

Do you accept credit cards in your store?

At Unity Payments, we believe that the easiest and most convenient way for merchants to accept credit cards is with the Poynt Smart Terminal. To learn more, please don’t hesitate to call us at 1-800-661-3761. You may also email us at