Determining the best all-around cash-back credit card can lead to plenty of arguments. Everyone believes they know the best cash-back card today and can come at you with a list of evidence as to why they think so.

Rewards Canada recently released its ranking of the top cash back credit cards for 2025 to help with your search. The resource for loyalty and credit card rewards shared lists of the best cash back credit cards with an annual fee and with no fee.

As long as you pay off your credit card each month, cards with no annual fee essentially let you earn free rewards.

When you think about cash-back credit cards, it’s safe to assume that you might think all cards are created equal. The reality is quite different, as there are several different card types, including those that offer a flat rate or prioritize rotating categories.

Chasing credit card rewards while carrying card debt makes no sense when you consider the exceptionally high interest rates cards charge when consumers carry a balance. The best way to get ahead with credit card rewards is to always pay your statement balance in full each month.