Best Credit Cards for Recurring Bills in Canada (2026)
Earn rewards on subscriptions, utilities, and recurring payments. Best Canadian cards for bills and recurring charges.
3 cards found
Recurring bills are a significant part of many Canadians' monthly expenses, encompassing payments like utilities, subscriptions, and insurance. A great credit card for this category not only offers high rewards for these everyday transactions but also provides valuable perks and bonuses to enhance your financial experience.
Expert tip: To maximize your rewards, consider setting up automatic payments for your recurring bills on your chosen credit card, ensuring you earn rewards consistently without missing due dates.
We ranked the best credit cards for recurring bills by evaluating the multiplier rate for this spending category first, followed by the value of the welcome bonus, and then the annual fee associated with each card.
Earning Rewards on Bills You're Already Paying
Recurring bills are one of the most underrated earning categories. Your phone plan, internet, streaming subscriptions, insurance premiums, and utility payments go out every month whether you think about them or not — you might as well earn rewards on them.
The Scotiabank Momentum Visa Infinite is the standout here, earning 4% cash back on recurring bills and subscriptions. For someone paying $400/month in recurring charges, that's $192/year in cash back from bills alone.
One thing to watch: not all recurring charges qualify. Some cards exclude insurance payments, government bills, or mortgage payments from the bonus category. Check the fine print before assuming your entire monthly bill stack will earn at the elevated rate.
Things to Consider
What counts as recurring
Most cards include streaming services, phone plans, internet, and gym memberships. Insurance and utility payments vary by issuer — always verify.
Pre-authorized payments
The charge must typically be set up as a pre-authorized payment (PAP) to qualify for the bonus rate. One-time bill payments usually earn at the base rate.
Stacking with other categories
A card strong on recurring bills may be weak on groceries or gas. Consider whether a single card covers your top categories or whether a two-card setup makes more sense.
Frequently Asked Questions
Which credit card earns the most on recurring bills in Canada?
The Scotiabank Momentum Visa Infinite earns 4% cash back on recurring bill payments and subscriptions, making it the top pick in this category. The TD Cash Back Visa Infinite earns 3% on recurring payments.
Do streaming services like Netflix count as recurring bills?
Yes, for most cards that have a recurring bills category. Netflix, Spotify, Disney+, and similar subscriptions are typically included. Some cards also count gaming subscriptions like Xbox Game Pass.
Does my mortgage payment earn bonus rewards?
Generally no. Mortgage payments are excluded from the recurring bills bonus category on most Canadian credit cards. The bonus typically applies to subscription-type charges, not loan payments.
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We may earn a commission if you apply through our links. All information is accurate as of the date of publication. Please verify current offers on the issuer's website.