Best Restaurant Credit Cards Canada - Calculate Rewards & Compare

October 2022
Get our top picks for the best restaurant credit cards in Canada, calculate which cards can earn you the most rewards, and compare results side by side.
Last Updated 2022-02-24

If you frequently dine out at restaurants, you can turn that spending into rewards redeemable for cash back, travel, gift cards, and much more.

Review the best restaurant credit cards in Canada and calculate which cards can earn you the most rewards based on your spend.

Best For Flexible Travel Rewards
American Express Cobalt™ Card
American Express Cobalt™ Card
Annual Fee: $12.99 per month
Rewards Rate
5X
Earn 5X points at restaurants and grocery stores including food delivery
3X
Earn 3X points on streaming subscriptions
2X
Earn 2X points on gas, travel, and transit
1X
Earn 1X points on everything else
Up To 30,000 Points
In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in purchases on your Card. This could add up to 30,000 points in a year.
Best For High Cash Back
Simplii Financial™ Cash Back Visa Card
Simplii Financial™ Cash Back Visa Card
Annual Fee: $0
Rewards Rate
4%
Earn 4% cash back on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year.
1.5%
Earn 1.5% cash back on on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year.
0.5%
Earn 0.5% cash back on all other credit card purchases with no limit on how much you can earn.
Best For No Annual Fee
MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®
Annual Fee: $0
Rewards Rate
2X
Earn 2X points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $10,000 is spent annually in the applicable category.
1X
Earn 1X points for every $1 spent on other eligible purchases.
Best For Travel Benefits
MBNA Rewards World Elite® Mastercard®
MBNA Rewards World Elite® Mastercard®
Annual Fee: $120
Rewards Rate
5X
Earn 5X points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
1X
Earn 1X points for every $1 on all other eligible purchases.
Best For No Foreign Transaction Fee
Scotiabank Gold American Express® Card
Scotiabank Gold American Express® Card
Annual Fee: $120
Rewards Rate
5X
Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
5X
Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
3X
Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
3X
Earn 3X Scene+ points for every $1 CAD spent on eligible select streaming services.
1X
Earn 1X Scene+ point for every $1 spent on every other purchase.
40,000 bonus Scene+ points
Earn 20,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months from account opening. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.

This page details our top picks for the best credit cards in Canada for restaurant spending. Use the Rewards Calculator to estimate which credit cards will earn you the best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time.

You can also use our Credit Card Finder Tool to search by spend across all credit cards in our database.

Best For Flexible Travel Rewards

American Express Cobalt™ Card
American Express Cobalt™ Card

The American Express Cobalt Card is one of the best rewards credit cards in Canada.

It earns 5X Membership Rewards Points on restaurant and grocery store purchases, 2X on gas, travel, and transit, and 1X on everything else.

Points earned with the card can be redeemed for as much as 2 cent each for Fixed Point Travel through American Express. You can also easily redeem points for 1 cent in value for many other redemptions.

Membership Rewards Points can also be transferred to several airline and hotel rewards programs including Air Canada Aeroplan, Delta Airlines SkyMiles, and Marriott Bonvoy.

When it comes to earning valuable rewards on your restaurant spending, you can't beat the flexibility of the Cobalt Card.

Best For High Cash Back

Simplii Financial Cash Back Visa
Simplii Financial Cash Back Visa

If you're looking for cash back rewards, the Simplii Financial Cash Back Visa Card is at the top of the list.

This card earns 4% cash back on the first $5,000 in spend between eligible restaurant, bar, and coffee shop purchases. It also earns a solid 1.5% cash back across gas, grocery, drugstore, and pre-authorized payments on up to $15,000 per year.

Cash back earned with the card is given back to you as a one-time annual credit on your December statement. If you don't mind that, this is the best credit card on the market for earning cash back on your restaurant spend.

Best For No Annual Fee

MBNA Rewards Platinum Plus Mastercard
MBNA Rewards Platinum Plus Mastercard

If you're looking to dodge annual fees while still earning a solid return on your restaurant spend, the MBNA Rewards Platinum Plus Mastercard is a great option.

It earns 2X MBNA Rewards Points on restaurant, grocery, digital media, membership, and household utility purchases on up to $10,000 in spend for each category. Points can be redeemed at the highest value of 1 cent each towards travel or you can use them for cash back, gift cards, merchandise or charitable donations.

Best For Travel Benefits

MBNA Rewards World Elite Mastercard
MBNA Rewards World Elite Mastercard

The MBNA Rewards World Elite Mastercard is a great option if you want to quickly build points redeemable towards travel.

The card earns 5X MBNA Rewards Points on restaurant, grocery, digital media, membership, and household utility purchases on up to $10,000 in spend for each category. Points can be redeemed at the highest value of 1 cent each towards travel.

Cardholders can also redeem 120 points for $1 in cash back which is a better rate than the MBNA Rewards Platinum Plus Mastercard offers.

Along with earning points at a high rate, the card offers a good amount of travel insurance coverage along with mobile device insurance and price protection.

Best For No Foreign Transaction Fee

Scotiabank Gold American Express® Card
Scotiabank Gold American Express Card

If you want a card that cover your back domestically and internationally, the Scotiabank Gold American Express Card is top-tier.

The card earns a whopping 5X Scotia Rewards Points on grocery, restaurant, and entertainment purchases, 3X on gas, transit, and select streaming services, and 1X on everything else.

What's best about this card is that it has no foreign transaction fees. This means you can avoid the 2.5% fees on foreign currency purchases online and when traveling abroad. You'll only need to worry about the exchange rate which will save you lots of money in the long run.

The Scotiabank Gold American Express Card also offers Priority Pass membership and 8 types of insurance coverage which includes trip cancellation and trip interruption insurance, rental car collision loss/damage insurance, and flight delay insurance.

Best Credit Cards For Dining Summary

Credit Card Annual Fee Best For
American Express Cobalt™ Card $12.99 per month Flexible Travel Rewards
Simplii Financial™ Cash Back Visa Card $0 High Cash Back
MBNA Rewards Platinum Plus® Mastercard® $0 No Annual Fee
MBNA Rewards World Elite® Mastercard® $120 Travel Benefits
Scotiabank Gold American Express® Card $120 No Foreign Transaction Fee

Best Credit Cards By Spend Calculator

Use the rewards calculator to find out which Canada credit cards will earn you the most rewards based on your restaurant and dining spend.

Results will be sorted by net return. This is calculated by taking the average value of the rewards earned adding the average value of card benefits and subtracting any annual fees the card has.

Results will consist of top-rated credit cards in the market.

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These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

All spend entered in the fields above will carry over to every credit card rewards calculator on the site so there's no need to re-enter spend.